Tracking Your Spending Isn’t a Punishment, It’s Empowerment. Be nice to yourself! At Sophia, we want you to have the tools to own your financial situation. We want you to feel powerful and knowledgeable. Calculating your net worth and understanding your cash flow form the base for launching your financial success. The Nitty-Gritty of Tracking ...
Cash Flow Connections At Sophia, we don’t like the “budget” word. Many people have a negative, knee-jerk reaction to budgeting. It’s like a diet; a short-term fix to shed those five extra pounds, or a belt-tightening exercise to pay off that credit card debt. Budgeting feels restrictive, time-consuming, even punitive. A budget is something we ...
Enough is a powerful concept. Acknowledging that we have enough can keep us whole. By contrast, constantly striving for more can make us feel less than complete. Tracy Theemes explains her journey discovering the power of enough: A few years back when we were working to open this business in the midst of a financial crisis, and I was struggling with ...
