Practical steps and honest reflection to help women build a healthier relationship with money—beyond just the numbers. At A Cents Of Change , we don’t just talk about budgets and bills. Money is not just math. It ’s memories, habits, stress, guilt, hope…all rolled into a bank statement. A “healthy relationship with money” means: you understand what’s coming in and going out, you know why you’re spending the way you spend, and you’re not scared to look your numbers in the ey