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About

Here at Savvy Budget Boss, we believe every single one of us has the ability to turn our hot mess money habits into daily money successes. 

When it comes to money, everyone has their own story to tell. Unfortunately, many of these stories are horror stories ending in:

  • Bankruptcy
  • Hiding spending from your partner
  • Flatout ignoring finances altogether
  • Using money intended for bills on shopping sprees
  • Emotional shopping
  • Bank overdraft fees
  • Low credit scores
  • A poverty mentality (thinking there’s not enough money to go around)
  • “Rich” people envy
  • Maxed-out credit cards
  • Living paycheck-to-paycheck
  • Divorce

My mission is to help you rewrite your money story by showing you how to replace your current (negative) money habits with small, positive, daily changes that won’t make you feel deprived.

In short, I’m on a mission to prove you can have a beautiful life on a budget!

I am convinced that every single one of us, regardless of race, age, gender, or zip code, has the ability to overcome past financial mistakes, achieve financial freedom, and live a beautiful life on a budget by:

  • Learning how to love budgeting
  • Increasing income with side hustles
  • Discovering simple ways to save more money
  • Changing our money mentality from scarcity to abundance

Savvy Budget Boss-Cheryl Lemily profile pic
Hi, I’m Cheryl!

Here’s my money story:

I grew up dirt poor. Growing up, I was never taught how to manage money (because we never had any). I relied on credit cards to ‘get by’ for most of my adult life.

I’ve filed bankruptcy…twice.

For most of my married life, we lived on one income but spent as though it was two.

Eventually, I got onboard the Dave Ramsey train and my husband and I managed to pay off tens of thousands of dollars worth of debt while living on one modest income. Only to wind up with even more debt within a year.

We lived on welfare for a year while my husband was recovering from reconstructive foot surgery.

I started a money-making website in my 40’s which turned out to be my dream job.

The sale of that website a couple of years later enabled us to pay off (almost) all of our debt.

Somewhere along the way, I realized how I think about money directly affects the way I manage money.

I learned to love budgeting! And am on my way to being completely debt-free!


Changing my money mentality has allowed me to increase my income and pay off over $50,000 of debt (during a recession). I know what it means to live a beautiful life on a budget. I have rewritten my money story and you can too!

I am here to help you: