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      <image:title>Home - "I am a recent college graduate who just set foot into adulthood. Being struck with bills, rent, and student loan repayment has been overwhelming. I reached out for assistance from Ms. Waters when I was about 2-3 months away from the end of my grace period for my student loans. After receiving a degree from North Carolina Agricultural and Technical State University in Animal Science, I racked up a whopping $130,000+ in student loan debt. Ms. Waters never sweated the amount or turned me away when hearing the amount. She worked with me in order to not only plan a way to effectively pay off my student loans, but sought out a budget plan that was easy for me to understand and manage. Most importantly, it fit my lifestyle!! Ms. Waters has even inspired me to research more on saving and budgeting to the point where I incorporate it in my everyday life. I haven’t missed an entry in my budget plan yet. She has given me a skill I can use for the rest of my life. I’m so grateful to have met this woman. I can truly say she has and continues to change my life for the better and inspired me immensely.”</image:title>
      <image:caption>— J. CHASE</image:caption>
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      <image:title>Home - “I first met Cheryl through a friend who recommended a high satisfaction with her coaching services. I remember thinking that her services were expensive. However, in hindsight, it was worth every single penny. She got me started thinking and I read a number of books, podcasts, blogs, etc. Also, most notably, she really holds you accountable. If you are not coachable, you will be in trouble …. but trust me, it is the tough love you need.”</image:title>
      <image:caption>— A. MANBACHI</image:caption>
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      <image:caption>For individuals and couples (prices vary)</image:caption>
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      <image:caption>For pricing send an email to: cheryl@budgeteez.com</image:caption>
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      <image:caption>For individuals and couples $395</image:caption>
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    <lastmod>2020-09-03</lastmod>
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    <lastmod>2020-09-03</lastmod>
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      <image:caption>My husband and I after establishing our emergency fund!</image:caption>
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