Discover the 5 Simple Shifts that will Transform Your Financial Stress into Calm Confidence

Move BEYOND the numbers and begin making real progress toward your goals.

How much are your financial habits costing you?

  • How much interest are you paying a month on credit cards?
  • What income opportunities have you passed on because you were scared?
  • How many social gatherings have you missed because you didn’t have the money?
  • Have you lost sleep over it? Tossed and turned thinking over and over the same problems?
  • Have you started overeating or using substances to cope with the stress?

I can help you . . .

  • Feel more confident so you say yes to opportunities, even when they are scary
  • Make a budget that works for you
  • Actually stick to it
  • Sleep better at night, even before your financial situation improves
  • Stop letting money stress lead you into bad habits

My Story

I totally understand money problems. In fact, I used to really struggle with money before I learned what I know now. Even with a BS in Finance and Banking and a decent income, I would often end up short at the end of a paycheck. The debt racked up, too. I felt stupid and ashamed because I knew I made “enough” money and my budget looked great on paper. But when it met reality things fell apart.

After longer than I’d care to admit I started using the tools I was teaching my therapy clients and applying them to my financial life. It wasn’t the first time I’d tried to get things “under control”. You name the guru and I guarantee their book has been on my shelf at some point (and I’ve read it and tried their plan, too!). But I could never make it work until I started using these tools. I tweaked them a bit from how they were developed – I’m that kind of therapist. And it started to work! It took some time to get out of debt and I still use the tools often because money touches every aspect of life so temptation is never far away.

The best news is, though, that the skills are simple and you can learn them in just a few lessons. In fact, I’ve had a lot of therapy patients get mad at me because it was so EASY to make the changes they thought would never happen. What they ask is, “Why don’t they teach this in school?”. I don’t have an answer for that, but I do have a solution you can start using right now to make the changes you want to see, without strict budgets, writing down every penny you spend or depriving yourself of everything you love.

headshot of Sherrie St. Cyr


Sue Holloway

Successful Expat

I love Sherrie’s Money Journal. It really helps you get to the heart of how you feel about money, work through your obstacles, and make a solid budget plan. Thanks so much, Sherrie!

Shelley Merchant

Taming Frenzy

I’ve worked with Sherry for a while now. She’s always able to help me pinpoint the crux of a problem and get down to the root cause. I think that’s her true genius – she helps you uncover the truth that’s already inside you so that your solution is one that works for you.

Melaina Raburn

Chapter Two Traveler

Sherrie St. Cyr could very well be the answer to your money management prayers! Finally, someone has come along who can help us understand our personal money mindset and the triggers that sabotage our spending. Thank you, Sherrie!

Here’s the Plan

Let’s bridge the gap between your budget and your behavior.

Get the Workbook.

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Join the Community.

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Work with Me.

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Why do this work?

I started The Money Spa because I know you want to be in control of your money, reaching your financial goals, and able to call yourself a success. In order to do that, you need to put a lot of pieces together. The problem is that there are two kinds of information about money management and neither one provides a full picture. The budget bosses just tell you how to allocate your money – what to spend and what not to spend. The woo-woo, abundance gurus tell you to vision board and affirm that you’ll have MORE. But neither one of them tell you what to do at the moment you’re facing a sale on that thing you’ve wanted for six months and is 70% off, but it still isn’t in your budget.

I understand that financial success requires a lot more than just understanding the math and having a positive mental attitude, which is why I adapted this framework for money issues.

Here’s how we do it:

  • First, we focus on awareness in the moment you’re making a financial decision – that’s the moment of power.
  • Second, we focus on skills to help you navigate the thoughts and feelings that lead you off track.
  • Third, we apply the focus and the skills to the real world – YOUR real world, we get feedback, and we adjust accordingly.

So, order, the workbook and get started! And in the meantime, subscribe to my email list for more tips, tools, and funny stories about my financially messed-up family. You may realize you’re doing better than you thought!

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Frequently Asked Questions

  • What if it doesn’t work for me?
  • I’ve tried so many things! How can I trust this?
  • I tried something like this and it didn’t work?
  • How soon will I see a difference?
  • Does this come with a guarantee?

Wow! That’s a lot of doubt and curiosity there! And rightly so. Whether you arrived here through a link or a search or some other internet miracle the bottom line is you probably don’t know me. And the internet is full of stuff people throw up from a course they took last week.

What if it doesn’t work for me?

Let’s start with the material. I’ve used this framework and tools with thousands of psychotherapy patients who wanted to make big changes in their beliefs and their behavior. For the past 8 years those patients have been Veterans suffering with depression, anxiety, PTSD and/or substance use. The majority of them started out with a healthy degree of skepticism, but VERY few of them didn’t benefit from the work at all. If it doesn’t work for you it may still provide valuable information. It may help you identify more clearly what you need and where to get it.

Let’s talk about what it means for the program to “work”, though. The framework and tools are designed to help you become more aware of your thoughts and feelings so you stop spending on impulse and start spending in alignment with your goals and values. So there are different levels of “it worked”. If you’ve never been able to put together a budget that balanced and now you can, it worked. If you’ve never been able to stick to a budget for more than a couple of days and this month you stuck with your choices, it worked. If you can’t remember how long its been since you went a month without adding to your credit card debt and this month you pay cash for everything, it worked. And if none of those things “quite” happened, but you got closer than you’re ever been before, it still worked.

With all that said, the workbook comes with a 30-day money-back guarantee, no questions asked. I hate to be put through a third degree interrogation just to get a refund and I won’t do that to you, either. Just let me know and I’ll refund your money.

I’ve tried so many things! What makes this different?

If you’ve tried lots of other programs, I understand. I had, too. And I couldn’t make anything stick for very long until I started using this framework and these tools. What’s the difference? I have a healthy degree of rebellion in me (maybe a little more than is healthy). I don’t like structure, writing down every dime I spend, or following someone else’s rules about how I spend my money. This program doesn’t require any of that.

How soon will I see a difference?

I don’t know how soon you’ll see a difference because I don’t know how consistent or open-minded you’ll be. Many people see a difference in their mood after only a week and their behavior soon after that.

This program isn’t like taking an aspirin for a headache. The workbook takes you through a process, but it isn’t one and done. It is more like a meal plan – here is the framework for what you’re going to do, but you still have to cook, eat, and clean up every day.