City Girl Savings | Budgeting and Money Mindset for Women

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Latest Episodes:

10 Books to Read to Level Up Your Life and Money Sep 15, 2025

There is so much information out there, and sometimes, you have to be willing to seek it.

When it comes to my life and money, I’m always seeking out education or insight to help me level up.

I don’t believe in staying stagnant and there’s always someone or something that can help me expand my mindset to continue growing.

I’ve read thousands of books in my lifetime, and there are always some that completely change my world.

In this episode, I’m sharing 10 book recommendations that have helped me level up personally and financially. These books will no doubt play a role in leveling up your life and money, just like they did for me.

Here's a glance at this episode:

[01:50] The first book Raya recommends is Think and Grow Rich by Napoleon Hill. Raya shares how she wished she read this book sooner, but timing was everything.
[05:40] The principles shared in The Richest Man in Babylon provide a great financial starting point for anyone looking to understand money.
[09:20] After Raya’s father passed away, The Power of Now helped her see the beauty in the present, regardless of the grief she felt.
[13:00] Embracing uncertainty with faith and grace isn’t easy to do, especially if goals aren’t achieved. The Joy of the In-Between helps.
[16:10] Building strong habits starts with small, consistent actions. Atomic Habits brings to light the importance of slow and steady when growing.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Think and Grow Rich by Napoleon Hill

The Subtle Art of Not Giving a F*ck by Mark Manson

The Richest Man in Babylon by George Clason

The Gap and The Gain by Dan Sullivan and Benjamin Hardy

The Power of Now by Eckhart Tolle

Live It, Love It, Earn It by Marianna Olszewski

The Joy of the In-Between by Ashley Hetherington

Profit First by Mike Michalowicz

Atomic Habits by James Clear

The 12 Week Year by Brian Moran

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How Mastering Self-Discipline Has Helped Me Reach New Levels Sep 08, 2025

I’ve accomplished a lot in my life and while there is still more I want to do, and by no means do I think I’m perfect, I do feel like I’ve mastered self-discipline well enough to get me to where I’m at today.

Mastering self-discipline over the years has no doubt helped me to reach new levels and goals I didn’t know how to obtain.

Being able to tell myself no, to hold myself accountable to the things I say I’m going to do, and stay disciplined in the face of temptation has built a resiliency and confidence in myself that I’m proud of.

I think anyone can do and feel the same. In this episode, I’m sharing how mastering self-discipline has helped me reach new levels.

My hope is that you take some things away from this episode to start working on your own self-discipline.

Here's a glance at this episode:

[01:40] Raya shares what self-discipline means to her. Raya sees it as the ability to get things done, even when she doesn’t want to.
[05:15] Raya’s consistent workout routine has helped Raya keep her body free from pain, enhance mobility and increase her mental fortitude.
[09:00] Raya shares that she’s not the type of person who functions best going into the unknown. She prefers planning and preparation.
[13:58] Instead of letting increased weight gain (with a consistent workout routine) derail Raya, she shares it encouraged her to find a real solution.
[17:35] What goal will have the most impact on your health, mind or well-being? Focus your energy on that goal and see how it impacts other goals.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode #119 – How I Grew My Business While Working Full-Time in Corporate

Listen to Episode #141 – How Managing My Money Has Boosted My Confidence

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Think Like an Executive with Coach Latesha Byrd Sep 01, 2025

Women are running businesses, households, finances, relationships and careers. That alone makes us leaders.

Combine all we have to do in our personal lives with the pressures of growing professionally, burnout and overwhelm may not be far behind.

If you struggle with fostering a mindset that helps you think like a leader, an executive, or the BOSS that you are, let’s change that today!

I’m so excited to chat with Executive Coach Latesha Byrd about how women can start thinking like leaders – in their work and personal lives.

Latesha is sharing how anyone can excel in their work environment and create the impact they desire.

Here's a glance at this episode:

[02:40] Latesha has always operated through a lens of never settling. Her self-belief has always been high, thanks to growing up in a single-parent household.
[09:00] There is no set way to be an executive. When you think of executive presence, you get to decide what that looks like for you.
[19:25] You don’t need to talk about wins in comparison with someone else. Compare current you to past you and share that growth recognition.
[29:00] Getting out of your comfort zone and taking risks is what helps build confidence in yourself. “Success leaves clues.”
[39:08] Assess your self-worth against your true values. Also, don’t be afraid to say no to things that aren’t aligned.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Latesha on Instagram

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Productive Ways to Manage Your Money in 10 Minutes a Day Aug 25, 2025

With all the things we have going on in our lives, it can be hard to find the time to be productive.

And while I’m a firm believer in “good things take time”, if there’s an opportunity for me to be as productive and effective as possible, in the shortest amount of time, you better believe I’m taking it!

My money and finances have been a top priority for me for decades, and that has allowed me to learn tricks and hacks to manage my money as efficiently as possible.

In this episode, I’m sharing 6 productive ways to manage your money in 10 minutes a day or less.

Thankfully, you don’t have to spend hours and hours on your finances to see results and reach your goals.

Here's a glance at this episode:

[01:55] If you haven’t started tracking your spending regularly, Raya breaks down the importance of doing so for growth in your finances.
[04:16] Building the habit of tracking your spending daily will result in you spending minimal time on this task, but get maximum benefit.
[07:50] Regularly looking at your budget makes sure you’re staying aligned with your goals and financial intentions.
[11:34] Tie daily goals towards your bigger long-term goals. Break down those bigger goals, especially savings goals, into easier-to-manage chunks.
[14:45] You don’t have to spend long hours and a lot of time working on your finances. You can make an impact with strategic short-and-sweet tasks.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Let Raya create a budget plan for you!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Ways to Overcome Analysis Paralysis and Start Taking Action Aug 18, 2025

Have you ever wanted to do something but didn’t know what step to take first, so you start researching?

Before you know it, research leads to too much information and you decide not to do the thing you originally wanted?

Welcome to analysis paralysis.

Analysis paralysis is when overthinking and over-analyzing a problem or decision prevents you from taking action.

It's a state of being unable to move forward because you’re overwhelmed by data, options, or the fear of making a mistake.

With so much information at our fingertips, it doesn’t take much to feel overwhelmed.

In this episode, I’m sharing 5 ways to overcome analysis paralysis so you can start taking action towards the things you want to do or the problems you want to solve.

Here's a glance at this episode:

[01:51] While analysis paralysis isn’t something Raya struggles with, not seeking enough information has posed some problems for her in the past.
[04:51] Let momentum from completing the first small step help you build the confidence you need to move forward without overwhelm.
[07:58] Progress over perfection – easy concept to say but much harder to implement, especially for women.
[11:34] Too many options often results in too much data to go through, decreasing your confidence in successfully making a decision.
[14:31] Raya shares an example of how to pinpoint feelings associated with future goals or decisions to help you decide to move forward or not.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode #57 – How to Spark Inspiration Within Yourself

Listen to Episode #75 – Stop Putting Off Improving Your Situation

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Behind-the-Scenes of the CGS Team Retreat Aug 11, 2025

I started City Girl Savings back in 2015, while I didn’t go-full time with running the business until 2021, I’ve had women working for me long before then.

I always had the intention of hosting a team retreat, but the timing was never right.

In 2024, I declared there would never be a “perfect” time, so I made the decision to get our dates on the calendar!

I reached out to The CGS Team via slack to confirm dates nearly 8 months out. By the end of December, I received final RSVPs and started booking everything.

In this episode, I’m sharing a behind-the-scenes look at the first ever CGS Team Retreat and how the overall weekend together went.

Here's a glance at this episode:

[01:53] In spite of working together since 2022, the CGS Team retreat was the first time CGS Team members met in person.
[03:27] Meeting at Raya’s place in Palm Springs was a great location since 2 of the 5 CGS Team Members already lived in California.
[07:00] Curious who the first one to fall asleep each night was? If you guessed Raya, you’re right! She shares some background on why that was.
[10:03] The CGS Team proved they could work well together while trying to get off The Titanic during an Escape Room activity.
[12:06] Before parting ways Sunday morning, the CGS Team had their final meal together at a local Palm Springs diner!

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode #77 – BTS of the CGS Team

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Pursuing Productivity with Non-Profit CEO and CGS Client Tiffany Tate Aug 04, 2025

Is it just me, or does life almost seem to feel like one big balancing act?

Between work, school, kids, families, partners, relationships, businesses, finances, and health, the older we get, the more we need to manage.

I personally don’t think things will always be 100% in balance, but I do believe women can achieve the productivity results they want, without feeling like something has to give.

That’s why I’m so excited to talk with Non-Profit CEO and CGS Client Tiffany Tate today about pursuing top-tier productivity.

Let me stress that high-level productivity isn’t about being perfect, it’s about making it all work for your world.

If you struggle with the balancing act of all areas of life, you don’t want to miss this conversation.

Here's a glance at this episode:

[03:05] Tiffany shares that while life is what led her to becoming a go-getter, she does feel like she recently learned how to work smarter, not harder.
[12:08] Being guilt-oriented has made it hard for Tiffany to follow traditional routines and habit ideologies. Instead, she shares what works for her.
[21:50] Tiffany shares how compartmentalization has helped her power through and grow professionally, but offers words of caution.
[34:37] Lessons, not losses. Tiffany shares that you must move forward with your decisions and learn from those that could be perceived as mistakes.
[42:27] Instead of focusing far into the future, when thinking about goals, identify what needs to be fixed or worked on now.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Tiffany on LinkedIn

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Mind Over Money: How a Healthy Mindset Fuels Financial Success Jul 28, 2025

Part of my success in life has been attributed to seeing what I want and believing it’s possible for me.

Having a vision of what I want, where I want to be, or who I want to be has helped me do what I need to on a day-to-day basis to get there.

Seeing is believing, so if you can’t see yourself achieving your goals, you’re much less likely to actually reach them.

The mind is a beautiful thing.

If you start picturing yourself already having what you want, your brain will function to do things that will help you get there.

In this episode, I’m sharing how a healthy mindset fuels success and some ways you can foster a healthy mindset to reach your financial goals.

Financial success is possible, and you need to believe it before you achieve it!

Here's a glance at this episode:

[01:50] Do you think you are worthy of your dream life? Raya challenges listeners to get clear on how worthy they feel about the life of their dreams.
[04:03] If you are constantly thinking you’re broke, you’re probably always spending money to affirm that you’re broke. Your mind is a powerful tool.
[07:25] Raya shares that getting to the root of her gut issues has tremendously impacted her mindset because she’s consuming better things.
[11:36] Picture yourself living your dream life. You must be able to see what it looks like for you so you believe it’s possible for you to achieve.
[14:43] Raya shares that consistent journaling allows her to look back at old journal entries and see the growth that happens over time.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 101 – Adversity Breeds Resilience

Listen to Episode 11 – The Power of Visualization to Reach Your Goals

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Credit Habits to Cultivate a Strong Financial Foundation Jul 21, 2025

As someone who has been in and out of debt multiple times, but now actively maintains an 800+ credit score, I can honestly say that credit plays a huge role in building a strong financial foundation.

Having healthy credit habits can open the door for you to leverage credit to your advantage – whether that’s buying assets, increasing your cash flow, or using it for investment purposes.

If your credit score isn’t where you want it to be, don’t fret! You can start implementing credit habits now that cultivate a strong financial foundation.

And, I want to help you do that!

In this episode, I’m sharing 5 credit habits to build into your normal routine to cultivate a solid financial foundation. Remember, if I can do it, anyone else can too!

Here's a glance at this episode:

[01:50] Raya shares what her debt and credit situation looked like before she started focusing on building good credit habits.
[05:20] Automation can be a life saver for anyone’s financial situation. Raya recommends setting up auto pay to make sure no bills are left behind.
[08:31] Raya leveraged the Snowball Method to pay off her debt. She prefers putting extra money towards the smallest balance debt to pay it off faster.
[13:51] Reviewing your credit report is not the same as looking at your credit score. Raya shares where everyone can pull their credit reports to review.
[17:34] Raya strategically uses open, no-balance credit cards to get activity on the card without carrying monthly balances.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 15 – My Debt Free Story and Biggest Takeaways

Request a complimentary call with Raya to discuss your money goals!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

2025 Mid-Year Personal and Business Goals Check In Jul 14, 2025

I can’t quite believe it, but we’ve reached the halfway point of another year.

2025 has been a whirlwind, and I know I’m not the only one who feels that way.

Despite everything that may be happening outside of our control, we need to keep working towards our dream life…and hopefully the goals you’ve set for the year help you get there!

At the end of 2024, I shared my personal and business goals for 2025, and since we’ve reached the halfway point of the year, I want to do a quick mid-year goal check in!

This helps me stay on top of what I set out to accomplish in the year and holds me accountable by sharing with you!

Hopefully this episode encourages you to do your own mid-year goals check in as well!

Here's a glance at this episode:

[02:10] Raya kicks off with sharing her personal goals for 2025 and the progress that has been made towards those goals.
[04:40] One of Raya’s 2025 personal goals is to max out her Roth IRA. She has contributed $5500 of the $7000 needed to max out for the year.
[07:44] Another personal goal for Raya is to read 2 books per month. Due to family coming into town, this goal is not on track, but Raya shares her plan for getting back on schedule.
[10:07] While revenue is still a focus for business, Raya has shifted focus to increasing the profit margin for the business. Progress is being made this year.
[12:30] Have a friend who would like this podcast? Help us reach our 2025 goals of getting 45,000 episode downloads!

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 157 – My Personal and Business Goals for 2025

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How Women Can Build Healthier Habits with Fitness Coach Michael Williams Jul 07, 2025

As I’ve gotten older, I’ve seen and felt the importance of maintaining a healthy, active lifestyle.

Not only do you feel better in the present, but you prevent future health problems from messing with your quality of life.

I truly believe enhancing your mind and body with proper fuel is essential to a healthy quality of life.

That’s why I’m so excited to talk with Fitness Coach Michael Williams today.

Michael is a certified personal trainer who specializes in women’s fat loss.

While there’s so much more to being healthy than getting rid of body fat, a lot of the health and physical activity benefits will result in less fat!

Michael and I are talking about the importance of prioritizing health for women, building healthier habits, and staying consistent with healthy living.

Here's a glance at this episode:

[04:40] Michael always leads with “why”. What’s your why for wanting to get in shape? Understanding that helps you stay on track.
[12:43] Eating 1 or 2 meals a day doesn’t cut it for women. Michael shares what women need to do to see the fat loss results they want.
[24:50] YouTube can be a great resource for learning how to properly train and lift weights, especially if you’re tight on funds.
[31:40] Michael shares that the scale isn’t the best indicator of progress, especially if weightlifting is involved. “The scale is a liar”.
[51:20] You don’t have to deprive yourself when you go out to eat, just do your best to plan your meals out as best as possible.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Michael on Instagram

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Ways to Reset Your Money Goals for the Rest of the Year Jun 30, 2025

Are you on track with your money goals for this year?

If you’re listening to this episode in real-time, then we’re wrapping up the first half of the year.

What better time to assess your goal progress, acknowledge what’s working and not working, and reset your money goals for the rest of the year?

Failing to take the time to assess your annual goal progress before the year ends can result in you not achieving your goal.

Wouldn’t it be worth a little time to assess and finish the year off strong? Of course it would!

In this episode, I’m sharing 5 ways to reset your money goals to get you through year end feeling as accomplished as possible.

You may not hit each and every goal you’ve set, but I have no doubt serious progress will be made!

Here's a glance at this episode:

[02:08] Your money goals are never supposed to be a source of shame. Give yourself grace when things don’t go according to plan.
[04:50] Reconnect with the “why” behind your goals. This is an important step for resetting because it will keep you focused on working towards your goals.
[07:55] It’s okay to be optimistic with your goals, but it’s important to reset your goal based on where you currently stand.
[10:24] Breaking your goals down into monthly milestones to make them much more attainable on a day-to-day basis.
[13:30] Raya shares some examples for adding accountability into your life. Whatever that looks like for you, it’s an important step to reaching your goals.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Need help crushing the second half of the year? Request a call with Raya now!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Fighting Summer FOMO: 5 Hacks that Keep Me on Track with My Budget and Goals Jun 23, 2025

There’s no denying that Summer brings the “let’s be OUTSIDE” energy!

The sun is usually shining, the pool is calling our names, and the days are longer.

If you’re not careful though, summer can do a number on your budget.

You may be killing your money goals and then a few months of the summer season can undo all that progress. Don’t let that be you, my friend!

Fight the summer FOMO and need to just spend without consequence. You’ll be so much better off for it!

In this episode, I’m sharing 5 hacks that keep me on track with my budget and goals, especially when the summer season temptation is calling my name!

Here's a glance at this episode:

[01:43] FOMO stands for Fear of Missing Out. Summer is primetime for FOMO. Raya shares how to identify Summer FOMO.
[04:23] Summer is a vibe, so acting like you won’t spend money in the summer season is a recipe for disaster. Instead, plan for summer fun spending.
[07:11] No matter where you live, you can always find something free happening in your area or in surrounding areas.
[11:00] Be honest and open about your budget and money goals. Communicate with your friends or family when you’re trying to avoid excess spending.
[15:13] Tracking your spending every day or two doesn’t sound exciting in the summer, but it can be instrumental in keeping you on financial track.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Don’t have a budget? Grab a copy of my FREE Monthly Budget Overview Tracker!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Why Summer Is the Perfect Time to Reevaluate Your Spending Habits Jun 16, 2025

Who doesn’t love summer vibes?!

Remember the days when summer meant no school and nothing to do? Oh, how I miss those times!

I used to live my best life in the summer – all the way up until graduating college.

Then, real life happened, and summer became no different from any other season. But that’s not 100% true.

In fact, summer is the perfect time to reevaluate your spending habits, because the season usually starts right around the middle of the year.

Whether you set annual goals or not, pulse checking on your spending and money habits midway through the year will leave you with enough time to implement any changes that may be needed in your finances.

In this episode, I’m sharing why summer is the perfect time to reevaluate your spending habits, and how you can go about doing it!

Here's a glance at this episode:

[02:00] Want to save some extra money this summer? Join the Free 4-week Summer Savings Challenge now!
[03:30] Summer is a great time to see how you’re making progress towards your annual goals and intentions. Raya shares some questions you can ask yourself.
[05:43] Summer usually comes with its own spending temptations, this means being mindful and intentional is a must.
[10:17] Don’t know where to start when it comes to budgeting and tracking your spending? Raya offers an easy solution for listeners.
[14:00] Whatever you discover about your summer spending habits, create a new summer money rule to follow for future summer seasons.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Join the upcoming FREE 4-week Summer Savings Challenge!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Ways to Set Financial Boundaries and Stick to Them Jun 09, 2025

Here’s the thing: we all need boundaries. In our health, work, relationships, and finances…we need boundaries.

Boundaries are there to protect your peace and prevent you from causing unnecessary harm.

Setting financial boundaries is especially important because they keep you on the straight and narrow.

They keep you focused on doing the things that will help you reach your financial goals.

If you struggle with setting financial boundaries, you don’t want to miss this episode! I’m sharing 6 ways to set financial boundaries and actually stick to them.

As your situation changes, your boundaries change…but always having those limits will keep you moving in the direction of your goals.

Here's a glance at this episode:

[01:59] Raya shares how failing to set financial boundaries back in college resulted in her overspending on material things, leading her deep into debt.
[04:35] Boundaries, especially financial boundaries, are there to alert you when you’re moving in the direction of stress and negativity. They are designed to help keep you on track.
[09:58] Get comfortable with saying “That’s not in my budget”, so when something comes up, you can easily decline with an affirmative statement.
[14:09] Know where you stand when it comes to lending or gifting money, so you can avoid rushed or emotional decisions.
[17:26] If you want to stick to your boundaries (financial or otherwise), you need to learn how to clearly communicate them.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Join the upcoming FREE 4-week Summer Savings Challenge!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Fostering a Healthy Relationship with Your Body with Dr. Lisa Folden Jun 02, 2025

I’ve officially made it to my mid-30s and can honestly say that my body no longer functions like it did when I was in my early 20s.

Back then, I couldn’t keep the weight on. I ate whatever I wanted and didn’t have a consistent workout routine. I would take college classes, like pilates and dance, to get my exercise in.

After graduation, I did invest in a gym membership, mostly because the weight was slowly sticking more than it normally had!

Now, I consistently work out 5 days a week, and have for years. My diet has been a little harder to build consistency with.

That’s why I’m so excited to welcome Dr. Lisa Folden to the show today!

Her company Healthy Phit specializes in weight-inclusive physical therapy, health and body image coaching, and guidance on sustaining a well-balanced diet.

Get ready to learn how to foster a healthy relationship with your body and take care of it the way it needs!

Here's a glance at this episode:

[02:59] Lisa shares how she got into the medicinal space, after aspirations of it as early as 16. She shares how she sought out body image data.
[11:21] When we’re in tune with our bodies and can recognize things aren’t normal, that’s the time to seek our additional help to get back to comfortable.
[21:47] Dr. Lisa works with people who struggle with eating disorders. Often times, when they are the smallest weight, they are struggling the most.
[32:57] A lot of the work Dr. Lisa does stems around confronting body image issues. Confront what’s wrong and normalize looking at your body.
[40:08] Burnout is what our world is set up for. Don’t be afraid to get rest. Dr. Lisa shares how she took a nap today!

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Dr. Lisa on Instagram

Visit the HealthyPhit website

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Daily Routines That Set You Up for Life and Money Success May 26, 2025

I’m a Virgo, so I thrive on routines and structure.

I know that isn’t the case for everyone, but I do know that routines and structure with money can help anyone in some shape or form.

There’s something to be said about financial organization and feeling in control of your money situation.

In this episode, I’m sharing 7 daily routines that set you up for success in your life and money.

These routines don’t have to be time-consuming, they shouldn’t cause any stress, and they should leave you feeling empowered and in control once completed.

Start slow and steady by implementing one routine and a time and watch the transformation that takes place!

Here's a glance at this episode:

[01:35] Whether it’s at the start of the workday or after coffee, take some time to look over your spending accounts.
[04:07] Start getting comfortable looking at your accounts. You don’t have to do anything but build that ease.
[06:34] It took Raya 6 years to save for her Palm Springs home. Don’t worry about how long it will take to reach your goals, just keep them top of mind to stay motivated.
[10:26] Dedicate a few minutes each day to learning something new about personal finance. Read a book, check out a blog post, or follow financial influencers!
[12:50] Take time at the end of each day to plan your next day. What’s coming up? What do you need to tackle?

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Request a complimentary call with Raya

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Ways Budgeting Can Be the Key to Living the Life You’ve Always Wanted May 19, 2025

If I had to choose just one financial tool to improve my situation, hands down, it would be a budget.

The course of my life changed with a budget nearly a decade and a half ago.

Sure, I may have been forced into that situation, but regardless of how I got there, a budget turned everything around for me.

Now, I’ve made a career helping women turn their own lives around with a budget.

No matter how much or how little you make, a budget is truly a game-changer.

In this episode, I’m sharing 5 ways budgeting is the key to living the life you’ve always dreamed of. Get ready to become a budget-lover, just like I became one so many years ago.

Here's a glance at this episode:

[01:55] What had started as a necessity to budget has now become a career for Raya, as she coaches women to set and stick to budget plans.
[04:04] An integral part of the budgeting process is making sure your spending is in line with your budget. Don’t skip this step!
[07:06] A budget helps you plan for both the expected and the unexpected. Handling money now becomes a stress-free lifestyle.
[10:08] Budgeting is a way to sustain the life you currently have, so it can help you get to the life you actually want.
[14:00] Not convinced a budget can help you create freedom? When you have control of your finances, you gain the freedom to say yes or no to everything.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 1 – Big City Spender to City Girl Saver

Listen to Episode 3 – Breaking Through the Stigma of Budgeting

Request a complimentary call with Raya

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Finding Peace in Your Finances: 5 Steps to Eliminate Money Anxiety May 12, 2025

Did you know that 40 million U.S. adults suffer from anxiety disorders?

That’s about 19% of the population and whether you are included in that statistic or not, you’ve likely experienced some form of anxiety over the course of your life.

I’d even go as far as to say, maybe it was driven by finances.

In fact, 70% of Americans reported stress in their finances. Between inflation, rising costs, job instability and fears of the current state of the economy, it’s all too easy to let finances stress you out.

If you struggle with money anxiety, I want to help!

In this episode, I’m sharing 5 steps to get rid of your anxiety around money and feel more at peace in your situation.

Here's a glance at this episode:

[01:47] Got money fears? It’s completely understandable. However, it’s important to take control of your mindset, as it plays a big role in your peace.
[04:46] Fears can be paralyzing, but that doesn’t mean they are realistic. Raya walks through a few examples of determining if your fears are realistic or not.
[09:30] Focus on what you can control. This is a critical step to reducing your money anxiety. Raya shares how she reminds herself to stay focused on controllable things.
[13:38] What can you work towards in the next 30 days? List out the game plan and steps you can take to achieve that thing.
[16:28] Raya shares a few money affirmations you can start using today.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Get your CGS Personal Finance Portfolio now!

Listen to Episode 80 – 8 Things Everyone Should be Saving For

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Creating a Life You Love with Entrepreneur and Comedy Writer Catie Hogan May 05, 2025

Here’s the thing. We only have this one life here on earth. And since our time is so limited, it should be filled with things that bring us true happiness.

Whether that’s work, family, travel, or passion projects.

Creating a life you love should be a pursuit we all strive for.

That’s why I’m so excited to welcome Catie Hogan to the show today.

Catie is an entrepreneur, mom, speaker, comedy writer and she’s made multiple career shifts.

Catie and I are going to talk about how women can create a life they love and how to leverage money to help them in the process.

Here's a glance at this episode:

[03:20] Catie’s trigger was student loan debt. She found herself in a dark place thinking about how to pay off six-figures of student loans.
[11:08] Catie saw a shift in how her parents’ handled money. That had a big impact on Catie growing up.
[21:54] Investing in a 401k is a great starting point. Make this a priority if you can, because it is a way to get started.
[30:49] As she’s gotten older, Catie has found it easier to say no to things that don’t align with her values, financial and otherwise.
[38:29] Catie walks through the process of writing a parody play and how it ended up getting on Broadway.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Catie on Instagram

Subscribe to Catie’s Newsletter Cents of Humor

Follow Catie on LinkedIn

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

7 Ways to Appreciate What You Have and Attract Abundance Apr 28, 2025

Have you ever been intentional with consistent gratitude? Meaning, every day you acknowledge the things you’re grateful for, for an extended period of time.

If you have been intentional with gratitude and appreciation, you probably have noticed the benefits.

The more grateful you are, the more you seem to have and the happier you seem to be.

Not only that, when you appreciate what you currently have (instead of focusing on what you don’t have), you open the door for more.

If you struggle with appreciating what you currently have going for you, I want to help.

In this episode, I’m sharing 7 ways to practice gratitude for what you currently have to allow you to attract abundance into your life.

Just because you appreciate the money you have or the current things you have doesn’t mean you can’t work towards more.

The point is to be grateful for where you are and what you have, so you’re not constantly focused on what you don’t have.

This is key to attracting abundance. Keep working for your goals but appreciate the journey along the way!

Here's a glance at this episode:

[02:23] Remember a time when you had less than what you have now. This is one of the easiest ways to be grateful for your current situation.
[05:20] Every time you go to pay a bill or spend money on something that sustains your lifestyle, express how grateful you are to cover that expense.
[08:47] Feeling like your budget doesn’t include the things you love? Take a closer look at how your money is allocated currently and work from there.
[12:06] It may seem like an obvious tip to write down the things you’re grateful for daily, but it really does help you grow your gratitude reserve.
[15:35] There’s an abundance of information and education out there to help you with money, you just have to seek it out.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 70 – My Budget Non-Negotiables

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Money Mindset Makeover: How to Start Thinking Like a Wealth Builder Apr 21, 2025

The one thing you need, more than anything else, to change your finances, or your life, for the better is the right mindset.

Your mindset makes all the difference.

How you think about your money determines how you act with your money.

To become a person who builds wealth, you need to start thinking (and therefore, acting) like a wealth builder.

Not sure what that looks like? In this episode, I’m walking you through some of the most impactful mindset shifts you can make to become a person who succeeds with building wealth.

Get ready for a money mindset makeover that has you thinking like a real wealth builder!

I saw a quote online that said, “a negative mindset can cost you more than any expense.”

I had to sit and appreciate how true that quote was.

When your mindset isn’t up to par, you not only miss out on opportunities to change your life, but you rob yourself of any joy you could have for what is going right in your life.

Here's a glance at this episode:

[02:38] If thoughts dictate your actions, what makes mindset so critical is the actions you take relative to the thoughts you’re having.
[06:33] Do you constantly think you never have enough money? Shift to the mindset of there are always opportunities to make more.
[11:29] How can you spend slightly less on discretionary things and take that difference and put it into an investment account?
[17:46] Raya shares her first realization of the fear of success. It never occurred to her that this is a real fear that impacts how people think and act.
[21:36] Raya shares some actionable tips people can implement instantly to start building more confidence with money.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 85 – Mindset Matters: Abundance versus Scarcity

Listen to Episode 11 – The Power of Visualization to Help You Reach Your Goals

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Budgeting Myths Millennial Women Need to Stop Believing Apr 14, 2025

In my over-a-decade of experience with budgeting, for myself and helping others, I’ve come across a myriad of reasons, excuses, fears and inaccurate rationalizations for why people choose not to budget.

And it’s doing more harm than good.

There was a point in time when I chose not to budget, and it cost me a lot. Thankfully, I got my act together and now I help women do the same.

We all need to be budgeting, and if you’ve convinced yourself otherwise, I’m here to set you straight!

In this episode, I’m sharing 5 budgeting myths millennial women (or any woman really) needs to stop believing because these myths are delaying a life of happiness.

One of the most common things people do with their finances is trying to keep it all in their head. If you think you can keep your budget top of mind, you’re setting yourself up for failure. I share some solutions to this particular myth.

Here's a glance at this episode:

[03:05] When you rely on a mental budget, you’re leaving so much room for error. We can’t remember or account for everything in our head.
[06:42] Just because you never learned how to budget in the past doesn’t mean that you can’t learn or succeed with budgeting in the present.
[09:15] When it comes to creating your budget, there are certain numbers that you do need to know, but you don’t have to be responsible for always calculating them.
[13:40] A budget should include the things you love and/or saving for the things that truly matter to you.
[16:53] You can’t predict the future. Certain things will come up that we can’t plan for. That means you need to believe it’s okay to be fluid with your budget.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 3 – Breaking Through the Stigma of Budgeting

Let Raya create a budget plan for you!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Personal Finance Planning for Women with Mabel of Girls on the Money Apr 07, 2025

Long gone are the days where we put our financial wellbeing into someone else’s hands.

Not only do most financial advisors prefer working with individuals who already have wealth built, but sole responsibility for our financial situation lies within ourselves.

Each of us must take ownership of our situation and work to make positive changes in it. This is even more important for women.

Personal finance planning isn’t always an easy topic to discuss, but it’s a necessity.

That’s why I’m so excited to welcome Mabel Nunez of Girls on the Money to the show today.

Mabel and I are discussing how women can start preparing for their financial future and build wealth through investing.

Mabel also gives insight into how she started investing and how one class changed the overall trajectory of her life.

If you’ve been holding off on investing, Mabel’s insight will encourage you to finally dive in and get started. Your future self will thank you!

Here's a glance at this episode:

[04:05] Mabel shares that no one ever talked to her about investing, so when she took a class to learn more, the trajectory of her life changed.
[12:25] Emergencies don’t announce that they’re coming. Mabel shares the importance of having a savings account dedicated to emergencies.
[18:00] Don’t overthink getting started with investing. Mabel discusses hurdles that could stop someone from investing.
[27:54] If you’re a long-term investor, you can expect your money to grow and compound by 10% per year. There’s no better return.
[41:12] If you’re buying quality company stock, your portfolio will bounce back. That means you’ll want to be careful with how you react to dips.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Mabel on Instagram

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Rewind: Financial Education versus Financial Experiences Mar 31, 2025

In this week’s City Girl Savings podcast episode, and the final of our rewind series, we’re rewinding to an episode recorded just last year – Financial Education versus Financial Experiences.

I chose to rewind to this episode because I want you to know that the experiences you have with your money are significantly more powerful than any financial education you may have. And I’m speaking from experience.

I have a B.S. degree in Finance, but my financial experiences have shaped what I do with my money now and how I leverage it to get ahead.

In this episode, I share how my financial education and my financial experiences impacted my life…ultimately leading me to the conclusion that you don’t need a formal education in finance to be good with money.

A financial education is great, and I encourage you to seek it, but it’s not a necessity to have a financially stable, financially free life. Enjoy this final episode of our rewind series.

Here's a glance at this episode:

[02:31] Raya shares her early experiences with money as a child and her perspective on how things were covered back then.
[04:57] A money belief that Raya absorbed early on was that if you go to work every day you will come home and have what you need.
[07:45] The money principles Raya learned before college went out the drain when she got to college and had access to credit cards.
[11:25] Raya learned the importance of paying her bills on time but only because she almost faced eviction for failing to pay rent on time.
[14:41] 9 years after starting City Girl Savings, most of what Raya learns is through financial experiences compared to financial education.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 1 – Big City Spender to City Girl Saver

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Rewind: Why You Need to Pay to Get Better with Money Mar 24, 2025

In this week’s City Girl Savings podcast episode, we’re rewinding to another more seasoned episode, recorded in the second year of this podcast – Why You Need to Pay to Get Better with Money.

I chose this episode to rewind to because there is still a collective doubt about the power of investing your own dollars to learn what it takes to better your financial situation.

Have you considered working with a financial coach or therapist and talked yourself out of it? You’re not alone!

In this episode, I break down the value of investing money to improve with your money, along with the necessary mindset shift a person needs to make to not only willingly put up their money to improve in their financial situation, but to see an infinite return on that investment in the form of true results.

If you know you need to get help in your situation but haven’t been able to justify the cost, this episode will change your entire perspective.

Here's a glance at this episode:

[02:22] In this City Girl Solutions segment, I’m sharing some ideas for budget-friendly wedding planning.
[04:35] If you’ve never invested in any type of coach or trainer, it can probably be hard to wrap your head around spending money to get better with something that you can learn on your own.
[10:23] You can spend a lot of time researching and learning what you can do to improve your finances. The research may not cost money. However, you’re giving up your time at the expense of not spending money.
[14:00] Nothing happens overnight – whether you work with a coach or not. You have to be consistent and put in the work to see the results.
[18:09] Paying down your debt balances is a big part of building wealth. With the right plan, you can see progress in this area.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Get on the waitlist for the Money Management Mastery program!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Rewind: 9 Ways to Manifest More Money into Your Life Mar 17, 2025

In this week’s City Girl Savings podcast episode, we’re rewinding to a more seasoned episode, recorded in the second year of this podcast – 9 Ways to Manifest More Money Into Your Life.

I personally love this episode and chose to rewind to it because not everyone believes in the power of manifestation, or you just need some encouragement to manifest money into your own life.

In the episode, I share 9 ways anyone can start manifesting more money into their lives. I also share my manifesting journey.

What’s not included is how I manifested my life goal of owning a second home in Palm Springs. If I were to re-record this episode, I’d have another firsthand example of how powerful manifesting can be.

Here's a glance at this episode:

[02:15] When you start believing something to be true, your brain acts accordingly. This is the science behind manifestation.
[04:20] One tip to help you manifest more money is to write yourself a million-dollar check and keep it some place where you can see it often.
[06:48] I hate to say it, but the more negative you think, the more negative things will happen. This is because you’re constantly focused on the negative, so it becomes much more apparent.
[10:00] Already have goals? Have you shared them? Putting your goals out into the world adds an extra layer of accountability, which can help you work harder to achieve them.
[14:10] The more thought-aware you become, the easier it will be for you to notice thoughts that aren’t in line with what you want to manifest.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Get on the waitlist for the Money Management Mastery program!

Listen to Episode #43 – 6 Negative Thoughts Hurting Your Money Situation

Listen to Episode #53 – My Personal and Business Goals for 2023

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Rewind: How to Stop Holding Yourself Back with Money Mar 10, 2025

In this week’s City Girl Savings podcast episode, we’re rewinding to an episode in the early stages of this podcast – How to Stop Holding Yourself Back with Money.

I chose this episode to rewind to because it can serve as your true wake up call to take responsibility for your financial situation. I get real, honest and debatably harsh.

In the episode, I share 6 incredibly effective ways to help you break free from your own self-imposed financial chains.

Not only that, I make sure that each of the solutions provided are things that can be implemented immediately.

The power to change is in your hands, and I want you to take that power and level up your money situation. Enjoy!

Here's a glance at this episode:

[02:20] Changing your mindset allows you to see opportunities instead of problems. This is critical for getting ahead with your money.
[04:04] Now, I welcome being uncomfortable because it’s a sign that I’m getting to another level and growing.
[07:49] If you don’t have any idea where you want to be in life, you may find yourself unhappy. Take the time you need to get clear on what you want out of life.
[10:05] Start reframing your thoughts! Instead of thinking “I’m unhappy with the money I make”, think “I’m grateful to have money coming in.”

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Check out the Life Coach School Podcast for mindset help

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Rewind: How I Curbed My Desire to Spend Mar 03, 2025

In this week’s City Girl Savings Podcast episode, the first of our rewind series, we’re rewinding to one of my first episodes of the podcast – How I Curbed My Desire to Spend.

I chose this episode to rewind to because it lays out the 2 specific phases of my life where I intentionally decided to control my spending.

First, when I had no choice and second, when I wanted to make something of the additional income I started to have.

This episode also breaks down the habits that helped me curb my desire to spend for the long haul.

These weren’t quick fixes, but true behavioral changes that impacted my impulse to shop and accumulate material things.

I hope you can take something from my experiences and apply it to your own situation – especially if you struggle with overspending. Enjoy this first episode of our rewind series.

Here's a glance at this episode:

[01:20] There were two specific times in my life where I had to curb my desire to spend. One of those times, I had no choice. The other, I made the conscious effort.
[04:31] Although I was forced to get my spending in order, it helped propel me into the mindset of wanting to avoid overspending so that I could get ahead in life.
[06:53] I learned an important lesson about myself – I’m a natural-born spender. I can always find something to spend my money on.
[11:50] Keeping my goals front and center allows me to constantly remind myself that I shouldn’t overspend, especially if it’s going to be at the expense of my goals and dreams.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Let Raya create a custom budget plan for you! Get started here.

Download the CGS Money Moves Packet

Free 5 Day Money Mindset and Manifestation Challenge

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

7 Ways to Be More Mindful with Your Money Feb 24, 2025

When I first start working with my money coaching clients, I set the expectation that the first month of our budgeting and tracking together is more about mindfulness than control.

I’m not focused on how well they can control their spending right off the bat.

I’m more focused on how mindful and intentional they are. Are they aware of what they’re doing with their money, or is it mindless behavior?

Before any positive change can happen, awareness is the first step. You can’t fix a problem you don’t know exists.

In this episode, I’m sharing 7 ways to be more mindful with your money. Build that awareness of your money habits, patterns and decisions. Then, make changes where you see fit.

Here's a glance at this episode:

[02:23] If your total monthly income doesn’t cover your monthly expenses and spending, you need to find additional means of income.
[05:31] It’s not enough to just create your budget. We need to close the loop by tracking your spending to make sure you’re sticking to the budget.
[09:08] We only have so many resources when it comes to our income. We can only dedicate so much to goals. Focusing on 1-2 goals at a time is a great starting point.
[14:33] Some examples of values people can align their spending to include family, friendships, time freedom, and working for yourself.
[18:24] Consume better things for your mind. Mindfulness isn’t just effective in money – it is extremely effective in our overall lives as well.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Let Raya create a custom budget plan for you! Get started here.

Listen to CGS Podcast Episode 151 – Money and Sustainable Living with Kara Perez

Raya Recommends: The Power of Now by Eckhart Tolle

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How to Start Thinking Long-Term with Money Feb 17, 2025

Do you constantly find yourself saying “I’m only young once” or “I’ll figure out how to make more money later” or any other combination of short-term, in the moment justifications for bad spending behavior?

While the last thing I’d want to do is kill your vibe, the money coach in me needs you to start thinking long-term with money!

Instead of letting YOLO (“you only live once”) be your driving mantra behind spending, learn to accommodate your future self as well.

It won’t happen overnight, but you can train your brain to think long-term with money.

In this episode, I’m sharing 5 ways you can start that training process today.

Here's a glance at this episode:

[02:06] If you want to start thinking long-term with money, you have to visualize your life in the future. What do you want your life to look like?
[04:49] If mental health is impacting your finances, you’re not alone. There are solutions. Raya recommends an episode with a client who shares how mental health impacts her finances.
[09:08] Give yourself some grace when you first start out with delayed gratification, intentionality, and mindful spending.
[11:51] Raya shares an example of how a past-time with her mom of visiting discount stores caused unplanned spending.
[15:30] Get into the habit of always going back to your why. It doesn’t have to be a defense mechanism, but can serve as a motivator.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 38 – Money and Mental Health

Listen to CGS Podcast Episode 37 – How Practicing Delayed Gratification Sets You Up for Financial Success

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Toxic Money Habits to Break ASAP Feb 10, 2025

When it comes to your money, certain habits and behaviors can negatively impact your bottom line.

In financial terms, your “bottom line” essentially means your profit.

Whether it’s what’s left after you’ve allocated your income to expenses and spending in the month (via your budget).

Or, if you’re calculating your net worth by deducting your total debts from your total assets.

Either way, we want our “bottom line” number to be as high as possible. The more profit, the more we can grow our wealth.

Unfortunately, certain toxic money habits can reduce our bottom line number. It can happen in small, sneaky ways, or it can happen in big, drastic ways.

Regardless, it’s important to know what those bad habits are, especially since they can have the opposite effect of what we want.

In this episode, I’m sharing 5 toxic money habits to break as soon as you possibly can.

Here's a glance at this episode:

[02:23] You can spend money on non-necessities. The goal is to make sure spending is moderated by factoring those things into your budget.
[05:18] Are you constantly pulling money out of your savings account? It’s very likely you have too much going into savings in the first place.
[08:53] Depending on how much debt you have, it can take a long time to pay it off. That’s okay. Slow and steady can be effective.
[12:45] Comparing your life or trying to live a life similar to someone else’s will only lead to unhappiness and feeling less than.
[15:40] If you tend to spend money before you get it, this toxic money habit could be causing you issues over the long haul.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 70 – My Budget Non-Negotiables

Download the free Debt Repayment Checklist

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Plan, Prepare and Organize Your Finances with Alaina Fingal Feb 03, 2025

When it comes to your finances, organization is everything.

In fact, organization is everything in EVERY area of your life!

An organized life helps you feel confident, in control and gives you the necessary clarity of what should be happening next.

On the flip side, a disorganized life leaves you feeling stressed, anxious and surrounded by chaos.

When it comes to your money, chaos is not the way to go!

That’s why I’m so excited to welcome back to the show, planning expert Alaina Fingal of The Organized Money.

Alaina is joining me today to help you properly plan, prepare and organize your finances!

Here's a glance at this episode:

[03:22] Every time Alaina would create a budget, she would end up blowing that budget. She identified a lack of planning as the real culprit.
[12:51] Write down what’s happening in your life over the course of 2 weeks. This will give you a good idea of how you truly are spending your time.
[22:22] Alaina keeps her old budget data. She refers to it when preparing for expenses that are coming up again. Things like back to school and the holidays.
[34:54] Adapt your planning routine to where you currently are in life. It’s okay if your planning system changes – we have different seasons of life!
[43:26] Alaina breaks down her daily, weekly, monthly and annual planning process and how much time it takes.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Subscribe to Alaina’s YouTube Channel

Follow Alaina on Instagram

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Ways to Make Your Money Work Better for You Jan 27, 2025

If you’re using money to the detriment of your situation, it’s doing more harm than good…no matter how exciting it feels in the moment.

While I truly believe there’s an infinite supply of money, you have to put yourself in a position for money to make its way to you.

It starts with making your current income or money work better for you.

When you do right by your money, your money does right by you.

Even if you’re unhappy with what you’re currently making, you can still do the right things with your money.

In this episode, I’m sharing 6 ways to make your money work better for you.

Start implementing these steps as soon as you can, and you’ll see the ripple effect in your financial situation!

Here's a glance at this episode:

[02:03] Practice gratitude for your current income. It’s an easy way to make your money work better for you and you can start immediately.
[02:34] Follow Raya through a mini guided meditation to help you practice gratitude for your money on a daily basis.
[05:50] Whenever you get paid, a portion of it should be saved immediately. “Pay yourself first” is a tried-and-true financial principle.
[09:11] Not sure if you can save for retirement outside of a 401k plan? Raya shares a few options people can leverage to save for retirement.
[14:20] If you believe more money will make its way to you, it definitely will. However, you need to ensure you have a mindset of abundance, not scarcity. Raya shares some examples of how to do that.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode #102 – 6 Ways Gratitude Leads to a Richer Life

Raya Recommends: The Richest Man in Babylon

Listen to CGS Podcast Episode #74 – My Favorite Affirmations for Money, Happiness and More

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

My Best Tips for Setting and Achieving Goals Jan 20, 2025

Can I share a “fun fact” about myself with you?

I’ve been setting goals since I was a child.

Obviously, at the time, I didn’t really know they were goals.

They were just things I wanted, that I would write or speak…I’d even share with others.

I can safely say that setting goals from an early age until now has contributed IMMENSELY to all that I’ve accomplished today.

Sure, I haven’t achieved everything I set out too…but I either keep working towards those things or I align my goals to where I’m at now.

My point is that to be successful in life, you should be setting and working towards your goals. Not sure where to start?

In this episode, I’m sharing some of my best tips for setting goals and staying on track to achieving them!

Here's a glance at this episode:

[01:40] Raya recalls her early experiences with setting and achieving goals, by sharing a story of getting started with acting.
[04:01] When setting goals, following the SMART criteria is a must. Raya breaks down the SMART criteria to follow with your goals.
[06:50] Don’t beat yourself up for not reaching your goals when you want to. Life happens, so give yourself grace.
[09:13] Raya is reminded of her annual goals 3 different times throughout the day. She shares how she keeps her goals front and center.
[13:07] Speaking your goals out loud makes them real. Don’t be afraid to share your goals with others. It will help you stay accountable.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode #110 – 5 Ways a Type A Personality Stays Organized

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How I’m Stepping into the Next Best Version of Me Jan 13, 2025

One thing you probably know about me by now is that I’m always trying to improve.

I’m always working towards new goals, new levels and being better than I was yesterday.

Certain areas of my life are much easier to work on than others, but overall, I’m constantly striving to be the next best version of myself.

To do that, it requires building habits and routines that support my growth and development.

It also requires letting go of habits and routines that no longer serve me. I spend a lot of time at the end of the year reflecting on things that work and don’t work in my life, money and business.

In this episode, I’m sharing the habits I plan to implement as quickly as possible to help me step into the next best version of me.

Here's a glance at this episode:

[02:00] Raya vows to be proactive when expanding her knowledge. She plans on reading physical books, listening to audiobooks and taking online classes.
[05:50] Raya shares what she recently learned from the book Think and Grow Rich – that having knowledge is irrelevant if that knowledge is never used.
[08:41] Tracking macros in My Fitness Pal is a high priority for Raya in 2025, even though it sounds intimidating.
[12:53] Raya wants to initiate virtual coffee chats with guests from the City Girl Savings podcast, this can help expand her network.
[16:22] Let’s vow to do more of what makes us happy. As cheesy as it sounds, doing more of what makes you happy is a lifelong pursuit.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Raya Recommends: Think and Grow Rich by Napoleon Hill

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Building and Protecting Your Wealth with Brittney Castro Jan 06, 2025

There is nothing wrong with wanting to be a wealthy individual.

I REPEAT: There is nothing wrong with wanting to be a wealthy individual. The more wealth we have, the more good we can do.

I saw a post on social media that said the world needs more women billionaires – women like MacKenzie Scott, Melinda Gates and Taylor Swift – women using their financial resources for good.

I couldn’t agree more.

In 2025, my focus is definitely on building my wealth, and hopefully yours is too! But what is built must also be protected.

That’s why I’m so excited to talk with former financial advisor, now Certified Financial Planner Brittney Castro on the show today.

Brittney and I are going to talk about how women can build and protect their wealth for the long haul.

Here's a glance at this episode:

[02:52] Brittney breaks down her journey in the financial services industry, including the experience of selling her financial planning business.
[11:51] Do you struggle with knowing your values? Brittney acknowledges that it can be a struggle to know your next steps when you’re unsure.
[17:10] Not sure if you should save or pay off debt? Brittney shares her advice for deciding whether to save or pay off your debt or do both!
[32:49] Brittney walks through different investment vehicles, including life insurance and leveraging it for building wealth.
[40:44] If you leverage your life insurance policy properly, you can access tax-free dollars and use how you’d like.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Brittney on Instagram

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

10 Years in Business: Growth, Lessons and More Dec 30, 2024

If I think back to 10 years ago today, I was literally days away from launching City Girl Savings!

I had come up with the idea for City Girl Savings near the end of 2013 and started taking action all through 2014.

I hired a company to design a website with the capability of fostering a community, technology to allow me to create customer budget plans through the website and hold a plethora of blog articles.

My mission at the time was to help show women they could live a life of fashion, travel and self-care while reaching money milestones through budgeting.

That website was a site for sore eyes, but on January 1st, 2015, City Girl Savings came to life.

As we approach our 10-year anniversary, I want to share what 10 years in business has looked like for City Girl Savings.

In this episode, I’m reflecting on the growth, the changes, and the lessons learned after 10 years in business.

Here's a glance at this episode:

[02:06] City Girl Savings was not an overnight success. The first business sale came 8 months after launching.
[04:44] 2023 was the first year City Girl Savings saw a large reduction in revenue. Raya shares more about business finances over the years.
[08:29] Raya has learned that City Girl Savings isn’t for everyone. It was hard not to take this personal in the beginning.
[12:46] Another struggle Raya had in the early stages of the company was understanding that no one is going to love the business as much as her. It’s her baby, no one else’s.
[18:29] Comparison is something Raya is good about not doing. While she’s human and has her moments, she doesn’t stay in those moments of comparison.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 77 – Behind the Scenes of the CGS Team

Get 20% off Custom Budget Plans. Use code 2025!

Get 20% off 1-on-1 money coaching with Raya! Use code 2025.

Request a complimentary call with Raya to discuss your finances!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Empowering Reasons to Prioritize Your Money Next Year Dec 23, 2024

The older I get, the more I realize how important money management is.

Having money, keeping money, and growing money – things that we really aren’t taught early in life, but things that make a huge difference in the quality of our lives.

I was fortunate enough to be in a tough financial situation in my early 20s that opened my eyes to the importance of doing the right things with money.

Now, I strive to help women see the value of budgeting and money management and learn what it takes to succeed with it.

If you’ve been wanting to prioritize your money, but haven’t gotten around to it yet, this episode is for you.

I’m sharing 5 empowering reasons to prioritize your money next year and keep it a priority indefinitely.

Here's a glance at this episode:

[01:43] Raya breaks down inflation, how it’s calculated and how it has changed over time.
[04:00] Inflation and cost of living increases are inevitable. Prioritizing your money can help you stay ahead of the curve.
[07:18] Raya doesn’t believe Social Security benefits will ever go away, but relying on them to get you through the future is not a smart move.
[08:02] As a way to face fear and focus on solutions, Raya and her fiancé run through their worst-case scenarios and things they can do to counter them.
[13:09] Prioritizing your money now means you won’t have to stress and worry about money as much in the future. Invest in real estate and the stock market as early as possible.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 1 – Big City Spender to City Girl Saver

Request a complimentary call with Raya to discuss your finances!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

My Personal and Business Goals for 2025 Dec 16, 2024

I can’t believe I’m getting ready to share my 2025 goals with you on the podcast!

Not only is time flying, but I think back to when I shared my goals on the podcast for the 2023 year.

I’m so grateful for another year of the City Girl Savings Podcast, but I’m also grateful to have learned long ago that time keeps going, so every opportunity I get to make the most of it, I take full advantage.

I’ve been setting goals for decades and I have no doubt they’ve helped me get to where I am today, whether I actually reached the goals I set or not.

Alright, since we’re getting very close to the New Year, the time for me to reflect on my progress and set goals for the next year has come!

In this episode, I’m sharing my personal and business goals for 2025. I’m also giving you an update on my 2024 goals!

Here's a glance at this episode:

[03:04] Raya kicks off by sharing her progress towards the goals she set in 2024 for both personal and business.
[05:10] One goal for Raya in 2024 was to start therapy. She achieved this goal but may have to make some adjustments in 2025, thanks to insurance.
[09:54] Trending back to normal revenue numbers for the business in 2024, but not quite reaching the goal of increasing revenue by 50%.
[13:53] Raya was not expecting to reach a goal of owning a second home in Palm Springs. In 2025, Raya wants to see a short-term rental profit.
[18:00] Similar to last year, Raya wants to focus on increasing City Girl Savings Newsletter subscribers in 2025.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 134 – 2024 Mid-Year Personal and Business Goal Check-In

Subscribe to the City Girl Savings Newsletter!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

6 Ways a Money Coach Can Turn Your Life Around Dec 09, 2024

Be honest with me. Have you ever considered working with a money coach but immediately thought: “why should I spend money to have someone help me with money”?

As a money coach who’s nearly a decade in, I’ve heard that sentiment more than you’d imagine…and I’m sure people have thought it without saying it out loud!

It’s a valid thought but requires deeper analysis.

If you needed help with the electrical wiring in your house and didn’t know what to do, you wouldn’t think twice about spending money on getting the help you need.

Same goes with other services, same goes with other areas of your life.

If you need help with your money and haven’t been able to figure it out on your own, there’s nothing wrong with paying to get the help you need.

In this episode, I’m sharing 6 ways a money coach can turn your life around. Let this episode serve as your sign to seek the help you need!

Here's a glance at this episode:

[01:53] Raya shares her specialty when it comes to money coaching. She helps clients create and stick to realistic budget and spending plans.
[04:03] When you don’t know what’s happening in your money situation, you’re likely not doing the best things with your money. That’s where a money coach can make a difference.
[07:23] Willpower and self-accountability have limits. A money coach can help you stay strong and accountable with your financial decisions.
[12:00] A money coach can motivate and encourage you to reach your goals faster.
[15:15] It’s hard to deal with money struggles on your own. Having a money coach to talk things through can help relieve some stress.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn about Raya’s Financial Focus Coaching Program

Listen to CGS Podcast Episode 25 – How Financial Coaching Changed Her Life with Vanessa

Listen to CGS Podcast Episode 81 – Manifesting Money, Trips and More with Tymika

Listen to CGS Podcast Episode 129 – Budgeting Multiple Six Figures with Rachel

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Navigating Life and Money After Divorce with Attorney Ashley Nicole Green Dec 02, 2024

I don’t think anyone goes into a marriage thinking it could eventually end. However, life happens.

Sometimes, things don’t work out as we hope or plan they will and we have to course correct.

As someone who’s newly engaged, I want to make sure I think about all aspects of life and finances once our marriage begins.

I’ve also worked with plenty of clients who have been divorced or have gone through a divorce during our time together. It’s hard.

That’s why I’m so excited to chat with attorney Ashley Nicole Green on this week’s episode of the City Girl Savings podcast.

Ashley and I are going to discuss how women can navigate life and finances before marriage, after a divorce and everything in between.

Here's a glance at this episode:

[05:00] Ashley shares that when she and her husband were newly engaged, they sat down and had a candid conversation about each of their financial situations.
[13:30] Ashley explains how costly divorce can be, just because of how much time goes into it. This is where having a prenup can save both parties a lot of money.
[20:30] Avoiding going to court for child support and custody arrangements is best. Ashley shares why and when it is necessary to go to court.
[34:50] Ashley shares her advice for women who think they may need a divorce but don’t have a prenuptial agreement in place.
[42:50] When navigating divorce with children, a great motto to uphold is “children at the center of every decision.”

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Ashley on Instagram

Learn more about Ashley’s Attorney Services

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

7 Things I’m Grateful For in My Life Nov 25, 2024

I don’t know about you, but the end of the year always puts me in a state of gratitude and reflection.

Gratitude for all that has happened in the year and reflection on what has and hasn’t worked during the year.

Considering that Thanksgiving is only a few days away (at least if you’re listening to this live), I want to take some time to share the things I’m most grateful for in my life right now.

The beauty of gratitude is that there is truly so much to be grateful for. To be alive is a gift.

In this episode, I’m sharing 7 things I’m grateful for in my life. I encourage you to make your own list of things you’re grateful for as the holidays approach!

Here's a glance at this episode:

[02:18] Raya kicks off her list of things she’s grateful for with her health. She shares why gratitude for her health is so important.
[04:25] While Raya’s parents are deceased, she shares why she’s grateful for the family she does still have here with her.
[07:20] Sometimes, Raya’s coaching clients end up turning into friends, and this is something Raya is always grateful for.
[10:19] Raya ends her gratitude list with appreciation for her dogs, Milo and Toby.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 102 – 6 Ways Gratitude Makes for a Richer Life

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Money Systems to Set Up Before the Year Ends Nov 18, 2024

If you’re listening to this episode when it’s released, we’re about six weeks away from the new year.

I love everything about this time – wrapping up a year, reflecting on how things have gone, and setting goals for another year.

I think now is the perfect time to get things in order. Don’t wait for a new year to start, start now!

If better money management is on your new year’s resolution list, what better time than now to begin?

In this episode, I’m sharing some money systems to set up before the year ends.

Make it a point to implement these money systems in preparation for a new year, so this next year can be your best one yet!

Here's a glance at this episode:

[02:15] It should come as no surprise that Raya recommends everyone set up a budgeting system – no matter what a person’s situation looks like.
[06:09] Raya breaks down the important aspects of your budgeting system. This includes setting up your budget, tracking your spending and closing out your budget.
[12:49] To start your debt pay off system, Raya walks through how to organize your debt to help you take action.
[18:25] Retirement is an investing system anyone can work towards. Raya shares some things to keep in mind when setting up your retirement contributions.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Let Raya create your next budget plan!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Times I Pushed Past My Comfort Zone and Reached New Levels Nov 11, 2024

Great things happen on the other side of our comfort zones.

I’ve talked about this before on the podcast and I believe it wholeheartedly.

Over the course of my life, I’ve constantly pushed my own boundaries and pushed past my own comfort zone.

Doing so has helped me reach new levels in life, ingrain resiliency into my character, and have a deep level of self-trust.

I consider myself a capable person who can accomplish what I set out to do. That’s not to say things always go as planned or even work out.

They don’t. But, every time I’ve gone outside my comfort zone, new levels await.

In this episode, I’m sharing 5 times I pushed past my comfort zone and reached new heights in my life.

Here's a glance at this episode:

[02:05] Raya breaks down her mindset when she decided to go full-time with City Girl Savings and how that helped her reach a new level.
[05:11] If you never take action or get uncomfortable, you don’t know what amazing things are on the other side of those decisions.
[12:18] Raya gives insight into her past relationship style. She breaks down how she finally let go and gave into her current relationship.
[16:43] Hindsight is 20/20. Raya shares how moving to LA ended up costing her more than she ever thought it would…even though she has no regrets.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 88 – How to Get Comfortable with Being Uncomfortable

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Money and Sustainable Living with Author Kara Perez Nov 04, 2024

Overconsumption, consumerism, and materialism – all things our society tends to put on a pedestal.

Not only does this cause people to overextend themselves and live beyond their means, but it doesn’t usually translate into a truly happy life.

That’s why I’m so excited to welcome Kara Perez back on the show.

Kara’s first book “Green Money” comes out in a few weeks, and today she’s here to chat with me about all things money and sustainable living.

If you’re looking to live a happier life on less, you don’t want to miss this conversation!

Here's a glance at this episode:

[04:55] Kara shares her experiences with moving and keeping it budget-friendly. Kara experienced moving within a state and out of state.
[12:45] 70% of the American economy is consumer spending. Kara breaks down an easy way to understand U.S. economics.
[23:00] Kara encourages listeners to reframe their mindset and spending habits to help people learn to consume less.
[32:32] Change needs to happen at the individual level before it can happen at the societal level. Don’t think your efforts are in vain.
[39:27] Want to start being more sustainable? Kara shares her tips for getting started with sustainable living.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Get your copy of Green Money

Follow Kara on Instagram

Follow Kara on TikTok

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Reasons Not to Go into Debt During the Holidays Oct 28, 2024

If you’re anything like old Raya, the holidays can put a hurting on your budget.

Between Christmas gifts, personal gifts, stocking stuffers and sales galore, it’s easy to find yourself going into debt during the holidays.

Trust me…I was there. Black Friday was my time to buy gifts…for myself!

I would buy other people gifts too, but not going to lie – I shopped quite a bit for myself.

I want you to learn from my mistakes!

In this episode, I’m sharing 6 reasons not to go into debt during the holidays. It can be exhilarating to get caught up in the shopping swirl, but if it’s not under control, it’ll add up quickly.

Here's a glance at this episode:

[02:12] Raya shares how she would use the holidays to spend money on herself and it ended up costing her a lot of money.
[04:55] Don’t wait until the New Year to keep your spending in check. Starting before the New Year helps you go into another year already on track.
[08:40] If your kids see you going into debt for holiday spending, what message are you sending them?
[11:13] The people who care about you don’t want you to be financially worse-off just to buy gifts for them.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Making the Mindset Shift from Spender to Saver Oct 21, 2024

If you’re new to the City Girl Savings community, then I need you to know that while I may be a finance coach and the founder of City Girl Savings, I was an avid spender before City Girl Savings came to be.

I put myself in situations where shifting from a spending mindset to a savings mindset was a necessity.

That means I know a thing or two about being an overspender. I also know a thing or two about being a saver.

So, when it comes to shifting from a spending mindset to a savings mindset, my guidance speaks volumes, because I’ve been there.

In this episode, I’m sharing how to make the shift from spender to saver. If you struggle with spending, you don’t want to miss this episode.

Here's a glance at this episode:

[02:10] Want to become a saver? Don’t wait until the worst-case scenario to happen before making the change.
[05:13] Over time, it will get easier to say “no” to things that don’t help you get towards your goals. Always remember your why.
[08:34] A trend with Raya’s clients is them not wanting to touch their savings. It’s okay to use savings when things come up – that’s what it’s there for!
[11:58] Spending money on experiences is always worth it for Raya, after security is taken care of.
[15:10] Let growing bank account balances fuel you. Eventually other financial milestones will fuel you to keep going.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast #1 – Big City Spender to City Girl Saver

Listen to CGS Podcast #11 – The Power of Visualization to Reach Your Goals

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Budget Adjustments to Make in the Fall Oct 14, 2024

Fall is my favorite season!

The weather is cooling down, pumpkin spice lattes are flowing, and the holidays are around the corner!

There are so many wonderful things that come with the fall season, so it’s only right that our budgets are adjusted accordingly.

In this episode, I’m sharing 5 budget adjustments to make for the fall season.

Since we know that fall and winter seasons come around the same time every year, establishing a process and routine to prepare your budget ahead of time can keep you on top of your financial goals!

Here's a glance at this episode:

[01:35] Don’t let the fall vibes cause you to overspend! Creating a budget specifically for the fall season can help you stay on track with financial goals.
[03:40] Raya recommends adjusting your budget to send money to a “Holiday Spending” category to help with seasonal shopping.
[08:00] The holidays can be a great time to pick up things you’ve been needing. Be mindful of picking up things that are on sale.
[10:45] Consider reducing your current budget categories to help allocate more money to holiday-specific spending.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast #45 – How to Prep Your Budget for the Holidays

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

The Rise of Financial Coaching with Nicole from Arise Financial Oct 07, 2024

I’ve been a finance coach since 2016 and since then, I’ve seen a huge increase in the number of financial coaches offering services.

This is a great thing! It means more conversations around financial literacy are showing people that there is outside help for your money, budget and overall financial situation.

Financial advisors help you keep and grow your wealth, but financial coaches help you lay the foundation to start building wealth.

That’s why I’m so excited to talk with another financial coach today – Nicole Stanley from Arise Financial Coaching.

Nicole and I are going to discuss the rise of financial coaching, what benefits come from this type of coaching, and so much more!

Here's a glance at this episode:

[05:46] Nicole started helping friends and family manage their budgets and retirement plans before starting her coaching company.
[14:56] Nicole can see what a joy it is to spend on experiences now, when in the past she was very rigid with indulgences.
[22:48] Nicole and Raya believe that people need to commit to doing the work when seeking out financial coaching assistance.
[34:00] People aren’t always used to paying up front for services, but financial coaches can help bridge that knowledge gap.
[41:14] Nicole breaks down toxic frugality and how people can identify their values and spend accordingly.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Nicole on Instagram

Check out Nicole’s Website

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Habits and Routines That Help Me Manage My Time Sep 30, 2024

One thing I pride myself on is my ability to manage my time and get things done.

I’ve always been the type of person who does what she says she’s going to do, and I keep my word to myself.

This has been extremely helpful in my career, but especially when working for myself.

Over time, I’ve identified the things that have had the biggest impact on my time management success.

In this episode, I’m sharing 6 habits and routines that play the biggest role in helping me manage my time.

If you struggle with time management, I hope this episode sheds some light on what works for me and how!

Here's a glance at this episode:

[02:02] By 5:45am, Raya is up and getting ready to start her workout. Getting that done early in the day makes a huge difference.
[05:25] Raya only cooks 1x per week currently but shares that she makes enough to cover a handful of meals for the week.
[09:09] Pulse checking her calendar for the day early in the morning helps set the tone for Raya’s morning routine.
[13:25] Raya tries to ensure all meetings and appointments are set at the same time every week or every other week.
[16:40] Keeping 1-2 days per week open for fluidity and flexibility can make a huge difference in your wellbeing…it does for Raya!

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast #58 – My Daily Morning Routine for Boosting Productivity

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Why the FIRE Movement is Too Extreme for Me Sep 23, 2024

Financial Independence, Retire Early (also known as FIRE) is a movement devoted to extreme saving and investing in the present so that a person can retire much earlier than the traditional retirement age of 65.

The Fire movement prioritizes saving and investing 50 to 70% of a person’s income, if not more, to ensure early retirement is possible.

In this episode, I’m breaking down the Fire movement in detail and sharing why it doesn’t work for me or my dream life.

My goal is to give you more context on the movement, along with my rationale for taking a softer approach in the present, even if it’s at the expense of an early retirement.

Here's a glance at this episode:

[01:45] Not sure what the FIRE movement is? Raya breaks down the FIRE movement and the commitment needed to follow it.
[04:38] Raya’s gives an example of how to identify your FIRE number by running through a scenario where a person’s expenses are $5000/month.
[06:34] There are a few FIRE variations a person can follow, and Raya walks through each of them.
[14:00] Raya shares how people can invest – through a retirement plan and through a general investment account.
[16:22] Because of Raya’s personal and business expenses, Raya doesn’t feel the FIRE movement would work for her.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast #107 – Adding Investing to Your Money Goals with Marc Russell

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Things You Can Do to Give Yourself More Time Back in the Day Sep 16, 2024

Is it just me, or does it feel like the older we get, the less time we seem to have?

Like the time we do have just flies by in the blink of an eye. I don’t even have kids yet, but I can imagine that time goes even faster when little ones are involved!

While we all get 24 hours in a day, it may not feel like time is evenly distributed.

If you struggle with time management or feeling productive with the time you do have, I want to help!

In this episode, I’m sharing 5 things you can do to give yourself more time back in the day. These hacks can help you feel like you have more time for yourself!

Here's a glance at this episode:

[01:44] While Raya’s personality helps her manage her time effectively, it can also cause her to get overwhelmed when things don’t go according to plan. She’s working on it!
[03:55] Leverage your personality preferences to make the most of routines. Are you a morning or a night person? Stick with what works!
[06:34] Reducing the amount of time you look at screens can help you get a lot more time back into your day.
[09:54] Raya leverages the start of her day to get a lot of her goals and tasks done. This allows the rest of her day to be focused on work and/or relaxing.
[13:55] Want to get active but don’t have time? Consider purchasing a standing desk and walking pad.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast #110 – 5 Ways a Type A Personality Stays Organized

Listen to CGS Podcast #125 – Motherhood and Money with Sahirenys Pierce

Listen to CGS Podcast #58 – My Daily Morning Routine for Boosting Productivity

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

My Travel Bucket List and Destination Experiences Sep 09, 2024

If you know me, then you know I love to travel.

Long ago, when I was forced to identify my life’s priorities, I came to the realization that travel and new experiences would be something I always plan and budget for.

It would be something I would happily spend my money on (with a proper budget, of course) but enjoy with no regrets.

Since that realization, I’ve been to some amazing places, including 15 different countries. And I’ve seen almost all of the United States. I only have 14 more states to hit!

In this episode, I’m sharing some of my most memorable destination experiences and some places that are very high on my travel bucket list!

Here's a glance at this episode:

[01:53] Travel may not resonate with you like it does with Raya, however Raya encourages listeners to identify the things they love and would happily spend money on.
[04:20] Raya has been on planes regularly since she was an infant. She breaks down her earliest travel experiences.
[07:13] Raya’s first international trip happened in 2012. It was a Mediterranean cruise that left out of Venice, Italy.
[12:15] Of all the beaches Raya has been to, she shares that The Bahamas are the best (in her opinion).
[16:50] Raya shares the places that are high on her travel bucket list. Places like Europe, French Polynesia, and knocking out the remaining U.S. states.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 12 – An Introduction to Travel-Hacking

Grab your copy of Raya’s Italy Itinerary

Listen to CGS Podcast #30 – Vacation Planning on a Budget

Listen to CGS Podcast #39 – How to Stay in Budget on Vacation

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Building a Wardrobe on a Budget with LA Stylist Emily Burnette Sep 02, 2024

There is absolutely a way to be stylish on a budget.

Raya in her 20s would've said “you're wrong”.

My past self didn’t care about a budget when trying to be fashionable. But I should have. And while there is an art and a science to being fashionable on a budget, it’s 100% possible.

In fact, LA-based stylist Emily Burnette is here to show us how!

In this episode, Emily and I are talking all things affordable fashion and how anyone can build a dream wardrobe on a budget.

If you want to take your closet to the next level (like I do), you don’t want to miss this conversation!

Here's a glance at this episode:

[02:39] Emily breaks down her journey from working retail in NYC to becoming a stylist located in Los Angeles.
[07:44] After having a “divine moment”, Emily shares her thought process to becoming a full-time business owner.
[12:25] Struggling with your closet? Emily recommends doing a “closet edit” to help you take the first step to revamping your wardrobe.
[26:40] Emily helps listeners get to the root of “why” people may want to own a designer piece and how that could impact other areas of life.
[36:20] Toss it, Keep it, and Re-work it. These are the categories Emily helps clients work through when creating an updated wardrobe.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Book a complimentary Style Consultation with Emily (get 20% off services by mentioning CGS)

Follow Emily on Instagram

Check out Emily’s Website

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How Managing My Money Has Boosted My Confidence Aug 26, 2024

I’ve been budgeting and managing my money for a long time.

I’ve learned so much about myself along the way, and finally getting into a rhythm with my money and budget has put me in the best financial place I’ve ever been in.

It’s hard to imagine anyone’s confidence not growing after that!

In this episode, I’m sharing how managing my money has boosted my confidence and allows me to take on opportunities I may not have taken.

I’m so proud of how far I’ve come, and while there’s still more to go, I’m fully confident in my abilities to get there.

Here's a glance at this episode:

[01:40] There was a point in time where Raya didn’t have confidence being in certain rooms. Managing her money has changed that.
[04:34] Raya has always been comfortable with risks. She shares an early experience of taking on a loan when she couldn’t afford the cost outright.
[08:59] One reason it took Raya so long to take CGS full-time was a fear of not making enough money on her own. Her confidence has since changed.
[12:45] 2023 was a year that resulted in a big income drop for Raya. Her ability to manage money gave her confidence to power through.
[15:50] Raya has always had a fear of “things going wrong” even when it seems unlikely. She shares how she worked through it.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Check out CGS Podcast Episode 119 – How I Grew My Business While Working in Corporate

Save your spot in the upcoming How to Master Your Money and Budget Masterclass!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Money Fears Hurting Your Success Aug 19, 2024

In simple terms, fear is the response to perceived physical or emotional danger.

Fear is your brain’s way of recognizing a threat and prompting you to protect yourself.

If we were in ancient times, our fear response would be necessary to keep us safe. Nowadays, not so much.

We’re not facing imminent danger like people were back then. Sure, there are other dangers that are present in our current times, and fear is absolutely appropriate in those situations.

However, there are other situations where fear isn’t warranted.

We just have to train our brains to not be fearful of those situations.

In this episode, I’m sharing 6 money fears hurting your success. My goal is to help you work through these fears and see what amazing things come out on the other side.

Here's a glance at this episode:

[02:41] Raya gives an example from her past where her fear response happened, but the situation truly didn’t call for it.
[06:35] Investing is one of the best ways to build long-term wealth. We have to take ownership of learning what to do when it comes to investing.
[11:31] If you’re not putting your cash in an account that’s generating interest, you’re losing money due to inflation.
[17:42] Hoarding money can be the result of a fear of something happening. This could keep you from making your money work best for you.
[22:14] The fear of spending money and not getting a tangible return in place can be extremely detrimental to your growth, in money and life.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Check out CGS Podcast Episode 107 – Adding Investing to Your Money Goals

Save your spot in the upcoming How to Master Your Money and Budget Masterclass!

Check out CGS Podcast Episode 10 – Conquering the Fear of Failure and Redefining Success

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Money Principles Everyone Should Follow Aug 12, 2024

Money runs our lives. I don’t mean that in a bad way, but in a matter-of-fact way.

We need money to survive. We need money to enjoy our lives.

Everything has a cost. It is what it is!

Since we can’t escape the capitalist society we live in, it’s important we put ourselves in a position to master our money.

This starts with some important money principles everyone should be following.

In this episode, I’m breaking down 5 money principles that should be a guiding light in your financial situation.

Take your time implementing these principles, with the goal of following all 5 of them.

Here's a glance at this episode:

[02:08] Want to expand your knowledge of basic money principles? Raya recommends reading The Richest Man in Babylon.
[04:55] The goal of saving money is to truly build up a nest egg, or emergency fund, in case something happens or goes wrong.
[08:33] Credit isn’t always a bad thing. Raya shares an example of how leveraging credit helped her situation.
[12:56] “Good things come to those who work.” Raya shares why working hard is a rule of thumb for anyone looking to be successful.
[16:00] Do you think in terms of lack or abundance? Raya gives some examples of what it’s like to think in lack.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Grab a copy of The Richest Man in Babylon

Check out CGS Podcast Episode 121 – How I Paid Off My Dream Car

Save your spot in the upcoming How to Master Your Money and Budget Masterclass!

Check out CGS Podcast Episode 85 – Abundance versus Scarcity

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Mastering Your Money with Credit with Christina Roman of Experian Aug 05, 2024

Credit, when managed the right way, can help anyone take control of their money.

Leveraging credit can give you access to cash, save you money, and help you purchase things you otherwise wouldn’t be able to have.

That’s not to say that carrying balances and accumulating debt that you can’t pay back is a wise move, because it’s not!

However, there’s a difference between credit and debt.

That’s why I’m so excited to talk with Christina Roman from Experian about how people can master their money with credit.

If you view credit and debt as one in the same, I hope you finish this episode feeling empowered to have the system work with you, not against you!

Here's a glance at this episode:

[04:59] “Credit is a financial tool. Debt is a financial problem.” Christina breaks down the difference between credit and debt.
[12:15] Curious why your credit score varies wherever you look at it? Christina shares why that happens and why it’s normal.
[20:20] Disputing an incorrect item on your credit report is easier than you think. Learn about the ways you can initiate the dispute process.
[30:13] Making small charges on your credit card and paying those charges off shows that you are responsible with credit.
[38:30] Christina talks about collection accounts and how they could impact your credit score, depending on the model.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn more about Experian

Get a copy of your free credit reports at www.annualcreditreport.com

Follow Experian on Twitter

Save your spot in the upcoming How to Master Your Money and Budget Masterclass!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

The Pros and Cons of Renting Out Properties Jul 29, 2024

The rise of real estate investing in social media has been a popular topic of conversation…and for good reason.

There are a lot of amazing things that can come from real estate investing. There’s a lot of work that goes into it as well.

My brother and I have been managing rental properties since 2015.

For me, the goal is to build out a rental property portfolio.

In this episode, I’m sharing my personal experiences with renting out properties and the pros and cons of doing so.

If you’re interested in real estate investing, hopefully this episode sheds some light into the things you should think about when moving forward.

Here's a glance at this episode:

[02:01] Raya shares how she and her brother had to assume a mortgage for a property inherited from their dad.
[05:13] A second property rented out belonged to her mom and it also had a mortgage on it when being rented out.
[11:40] Biggest pro for rental income is monthly cash flow. Monthly rent payments should cover any costs and leave you with profit.
[14:44] It can cost a lot of money to “fix up” a property. Work with someone who can help you identify the most important things that need to be fixed.
[17:55] Raya rents a property with a pool, which could lead to extra liability. Raya shares how she works through this.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to episode 86 – Home Buying 101 with Realtor Coco Massara

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Fashion Statement Pieces I Want to Budget For Jul 22, 2024

Where are my fashion girlies at?! This one’s for you!

15 years ago, I didn’t budget or plan for anything.

I would buy a new outfit every week, in preparation for going out on the weekend.

I’m so happy to say those days are over!

I may buy new clothes 1-2x per year, and I always have a plan and budget for it.

As I’ve been perusing my closet, I’ve come across a few fashion statement pieces I want to invest in.

In this episode, I’m sharing the 5 fashion pieces I want to budget for and add as staples into my wardrobe.

Here's a glance at this episode:

[01:35] Raya shared how her bad spending habits on clothes added up over the years.
[03:53] Raya wants to invest in a quality trench coat but doesn’t want to spend years saving up for the right coat.
[06:30] Boots are high on Raya’s investment list! She shares some of the requirements she’s looking for in new boots.
[10:45] Raya wants to invest in a bold-colored pant suit. This can be used multiple ways by mixing and matching the pieces.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to episode 1 – Big City Spender to City Girl Saver

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

The 6 Things I Monitor in My Money Situation Jul 15, 2024

Over the years of budgeting and managing my money, I’ve come across a few key indicators of growth in my situation.

Now, I make it a point to monitor those indicators on a regular basis.

Tracking these specific indicators helps me quickly gauge if I’m making progress or trailing behind.

That information allows me to know if I should keep doing what I’m doing or switch things up.

In this episode, I’m sharing the 6 things I monitor in my money situation and why they make a difference for me.

Feel free to take any of the things I monitor and apply them to your own situation!

Here's a glance at this episode:

[01:32] It should come as no surprise that one of the things Raya monitors in her situation is her budget and its effectiveness.
[04:08] Raya breaks down the key things she looks for when monitoring her budget. This includes overspending, categories and more.
[07:12] While Raya is tracking her spending, she’s also looking at her budget. This gives her the information she needs to make changes.
[11:25] Raya tracks her account balances monthly, which has a direct impact on tracking her net worth.
[15:38] Because she tracks her budget, Raya can easily identify how much she saves towards her goals.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

2024 Mid-Year Personal and Business Goals Check In Jul 08, 2024

There was a point in my life where I would set big goals and not check-in on them.

I would keep them top of mind but only assess my progress once the goal time frame (typically one year) ended. Not anymore!

Now, I make it a point to assess my goal progress along the way.

This helps me course correct, make changes, or keep doing what’s working!

At the end of 2023, I shared my personal and business goals for 2024.

Now that we’re over the halfway mark of 2024, I want to share my progress! In this episode, I’m doing a mid-year personal and business goals check in!

I’m sharing my goal progress with you, in the hopes that you’re encouraged to do your own progress check.

Here's a glance at this episode:

[02:07] Raya shares her progress on some health and diet related goals she set for 2024, along with a recipe!
[05:25] Another goal for Raya is to max out her Roth IRA. She shares that she isn’t on track with this goal as of now, but has confidence it will be achieved.
[10:38] Another off-track goal is taking an international trip. While planning has started, it likely won’t be a trip that happens in 2024.
[13:40] Raya shares some events happening in the CGS community that can help reach the goal of 7500 Facebook Group members.
[16:25] While the business is not hitting a 50% increase in revenue, it is averaging 20%, which is still promising.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 105 – My Personal and Business Goals for 2024

Italian Sausage Spaghetti Recipe

Listen to CGS Podcast Episode 121 – How I Paid off My Dream Car

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Buying Your First Rental Property with Antonio Cucciniello Jul 01, 2024

Depending on where you are in your financial situation, buying your first rental property (or any property for that matter) may seem light years away.

I’ve got news for you. It may not be as far away as you think.

There’s a specific process behind purchasing your first rental property and using that property to create instant cash flow.

That’s why I’m so excited to have Antonio Cucciniello of Investarters on the show today to talk about that exact process.

If getting into the real estate investing game is on your wishlist, you don’t want to miss this discussion!

Here's a glance at this episode:

[06:24] Antonio shares how scared he was to invest in his first property, so he made sure it was a situation that would make him money.
[13:08] Antonio has worked his way up to owning 8 properties. He breaks down what led him to this point and what he learned along the way.
[19:37] There are a few specific things Antonio looks for when picking a rental property. He walks through his criteria.
[32:15] Antiono shares his thoughts on DTI (debt-to-income) ratios and advises to talk with a lender to understand more.
[44:10] Keep detailed bookkeeping of income and expenses that come from your rental property – it will save you a lot of time and money in the future.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Antonio on Instagram

Follow Antonio on TikTok

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

7 Bad Money Habits Keeping You Broke Jun 24, 2024

No one actually wants to live paycheck to paycheck, but they also don’t want to stop the habits that are keeping them in that vicious cycle.

When it comes to your money, the last thing you want to do is waste it!

Being fully aware of what bad habits are making or keeping you broke and working to fix them can help you better manage the money you do have.

In this episode, I’m sharing 7 bad habits keeping you broke so you can work to fix them!

Remember, when you know better, you can do better!

Here's a glance at this episode:

[02:33] Don’t have a budget? Grab a copy of Raya’s free Monthly Budget Overview Tracker
[05:22] Comparing your situation to what you see on someone else’s social media page is useless. It can also cause bad spending behavior.
[09:18] Focus on building up a short-term emergency fund. Save an amount that feels good to you and use it when something unexpected happens.
[14:14] Ignoring your debt is a habit that can keep you broke for much longer than you’d like. You must face the music!
[17:56] Gratitude is the starting point for shifting from a scarcity mindset to an abundance mindset.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Download the free Monthly Budget Overview Tracker

Let Raya create a budget plan for you!

Listen to CGS Podcast Episode 31 – How I Combat the Competition Mindset

Listen to CGS Podcast Episode 6 – How I Curbed My Desire to Spend

Listen to CGS Podcast Episode 35 – Breaking Free of Broke Once and For All

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How to Use Credit Cards to Fund Your Vacations Jun 17, 2024

Have you heard of the term “travel hacking”?

If not, you’re not alone.

I was introduced to the concept of travel hacking over two years ago by a Travel Rewards Coach who came on the podcast.

I was mesmerized – not only because I love to travel but because there’s a way to do it for free, essentially!

While I won’t be breaking down travel-hacking in detail, in this episode, I’m sharing how to use credit cards to fund your travel, almost like a beginner’s way to travel hack!

Once you have the starting point, you can always work your way up to more travel-hacking strategies!

Here's a glance at this episode:

[02:00] Use points from travel cards to book your travel. This is the easiest way to use credit cards to fund your vacations.
[05:15] Some companies have sales on points. Use this as an opportunity to stock up on points without spending money on other things.
[09:33] Use a credit card during your travel. Eventually, you’ll work your way up to more and more points to use for future travel.
[13:00] Looking for your first travel card? Google “the best travel credit cards” and compare your options.
[14:59] DO NOT CARRY A BALANCE. Travel hacking only works when you pay your credit card balance in full each month.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 12 – An Introduction to Travel Hacking

Listen to CGS Podcast Episode 30 – Vacation Planning on a Budget

Earn 185,000 Bonus Points with the American Express Bonvoy Card

Let Raya create a budget plan for you!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Ways to Take Your Savings Strategy Up a Notch Jun 10, 2024

While saving money just to save is better than not saving any money at all, you could be missing out on opportunities to maximize your savings efforts.

When it comes to saving money, you’ll want to implement a strategy that sets you up for success.

You may already have that strategy, or it may need to be tweaked.

In this episode, I’m sharing 5 ways you can take your savings strategy up a notch and guarantee yourself the best results with your money-saving efforts.

Here's a glance at this episode:

[02:35] Naming your savings account to match the goal you’re saving for, you’re more encouraged to avoid spending that money.
[06:29] Depending on what you’re saving for and how long it will take to reach that goal, you may want a specific type of account as you save for that goal.
[10:14] High Yield Savings Accounts are great options for saving for any type of goal because you’ll earn more interest than with a regular savings account.
[13:54] As you make progress towards your savings goals, make sure you reward yourself for wins along the way.
[16:45] It’s so easy to want to do everything at once, but you could be spreading your resources too thin and delaying your progress.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 76 – Breaking Down My Savings Accounts and Strategies

Let Raya create a budget plan for you!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Budgeting Multiple Six Figures with CGS Client Rachel Jun 03, 2024

While making a lot of money may seem like the answer to your problems, if you’re not managing it well, you won’t have anything to show for it.

Just ask my friend and City Girl Savings client Rachel.

When Rachel and I first started working together in January 2021, she was making well-over six figures but didn’t have a clue about where it was going.

Fast forward 3 years later and Rachel is making more than ever, saving, and investing more than ever and doing it all with a solid budget plan.

In this episode, Rachel and I are discussing how growing and budgeting your income, whether you’re making six-figures or not, can completely transform your life and finances.

Here's a glance at this episode:

[03:20] Rachel shares that she grew up in a single-parent home and described money as being tight and not talked about much.
[09:45] Even with making a good salary, Rachel feared looking at her bank app. She would avoid looking at the balance, especially after paying bills.
[17:00] Having Raya make a budget for Rachel allowed Rachel to release some pressure and focus on sticking to the budget that was designed for her.
[32:45] While Rachel doesn’t fully support “job-hopping”, she does agree that major salary increases come from a new role (whether in the same company or a new company).
[42:18] Some days you’re going to give a little more to work. Other days you can give a little more to your family. It will never be perfect.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Join the City Girl Savings Facebook Group

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Subscribe to the City Girl Savings Newsletter!

Simplify Your Money Situation in 6 Steps May 27, 2024

As hard as it may be for you to believe, money doesn’t have to be complicated.

Sure, there are complexities with anyone’s money situation, but there are always opportunities to simplify.

Don’t make things more complicated than they need to be, especially your money!

Wherever you can simplify and reduce complexity with your money, take full advantage.

Not sure where to start?

In this episode, I’m sharing a few ways you can simplify your money situation and keep things as simple as possible.

The easier you make things in your finances, the more brain power you can give to working on your financial goals!

Here's a glance at this episode:

[02:27] You should always know where your money accounts are and where you stand with those accounts.
[05:03] Include automation in your money situation. Automate your savings, direct deposit, or retirement contributions.
[07:45] Find a budgeting method that works for you. Raya walks through the 50-30-20 budget rule, which could be helpful for budget newbies.
[12:01] Spreading your resources across multiple goals may slow your progress towards all your goals. Focus on 1-2 goals at a time.
[15:17] Functioning in the negative with your income and spending is a recipe for disaster. Focus on breaking even every month, at minimum.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 21 – Setting Up Your Own Financial Filing System

Let Raya create a budget plan for you!

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Tips to Help You Organize Your Finances May 20, 2024

There’s nothing like an organized life.

I’m talking about an organized home, an organized office, organized finances, and overall organization as a part of your everyday life.

We’ve all been exposed to clutter and can instantly feel the effects.

I know I’ve walked into my house after a long day at work and after seeing a mess everywhere, my mood instantly tanks.

The same can be said for cluttered finances. When your finances are disorganized, you feel the weight of it on your mental shoulders.

In this episode, I’m sharing 6 tips to help you organize your finances so let’s make it a point to get organized once and for all!

Here's a glance at this episode:

[02:15] One of the best ways to organize your finances is to create a budget plan. Raya breaks down what your budget needs to be successful.
[05:55] Apps can be helpful for tracking your spending, just make sure your app is categorizing your spending appropriately.
[11:52] Create a repository for all your accounts. This will help you keep track of everything in one place and stay organized.
[15:10] Get your estate affairs in order now, regardless of if you have kids or not. Simply adding a beneficiary to your accounts could make a huge difference.
[19:19] Something saved is better than nothing, when you’re just getting started. A great goal could be setting up automatic savings transfers.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to CGS Podcast Episode 21 – Setting Up Your Own Financial Filing System

Grab your free Monthly Budget Overview Tracker

Listen to CGS Podcast Episode 47 – Estate Planning for Millennials

Get your copy of The Richest Man in Babylon

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Life Lessons I Learned from My Mom May 13, 2024

Good or bad, we learn so much from our parents.

Whether we end up being just like them or the opposite, there’s no doubt that our parental interactions shape who we are as adults.

In honor of Mother’s Day and this one being the first one I celebrate without my mom, I wanted to take the time to share some of the biggest life lessons I’ve learned from her.

In this episode I’m sharing the most impactful life lessons learned from my mom.

I was lucky enough to be blessed with two amazing parents who just happened to leave my life earlier than I would have wanted.

Here's a glance at this episode:

[02:04] Raya’s mom lost her parents early in life also. Raya shares a little background on how her mom grew up and lost her parents.
[06:12] Even though Raya’s mom was struggling with a terminal illness, she never complained or had bouts of negativity. She was a true warrior.
[11:00] Raya shares a memory of her mom taking control of her weight. She got herself on a diet and was able to lose a lot of weight through consistency.
[15:55] Growing up, Raya and her brother heard “no” a lot from their mom. Raya’s mom was never afraid to say no to buying things they didn’t need.
[19:05] Raya’s mom didn’t need to worry about money or finances later in life. She had what she needed to cover everything throughout her health battle.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Motherhood and Money with Sahirenys Pierce of Poised May 06, 2024

Managing finances for a single person is hard enough, so you can imagine how managing finances for a household is an even bigger feat!

While I’m currently a household of 2, my boyfriend and I – as our pups have no financial skin in the game, I’m very excited to chat with fellow CSUN alumni Sahirenys Pierce of Poised, who manages a household of 4.

We’re talking all things motherhood, money and managing it all with poise!

Get ready for some amazing insight into managing money in your partnership, having family “all hands” meetings and so much more!

Here's a glance at this episode:

[04:00] Sahirenys opens up about her parents’ struggle with finances, which ultimately lead to their family home being foreclosed on.
[11:16] For people just getting started with money management, Sahirenys breaks down her “High-5 Banking Method”.
[19:32] Having money conversations with your partner isn’t always easy. Sahirenys shares an awkward money conversation with her then-Fiancé.
[29:25] Sahirenys shares how she and her husband got on board with meal planning, and remixing it to work for them.
[44:04] Keep your focus on a minimal number of goals at a time, so you can ensure you reach every goal you set.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Sahirenys on Instagram

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Financial Wellness Check: 10 Things to Have in Place Apr 29, 2024

According to a MarketWatch report, about 49% of Americans are “concerned, anxious or fearful about their current financial wellbeing”.

For a money coach like me, that’s alarming!

The reality is that everyone can have peace in their finances. And that’s where financial wellness comes into play!

Financial wellness is caring for the wellbeing of your personal finances.

It all starts with knowing what to prioritize!

In this episode, I’m sharing how you can complete your own financial wellness check by making sure you have 10 specific things in place.

Here's a glance at this episode:

[02:15] Know your situation – this is the first item on your Financial Wellness Check because if you don’t know where you are, you don’t know where to go next.
[05:04] A budget that factors in your priorities is a true game-changer. Raya breaks down how to allocate your money accordingly.
[08:28] There is no better return on your investment than investing in the stock market, ideally through contributing to a retirement plan.
[11:43] You don’t just want to know your credit score; you want to know what’s reported about you in your physical credit report.
[15:14] Setting goals can improve your financial wellness because it gives you something to work towards.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 80 – 8 Things Everyone Should Be Saving For

Let Raya create your custom budget plan

Pull your credit reports from www.annualcreditreport.com

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Reasons Not to Blame Yourself for Past Money Mistakes Apr 22, 2024

No one is perfect with money. Let me say that again for the folks in the back: no one is perfect with money!

We all make mistakes in finances and in life, but mistakes are how we learn, grow, and improve.

Mistakes help us know what not to do in the future. Mistakes can flip the script and change the course of our lives.

In this episode, I’m sharing 5 reasons why you should stop blaming yourself for your past money mistakes, and how you can leverage your mistakes and experiences to move forward and come out on top.

Here's a glance at this episode:

[01:55] If you have made mistakes with money, you’re not alone. Raya has been there and shares that if she can turn things around, you can too!
[03:40] What good does it do to blame yourself for something you can’t change? The past is in the past, so learn to let it be.
[06:28] Raya made the mistake of getting into credit card debt. Then, after paying her debt off she made the mistake of not addressing the real reason she got into debt.
[10:00] All of your money mistakes have led you to this point right here – listening to this podcast episode.
[13:15] It’s okay to be a work in progress. We’re all learning, growing and improving…or at least we all should be!

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 101 – Adversity Breeds Resilience

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Financial Education versus Financial Experiences Apr 15, 2024

My degree is in finance, but it wasn’t until I had learned from terrible money experiences that things started to improve.

Seriously, from 18-21, I was going to class every day, learning about money and finance and analysis, but after school, I was out spending money and accumulating debt.

I was not implementing a drop of what I’d learned and in hindsight, I’ve realized that there is so much more to money than knowing what to do with it.

Our thoughts, experiences, influences, and society all play a role.

In this episode, I’m sharing why you don’t need a formal education in finance to become financially independent.

I’m also sharing how financial experiences can mold a life of financial security.

Here's a glance at this episode:

[02:31] Raya shares her early experiences with money as a child and her perspective on how things were covered back then.
[04:57] A money belief that Raya absorbed early on was that if you go to work every day you will come home and have what you need.
[07:45] The money principles Raya learned before college went out the drain when she got to college and had access to credit cards.
[11:25] Raya learned the importance of paying her bills on time but only because she almost faced eviction for failing to pay rent on time.
[14:41] 9 years after starting City Girl Savings, most of what Raya learns is through financial experiences compared to financial education.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 1 – Big City Spender to City Girl Saver

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How I Paid Off My Dream Car (Lexus RX350) Apr 08, 2024

I paid off my dream car! OMG!

It was one of my goals for 2024 and I got it done first thing.

Mostly because I was so close to being done with the loan (I had about a year and a half left) and because I wanted to add my car payment back into my budget for 2024.

So, I got it done!

In this episode, I’m sharing how I was able to purchase my dream car (the Lexus RX350) brand new and pay it off early.

I also want to give you a little background on my history with cars.

Here's a glance at this episode:

[02:37] Raya shares the story of her first car and how she got caught driving it a few days before her 16th birthday.
[05:35] Certain signs that are ignored will keep coming back, bigger and bigger. This happened to Raya when she got her first car. It didn’t end well.
[10:17] Raya didn’t have a car her first year of college while living in LA. She had to hitch rides or learn to stay home.
[16:11] Raya shares her decision to go look at her dream car at the Lexus dealership. It was to serve as motivation as she worked and saved.
[19:35] Raya explains that adding in a $1000/month car payment into her budget wasn’t as easy as she’d thought it would be.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Raya’s Lexus Post on Instagram

Listen to Episode 1 – Big City Spender to City Girl Saver

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Focusing on Your Finances with Aunt Kara Apr 01, 2024

April is Financial Literacy month, and what better way to kick off this month than by putting all the focus on your finances!

Whether you’re just dipping your toes in the money management waters, you’re seasoned at making (and spending) money or you’re ready to tackle your financial situation head on, there’s no better time than right now!

And to help, I’m bringing Kara (also known as “Aunt Kara”) on the show today to talk about how to keep the focus on your finances, especially when the temptation to spend seems too high.

Get ready to be inspired and encouraged to make better money decisions, from here on out!

Here's a glance at this episode:

[04:00] “Aunt Kara” started as Kara answering money questions for her nieces and nephews and then expanding to share those answers on Instagram.
[12:06] Kara recalls having specific money conversations with her parents when she was little. They shared with her saving for retirement and paying off their mortgage.
[19:20] Setting milestones that can be achieved on the way to your long-term goals as a couple can help you work together and stay motivated.
[32:45] Kara shares the intentional decision she made with her job/company to stay put. She determined she is happy where she is and has no desire to continue to move up.
[43:37] To win the game of travel hacking, you must be able to manage your credit card payments. Paying interest is a losing battle.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Kara on Instagram

Watch Kara’s Free Points and Miles Course

Learn more about Kara

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How I Grew My Business While Working Full Time in Corporate Mar 25, 2024

City Girl Savings launched January 1st 2015, but I didn’t end up going full-time until May of 2021.

That’s nearly 6 and a half years where I was working in corporate while trying to grow this business.

As I say that, I wonder how I got it done and still found time to travel, see friends and family, and focus on my health.

It wasn’t easy, but it was worth it.

In this episode, I’m sharing how I grew the City Girl Savings business while working full time in corporate America.

Some things worked well, others not so much.

Here's a glance at this episode:

[02:35] Raya shares how she was offered a remote job, in order to keep working for the company she was with when her father passed away.
[06:30] The corporate job was always top priority, because it was how the bills were being paid. Raya treated it as such.
[11:01] Once Raya decided she wanted to run City Girl Savings full-time, she began to act accordingly. This led to her experiencing the power of manifestation.
[16:32] Raya shares how she couldn’t even enjoy vacation. She discusses how she reached a point of burnout and the impact it had.
[22:39] Raya gets raw and real when sharing how she went about leaving a company that had been with her for nearly one-third of her life.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 1 – Big City Spender to City Girl Saver

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Smart Ways to Leverage Extra Money Mar 18, 2024

You were blessed with extra money – how exciting!

Maybe it was an unexpected bonus, commission check or tax refund.

However the extra money came your way, you want to be smart with it.

I don’t know about you, but extra money doesn’t always fall into my lap, so when it does, I plan to make the most of it.

In this episode, I’m sharing 5 smart ways you can leverage extra money that comes your way.

Use this extra money as an opportunity to level up your situation!

Here's a glance at this episode:

[01:35] At the end of the day, anything extra is something to be grateful for. Having that grateful mindset will take you far in your finances.
[04:00] It’s not fun, but using extra money to knock out debt will help you save so much money, especially if you’re charged interest.
[07:44] You should have your savings in a High Yield Savings Account. Raya shares how to learn about her own savings account strategies.
[12:10] Working with a coach or a trainer is not the only way to invest in your success. There are a variety of ways you can use your money to level up.
[15:55] If you decide to loan people money, make sure it’s actually helping and not hurting.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 76 – My Savings Accounts and Strategies

CGS Blog Article – Breaking Down My Savings Accounts and Strategies

Listen to Episode 71 – 7 Ways to Invest in Your Personal Success

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Signs You’re Ready to Start Investing Mar 11, 2024

There’s no denying that investing is one of the best ways to build true wealth.

You can save money your entire life, but nothing beats the power of compounding interest returns that come through investing.

Seriously, I’m talking about historical returns of 10%, regardless of federal interest rates.

So, it’s no longer a matter of should you or shouldn’t you invest but are you ready to start investing.

In this episode, I’m sharing 6 signs you’re ready to take your finances to the next level and start investing.

Even if it’s on a small scale, the power of investing is unmatched.

Here's a glance at this episode:

[01:45] Raya shares how a 25-year-old can become a millionaire at retirement by contributing $300/month to a retirement plan.
[05:45] Have a plan in place to pay off your debt or pay it off completely before you aggressively start to invest.
[09:34] Not sure if you’re contributing to a retirement plan? Check your pay stubs! You can also contact your HR department.
[14:21] Having a “Build Wealth” goal is a great place to start when it comes to investing, especially if you’re unsure of what your long-term goals are.
[18:19] Just like any other subject, the more you familiarize yourself with investing, the more comfortable you will become with it.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Grab a copy of my free Debt Repayment Checklist

CGS Blog Article – How to Research Your 401k Investment Options

Listen to Episode 107 – Adding Investing to Your Money Goals

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Mindset Shifts to Level Up Your Career with Eliana Goldstein Mar 04, 2024

If I’m being honest, working my way up the corporate ladder was exciting and a major confidence boost.

If I didn’t feel that City Girl Savings was my life’s purpose, I would’ve happily stayed at the major financial institution I was working for and continued to work my way up.

I’ve always been a reliable, dependable worker, but once my mindset shifted to the value I brought to the table, that’s when the growth started happening fast.

That’s why I’m so excited to talk with millennial career coach Eliana Goldstein about the mindset shifts everyone needs to take their careers to the next level.

If you’re working your way up the career chain, this is for you!

Here's a glance at this episode:

[04:17] Eliana shares how she got certified and started coaching as a side hustle while she was still working in corporate.
[06:51] Not sure what you want to do? Eliana shares some questions to ask to help you reflect and pinpoint what your next move could be.
[20:58] Negotiating is not as complicated as people think it is. The trick is to manage your thoughts and emotions while you’re in the process of negotiating.
[33:15] Never tell a company that you are in the search for a job, especially if your job security could be in jeopardy.
[39:16] There is an emphasis on working more as you grow in corporate. Certain industries are worse than others.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Eliana on Instagram

Use code CGS100 for $100 off Eliana’s Career Upgrade course!

Learn more about Eliana

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Intentional Spending Ideas to Feel Fulfilled Feb 26, 2024

Money doesn’t buy happiness. I firmly believe that. But, I also believe that money buys you options…and having the option is what breeds happiness.

Having the option to take a trip, bless a family member, leave your job, start a family, and so much more. Money makes those things easier.

Money allows you to have more and more options.

Now, while I don’t think money buys happiness, I do think there are certain things you can spend your money on and feel genuinely fulfilled.

In this episode, I’m sharing a few intentional spending ideas that will leave you feeling fulfilled and happy as a clam!

Let me add that you may not be in a position to spend your money on these things now, but definitely keep them in your back pocket for the future.

Here's a glance at this episode:

[02:10] There are so many ways you can donate, and it doesn’t have to just be money. This can leave you feeling incredibly fulfilled.
[04:20] The memories and experiences that come with traveling can stay with you forever, making the cost of the trip fulfilling.
[07:20] The foods I consume directly impact my health. Because of this, I can’t get cheap with spending money on healthy foods.
[11:43] Starting a business isn’t for everyone. However, if it’s something that you’ve wanted to do, it’s a great way to spend money in a fulfilling way.
[13:59] When you’re in a position to help others, financially or not, it leaves you feeling empowered and fulfilled.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 70 – My Budget Non-Negotiables

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

7 Reasons to Start Journaling and Prompts to Get You Started Feb 19, 2024

I started consistently journaling back in 2018.

The benefits that have come over time through consistent journaling are truly amazing.

I eventually was able to quit my corporate job and run City Girl Savings full-time.

I was able to see the growth in my thought patterns over time. I’m able to look back on old journal entries and feel pride and gratitude.

Because journaling has brought so many blessings into my life, I’m now an advocate of the practice.

In this episode, I’m sharing 7 reasons to start journaling on a regular basis as well as a few journal prompts to get you started!

Here's a glance at this episode:

[01:48] The more you journal, the more you learn about yourself. The more you learn about yourself, the more self-aware you become.
[04:10] Raya recalls a time where journaling helped avoid a major fight with her partner. Had she not journaled and acted on her feelings, bad things could have happened.
[09:50] Journaling can help keep your goals top of mind. This can result in you taking actions that help you reach the goal.
[13:30] Raya shares a snippet from an old journal entry back in 2020 to showcase how memories can be invoked through journaling.
[16:22] Need some help getting started? Raya shares 3 different journal prompts that can help you begin your new journaling routine.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 58 – My Daily Morning Routine for Boosting Productivity

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How I Protect My Peace and Why It’s So Important Feb 12, 2024

As I’ve gotten older, I realize there’s nothing more important than my peace…and protecting it at all costs.

I used to spend time with people who thrived on gossip and drama, until I realized how much of my personal energy that time cost me.

Now, I limit my time and interaction with people, places and things that drain my energy. I also set firm boundaries on protecting my mental wellbeing, and while it’s not always easy, it does get better over time.

In this episode, I’m sharing the different ways I’ve come to learn to protect my peace and how it’s made a huge difference in my life.

If you’re struggling to set boundaries, preserve your energy or protect your peace, hopefully some of my strategies and experiences can help you!

Here's a glance at this episode:

[02:34] Raya shares her experiences with specific people and the energy drain that took place because of being around those people.
[06:00] Setting boundaries can lead to guilt. Raya shares how she checks herself when starting to feel guilty for protecting her peace.
[11:31] Journaling has been a powerful practice to help set the tone for Raya’s day. She uses it to release feelings of stress, anxiety or excitement.
[15:30] Raya spent a lot of time in nature when her mom was sick. This has now become a morning routine to promote serenity.
[18:15] Leave other people’s problems and struggles at the door. Raya tries to avoid taking home the weight of other people’s problems.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Recommended Read – The Celestine Prophecy

Listen to Episode 58 – My Daily Morning Routine for Boosting Productivity

Recommended Read – Discerning the Voice of God

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How to Heal Your Past and Unlock Your Potential with Asia Hilario Feb 05, 2024

One thing I’ve learned over time is that ignoring your past traumatic experiences and running from the feelings gets you nowhere.

Acknowledging your inner child and revisiting your past, as hard as it is, is a necessary step in loving yourself and living your best, happiest life.

Self-Love Coach turned Business Mindset Coach Asia Hilario is joining us on the show today to help teach you how to heal from your past traumas and unlock your future potential.

Asia and I go deep with our discussion on thought control, self-sabotage, self-awareness and so much more.

If you’re ready to step into the woman you were always meant to be, you don’t want to miss this episode!

Here's a glance at this episode:

[03:15] Asia created a blog talking about her journey to self-healing and it led to so many amazing accolades and opportunities.
[14:23] Your reaction to how people treat you can say a lot about your own insecurities. Listen to your thoughts and watch your reactions.
[27:21] Self-sabotage can happen in many ways. Asia explains how to keep an eye out for the behaviors that are self-sabotaging.
[36:00] Operating from a place of scarcity means you have the opinion that there’s not enough to go around.
[42:40] Asia learned that storytelling is her superpower. When she shares her stories, people are impacted in a way she never thought possible.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Asia on Instagram

Asia’s Self-Sabotage Course

Learn more about Asia

Download the Free Money Mindset Worksheet

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Money Moves to Start Implementing Now Jan 29, 2024

The time is now to build the life of your dreams!

We’re living in a time where women are making more, out-earning their partners, investing for the long-term and building true wealth.

It’s a wonderful time to be a woman making money, but with the lack of financial education growing up, it’s up to us to bridge the knowledge gap.

When it comes to budgeting and money management, certain activities are guaranteed to set you up for long-term success.

In this episode, I’m sharing 6 money moves you can start implementing now to get the ball rolling on your financial success.

Here's a glance at this episode:

[02:20] The first of the money moves to start implementing now is saving for retirement. This is one of the best ways to build long term wealth.

[05:11] Before you start investing, you’ll want to have a few things in place – paying down high interest debt and saving for emergencies.

[11:05] Money mindset is a critical part of financial success. Raya breaks down why you past is so important and shares a resource to help.
[13:50] Commit to doing what it takes to reach your goals. Be okay with sacrifice, discipline and saying no…temporarily.
[16:00] Be open with your friends, family, and partner about being on a budget. You may be surprised with the accountability you get.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 107 – Adding Investing to Your Money Goals with Marc Russell

Listen to Episode 1 – Big City Spender to City Girl Saver

Download the Free Money Mindset Worksheet

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

5 Ways a Type A Personality Stays Organized Jan 22, 2024

“Hi, I’m Raya and I’m a recovering structure addict”.

Like most Type A individuals, I thrive on structure, organization, and time-specific tasks.

Unfortunately, my need for structure got so bad that I started dreading quality time with friends and family.

Thankfully, I’ve found ways to stay organized that suit my personality, but those ways are no longer at the expense of anyone or anything!

In this episode, I’m sharing 5 ways a Type A personality (AKA Me) stays organized and sane.

If you struggle with this, hopefully my tips and resources can help!

Here's a glance at this episode:

[02:02] There was a point in time where dinner out with her besties felt like a chore to Raya. She knew things had to change.

[05:26] One of the great things about Asana is that you can color-code your tasks to help categorize everything that needs to get done.

[08:25] Not only does OneNote help Raya identify her tasks for the day, but it includes the goals she’s working on, so they’re always front and center.
[13:05] Raya batches tasks like recording podcast episodes and writing blog articles, to help her manage her time more effectively.
[17:57] Learning how to say “yes” to things that are non-work related has helped Raya utilize her time for things outside of just work and business.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Raya Recommends: Task Management Tool Asana

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

The Major Signs You Need Help Managing Your Money Jan 15, 2024

Let’s be real. Finances are still a very personal topic.

While we’ve made strides towards having open money conversations, we have a long way to go.

Since financial literacy isn’t included in standard education curriculum, you can’t blame yourself for not being great with money.

You likely learned a lot of your habits from your parents. And that may not be a good thing.

In this episode, I’m sharing some major signs you need help managing your money.

If any of these signs apply to your situation, acknowledge them, and take action. Ignoring the signs will only delay your progress.

Here's a glance at this episode:

[01:48] With the rise of social media, we have inside scoop into how the wealthy (and un-wealthy) spend their dollars, causing feelings of inadequacy.

[06:06] Even $25 a paycheck being saved can help you break free of living paycheck to paycheck. Small steps add up over time.

[11:02] Did you know Raya creates budget plans? If you don’t have a budget, you need one! Raya shares how you can get started with one.
[17:07] One of the biggest signs you need help managing your money is if you don’t have a budget. A budget is the number one tool for success with your finances.
[22:50] When you invest in working with a coach or other professional, you have skin in the game. This is usually what helps you get the results.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Raya Recommends: The Richest Man in Babylon

Let Raya create a budget plan for you!

Listen to Episode 15 – My Debt Free Story and the Biggest Takeaways

Listen to Episode 84 – Why You Need to Pay to Get Better with Money

Learn about Raya’s Financial Focus Coaching Program

Need help with your finances? Request a call with Raya!

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Next Level Habits I’m Adding to My Life Jan 08, 2024

Have you ever felt like you’re on the verge of breaking through to the next level?

Almost as if you’ve mastered everything you can master at this point in your life and to move forward, you must grow in new and different ways?

Well, I’m in that spot right now.

I feel like I’m at the cusp of a new level and to enter it, I need to let go of things that no longer serve me and start new habits and routines that will foster my growth at the next level.

So, after giving it a lot of thought, I’ve determined the 6 habits and routines I’m adding to my life to help me become my next-level self.

In this episode, I’m sharing the 6 next-level habits I’m adding to my life to help me level up!

Here's a glance at this episode:

[02:25] Raya shares an important realization – the habits that she plans to implement may only serve her for a point in time…and that’s okay.

[05:41] While Raya read more books in 2023, she watched TV more than she read books. Can you relate? Listen as she shares why this won’t be the case in 2024.

[10:18] Raya realized that how she dressed everyday had a huge impact on how she felt. Now, she vows to let go of the yoga pants and sweatshirts!
[16:20] Having 2-3 dedicated call days every week will help Raya spend time focusing on her clients, as well as time focusing on growing the business.
[20:30] Raya plans to not only track her goal progress (per usual), but will dedicate time to thinking about what the data is showing.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 105 – My Personal and Business Goals for 2024

Check out Sydney Cummings Houdyshell on YouTube!

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Adding Investing to Your Money Goals with Marc Russell of BetterWallet Jan 01, 2024

It’s 2024 and if you haven’t started investing, in any way, shape or form, then let’s make this year the year you add investing to your money goals!

While there are a variety of ways to build wealth, I firmly believe that long-term investing is one of the best ways to do it.

Whether it’s contributing to a retirement plan or leveraging a general investment account, consistent investing is a must.

That’s why I’m so excited to talk with Marc Russell of BetterWallet today about how you can add investing to your money goals.

Get ready to take your finances up a notch this year!

Here's a glance at this episode:

[03:42] Marc shares his experience with joining the team at Vanguard. Marc shares why they were an advocate for him and his goals.

[09:40] Marc breaks down the differences between a financial coach and a financial advisor and gives insight into when someone may be ready to work with a financial advisor.

[17:57] Get an easy-to-understand overview of investing and why it’s a much better approach for your money than saving with a bank.
[27:30] It’s easy to get overwhelmed with all of the investment options that are available. When you decide on what’s best for you, stick with those options and see them through.
[38:05] Marc shares a few of his favorite investment and brokerage platforms and what people should be looking for when deciding on a brokerage company.
[49:29] Marc is working to set up a scholarship fund to help people financially cover the costs of higher education.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Follow Marc on Instagram

Get Marc’s Investing Guide

Check out Marc’s free investing class for your kids

Check out the BetterWallet

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Christmas as a Money Coach: What I Give and Ask For Dec 25, 2023

Happy Holidays!

Have you ever wondered what a money coach gives and asks for Christmas?

Well, you’ll learn today! While I love every holiday following the Fall season, Christmas holds a special place in my heart.

Growing up, it was a time of the year that brought so much joy – not because of the gifts, but just the energy from that time of year.

I would sit at home, alone, watching Christmas cartoons, just sitting next to the lit-up Christmas tree and would feel pure bliss.

As an adult, I still feel bliss sitting next to the tree!

In this episode, I’m sharing what Christmas is like as a money coach – the things I give and what I usually ask for.

Here's a glance at this episode:

[01:35] If you’re listening to the episode right when it airs, then Merry Christmas! Raya is wishing you a wonderful holiday season!

[03:37] As Raya got older, she started putting more thought into the gifts she would give. The focus would be on things people needed or that reminded her of them.

[06:03] There was a time, specifically college years, where Raya would constantly exceed her spending limit for Christmas, but mostly on buying herself material things.
[09:04] A rule of thumb in Raya’s family for spending money on Christmas gifts is to stay within $100 per person for gifts.
[11:33] Raya always asks for Starbucks gift cards for Christmas, because it’s money well spent and will help her stick to the budget during the start of the year.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

My Personal and Business Goals for 2024 Dec 18, 2023

You may remember I did an episode at the end of 2022, sharing my personal and business goals for 2023.

I got such great feedback on that episode, that I decided to do another one sharing my 2024 goals!\

As you probably know, during the last quarter of every year, I like to sit down and set my personal and business goals for the next year.

I usually reflect on the progress of my current goals and that lets me identify what I need to tweak for the new goals I plan to set.

I don’t always reach every goal I set, and sometimes I exceed my goals.

But what never stops is me setting or working towards goals.

In this episode, I’m sharing my personal and business goals for 2024. I’m also giving you an update on my 2023 goals!

Here's a glance at this episode:

[02:31] Before sharing her goals for 2024, Raya breaks down the progress she’s made on her 2023 personal and business goals.

[06:49] One goal Raya has for 2024 is to walk 10,000 steps per day Monday through Friday and to incorporate a high-fiber diet every weekday.

[10:51] Although Raya’s auto loan interest rate is 0%, Raya has a personal goal of paying her car off before the 2024 year ends.
[13:35] Following in last year’s footsteps. City Girl Savings has a goal of hitting 10,000 newsletter subscribers for the 2024 year.
[16:00] 2023 was a heavy year for Raya. The focus for 2024 is to work hard but to not lose sight of her mental health along the way.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 82 – Mid-Year Personal and Business Goals Check In

Struggling with your finances? Request a call with me (and get a budget)!

5 Signs You Shouldn't Be as Broke As You Are Dec 11, 2023

While the statistics vary, it’s believed that 55 to 63 percent of Americans are living paycheck to paycheck.

Plus, One-third of U.S. consumers say they aren’t currently saving any money and, of this group, 60 percent don’t have savings.

This is a problem.

Over half of our country is struggling to get by.

Not to mention, if an emergency were to come up, the majority would be S.O.L! You may fall into these statistics, but should you?

In this episode, I’m sharing five signs you shouldn’t be as broke as you are. If any of the signs apply to you, you’ll learn a few steps you can take to improve your situation.

Here's a glance at this episode:

[01:45] Raya kicks off the episode by answering a City Girl Solutions question asking her what she does for fun.

[04:48] If you have to pick and choose which bills get paid each month, your focus should be on bringing in more money or cutting back any non-necessary spending.

[09:04] Emergencies don’t happen on our timeline. They will typically pop up at the most inconvenient time, so having a savings account in place will help to ease the mental and financial burden.
[13:59] You get to decide if you want to keep doing what you’re doing or if you want to change your behaviors.
[19:04] If you live paycheck to paycheck but don’t have a budget plan – that’s a huge problem that needs to be fixed.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 3 – Breaking Through the Stigma of Budgeting

Learn about Raya’s Money Coaching Program

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

Creating Your Brand, Content and More with Milou Pietersz Dec 04, 2023

Brands aren’t just for businesses and business owners.

We all have a personal brand.

Whether we work for ourselves, work for a company, or don’t work at all, our personal brand exists.

So, the question becomes, what do you want people to think of when they hear your name?

If you don’t know the answer or you want to change your current personal brand, this episode is for you!

Today, I’m chatting with brand marketing strategist and founder of the boutique marketing agency Simply MultiMedia Milou Pietersz.

Milou and I are going to talk about all things branding, content and more!

Here's a glance at this episode:

[04:10] Milou shares more details about her company Simply Multimedia, including how they recently went through a company rebrand.

[12:48] As you shift your message and/or brand (whether it’s personal for business), you may lose people along the way. That’s a good thing.

[22:20] Milou reflects back on when she started her YouTube channel – sharing that it was such a humbling experience to see her original videos.
[33:00] Milou recommends “long form content” for business owners who are struggling with their marketing efforts.
[39:38] If you are consistent with your content and you have the right message, it may take time but you will have that slow and steady growth.
[43:08] Raya shares why she worked corporate and grew City Girl Savings for over 6 years and what she learned from that experience.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Milou on Instagram

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

6 Ways Gratitude Leads to a Richer Life Nov 27, 2023

If you practice gratitude on a regular basis, then you know that things will always be okay.

No matter how bad something is, there’s this light at the end of the tunnel.

You appreciate the good times, you learn from the bad times, and you stay humble.

It’s a magical thing.

If you don’t practice gratitude on a regular basis, you may find that things always seem bad.

Nothing ever seems to go right. Nothing goes according to plan.

There’s a solution: gratitude.

In this episode, I’m sharing 6 ways gratitude leads to a richer life and how you can start practicing gratitude ASAP!

Have you ever noticed that when you focus on the positive, more positive things seem to happen? On the flip side, when you focus on the negative, more negative things seem to happen. Almost as if what you focus on becomes your reality.

Well, the mind is a powerful tool. When you practice gratitude, you’re almost forced to look at the positive. The more you focus on it, the more positive things there are to find.

If you’re not sure how to go about practicing gratitude, start by writing down 5 things you’re grateful for everyday! They can be the same things, new things, small things or big things!

As you become consistent, you’ll notice your natural state of thinking will be to show appreciation for things that happen to you.

Here's a glance at this episode:

[02:20] Gratitude allows you to see the good in your life. When you practice gratitude, it forces you to think about the things you’re grateful for.

[06:04] When you start to see the positive on a daily basis, because you practice gratitude, you naturally become a more-positive person.

[10:09] One thing Raya is grateful for about herself is that she does what she says she’s going to do. She holds true to her word – with herself and her others.
[12:47] If you’re just starting out with practicing gratitude, keep it simple! Start by listing out 5 things you’re grateful for every day.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 4 – Why Mindset is Critical and How to Start Improving It

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

Adversity Breeds Resilience: How I Handle Hard Times Nov 20, 2023

Just 3 months before you’re listening to this episode, my sweet, kind, genuine mom, my last parent passed away.

She had been terminally ill for years and it finally took her.

10 years before that, my dad was killed by a drunk driver at 4 in the afternoon on a road he’d driven on just about daily for 25 years.

Those are two of the worst things that have ever happened to me.

And unfortunately, there were a lot of hard things that happened in between.

But you know what? I’m still standing.

In this episode, I’m sharing why I 100% believe that adversity breeds resilience and how I have been able to get through some of the worst times of my life.

My hope is that this episode encourages you to keep on keeping on, even through your worst times.

Not every day is easy, but here are a few things that have helped me when going through my most challenging times:

Walking to the sunrise every morning
Daily Devotionals, especially on grief and challenging times
Listening to meditations and higher-power messages (I really liked this one)
Journaling my thoughts and feelings
Letting those close to me know when I'm having sad days

If you're going through hard times, I'm praying for courage to power through, wisdom to know there's something good on the other side, and grace to allow yourself to get through the best you can.

Here's a glance at this episode:

[02:20] We can choose to give in to the hard times, or we can choose to power through. Not everyday has to be perfect, but every day we get to choose.

[05:35] You can triumph in tragedy. Raya shares how the passing of her father opened the door for City Girl Savings to become a reality.

[09:27] Staying positive is SO much easier said than done. But, Raya is saying it anyway. Staying positive can make or break an already-trying time.
[13:37] Raya shares some of the things that helped her get through some of her most challenging times.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

Celebrating 100 Episodes: Raya's Favorite Episode Roundup Nov 13, 2023

O.M.G! I can’t believe we’ve reached 100 episodes of the City Girl Savings podcast!

First off, where does the time go?! Second, I’m so glad I bit the bullet and decided to launch the podcast in January of 2022.

I had been contemplating a podcast for a long time, but the timing never felt right. I knew that if I was going to commit to showing up every week, I had to be in a space to do it.

So, when I took City Girl Savings full-time in May of 2021, the podcast felt like the right next step. 100 episodes and nearly 2 years later, I know I made the right choice.

To celebrate 100 episodes, I’m sharing my all-time 10 favorite episodes of the City Girl Savings podcast and why they made the list.

Raya’s 10 All-Time Favorite Episodes (in no particular order):

#58: My Daily Morning Routine for Boosting Productivity

#76: Breaking Down My Savings Accounts and Strategies

#20: Breaking Generational Money Curses with Lea Landaverde

#91: 35 Money Lessons I Learned by 35

#1: Big City Spender to City Girl Saver: How City Girl Savings Came to Be

#41: Pulling Back the Curtain and Getting Intimate

#81: Manifesting Money, Trips and More with CGS Client Tymika

#10: Conquering the Fear of Failure and Re-defining Success

#70: My Budget Non-Negotiables

#12: An Introduction to Travel-Hacking with Travel Rewards Coach the Miss Miles

Let me first say that it was incredibly hard to limit my favorites list to 10, but I did it! If you’ve been listening to the show from the beginning, THANK YOU! I hope some of these episodes made your favorites list as well.

Here's a glance at this episode:

[02:28] Raya loves systems and routines, so it’s no surprise that Episode 58, where she shares her morning routine, made the all-time favorites list.

[06:45] From 34 to 35, Raya learned a lot about life, happiness, and money. Her lessons learned over 35 years had a huge impact on her.

[11:34] Speaking with CGS Client Tymika about manifestation was an all-time favorite episode for Raya because it took listeners through some of the mindset work that happens on client coaching calls.
[16:05] Yes, Raya is all about budgets. But, budgets that include the things we love! Raya shares why the episode on her budget non-negotiables made the all-time favorites list.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

#58: My Daily Morning Routine for Boosting Productivity

#76: Breaking Down My Savings Accounts and Strategies

#20: Breaking Generational Money Curses with Lea Landaverde

#91: 35 Money Lessons I Learned by 35

#1: Big City Spender to City Girl Saver: How City Girl Savings Came to Be

#41: Pulling Back the Curtain and Getting Intimate

#81: Manifesting Money, Trips and More with CGS Client Tymika

#10: Conquering the Fear of Failure and Redefining Success

#70: My Budget Non-Negotiables

#12: An Introduction to Travel-Hacking with Travel Rewards Coach the Miss Miles

Follow City Girl Savings on Instagram

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Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

Financial Coach versus Financial Advisor with Grace Kilgore Nov 06, 2023

Because the coaching industry is so new, it’s no surprise that most people assume they need a financial advisor, instead of a financial coach.

I’ve been a financial coach since 2015 and many people have called me a financial advisor (which I’m not) and sought services outside of my wheelhouse.

That’s why I’m so excited to have financial advisor Grace Kilgore on the show today.

Grace and I are going to talk about the differences between a financial coach and a financial advisor, so whoever’s listening can understand the difference and seek out the right financial support.

When you’re looking to establish your financial foundation – create a budget, pay off debt, build an emergency fund and improve your money mindset, a financial coach is what you need.

When you have a solid financial foundation and you’re ready to build wealth – through investment vehicles like the stock market, life insurance and more, you’re ready to work with a financial advisor.

My goal as a finance coach is to get my clients established and ready to work with a financial advisor. They have laid the foundation for financial consistency and now they’re ready to capitalize.

In addition to educating listeners on the differences of financial coaching versus advising, Grace shares what it’s like to work as a woman in the male-dominated finance industry, what qualifiers she looks for before taking on new clients, and how she manages work, family and home life.

Here's a glance at this episode:

[02:31] Grace shares her background and the interesting story of how she got into the financial advising space, unexpectedly.

[11:43] “I don’t feel like I have to compete with my male counterparts”. The financial services industry is male dominated. Grace shares her experiences as a woman working her way up in the industry.

[23:21] When someone is ready to work with a financial advisor, like Grace, she can help them avoid mistakes that could jeopardize their wealth-building efforts.
[33:10] The verdict is in – Raya and Grace both agree that paying down high-interest debt should be a top priority, even above investing in the stock market.
[43:37] Grace shares the time management tricks that work for her. She works better in small chunks of time when getting tasks done.
[49:07] Fill your feed with financial encouragement to help make finances a priority in your life.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Grace on Instagram

Want to work with Grace? Book a Discovery Call with her!

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Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

8 Money Goals to Set for the New Year Oct 30, 2023

There’s no denying the power of setting money goals…any goals for that matter.

Goals keep us motivated. Goals give us something to work towards. Goals help us measure our success towards the things that matter most.

Most people, myself included, set goals at the beginning of the year.

There’s nothing like a fresh start! But if you’ve never set money goals before, I want 2024 to be the year you give it a try.

In case you’re not sure what goals to set, in this episode I’m sharing 8 effective money goals for the new year, or any time, that you can set and work towards.

Let this be your starting point to a prosperous financial year!

Here's a glance at this episode:

[01:38] Raya answers the latest City Girl Solutions question: “How many coaching clients do you typically work with?”

[05:40] An effective money goal for anyone is to get started with investing. Even if it’s on a small scale, investing can be transformative.

[10:47] Create a spreadsheet that helps you quickly identify what your savings situation looks like. Essentially, your savings account portfolio.
[14:41] The only way to know if you’re actually sticking to the budget you’ve created is by tracking your spending regularly.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Rollover old retirement plans with Capitalize

Download the Debt Repayment Checklist

Let me create a budget plan for you!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

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Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

How to Give Your Budget a Makeover Oct 23, 2023

Do you always start the month with a new budget and high hopes, only to forget about it a few days later?

Is your problem sticking to the budget instead of creating it?

Or maybe you have completely given up on the thought of a doable budget?

If your current budget or budgeting process isn’t working, it’s probably time to give your old budget a makeover!

In this episode, I’m sharing some powerful ways to revamp your budget and make it as effective as possible for you!

Remember, a budget takes work, so commit to seeing it through and it’ll become second nature in no time.

Here's a glance at this episode:

[01:55] Creating long-term budgets doesn’t always work as well as intended. Start with a monthly budgeting routine.

[04:59] Having a “close-by” savings and Miscellaneous category in your budget can help you if unexpected expenses pop up.

[09:35] A budget doesn’t mean you can’t have fun. Your budget should include fun!
[12:25] Constantly overbudget? Where is that money coming from? Are you going into debt or tapping into savings?

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 63 – How to Financially Prioritize Your Needs and Wants

Listen to Episode 17 – Why Your Budget Should Always Include the Things You Love

Let me create a budget plan for you!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

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Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

10 Things You Can Do to Finish the Year Off Strong Oct 16, 2023

I think there’s so much emphasis on improving your life in preparation for or at the start of a new year.

While I’m not mad about it (the Virgo in me loves a fresh start), I do think there’s something super impactful about finishing a year off strong as well.

If you’ve let the year pass you by with little motivation, then it’s time to think about what you can do to finish the year off strong and prepare for the ultimate fresh start.

Tomorrow is always a new day and the opportunity for a fresh start!

In this episode, I’m sharing 10 things you can do to finish the year off strong and get some major momentum moving into another new year!

Here's a glance at this episode:

[02:05] Raya answers the following City Girl Solutions question: “What do you think of balance transfers when trying to pay off debt?”

[06:39] Finish the year with the habit of journaling already in place. There are so many benefits that come with journaling.

[12:40] Money dictates so much in our day-to-day lives. Finish the year off strong by getting a few financial loose ends tied up.
[17:15] Go into the New Year with a plan for any extra raise or income you receive.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

CGS Blog Article – 6 Tips to Help You Start Journaling

Listen to Episode 52 – How to Financially Prepare for the New Year

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

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Why You Need to Start Planning Next Year's Goals Now Oct 09, 2023

We’re in the final quarter of the year and before we know it, 2024 will be here.

While we still have over 2 months before the new year, the time to start planning next years’ goals is right now!

Waiting until the last minute to plan your goals opens the door for you to set unrealistic expectations, fail to properly plan your strategies or worse – avoid goal setting altogether!

I always set my new year goals in October, and it gives me enough time to reflect, assess and set goals that matter.

In this episode, I’m sharing why you need to start planning your new year goals ahead of time and I’m walking you through my goal setting strategy! Here’s to setting goals that inspire us!

Here's a glance at this episode:

[02:00] Not a fan of setting goals? Raya explains how setting goals puts you in a position to achieve things you never thought possible.

[06:21] If you set a goal that is unachievable, you won’t have the motivation needed to do the work to reach the goal. Realistic goals are a must.

[09:27] Raya shares the 3 main reasons why you shouldn’t wait to start planning your new year goals.
[15:15] Not sure how to effectively plan your goals? Raya walks through her goal-setting strategy with a few different examples.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 50 – 10 Goals to Make the Most of Your Life in the New Year

Related CGS Blog Article – The Best Way to Set Your Money Goals for the New Year

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

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Sticking to Your Grocery Budget with Rachel Coons Oct 02, 2023

One budget category that usually gets us all in one way or another is the Grocery category.

With rising costs of food, the urge to ditch the ingredients in the fridge and order take out, and a premium for healthy, organic food, it’s no wonder most of us can’t seem to keep our grocery spending in check.

Thankfully, Grocery Budget Coach Rachel Coons is here with us to help make sure we stick to those budgets!

In this episode, Rachel is going to share how she feeds her family of 6 for $700/month, where to save the most money when grocery shopping, and how to stick to the grocery budget!

Here's a glance at this episode:

[03:44] Rachel came up with the SHOP method, which helps people cut their grocery bills in half. She breaks down the method.

[10:45] Rachel helps drive home the point that spending money isn’t bad and that budgeting and money management can be logical, not just emotional.

[19:12] Raya hates going to the grocery store, and she’s not alone. Rachel introduces the concept of grocery delivery and pick up.
[25:54] Rachel shares that taking her kids to the grocery store is a recipe for disaster. She gives additional guidance on succeeding when at the grocery store.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Rachel on Instagram

Follow Rachel on TikTok

Join Rachel’s Facebook Group

Get on the Grocery Budget Bootcamp waitlist

Free PDF of 5 Meals for $50

Get your question answered on the podcast! Ask your question here.

Follow City Girl Savings on Instagram

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Subscribe to the City Girl Savings Newsletter!

9 Frugal Habits to Implement Now Sep 25, 2023

Money management is one of the most important skills a person (especially a woman) can have, but it’s often never learned and properly utilized.

It’s not easy to live a life of frugality – to assess needs versus wants and avoid spending money on things that you don’t need.

However, it’s mandatory if you want to live a life of financial security and freedom.

If you aren’t a frugal person by nature, don’t worry! I wasn’t either in the beginning.

But, if I can change my ways, anyone can!

In this episode, I’m sharing 9 frugal habits that anyone can start implementing now to work towards proper money management.

Here's a glance at this episode:

[01:38] In this episode, I’m answering a City Girl Solutions question about the advice I would give to the version of myself 10 years ago.

[05:01] Make it a habit of “paying yourself first”. Meaning, when money comes in, you save something before you do any spending.

[07:41] When you keep tabs on your spending, you can make changes real-time to help you save money or get back on track.
[13:25] Planning ahead for things you know are coming (or what to come) can be a great way to stick to your budget and avoid overspending.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

I highly recommend you read The Richest Man in Babylon

Listen to Episode 83 – How to Live Your Best Life this Summer

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

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Easy Ways to Live Within Your Means Sep 18, 2023

A common trend in the personal finance community is the notion of living below your means.

Meaning, you’re able to live on less than what you make.

Most successful savers and financially successful people in general have mastered the living within your means phenomena.

In fact, they have mastered it so well that they actually live below their means!

As for the rest of us, we must crawl before we can walk.

Before we can master living within or under our means, we need to know how to stop living above our means.

In this episode, I’m sharing some simple ways you can live within your means and still enjoy a life you love.

Be prepared to take some mental notes and feel free to start implementing immediately!

Here's a glance at this episode:

[03:05] Don’t know where your money is going? I walk you through the steps to take to pinpoint what money is coming in and going out.

[06:09] Making more money can help ensure you are living within (or under) your means. I share a few ideas to bring in more money.

[09:57] Your credit card company can reduce your credit card limit at any time. Relying on credit cards is a habit you don’t want to form.
[14:21] I share a list of things you can do to set your future self up for financial success. Start with one and work your way through the list!

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn about my 1-on-1 money coaching program

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

35 Money Lessons I Learned by 35 Sep 11, 2023

By the time you’re hearing this episode, I’m a newly aged 35-year-old woman.

My year from 34 to 35 has been one of tremendous growth.

Not from a business or material standpoint, but from an internal one.

It’s been a year of reflection, trusting the unknown, and having faith.

It was a tough year personally and I was forced to do things I didn’t plan to.

I was forced to slow down when I didn’t want to. I was forced to be content, which is something I struggled with.

The growth I’ve experienced in the past year has had a huge impact on the money lessons I’ve accumulated over my 35 years of life.

In this episode, I’m sharing some of the biggest money lessons I learned by 35. I have a feeling the lessons will keep coming!

Here's a glance at this episode:

[02:55] On this City Girl Solutions’ segment, I’m sharing whether to set up bill-pay through your bank or automatic payments through each company.

[07:43] Money isn’t what brings happiness, but it can allow you to do and purchase the things that do bring you overall happiness.

[12:15] Contributing to a 401k plan at age 21 was the best thing I did for my finances. I didn’t do a lot of things right back then, but I did that right!
[17:09] Love to travel? It’s okay to visit the same place multiple times, especially if that place brings you joy.
[21:05] I no longer believe starting a business is for everyone. I think personal wants and characteristics may warrant working for someone else.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 30 – Vacation Planning on a Budget

Listen to Episode 53 – My Personal and Business Goals for 2023

Save money with Oportun! Get a free $5 on me!

Listen to Episode 70 – My Budget Non-Negotiables

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

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Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

How to Be Happy with Frugal Living with Vee Frugal Fox Sep 04, 2023

I think there’s a common misconception that if you’re frugal, you’re cheap.

You don’t spend money on things you enjoy and you never leave the house. NOT TRUE!

Living a frugal life means you’re intentional with your money decisions and you tend to only spend on things that matter or spark joy.

Let’s release the stigma around frugality and work towards leading a more financially-intentional life.

One person who seems to do this well is Vee Weir from Vee Frugal Fox and Founder of Weir Digital Marketing!

In this episode, Vee is sharing her financial freedom journey, how she happily leads a frugal life and all the roadblocks along the way.

Here's a glance at this episode:

[03:40] Vee shares her story working towards financial freedom and how Dave Ramsey played a role in her journey.

[10:25] Vee paid off over $50,000 in debt in about a year. She breaks down some of the lessons learned during that year.
[21:08] Frugality is akin to values-based spending and Vee talks about how the two ways of being are connected.
[33:45] Budgeting can be as simple or as complicated as you make it. Vee opens up about meeting budgeting wherever you’re at.
[43:00] Vee shares how her money conversations changed throughout her two marriages.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Vee on Instagram

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

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Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

Master Your Money Like a Pro Aug 28, 2023

News flash: You don’t have to make a lot of money to be good at managing it!

In fact, if you can master managing money with less income, you can make some amazing progress when more income eventually comes your way.

Hopefully you’re thinking “Challenge accepted!”

Regardless of how much money you make, I want you to know that you can master it like a pro!

In honor of the Money Management Mastery program starting soon, in this episode, I’m sharing how you can master managing your money like a professional and truly see how far your money can take you.

Here's a glance at this episode:

[01:50] If you want to master your money like a pro, you always need to know what your monthly profit should be.

[04:53] Whatever your reason for not looking at your money – you are stronger than that reason. Don’t ignore your money.

[09:00] Intentional spending means you are 100% aware of what you’re doing with your money. Whether you’re spending or not spending, you are fully aware.
[13:00] You can do your own research to learn ways to improve your financial situation. You don’t have to rely on a coach, if you don’t want to.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 34 – How to Be Intentional With Your Money

Listen to Episode 69 – Things You Can to Do Improve Your Financial Literacy

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

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Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How to Get Comfortable with Being Uncomfortable Aug 21, 2023

Great things happen outside the comfort zone, unfortunately it doesn’t always feel good there.

Being uncomfortable is the first step to change…and change is scary.

Fear of the unknown can creep in and make you take a step back into your zone of comfort.

But, you can’t expect different results when you’re doing the same things you’ve always done.

In this episode, I’m sharing how you can get comfortable with being uncomfortable.

You’ll learn why stepping outside of your comfort zone leads to amazing things and how you can put yourself in a position to get uncomfortable but be okay with it.

Here’s to new, exciting and unknown blessings coming our way!

Here's a glance at this episode:

[01:38] In this episode’s City Girl Solutions question, Raya shares how people with no experience can get started with budgeting.

[05:53] How many times have you thought about leaving your job? Until you get out of your comfort zone, you’ll always wonder “what if”.

[09:36] Our brains think of discomfort as unhappiness. This isn’t true. We have to shift the mental narrative and understand that discomfort means we’re in unknown territory.
[14:00] Raya shares examples of when she got out of her comfort zone, even though it felt scary and uncomfortable.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Save your spot in the upcoming Money Mindset Masterclass!

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Big Signs Your Budget Isn't Working and What to Do Next Aug 14, 2023

You’ve taken the steps to actually get your budget created, but now that you have, you realize that it just isn’t working.

Don’t give up! The truth is budgeting is not one-size-fits all.

Budgeting is all about trial and error. You’re not always going to be perfect with your budget.

I mean…I’m a budget coach, and I don’t always get it right!

That means you have permission to let your budget be a work in progress.

However, there may be certain roadblocks that are holding your budget back from success.

In this episode, I’m sharing a few common big signs your budget isn’t working and what you can do next.

Once you know the signs, you can actively work to fix them!

Here's a glance at this episode:

[02:20] Before you can change anything about your money situation, you need a budget to show you what your financials actually look like.

[06:10] Adding a Miscellaneous category to your budget or having a savings account for unexpected expense can help keep your budget in line when things pop up.

[09:23] Once you see where your money is going on a regular basis, you can spend differently to break free of living paycheck to paycheck.
[14:47] Unlink your credit card from any app or website so you won’t be tempted to spend on impulse.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode #3 – Breaking Through the Stigma of Budgeting

Save your spot in the upcoming Money Mindset Masterclass!

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Home Buying 101 with Realtor Coco Massara Aug 07, 2023

One of the most common goals I see across the City Girl Savings community is home ownership.

People reach out to me sharing they want to own a home one day.

Clients and I work to prioritize saving for a down payment. Dreams of passive income from rentals or AirBnBs fill people with hope.

Whether home ownership is in the near future for you or not, there are things everyone can do right now to put themselves in a position to purchase when they’re ready.

In this episode, I’m talking with Austin-Texas based realtor Coco Massara about all things home ownership, rental properties and more!

Get ready to learn what home buying is all about!

Here's a glance at this episode:

[03:25] Coco takes listeners through her experiences purchasing a home as a single, woman of color before getting into the real estate industry.

[09:20] Coco and her husband purchased a second property in New Mexico. She shares what that process was like and the questions she asked before purchasing in a different state.

[24:24] Applying for a loan is like applying for a credit card – you may be approved for more than you’re comfortable spending. This means a budget is critical.
[38:35] Coco shares her thoughts on the current state of the housing market.
[46:06] AirBnB management may be more financially lucrative than long-term renting, but it will have more recurring costs associated with it.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Coco on Instagram

Save your spot in the upcoming Money Mindset Masterclass

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Mindset Matters: Abundance versus Scarcity Jul 31, 2023

When it comes to your finances, it (literally) pays to have the right mindset.

How you think about your money determines how you act with your money. How you think about your situation determines how you change (or don’t change) your situation.

In this episode, I’m diving into why mindset is so important for your life and finances.

I’m also going to break down money scarcity, so you can spot the signs of that particular mindset and work to change it!

Here's a glance at this episode:

[01:49] Raya shares the dictionary definition of “mindset”, so you can truly understand what it means.

[03:41] If you’re not aware of your mindset, you may be doing things that are not helping you reach your goals long-term.
[07:02] Unfortunately, the more you think something bad will happen, the higher the likelihood you believe something bad will happen and make it true.
[10:52] Do you have true money scarcity, or do you just believe your money is scarce? There’s a big difference.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Why You Need to Pay to Get Better with Money Jul 24, 2023

Why should I pay to get help with my finances when there are plenty of free or low-cost options available?

Since I’m a coach that specializes in helping people who don’t know how to budget, you can imagine how many times I’ve been asked this question. And it’s perfectly valid.

The funny thing is, the people who are asking that question, aren’t asking questions like: why should I save so I don’t live paycheck to paycheck? Why should I control my spending so I can pay my bills?

Those are valid questions too!

The reason why people need to pay for help in areas they haven’t been successful in (finances included), is because they haven’t been able to figure it out themselves up until this point.

That’s not to say that no one can figure it out themselves. I sure did, as far as my finances go…But, it wasn’t easy.

It wasn’t overnight. It would have happened a lot faster with the right guide.

In this episode, I’m sharing why you need to invest in your financial success, and why it’s perfectly okay to spend money to get better with it.

Here's a glance at this episode:

[02:22] In this City Girl Solutions segment, I’m sharing some ideas for budget-friendly wedding planning.
[04:35] If you’ve never invested in any type of coach or trainer, it can probably be hard to wrap your head around spending money to get better with something that you can learn on your own.
[10:23] You can spend a lot of time researching and learning what you can do to improve your finances. The research may not cost money. However, you’re giving up your time at the expense of not spending money.
[14:00] Nothing happens overnight – whether you work with a coach or not. You have to be consistent and put in the work to see the results.
[18:09] Paying down your debt balances is a big part of building wealth. With the right plan, you can see progress in this area.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

How to Live Your Best Life this Summer Jul 17, 2023

Ah, summertime. Beach days. Long nights. Sun rays.

Maybe it was the fact that summer vacation when we were little was a great time, but even as an adult, I always look forward to summer.

While I no longer get summer vacations like I did in grade school, I still love to make the most of the summer season.

In this episode, I’m sharing how you can live your best life this summer (and any summer after).

I want you to enjoy your summer, while being smart with your budget! Let’s dive in!

Here's a glance at this episode:

[03:00] It’s no secret that visiting all 50 states is a life goal of mine. In this City Girl Solutions segment, Kelsey asks which state I want to visit the most…and what I think of North Dakota!
[05:40] Before considering summer vacations in a new place, think about all of the things that happen in your own city for the summer.
[09:00] Visiting nearby cities can make for a wonderful summer vacation that helps you avoid going over-budget.
[13:31] Live your best life this summer by channeling your inner-child and visiting theme parks or water parks!
[16:11] To help you budget better during the summer, allocate more to your fun spending category, even if it means reducing other categories.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 30 – Vacation Planning on a Budget

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Mid Year Personal and Business Goals Check In Jul 10, 2023

When it comes to your goals, you can’t just set them and forget them.

You have to check in on them and make sure you’re on track. If you’re not on track, you still have time to course correct and figure other things out.

Sometimes, things come up and your goals can’t be achieved exactly when you want them to.

That doesn’t mean you should give up though! It just means you’ll need to tweak, adjust and get back to work. The same goes for me!

You may remember at the end of 2022, I shared my personal and business goals for 2023.

Well, here we are, over 7 months into the year and I practice what I preach.

In this episode, I’m doing a mid-year personal and business goals check in. I’m sharing my check in results with you, so you can do your own mid-year goal check in!

Here's a glance at this episode:

[01:44] In this episode’s City Girl Solutions question, I’m breaking down “Backdoor” Roth IRAs for those who may not be aware of what they are and how to implement them.
[04:35] One personal goal that I’m on track with for the year is working out Monday through Friday. I’ve also added in walking 10,000 steps to it!
[09:45] We have a business goal of hitting 50,000 podcast downloads in 2023. Thank you for listening and helping us reach this goal!
[13:00] We’re off target for reaching out annual website views goal, but with a newly-designed website, hopefully we can make up for lost time.
[16:13] On a personal note, I’m currently working through managing my mindset when things aren’t as busy as I’m used to. It’s a work in progress!

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 53 – My Personal and Business Goals for 2023

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Manifesting Money, Trips and More with CGS Client Tymika Jul 03, 2023

I can’t quite explain it, but every time a new client joins my coaching program and vows to truly change their money situation, God, the Universe, or whatever else you believe in throws things their way to confirm they’re on the right track.

Extra money miraculously appears. Bills come back with credits. Checks show up in the mail. Family members send blessings.

This isn’t an anomaly to just one or two clients, it happens to just about all of them who truly decide to improve their finances.

Tymika is no different. Tymika is a money coaching client of mine who started working with me in 2021 and has continued with ongoing support.

I’ve seen amazing shifts in Tymika’s mindset and it’s translated to her manifesting amazing things, back to back.

In this episode, I’m talking with Tymika about her experience with manifestation and how she’s now a true believer.

Here's a glance at this episode:

[05:20] Tymika’s money situation always seemed to hit a certain level. She couldn’t move past it and tended to spend her money in line with that level.
[09:49] Unbeknownst to her, Tymika was never talking positively about her finances. It wasn’t until her boyfriend (BF) brought her negative mindset to light that it clicked.
[18:21] Instantly after starting coaching, Tymika learned instantly that she truly did have enough money coming in.
[30:15] Tymika breaks down all the different ways more money has come into her life through manifestation and mindset.
[40:00] Working with a money coach has given Tymika courage in other areas of her life.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Tymika on Instagram

Learn more about my 1-on-1 money coaching program.

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

8 Things Everyone Should Be Saving For Jun 26, 2023

Everyone knows they should be saving money, but most people don’t take it a step further and specify what that savings should be for.

I’ve worked with clients who would save money consistently, but never had a strategy around that savings.

There are certain things everyone should be saving for, but it’s not always clear what those things should be.

Don’t get me wrong, saving money just to save money is better than the alternative – not saving money at all, but when you don’t have a purpose for your savings, it can be easy to spend it on things you don’t necessarily need.

If you’re unsure about what to save for, in this episode, I’m sharing 8 things everyone should be saving for over time.

Here's a glance at this episode:

[01:47] In this episode’s City Girl Solutions question, I’m sharing what I think about Dave Ramsey and his teachings.
[04:00] Believing that you are capable of achieving the things you want out of life is a huge part of actually achieving them.
[08:45] Stop what you’re doing and go contribute to a retirement plan – through your employer (if available) or through an IRA (if your employer doesn’t have a plan).
[13:09] A dream vacation is worth saving for. While other priorities may come first, don’t rob yourself of an amazing travel experience.
[17:00] One thing that we all should be working towards is a life free of debt.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 53 – My Personal and Business Goals for 2023

Listen to Episode 44 – Why You Need to Think About Retirement Now

Betterment is a great way for beginners to start investing

Listen to Episode 12 – An Introduction to Travel Hacking

Get your question answered on the podcast! Ask your question here.

Learn more about my 1-on-1 money coaching program.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Easy Ways for Spenders to Start Saving Money Jun 19, 2023

Here’s the thing: some people are just natural-born spenders.

Give them some money and POOF! It’s gone!

But anyone can change their ways…heck, if I can do it, anyone can!

So, if you’re a spender, it doesn’t mean you can’t also be a saver!

In fact, there are some easy ways for spenders to get started with saving money, regardless of their habits.

In this episode, I’m sharing 5 easy ways for spenders to save money and keep it in savings!

I’m all about making life easier where I can, and I’m also all about helping you do the same!

If you’re a natural-born spender who struggles to save money, don’t worry, I got you covered!

Here's a glance at this episode:

[01:50] In this episode’s City Girl Solutions question, I’m sharing the books I recently read and the one I’m currently reading.
[04:14] Unexpected events happen to us all. Having something in savings to help cover the costs of these events makes a world of difference.
[06:10] If you are consistently saving money but often have to touch that savings, you’re likely saving too much money for your situation.
[09:50] Trying to make cash only spending work? Start by looking at your budget to see how much you should be pulling in cash to spend.
[14:00] Most people don’t know they’re overspending until they track their spending.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Join the FREE 4-week CGS Summer Savings Challenge!

Listen to Episode 1 – Big City Spender to City Girl Saver

Online banks I recommend: Synchrony, Ally, American Express Bank

Get your question answered on the podcast! Ask your question here.

Learn more about my 1-on-1 money coaching program.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Setting the Record Straight on Sinking Funds Jun 12, 2023

I’m sure you’ve heard the term “sinking funds” before, and if you haven’t, you’ll definitely learn today!

Sinking funds are individual saving strategies for specific goals.

Whether you’re saving for that goal in a bank account, investment account or a cash envelope, you’re contributing to that goal’s sinking fund.

Sinking funds can be a great way to save for goals, save for expenses that tend to pop up on you unexpectedly, or save for things (big or small) that you want to have money for in the future.

In this episode, I’m helping you get clear on leveraging sinking funds, which sinking funds you should have and how to budget for them.

Get ready to feel like a sinking fund pro!

Here's a glance at this episode:

[01:30] According to a CNBC study, Americans save less than 5% of their disposable income – the income that’s left over after all their bills and responsibilities are covered.
[03:59] Want to save for your sinking funds in cash? The envelope system is the best way to go.
[08:56] I’m saving for a second home in Palm Springs in an investment account. I’m breaking down why I chose this type of account.
[11:20] Determining your sinking funds? I often ask my clients what expenses come up regularly that can be saved for in advance?
[15:23] Getting into a groove with sinking funds will take some trial and error. Give yourself grace and don’t give up!

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Join the FREE 4-week CGS Summer Savings Challenge!

Online banks with high-yield savings accounts I recommend: Synchrony, Ally, American Express Bank

Need help with a budget? Let me create one for you!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Behind the Scenes of the CGS Team Jun 05, 2023

You see the thriving City Girl Savings community of thousands, the pretty website full of blog articles and money resources, and the sweet words from my coaching clients…but have you ever wondered what it looks like behind the scenes at City Girl Savings?

Are you curious to know what goes into making this business run on a daily basis?

Well, let me be the first to share that I’m not doing it alone…and I haven’t been for many years!

In this episode, I’m introducing you to the team behind City Girl Savings…interviewing each of them so they can share what they do for CGS, how working for CGS has impacted their own money situation, and some of their ambitions outside of the company.

Each of the CGS Team Members works part-time, so since I’m the only full-time member of the CGS team, I’ll also be sharing the work I do to keep this company running.

I hope you enjoy getting a look under the hood of City Girl Savings!

Here's a glance at this episode:

[06:45] Taelor has been on the CGS Team the longest and she shares the changes she’s made to her finances since following along with the CGS community.
[18:22] Lena had wanted to be a client of CGS, but only became one after taking on a virtual assistant role a few years earlier.
[31:26] Mariel is one of the newest members of the CGS Team. She shares what she does for work outside of CGS and her role on the CGS Team.
[44:32] Brittany tries to show the CGS community that investing in yourself is worth it. Her role as a community manager has helped push the CGS mission forward.
[54:30] Raya rounds out the episode by sharing the work she does for the City Girl Savings team.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Join the FREE 4-week CGS Summer Savings Challenge!

Follow Taelor on Instagram

Follow Lena on Instagram

Follow Mariel on Instagram

Follow Brittany on Instagram

Follow Raya on Instagram

Get your question answered on the podcast! Ask your question here.

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Breaking Down My Savings Accounts and Strategies May 29, 2023

I’ve been budgeting and saving for many years.

With that comes picking up on tips and tricks, and learning what strategies work and don’t work.

I’m a firm believer in the notion of one savings account per goal.

Not only does this keep you organized, but it also keeps you on top of how close you are to reaching that goal.

I currently have 7 primary savings accounts.

Each of them has a specific purpose and a specific strategy behind them.

In today’s episode, I’m breaking those accounts and strategies down.

I’m doing this to inspire you to get strategic with your own savings accounts.

I also want you to get an idea of how I think about saving – in the hopes that you’ll take what works for you and thrive!

Here's a glance at this episode:

[02:10] Before taking City Girl Savings full-time, I had a goal of saving 15 months’ worth of expenses.
[04:10] I keep my emergency fund in a high-yield savings for a few reasons: extra interest, liquid cash and not easy to instantly transfer.
[08:50] I never keep more than a few thousand dollars in my travel savings. Because of this, I keep this account close to my checking for easy access when booking.
[14:32] Any savings account of mine that’s linked to my checking has a specific purpose. I don’t touch those accounts unless they’re needed to fulfill their purpose.
[19:05] I use Betterment for my long-term investment accounts. It’s user-friendly and I love their “goal forecaster.”

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Online banks I recommend: Synchrony, Ally, American Express Bank

Listen to Episode 30 – Vacation Planning on a Budget

Get your question answered on the podcast! Ask your question here.

6 Signs You’re Saving Too Much Money

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Stop Putting Off Improving Your Situation May 22, 2023

Unhappy with your life?

Disappointed by your diet?

Wishing you had more money?

If things aren’t going the way you want them to, I hate to break it to you…but sitting around and complaining isn’t going to help.

Whatever area (or areas) of your life you’re unhappy with, it’s time to do something about it.

Stop putting off improving your situation because time is of the essence.

The longer you prolong the work, the longer you prolong the success.

In this episode, I’m sharing 5 reasons to stop putting off improving your situation and life, so you can get to work immediately on changing things for the better.

Here's a glance at this episode:

[01:32] It doesn’t matter what you do, how old you are, where you’re from or how far away your goals are. YOU have the ability to change your situation for the better.
[03:20] You don’t have to change your entire life in one day, but doing one thing each day to get you closer to your goals is completely doable.
[05:28] When it comes to changing your situation, the hardest part is usually the beginning. Just remember this too shall pass.
[09:50] Waiting on outside factors to help change your situation? You’re going to be waiting a very long time.
[12:17] Quick fixes are not always the solution for long-term changes.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get your question answered on the podcast! Ask your question here.

Listen to Episode 51 – Fearlessly Chasing a Life You Love with Madison Bailey Anaya

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

My Favorite Affirmations for Money, Happiness and More May 15, 2023

I started using affirmations in 2018 after I made the decision that I wanted to run City Girl Savings full-time.

When I tell you there is a night and day difference between how I thought then and how I think now, affirmations are what took me to the next level.

The thing about affirmations is that they aren’t just words you say out loud.

They are beliefs you want to be true about yourself or your situation.

The more you say them, the more you affirm them.

The more you affirm them, the more you believe them.

When you start believing in them, you start living them.

Then, the magic happens!

This episode is going to be a little different – one by one, I’m going to share my favorite affirmations for money, success, happiness and more.

I’m going to start with the oldest to newest, so you can see the progression.

Feel free to take any of these affirmations and make them you own!

Here's a glance at this episode:

[01:54] I started using affirmations in 2018 when I knew I wanted to run City Girl Savings full-time. I had never used them prior to.
[04:30] “I’m fully capable of the desires inside me.”
[06:48] “I am the kind of person who never stops learning, growing and practicing gratitude.”
[08:14] “I live a healthy, happy, active lifestyle.”
[11:05] When you use affirmations, you start doing things in line with what you’re trying to achieve.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 10 – Conquering the Fear of Failure and Redefining Success

Get on the waitlist for Money Management Mastery

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Why You Should Start a Business with a Day Job May 08, 2023

Have you been wanting to start a business, but you struggle to decide if you can do it with your day job?

Starting a business is a huge deal, but it doesn’t have to be a hard process!

I started City Girl Savings when I had a full-time job in corporate America.

I’m not going to lie to you and say it was easy managing both, but it gave me time to grow my business without having to worry about how my bills would be covered.

If anyone is considering starting a business, nine times out of ten, I’d recommend they start it when they have their normal job.

The early stages of business are so unknown, so having the stability of your other job can be comforting in so many ways.

In this episode, I’m sharing why you should start a business when you have a day job. My hope is that this episode empowers you to take a leap of faith and just start!

Here's a glance at this episode:

[05:06] When you’re just starting out with your business, being able to grow it without worrying about money can be a game-changer for success.
[06:35] Before you leave your full-time job, get clear on your financial goals. How much do you want saved? How much do you want your business to earn?
[10:48] No one knows what the future holds, but when you start a business with a day job, you can test out multiple scenarios to see what you really want.
[13:00] People don’t buy from you to make you feel better. They purchase because of the problem you’re solving or the help you’re giving.
[16:20] Your time management skills are tested when you start a business with a day job, but the rewards are worth the effort.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 19 – Is Starting a Business Really for You?

Listen to Episode 7 – 10 Biggest Lessons Learned from Running My Business

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Student Loan Payments, Forgiveness and More with Nika of Debt Free Gonna Be May 01, 2023

By the time you’re listening to this episode, we’re about a month away from the federal student loan payment pause ending.

With the federal student loan debt forgiveness program in the throws of legal and political battles, millions of borrowers will be forced to begin payments.

I’ve been working with my clients to help prepare their budgets for the added expense, but not many have that luxury.

Today, I’m talking with Nika of Debt Free Gonna Be about all things student loan payments.

Nika has been a fantastic resource for student loan news and updates and she’s here to help shed some light on what’s coming for student loans.

If you have student loans, if you’ve applied for forgiveness, or if you just want to be up to date with the current climate, don’t miss this episode!

Here's a glance at this episode:

[06:35] Nika shares what her debt-free journey looked like and how she was able to get rid of over $180,000 in debt.
[16:24] Nika had her student loans forgiven and she shares how she was prepared and acted as soon as the application was open.
[20:56] Struggling with money can be equated to struggling with food. Not understanding your triggers can undo your progress.
[30:00] Applying for PSLF? Make sure you complete the application right the first time around to avoid unnecessary delays.
[40:36] Nika recommends having at least one months’ worth of expenses saved for emergencies before you aggressively start paying down debt.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Nika on Instagram

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

7 Ways to Invest in Your Personal Success Apr 24, 2023

Tony Robbins once said, “if you’re not growing, you’re dying”.

What he means is that if you are not working to improve your life, in any area, you’re staying still.

When the mind settles for what is, nothing more comes.

That doesn’t sound good to me. What about you?

We must continue learning to continue growing.

There are so many ways to do that, but it all starts with investing in your personal success.

You must invest in things that will take your life to the next level.

Let’s get more specific. You should invest in things that will take your career, finances, relationships, health, mind, body, and soul to the next level.

You don’t have to work on all areas at once, but you do need to work on something.

In this episode, I’m sharing 7 ideas you can leverage to invest in your personal growth and success.

Here's a glance at this episode:

[02:20] Are you trying to improve in a specific area of your life? Consider working with a coach! There are coaches available to help with just-about everything.
[04:00] Spending time by yourself, ideally in a different place or environment, can be a great way to get to know yourself and identify what success looks like for you.
[05:55] Thinking of going back to school? It can be a great way to invest in your success, just make sure the topic is something you can grow in over time.
[08:30] Starting a business is a great way to invest in your own success. You also learn how resourceful you can be.
[11:35] Group accountability programs can be an alternative to 1-on-1 coaching and still get you the benefit of learning and working towards your goals.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn about my 1-on-1 money coaching program

Listen to Episode 13 - 7 Questions to Ask to Determine What You Want Out of Life

Listen to Episode 53 – My 2023 Goals for Personal and Business

Get on the waitlist for the upcoming Money Management Mastery Program

Get your question answered on the podcast! Ask your question here.

Struggling with your money? Schedule a free call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

My Budget Non-Negotiables Apr 17, 2023

I’ve preached the importance of budgeting for a long time.

Let me just state for the record that I will continue to preach the importance of budgeting for as long as I’m able to!

Budgeting changed my life for the better and now I’m helping other people use budgeting to change their own lives.

Unfortunately, there’s still a misconception that life on a budget means a person can’t enjoy life. Not true!

A budget should include the things a person enjoys, in moderation of course!

In this episode, I’m sharing my current budget non-negotiables and why they matter to me.

I’m also going to share a few things I want to become budget non-negotiables, but they haven’t made their way into my budget just yet.

I encourage you to get clear on your own budget non-negotiables and work to make sure they’re factored into your budget.

Here's a glance at this episode:

[01:30] In this week’s City Girl Solutions Q&A, Raya explains high-yield savings accounts and why they are game-changers for anyone trying to save money.
[04:45] While some of my budget non-negotiables aren’t technically discretionary, I choose to spend money on these specific things to improve my quality of life.
[08:50] Next, I cover the budget non-negotiables that are truly discretionary. They are things I don’t need, but absolutely love to have.
[12:20] Finally, I spend time talking about things that I would like to become budget non-negotiables but I’m not quite there yet.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 17 – Why Your Budget Should Include the Things You Love

Get your question answered on the podcast! Ask your question here.

Struggling with your money? Schedule a free call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Things You Can Do to Improve Your Financial Literacy Apr 10, 2023

Did you know April is Financial Literacy Month?

While I think financial literacy should be a focus each and every month, it’s nice to know the need for financial education is being acknowledged.

What steps are you taking to become more financially literate?

I don’t know about you, but had I been financially literate earlier in life, maybe I wouldn’t have struggled so much with debt and overspending.

Had my parents been more financially literate, maybe they could have actually taught me how to save and manage what I had.

We can’t change the past, but we can decide how we want to move forward.

In this episode, I’m sharing some things you can do to improve your financial literacy and take more control of your financial situation.

Here's a glance at this episode:

[01:42] In the latest City Girl Solutions Q&A, Raya explains high-yield savings accounts and why they are game-changers for anyone trying to save money.
[04:25] Did you know City Girl Savings has an online course to help women master the money they make?
[07:18] Money coaches are not one-size-fits-all. Raya shares the different ways people can work with a money coach.
[11:43] When you know your learning style, you can find resources in that style to help you retain information – especially educational financial information.
[15:40] Financial education isn’t just about what others teach you. Your personal experiences play a role.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get on the waitlist for Money Management Mastery!

Learn about my 1-on-1 money coaching program

Schedule a free call with me!

Some of my favorite personal finance books include: The Richest Man in Babylon, Live It Love It Earn It and Profit First

Join the City Girl Savings Facebook Group

Two biographies I enjoyed: Sidney Poitier’s The Measure of a Man and Alyssa Milano’s Sorry Not Sorry

Get your question answered on the podcast! Ask your question here.

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Saving Six Figures in Your 20s with Carly of Best Money Class Ever Apr 03, 2023

When I was in my twenties, just the thought of saving six figures seemed out of reach.

I was too busy cleaning up my bad money mistakes from my college days! Some people have to crawl before they walk.

Others can sprint to the finish line.

Regardless, everyone has to take the first step forward.

Whether saving six figures in your twenties sounds like a pipe dream, or you’ve already moved into the next age bracket, you can still learn from someone who’s been there.

In this episode, I’m chatting with Carly of Best Money Class Ever about how she managed to save six figures in her 20s and how she’s continued with those habits today.

Get ready to be inspired to save and cross the six-figure threshold!

Here's a glance at this episode:

[04:55] After applying to be a Fidelity financial adviser, Carly realized she wanted to help everyday people manage money.
[10:30] Carly shares how she got scrappy and started her own business right out of college, even though the country was in a recession.
[17:20] Breaking down exact numbers, Carly shares how she managed to earn and save six-figures throughout college and in her early 20s.
[33:30] Did you know Carly lives the RV life? She provides some insight into what RV life looks like for her.
[50:40] Best Money Class Ever was designed by Carly to help people learn how to manage their money and feel like they are taking ownership of their finances.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Carly on Instagram!

Follow Carly on TikTok!

Learn more about Best Money Class Ever

Get the free Best Money Class Ever guide!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with Raya (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

5 Wealth Building Secrets Women Need to Know Mar 27, 2023

Wealth doesn’t have to stay with the old, white men of the world.

In fact, now more than ever, women and people of color are breaking down all kinds of wealth barriers.

Although our society isn’t yet at a place where wealth is evenly distributed, it doesn’t mean we shouldn’t strive for it!

In fact, that’s more of a reason to strive for it!

In this episode, I’m sharing 5 not-so-secret secrets to building wealth that women need to know and understand.

When you know these things, you can start moving in the direction of building lasting wealth.

City Girl Savings was formed because I’ve my mission to empower as many women as possible to work towards financial success. The things you learn in this episode will help!

Here's a glance at this episode:

[01:51] In the latest City Girl Solutions Q&A, Raya gives a high-level overview of her savings accounts. A future episode will break down in detail her accounts and savings strategies!
[06:00] Everyone has multiple options when it comes to investing. Retirement is just one of those options.
[10:21] Raya explains why unsecured debt is so expensive and why this type of debt should be paid off first.
[12:45] Racism, sexism, agism all exist in our country’s corporate and financial institutions, but that doesn’t mean we shouldn’t try to work around those evils.
[14:25] The more money you have, the more options you give yourself to live a life you want. Period.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 44: Why You Need to Think About Retirement Now

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Why Your Happiness Should Be First Priority Mar 20, 2023

I see it all the time – whether it’s my clients, my friends or myself, we’re constantly putting other people’s needs and feelings above our own.

While both men and women do this, it’s especially prominent in women. We make sure everyone else is okay, leaving our own happiness on the backburner.

At the end of the day, I firmly believe that our own individual happiness should be a top priority. This will make it so much easier to help other people we care about.

In this episode, I’m sharing why your happiness should be first priority and how to make sure you’re putting yourself first without making other people feel neglected.

There are things we can all do to make sure we prioritize our own happiness. And remember, it’s so much harder to fill someone else’s cup when your own cup is empty.

Here's a glance at this episode:

[02:25] If we can’t love ourselves and prioritize our own happiness, how can we expect others to?
[04:24] A common misconception about prioritizing your happiness means that you’re selfish. This is not the case, but communication can make all the difference.
[09:15] Doing things that make you happy helps in so many ways, just make sure these things are included in your budget.
[12:00] Share with friends and family that you’re prioritizing yourself. Your happiness should also mean something to them.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

How Traveling Feeds My Soul and Keeps Me Motivated Mar 13, 2023

It’s no secret that I love to travel.

If you’ve been in the City Girl Savings community for a while, then you know that traveling is high on my priority list.

There’s something exciting about going somewhere new – experiencing a place you’ve never seen before!

In this episode I’m sharing how traveling feeds my soul and keeps me motivated to work hard and reach my goals. I also share a few reasons why everyone needs to travel at some point in their life.

I truly believe that traveling (especially solo) can help people find their true selves and learn more about their life’s purpose. The more you travel, the more open-minded you become.

Traveling doesn’t have to cost a fortune either! Check out the episode An Introduction to Travel Hacking with The Miss Miles for ways to travel luxuriously, for free!

Here's a glance at this episode:

[02:18] Raya shares how she stays motivated when feelings of defeat kick in, in this City Girl Solutions Q&A.
[10:10] Traveling serves as a great inspiration for me to continue working hard to reach my goals and more.
[11:45] When I travel, I get a taste of the “good life”. I don’t just travel for materialistic reasons, but it’s so nice to be luxurious every now and then!
[15:30] It can be scary for women to travel alone, but planning ahead of time makes all the difference.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Becoming a Virtual Assistant with Shatoria of Coin Countin Mama Mar 06, 2023

If you’ve been wanting to dip your toe into the digital waters, becoming a virtual assistant (also known as a VA) can be a great way to do so.

That’s why I’m so excited to talk with Shatoria of Coin Countin Mama about what it means to be a virtual assistant and how anyone can get started.

There’s a lot of benefits that come from the online space, so why not get a piece of the pie?

Shatoria shares her story about starting as a finance blogger and moving into the virtual assistant world as a side hustle. As she saw how much money could be made, she started helping other women do the same.

Shatoria works full-time, runs a household and still manages to get everything done! We can all learn a lot from her.

If becoming a virtual assistant, or making money online has been on your to-do list, you don’t want to miss this episode!

Here's a glance at this episode:

[04:05] As Shatoria got serious about her financial freedom journey, she shares what motivated her to start documenting the process through her blog.
[17:49] All you really need to get started as a virtual assistant is a computer and the internet! It can be as simple as sharing your skills with the online world.
[37:55] Struggle with time management? Shatoria shares how she manages her time running a household, working full-time and focusing on her business.
[50:40] You don’t need a fancy website to get started with offering services. Leverage social media to help you get your first customers.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Shatoria on Instagram!

Follow Shatoria on LinkedIn!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

How to Financially Prioritize Your Needs and Wants Feb 27, 2023

There is a big difference between needs and wants, and it's a huge assett to know what that is for you! Sacrifice is a big piece. Reaching financial success means you put the most important things first, and the rest comes later.

If you haven’t been able to financially prioritize your needs and wants, or if you feel like your wants have always come first, it’s time to change things up! In this episode, I’ll walk you through how to financially prioritize your needs and wants, so you can start making progress towards your goals!

Here's a glance at this episode:

[03:16] Understanding the difference between needs and wants.
[04:58] Getting clear on your true needs. What is essential?
[08:00] How and why you should allocate to your financial goals before your wants.
[10:41] Budgeting and allocating money to your wants.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode #37 – How Practicing Delayed Gratification Sets You Up for Financial Success

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

9 Ways to Manifest More Money into Your Life Feb 20, 2023

Plenty of people consider manifesting as “woo woo”…until they’ve experienced the magic themselves! Manifesting is essentially, willing something to be based on how you think and act, or to think and act as if you have something, before you have it. It may seem a little out there, but bear with me and give it a try!

In this episode, I’m sharing 9 tips to manifest more money into your life. Manifest one thing, and you can manifest anything! It simply requires you to visualize things before they happen. Once you see it, you can believe it, and once you believe it, you can achieve it!

Check out Episode 11: The Power of Visualization to Help You Reach Your Goals for more details about the practice of visualization.

Here's a glance at this episode:

[02:15] The real science behind manifestation.
[04:20] Why you should write yourself a check for one million dollars.
[10:00] Creating accountability through sharing your goals with others.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get on the waitlist for the Money Management Mastery program!

Listen to Episode #43 – 6 Negative Thoughts Hurting Your Money Situation

Listen to Episode #53 – My Personal and Business Goals for 2023

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

What Prioritizing Self-Care Looks Like for Me and My Budget Feb 13, 2023

Health is wealth. Seriously, if we’re not healthy, it doesn’t matter how much money we have, we won’t be able to fully enjoy it.

One way to make sure you stay mentally and physically healthy is by prioritizing self-care. This is different for everyone, but in today’s episode, I’m sharing what prioritizing self-care looks like for me and my budget. These startegies can then be applied to your own life and budget! Learn the costly and no-cost ways I prioritize my own self-care for and what impacts, if any, it makes on my budget.

Skimping on the self-care will always cost more in the long run, so get ready to be inspired and prioritize yourself.

Here's a glance at this episode:

[05:09] I small thing that leaves me feeling good and presentable.
[11:20] My Dining Out budget and the joys of coffee
[13:35] Extra saving, in preparation for a trip, typically requires me to reduce my regular discretionary spending.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode #30 – Vacation Planning on a Budget

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Career Goals, Negotiating and More with HR Rep & Career Coach Lexi of Work Sugar Feb 06, 2023

No matter where you work or what you do, there’s always bigger goals to be set and more money to be made. This was true for me during my 11 years working in Corporate America, and sharing more on the how and why this is true is corporate HR Rep and Career Coach Lexi of Work Sugar. In this episode, Lexi and I are talking about setting career goals, making career shifts, and negotiating tactics!

Get ready to learn about making more money, finding a job you love, negotiating the best way possible and more!

Here's a glance at this episode:

[13:15] Career growth happens through knowing your skills, knowing what you want, and sharing it with those around you.
[25:00] Lexi shares a story on owning a mistake at work. HR always knows the truth, so don’t hide from your mistakes!
[45:00] Managers hiring long-term employees aren’t interested in consistent job-hopping.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn more about Work Sugar

Follow Lexi on Instagram

Get your question answered on the podcast! Ask your question here.

Check out Motion!

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

10 Things to Do Now to Be Richer Next Year Jan 30, 2023

Building wealth is a life-long process. It never ends.

That’s a good thing. It means anyone can achieve financial success as long as they work towards it.

However, the earlier you start planning and doing the right things with your money, the earlier you will achieve the wealth you are looking for.

Since we can’t change the past (and erase all of those bad financial decisions), we need to focus on what we can change – the things we do right now.

In this episode, I’m sharing 10 things to do now to be richer by this time next year.

Some of these things are simple and some are more complex, but each of them will help make a difference in your wealth-building journey.

Here's a glance at this episode:

[02:43] Cutting back expenses doesn’t have to be permanent, but it can make a big difference in your wealth-building journey.
[05:13] A cash-only system can help you stick to your budget, especially when you only use cash for your discretionary spending.
[07:25] Investing is one of the best ways to build true, long-term wealth. Get started with a simple account with a company like Betterment.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Open a high-yield savings account with Ally, Synchrony or SoFi!

Listen to Episode #37 – How Practicing Delayed Gratification Sets You Up for Financial Success

Read The Spender’s Guide to Debt-Free Living

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

My Daily Morning Routine for Boosting Productivity Jan 23, 2023

I’ve had some sort of morning routine my entire life, though not intentional until after I graduated college.

Having a morning routine has played a huge role in my productivity.

In my morning routine, I do things that will help my future health, finances and goals.

In this episode, I’m sharing my current daily morning routine, from a personal and business standpoint, and how it gives me clarity and helps boost productivity.

Feel free to take anything you hear and apply it to your own routines!

Here's a glance at this episode:

[02:00] I have implemented a morning routine since moving back to Austin – before City Girl Savings was even a thought!
[03:55] Whenever I need a confidence boost, I’ll journal out positive statements and affirmations that I believe to be (or want to be) true about myself.
[09:00] My workday startup routine consists of opening OneNote, Asana and identifying the most important things to get done for the day.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

I love leveraging Asana for task management.

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

How to Spark Inspiration Within Yourself Jan 16, 2023

Have you wanted to travel, start a business, or take up a new hobby but found yourself lacking inspiration?

Don’t wait for some unknown thing to bring you motivation, spark creativity within yourself!

There’s no better time than the New Year to get yourself motivated to reach goals, venture into the unknown, and ultimately make positive life changes!

In this episode, I’m sharing a few ideas to help you spark inspiration within yourself to make forward movement towards the things that matter most to you.

Here's a glance at this episode:

[02:15] Whatever you want in life right now doesn’t have to be your end goal. You can give yourself permission to change your mind as life moves forward.
[03:48] Want to create a vision board? Host a vision board party with your friends!
[07:35] I love physical books, but I also love the convenience that comes with an audio book. I’m sharing some of my audio book recommendations.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 13 – 7 Questions to Ask to Determine What You Want Out of Life

Listen to Episode 51 – Fearlessly Chasing a Life You Love with Madison Anaya

Listen to Episode 12 – An Introduction to Travel Hacking with Elina Geller

Audio Books I recommend: The 12-Week Year, The Gap and the Gain, Practicing the Power of Now, and The Power of Positive Thinking

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

5 Money Routines to Implement for Next Level Growth Jan 09, 2023

Aristotle once said, “We are what we repeatedly do.”

If this is true, then how we go about our days and the habits we put in place play a big role in who we are and what we accomplish.

If our consistent actions aren’t in line with our goals, we may feel discouraged and defeated.

Instead, setting effective routines can ensure we work towards the things we want, especially with money.

In this episode, I’m sharing 5 money routines to implement in order to see next level growth in your situation.

Once you become conscious of your actions, you can start (or continue) doing things that help you grow.

Here's a glance at this episode:

[02:37] Budgeting shows you what you can afford to spend, when you can reach your goals and so much more.
[09:27] When you set goals, you can start working towards those goals. Whether the goals are achieved timely or not, progress is being made.
[11:54] Tracking your net worth allows you to see how your financial situation has changed month over month or year over year.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 3 – Breaking Through the Stigma of Budgeting

Download the free Monthly Budget Overview Tracker

Let me create a budget plan for you!

Listen to Episode 50 – 10 Goals to Make the Most of Your Life in the New Year

What Happened After Tracking My Net Worth for a Year

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Tackling Taxes with Confidence with Duke Moore Jan 02, 2023

For most people, the thought of tax season is daunting – especially if you don’t understand what makes the most sense for your situation.

From a personal perspective, my tax situation is relatively simple, so TurboTax has always done the trick…not so much from a business perspective.

That’s why I’m so excited to talk with Duke Moore of Duke Loves Taxes about how entrepreneurs, content creators and business owners can tackle taxes with confidence.

Thanks to his easy-to-understand tax advice, Duke has helped thousands of people make the most of tax time! Here's a glance at this episode:

[06:00] Did you know you can become a QuickBooks pro? Duke (and myself) recommends QuickBooks for simple bookkeeping.
[25:10] Duke and I talk about tax mistakes entrepreneurs and content creators often make and ways to avoid those mistakes.
[31:15] Not sure where to draw the line with the write-offs for your business? Duke helps listeners understand what truly makes a write-off valid.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life. Resources mentioned in this episode:

Learn more about Duke or become a client.

Follow Duke on Instagram

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

How to Complete Your Year End Money Review Dec 26, 2022

If you’re listening to the City Girl Savings podcast in real-time, then you may have noticed a theme in the past few episodes – wrapping up the current year and preparing for the New Year!

Year-end closes and new year-starts have made a huge difference in reaching my goals, and these practices can help you too! In this episode, I’m walking you through understanding and completing your very own year-end money review. Listen in for tools and practices to improve your finances!

Here's a glance at this episode:

[05:05] It’s not just how much you spend, but how much you make too. Knowing your income matters!
[08:00] Avoiding overwhelm and where to start when it comes to expenses
[13:15] Make next year's money review even better! Brainstorming ways to improve your finances.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Download the Free Money Moves Packet

Struggling with your finances? Schedule a free financial focus call with me!

My Personal and Business Goals for 2023 Dec 19, 2022

During the last quarter of every year, I like to sit down and set my personal and business goals for the next year.

I reflect on goal progress and use the information to adjust and set my goals for the new year.

Whether I reach my goals or not, I always continue setting goals to work toward. As we approach 2023, I’m sharing my personal and City Girl Savings' goals for 2023. Tune in as I put my new years' vision out into the universe!

Here's a glance at this episode:

[01:32] My personal goals for 2023 and how I came up with them.
[07:29] Understanding the City Girl Savings business goals for 2023.
[13:39] Why businesses set higher targets and identifying the KPIs.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Check out the City Girl Savings goals for 2022!

Join the City Girl Savings Facebook Group (and help us reach our goal)!

Download the Free Money Moves Packet

Struggling with your finances? Schedule a free financial focus call with me!

How to Financially Prepare for the New Year Dec 12, 2022

2023 is fast approaching!

If I'm being honest, I absolutely LOVE this time of year. The New Year can be so inspiring and motivating. It's the best time for a fresh start and to get your momentum flowing! In this episode, I’m walking you through the things you can do to financially prepare yourself to make the most of the this season!

Here's a glance at this episode:

[02:16] Getting clear about your current financial situation.
[05:30] The power of setting your financial goals.
[08:15] Saving for your priorities and working towards what truly matters to you.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

The Best Way to Set Money Goals for the New Year

Save with a High Yield Savings Account. Synchrony or Ally are great options!

Listen to Episode 15 – My Debt Free Story and Takeaways

Listen to Episode 21 – Setting up your Own Financial Filing System

Download the Free Money Moves Packet

Struggling with your finances? Schedule a free financial focus call with me!

Fearlessly Chasing a Life You Love with Madison Anaya Dec 05, 2022

Life is incredibly short. We get this one chance to make it as amazing as possible.

I've done a lot of soul-searching in my life – and become very clear on what I want my life to look like. Every day, I make a conscious decision to do things that help me get closer to that dream life. Another woman doing the same is Madison Anaya of the Fearless Chase. In this episode, discover how you too can fearlessly chase a life you love.

Here's a glance at this episode:

[10:48] Navigating and releasing the fears of others
[18:00] Throughout life, “your definition of success will change.”
[26:45] Not sure where your limiting beliefs or unpopular opinions come from? Madison shares some tips to journal out those thoughts.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Madison on Instagram

Follow Fearless Chase on Instagram

Listen to Episode 10 about how I redefined success for myself.

Shop the Fearless Chase

Listen to the Fearless Chase Podcast

Download the Free Money Moves Packet

10 Goals to Make the Most of Your Life in the New Year Nov 28, 2022

Life goes by faster than we expect, which is why I always try to make the most of my time.

I think setting and working toward goals is a great way to make the most of your time.

In this episode, I’m sharing 10 different goals you can set to make the most of your life in the new year, or at any point in time!

Here's a glance at this episode:

[06:35] A personal goal that can make a huge difference on your journey to personal success.
[10:00] To build wealth, you need to save AND invest. Learn where to start.
[12:45] The power and positive impact of having a good mentor.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Read the Harvard Business Study about goal setting.

Listen to Episode 10 – Conquering the Fear of Failure and Redefining Success

Listen to Episode 4 – Why Mindset is Critical and How to Start Changing It

Download the Free Money Moves Packet

Get started with investing with Betterment.

Struggling with your finances? Schedule a free financial focus call with me!

Mistakes to Avoid When Paying Off Debt Nov 21, 2022

Coming from the girl who’s gotten herself into and out of debt multiple times, I know a thing or two about the debt payoff process.

Could now be the time you pay off your debt once and for all?

In this episode, I’m sharing some common mistakes to avoid when embarking on your debt payoff journey.

Here's a glance at this episode:

[03:40] You need a budget! Leverage your budget to help you determine how much you can realistically afford to put towards your debt.
[05:35] A recipe for disaster when working to pay down your debt.
[12:45] What to do once you pay your credit accounts off.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Let me create a budget plan for you!

Listen to Episode 15 – My Debt Free Story and the Biggest Takeaways

Download the Free Money Moves Packet

Leverage a high yield savings account for your emergency fund. I recommend Synchrony and American Express Bank.

Struggling with your finances? Schedule a free financial focus call with me!

Applying Profit First to Your Life and Business Nov 14, 2022

I read Profit First back in 2018 and it completely changed how I managed my business finances.

The beauty of Profit First is that it's centered around the notion of “paying yourself first”.

In this episode, I’m sharing how anyone can apply Profit First to their life and business.

Here's a glance at this episode:

[01:35] Understanding a few key points of the Profit First model.
[09:00] Don’t be afraid to start small! Even putting 1% away can add up over time.
[12:20] Learn how to determine your Profit First percentages.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Profit First by Mike Michalowicz

Download the Free Money Moves Packet

Listen to Episode 7 – 10 Biggest Lessons Learned from Running My Business

The Richest Man in Babylon

Estate Planning for Millennials with Attorney Crista Hermance Nov 07, 2022

There’s a misconception among young people that there’s no need to do any form of estate planning.

As tough as it is to think about our untimely passing or incapacitation, we have to deal with those thoughts and get a plan in place.

In this episode, I’m talking with Crista Hermance, attorney and founder of the Estate Planning Mom about what estate planning actually means and how millennials can take action today.

Here's a glance at this episode:

[04:56] What is an estate? Crista breaks down the basics of estate planning.
[16:50] Got bank accounts and retirement plans? Discover how to bypass the lengthy probate process.
[41:40] Have assets in multiple states? Crista explains how to protect all of your assets.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn more about Crista Hermance

Follow Crista on Instagram

Listen to the Planning Parent podcast

Download the Free Money Moves Packet

The Spooky Reality of Millennials and Money Oct 31, 2022

Halloween is one of my favorite holidays!

From Hocus Pocus to pumpkin spice lattes there are lots of fun and festive things to focus on, but there are also a number of scary things to discover!

In this episode I’m sharing the spooky reality of millennials and money, with statistics that will truly turn your stomach!

Here's a glance at this episode:

[01:45] The terrifying truth about how and why young adults spend there money
[04:15] The stagering number of people living paycheck to paycheck in America right now!
[06:10] Beyond the price of gas, the daunting impacts of inflation.
[09:03] Do you know what an ideal emergency fund amount should be?

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Read the CNBC Article with the statistics

Listen to Episode 31 – How I Combat the Competition Mindset

Download the Free Money Moves Packet

Listen to Episode 1 – Big City Spender to City Girl Saver

High-Yield Saving Account Recommendations: Synchrony, Ally, American Express Bank, Discover

How to Prep Your Budget for the Holidays Oct 24, 2022

Are you ready for the holiday season?

It's just around the corner and the earlier you can start planning, saving and preparing for, the better.

The holidays are meant to be fun, enjoyable, and stress-free. Not stressful and anxiety-inducing.

In this episode, Discover how to prep your budget for the holidays and keep your spirits (and bank account balances) high!

I’ll even be sharing some bonus tips to make the most of your holiday spending.

Here's a glance at this episode:

[03:25] Automatice savings transfers and how it can support you with holiday expenses
[06:10] Don’t let greed creep into your holiday spending plans.
[08:30] Support yourself and what not to do as you enter the holiday season!

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Did you know I create budget plans? Get yours today!

Download the Free Money Moves Packet 5 Reasons Not to Go Into Debt During the Holidays

Why You Need to Think About Retirement Now Oct 17, 2022

To all my millennial friends out there, the time to start thinking about retirement is now. And actually, that goes for everyone!

Trust me, I get it – the younger you are, the further way retirement seems. Who knows what life will look like then?

In this episode, I’m sharing why you need to start thinking and saving for retirement now and breaking down some numbers to help drive home my point.

Here's a glance at this episode:

[01:35] How contributing to my company’s 401k plan right out of college led to saving over six figures!
[02:21] Want to know how to be a millionaire at retirement time? Let's look at the numbers and make it happen!
[10:34] Can’t save for retirement through your job? There are other options!

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 1 – Big City Spender to City Girl Saver

How I Picked My 401k Selections

Download the Free Money Moves Packet

Need to Rollover your old 401k plans? Let Capitalize help you do it!

6 Negative Thoughts Hurting Your Money Situation Oct 10, 2022

I’m a firm believer in the power of the mind.

Think positive and positive happens. Think negative and negative happens. Whether you believe in the power of positivity or not, a shift in how you think about money or your situation can spark amazing change. If negativity is your go-to state of mind, it’s time to change things up.

In this episode, I’m sharing 6 negative thoughts that could be hurting your money situation so you can recognize those thoughts and turn them around.

Here's a glance at this episode:

[02:11] People have over 60,000 thoughts in a day. The impact of negative thoughts is greater than you think!
[05:40] Do you struggle with taking compliments? Discover what this could mean in the affect it has.
[07:32] Six negative thoughts that could be hurting your money situation. Ways to recognize them and make positive changes.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 4 – Why Mindset is Critical and How to Start Improving It

Listen to Episode 35 – Breaking Free of Broke Once and For All

Download the Free Money Moves Packet=

Listen to Episode 10 – Conquering the Fear of Failure and Redefining Success

Free 5-Day Money Mindset + Manifestation Challenge

Budgeting as a Single Mom with Dyana from Money Boss Mama Oct 03, 2022

I’m not a mama…yet. I mean, who knows what the future holds.

However, if I were a mom, I suspect my budgeting practices would be taken up a few notches to ensure my kiddos, my priorities, and my goals were covered!

That’s why I’m so excited to talk with Dyana from Money Boss Mama in this episode. Dyana shares how she budgets as a single mom, makes time for herself, and helps set her kids up for success.

For all the mamas out there in the City Girl Savings community, this one’s for you!

Here's a glance at this episode:

[04:28] The creation of Money Boss Mama.
[20:47] Savings and assets at an early age.
[32:00] Let budgeting be your liberation.
[37:20] Dyana gives her guidance for current and expecting moms.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Dyana of Money Boss Mama on Instagram

Follow City Girl Savings on Instagram

Download the Free Money Moves Packet

Get Dyana’s Free Training

Check out Dyana’s YouTube Channel

Check out the City Girl Savings YouTube Channel

Pulling Back the Curtain and Getting Intimate Sep 26, 2022

I’m actually a very private person. I've had this subconscious guard up for as long as I can remember.

In today's episode, I'm challenging myself to break down that wall, and get intimate about my life. I’m sharing stories from my past and how they’ve shaped me.

Why? So you can get to know Raya, founder of City Girl Savings, on a much more personal level.

It's because of the incredible City Girl Savings Community that I feel inspired willing to talk about anything. I hope you enjoy learning a little more about me.

Here's a glance at this episode:

[03:45] How a parent's actions shaped my view of trust in relationships.
[18:13] My first *almost brush with experiencing loss. Holding on to powerful advice.
[40:00] The benefits and value of therapy.
[49:14] What's coming next?

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Download the Free Money Moves Packet

Check out Episode 1 to learn how City Girl Savings came to be

You can also learn my start-up story

5 Reasons to Try a Savings Challenge Sep 19, 2022

If you take a second to think about it, challenges can be extremely effective!

You have someone guiding you through. You have other people participating, which increases accountability. You have new tools and ideas to do things differently.

Essentially, all the things you need to succeed.

In this episode, I want to focus on money saving challenges and why you should give them a go. I’m sharing 5 reasons to try a savings challenge.

Here's a glance at this episode:

[02:15] One of the biggest benefits of participating in a savings challenge is the extra accountability you get from everyone participating.
[04:05] Community can have a major impact on how people take action. The support, accountability and motivation can keep you going.
[09:12] There’s nothing to lose and nothing at stake when it comes to a savings challenge, so why not give it a go?!

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Join the free 8-week Frugal Fall Savings Challenge

Join the City Girl Savings Facebook Group

Follow City Girl Savings on Instagram

How to Stay in Budget While on Vacation Sep 12, 2022

Honestly, there’s no better feeling than taking a vacation, not worrying about money and coming home knowing your bills are taken care of.

I’ve experienced traveling that way. I’ve also experienced traveling where money is a constant stressor both during and after the vacation.

To make the most of any trip, I plan the financial before, during and after. Since I’m fresh off a vacation and I stayed in budget, I want to share with you my best practices for staying in budget while on vacation.

In this episode, you’ll hear how I manage to stay in budget whenever I travel and hopefully it will help you stay in budget while on future vacations!

Here's a glance at this episode:

[02:22] I share a story about a financially stressful travel experience and how its helped me realize how much better planning and saving for a vacation can be.
[04:45] Asking yourself the right questions before your trip can help you set the right budget to stick to when you’re on the vacation.
[10:20] Common areas that add up while on vacation are food and drinks. Be realistic with the numbers you set and save for this while on vacation.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 30: Vacation Planning on a Budget

Join the free 8-week Frugal Fall Savings Challenge

Money and Mental Health: A Real Conversation with Lisa Sep 05, 2022

Mental health is a serious matter, and it’s an incredibly hard topic to talk about. There is also a direct correlation between money and mental health.

In this podcast episode, I’m talking with Lisa (who has wished to keep her identity private) about her struggle with money and mental health.

Lisa talks about the impact her mental health struggles have had when it comes to money, budget, career and more.

Dealing with mental health issues is hard enough, but the added layer of money can make it nearly impossible. Know that if you struggle with mental health, you're not alone. There are resources available and City Girl Savings is absolutely one of them!

I'm so glad you're here!

Here's a glance at this episode:

[12:00] The best money education Lisa has ever received.
[23:39] Prioritizing mental health and making bold requests of your employer.
[34:00] How to ask for help and get the support you need.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Schedule a free financial focus call with me

Learn more about my 1-on-1 money coaching program

Join the free 8-week Frugal Fall Savings Challenge

Download the Free Money Moves Packet

Reach out to your HR contact to learn about any Employee Assistance Programs available to you.

How Practicing Delayed Gratification Sets You Up for Financial Success Aug 29, 2022

Delayed gratification is the ability to say “no” to current wants in the present in order to say “yes” to true desires for the future. Essentially, it’s your willingness to practice self-restraint towards the things that you currently want because they don’t help you achieve your future goals.

I’ve implimented this practicing for years now, and it’s been a total game changer in the success I’ve experienced. In this episode, I’m sharing how practicing delayed gratification sets you up for financial success.

Here's a glance at this episode:

[03:24] The powerful impact of practicing delayed gratification!
[07:21] Simple ways to practice delayed gratification.
[09:23] Building your delayed gratification muscle!

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Understanding Your Spending Triggers

Download the Free Money Moves Packet

Delayed Gratification for my new Lexus

Putting More of You Into Your Branding Aug 22, 2022

Believe me when I say nothing sells better than YOU!

I used to hide behind the City Girl Savings brand. Instead of putting my name and face out there, I’d act as if I was The CGS Team. I never let anyone see or hear from me…from Raya.

It wasn’t until I started coming out of the shadows that my business truly started to take off. That's why in this episode, I’m sharing how you can put more of YOU into your personal or business branding.

Here's a glance at this episode:

[03:42] What does it look like to put yourself into the mix?
[05:22] Using your thoughts as nuggets and sprinkling in your own experiences.
[07:16] How to start sharing more about yourself

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow City Girl Savings on Instagram!

Download the Free Money Moves Packet

Breaking Free of Broke Once and For All Aug 15, 2022

I need to stress something for a second… being “broke” is not something anyone should speak into their life. We are what we think about, and if we’re constantly thinking we’re broke or don’t have enough, that becomes our truth.

What if we try something different, and choose the belief say I am a work in progress!

Outside of removing “broke” from your vocabulary, in this episode, I’m sharing how you can break free from broke…once and for all!

Here's a glance at this episode:

[02:35] 5 signs you shouldn’t be as broke as you are.
[04:05] Taking ownership of your spending to gain back control of your money.
[09:32] A budget as a tool to understanding your situation and determining spending limits.
[11:00] Shifting mindsets and focusing on the solution.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Should You Really Be Living Paycheck to Paycheck?

Download the Free Money Moves Packet

Episode 3 – Breaking Through the Stigma of Budgeting

Need a budget plan? Let me create one for you!

How to Be Intentional with Your Money Aug 08, 2022

At the end of the day, it’s not about how much money you make…it’s about how intentional you are with your money.

A person who makes a lot but spends a lot is less effective than the person who makes less while also spending less. Regardless of how much you make, as long as you’re intentional with your money, you will see results.

Are you thinking through each purchase? Are you leveraging your money to get ahead?

In this episode, discover how to get ahead by being intentional with your money.

Here's a glance at this episode:

[05:07] Knowing your financial status, and the gift of a budget.
[09:27] Overcoming the temptation to spend to ulitately curb the desire to spend.
[11:56] Setting intentional money goals to stay on track and make the self-supporting financial decisions.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Download the Free Money Moves Packet

Episode 6 – How I Curbed My Desire to Spend

Episode 11 – The Power of Visualization to Help You Reach Your Goals

The Best Way to Set Your Money Goals

Leveraging Social Media to Your Advantage with Ebony Smith Aug 01, 2022

Social media has been a true game changer! In fact, there’s a whole industry around influencer marketing that has made regular people very wealthy.

Whether you want to be an influencer or not, social media can be leveraged to help build your personal brand, or the brand of your business.

In this episode, I’m speaking with CGS client turned business owner Ebony Smith. Ebony took her social media marketing business full time last year and has been leveraging it to transition her business into offering CEOs operational support. Today, Ebony shares tips and tricks to help anyone utilize social media to their advantage.

Here's a glance at this episode:

[15:40] There is such a thing as posting too much content! How to not overdo it with your audience.
[22:20] Social media as a catalyst for long-lasting relationships, both personal and business.
[36:00] A budget-friendly work around to consistent and automatic social media posting.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Ebony on Instagram

Get on Ebony’s Newsletter!

Download the Free Money Moves Packet

Why You Shouldn’t Focus Too Much on Your Credit Score Jul 25, 2022

At some point in time or another, most of us have been obsessed with looking at our credit score. Thanks to Credit Karma or monthly score tracking, keeping tabs on our credit scores is easier than ever. While I do think knowing your credit score at all times is beneficial, I don’t think it’s as important as people make it out to be.

In this episode, I’m sharing why you shouldn’t focus too much on your credit score number, but instead focus on the things that really matter when it comes to your credit.

Here's a glance at this episode:

[01:35] What is a Credit Score?
[03:33] Knowledge is power. The importance of reviewing your credit report.
[06:45] Best practices for improving your Credit Score
[10:10] Maintining credit history, to increase your credit scores.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Download a free copy of your credit report from www.annualcreditreport.com

Download the Free CGS Money Moves Packet

Use companies like Credit Karma or MyFICO to track your scores

Take credit monitoring to the next level

How I Combat the Competition Mindset Jul 18, 2022

With the rise of social media, we have a direct line of sight into the lives of our favorite celebrities, influencers, and even our peers in life and business.

This can be dangerous.

Seeing what other people have can bring up feelings of jealousy, inadequacy or a slew of other negative emotions.

Over the years, since starting City Girl Savings, I’ve managed to combat the competition mindset that comes with seeing what others are doing. In this episode, I’m sharing the best practices I use to help you combat jealousy and stay inspired by others!

Here's a glance at this episode:

[01:41] Becoming comfortable with yourself and your value in this world.
[05:00] How to avoid the competitive mindset with peer businesses and those in a higher position.
[10:50] Keeping the focus on where you’re going and where you want to be.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 4 – Why Mindset is Critical and How to Start Changing It

Join my free 5-day Money Mindset + Manifestation Challenge

Download the Free Money Moves Packet

Vacation Planning on a Budget Jul 11, 2022

If you're like me and love new experiences or visiting new places, then this episode if for you!

I’ve learned over time that I find so much joy exploring new places, new foods, and new cultures. And the more I travel, the more I want to travel.

As a money coach, I know the importance of budgeting for a vacation. Today on City Girl Savings, I’m sharing how I plan and save for travel, and some of my favorite budget friendly vacation destinations.

If you want to travel but you’re worried about your budget, I’ve got you covered!

Here's a glance at this episode:

[02:16] Tickets FIRST
[07:50] The importance of budgeting ahead so you can save accordingly.
[11:50] Top tips for planning a vacation on a budget.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Hopper, flight-price tracking

American Airlines and Southwest Airlines rewards programs

Marriott Bonvoy Rewards

American Express Marriott Bonvoy Card

Orbitz and Expedia for hotel searches

Enterprise Rewards

Viator for activities while on vacation

High yield savings account recommendations: American Express Bank and Synchrony

Use Digit to save for travel (get $5 on me)!

Recognizing and Embracing Life's Pivots with Bailey Lang Jul 04, 2022

My life did not go according to my original plan. But you know what? I’m not alone!

A lot of people experience unplanned changes. Being able to recognize when you need to pivot and then embrace that, is key to keeping spirits high.

Today’s guest Bailey Lang of The Writing Desk shares how she has adapted to changing circumstances with grace and ease. Life has thrown Bailey some major curveballs, and she’s been able to catch them to create a life that brings her joy.

Dicover how you can too!

Here's a glance at this episode:

[11:25] Bailey shares what she learned about herself through the lose of her husband.
[19:50] Challenging the fear of starting a business and not knowing if it will work.
[32:50] Bailey's tips for those who struggle with embracing change.
[42:55] Getting ahead in taxes to sustain your dream of self-employment

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn more about The Writing Desk

Join Bailey’s free email challenge

Download the CGS Money Moves Packet

Episode 11: The Power of Visualization to Help You Reach Your Goals

How to Stop Holding Yourself Back with Money Jun 27, 2022

Do you feel like you should be further along in your financial journey or wishing your money situation was different?

Not to sound too harsh but, what are you doing about it?

The cold hard truth is that you, and only you, are responsible for how things turn out in your life and in your finances. You have the power to free yourself from your money situation. It's of course easier said than done, but that doesn’t mean it can’t (or shouldn’t) be done.

Check out this episode for a few great ways to stop holding yourself back with money and start getting ahead.

Here's a glance at this episode:

[04:04] The importance of discomfortable for transformation.
[07:49] Getting clear on what you want out of life.
[10:05] The power of reframing your thoughts

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Check out the Life Coach School Podcast for mindset help

Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective

Learn more about my 1-on-1 financial coaching program

Make Money Breakthroughs Possible with These 3 Things Jun 20, 2022

Have you been struggling to get to the next level in your finances and finally break free with your money?

I firmly believe there are 3 things EVERYONE must know to breakthrough with their money and start seeing the progress they truly want. Money management is about knowing where your money is going and why. You are able to control what your money does at all times, putting you in the driver seat towards your dream life.

So, how do you manage your money the right way? Listen to this podcast episode to learn what it takes!

Here's a glance at this episode:

[01:45] Three things you need to break through with your money.
[08:11] Understand your financial situation: three forms of reviews
[11:11] The 50-30-20 budget rule: a simple money framework.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode #3: Breaking Through the Stigma of Budgeting

Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective

Learn more about common budgeting methods

7 Money Management Rules that Changed the Game for Me Jun 13, 2022

I’ve been in the personal finance game for a long time, and I have plenty of experience with what does and doesn’t work.

There are certain money management principles that always hold true for me. When I started following them, things began shifting for better!

Learn all seven money management rules that have changed the game for me in today's episode of City Girl Savings!

Here's a glance at this episode:

[06:40] spending money you don’t have, on things you don’t need, will likely result in debt.
[10:04] How to do the right things with the money we make, no matter how much it is.
[13:27] What is investing? It doesn’t take much to get started!

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get your copy of The Richest Man in Babylon by George Clason

Listen to Episode #14: Mapping Your Path to Millions

Listen to Episode #15: My Debt-Free Journey and the Biggest Takeaways

Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective

Listen to Episode #6: How I Curbed My Desire to Spend

Listen to Episode #1: Big City Spender to City Girl Saver

Get started investing with Betterment, Robinhood or Public

Need a budget plan? Let me create one for you!

How Financial Coaching Changed her Life with Vanessa Garcia Jun 06, 2022

Agreeing to get financial coaching can be really difficult, maybe even scary. However, I invite you to try seeing it as an investment to improving your financial situation!

Recent City Girl Savings coaching graduate, Vanessa Garcia is a Gen-X Latina out of New York City. Today, she shares her financial coaching experience and how it changed her life.

Through tailored guidance, resources, and accountability, Vanessa paid off most of her debt, boosted her credit score, and set herself to get her own place!

Learn from Vanessa how investing in financial coaching can truly pay off!

Here's a glance at this episode:

[12:00] Codependency is real and can keep women stuck. How does this happen, and how do you break free?
[28:15] Intimidation free budgeting: what it looks like and how to realistically impliment it!
[38:10] How a financial coaching program changed Vanessa's life, and how it could change yours.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Vanessa on Instagram (she’ll answer any questions you have).

Schedule a Free Financial Focus Call with Me

Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective

Learn more about my 1-on-1 Financial Coaching Program

Read other Client Testimonials!

18 Ideas to Save More Money May 30, 2022

Saving money isn't just putting money in a piggy bank!

In fact, there are so many different ways you can cut back on spending. Sometimes, we just need a little inspiration!

From using GoodRX for all your prescriptions, to utilizing credit card benefits, today I'm sharing 18 different ways you can save.

Let's get started!

Here's a glance at this episode:

[02:09] The credit cards that I love to use for travel, thanks to no foreign transaction fees, are American Express Bonvoy and Citi Premier.
[04:06] Don't let one-click purchases kill your budget!
[08:05] Have you heard of a high-yield savings account?
[09:40] Reduce clutter in your home AND make extra money!

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

My favorite rewards credit cards: American Express Bonvoy and Citi Premier

Download the CGS Money Moves Packet

My favorite high-yield savings accounts: Synchrony and American Express Bank

How to Use Poshmark to Make a Profit

How to Get One Month Ahead on Bills May 23, 2022

The paycheck-to-paycheck lifestyle can be incredibly hard to get out of. Unfortunately, living this way leaves no room for emergency expenses or error.

Let's break free of this cycle together, taking it one month at a time!

We'll look at how to create your budget, what to include, and getting clear on all your monthly expenses.

Break out of the paycheck-to-paycheck living with tools from today's episode of The City Girl Savings Podcast!

Here's a glance at this episode:

[01:40] Knowing your monthly income and expenses is a powerful tool.
[03:45] How a high yield savings accounts can help.
[06:30] The importance of saving.
[07:11] You did it, so what's next?

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Need a budget plan? Let me create one for you!

Or, download my free Monthly Budget Overview Tracker

Download the CGS Money Moves Packet

My favorite high-yield savings accounts: Synchrony and American Express Bank

What It Means to Be a Financial Feminist with Kara Perez of Bravely Go May 16, 2022

“Financial Feminist” has become an increasingly popular and widely used term these past few years, but what does it actually mean?

Kara considers herself a proud “financial feminist” and explains what it means to be one. Learn about the role society plays in women and POC’s money decisions. Discover how to prioritize your well-being and how non-POC can help promote financial equality. This episode is rich in content and experience!

Don't miss out on Kara’s story and her incredible insight!

Here's a glance at this episode:

[10:15] Shifting the focus and freedom from debt.
[17:35] The importance of prioritize your own well-being.
[28:22] Leaving shame at the door and starting money conversations.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Bravely Go on Instagram

Follow Bravely Go on TikTok

Save your spot in the 2022 Financial Feminist Summit

Download the CGS Money Moves Packet

Setting Up Your Own Financial Filing System May 09, 2022

HerMoney founder Jean Chatzky did a study on the correlation between financial organization and being financially well off. She found that 72% of the financially organized were financially well off.

That’s more than enough reason for to get a financial filing system in place!

Learn about document timelines, filing options, and protecting your documents. Being organized puts you more in control of your money!

Here's a glance at this episode:

[01:30] Statistical studies show that financial organization leads to better money management control.
[03:53] Timelines for keeping or tossing financial documents.
[09:11] Benefits to virtual filing systems.
[09:50] Establishing a routine for processes and filing documents.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Read “Get a Financial Life” by Beth Koblinger

Learn more about Jean Chatzky

Download the CGS Money Moves Packet

Check out Your Guide to Organizing Financial Documents

Breaking Generational Money Curses with Lea Landaverde May 02, 2022

I don’t know about you, but I wasn’t part of the elite few who learned how to manage money at an early age. I had to learn the hard way, and so did Lea Landaverde.

Lea shares grew up in an immigrant family with money burdens put on her at a young age. Hear her perspective on the role society plays in keeping minority people oppressed, and what those people can do to start changing their situation.

Discover how you can improve your financial situation, set boundaries, and drive positive change. If you want to break through money curses that stem from your family, you don’t want to miss this impactful conversation!

Here's a glance at this episode:

[22:40] Traumas, will they hold you back or fuel change for the better.
[31:00] How to set and follow boundaries with family who constantly ask or expect financial help.
[50:00] How people who improved their financial situation can help drive change with the money they make.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Lea on Instagram

Listen to the Mi Riqueza Podcast

Join the Riqueza Club

Download the CGS Money Moves Packet

Want to follow POC influencers? Check out Episode #9: 6 People of Color in the Finance Space to Keep an Eye On

Is Starting a Business Really for You? Apr 25, 2022

After COVID-19, our society has seen a huge spike in people quitting their day jobs and starting side hustles or new business altogether. But just because society is heading in that direction doesn’t mean that starting a business is for everyone – and that’s okay!

There are a few questions you can ponder over to decide if starting a business really is the right move for you.

Is there’s anything you’re skilled at or passionate about that can make you money? Can you take on starting a business right now? Get honest about your situation.

Just because a business may not be in the works right now doesn’t mean it won’t be a good option for you in the future!

Here's a glance at this episode:

[03:00] Although I had a business idea before City Girl Savings, it never came to fruition. Things happened the way they were supposed to.
[03:54] 5 questions to determine if starting a business is the right move for you…now or in the future.
[10:15] Do what brings you the most joy and happiness, not what society pushes on you.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Looking to start a business? Learn more about my Business Coaching Program!

Download the CGS Money Moves Packet

Check out Episode #7: 10 Biggest Lessons I’ve Learned from Running My Business

Want to know what money moves to make before starting a business? This CGS article will help.

5 Mindset Shifts that can Change Your Life and Money Apr 18, 2022

While we can’t control outside factors, we can control how we think and react to things that happen in our lives. Making the shift to a positive mindset many years ago has helped me feel the happiest I’ve ever felt.

Specific mindset shifts can have a positive impact on not only your life, but also what you do with your money.

If you’re not sure where to start, this episode can make all the difference. Watch how your life and money change as you make a conscious effort to truly shift how you think!

Here's a glance at this episode:

[01:31] You have a choice.
[02:20] Appreciating the money you currently have.
[04:10] Removing specific terms from your vocabulary.
[07:55] Focus on the distance between you and achieving your life and money goals.
[09:16] Perspective. When things don’t go according to plan, look at them as a lesson, not a loss.
[11:40] Practicing gratitude daily.

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This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode #4: Why Mindset is Critical and How to Start Improving It

Download the CGS Money Moves Packet

Get Your Start Today Journal

Why Your Budget Should Always Include the Things You Love Apr 11, 2022

A budget is the number one tool for financial success.

No matter how much money you make, or how little money you make, you absolutely need a budget to manage that money properly.

When you know you can afford to spend money on fun things, you won’t feel bad for doing so.

Here's a glance at this episode:

[01:25] Learn to take the emotion out of budgeting. A budget is simply a tool that provides you with information on what should be happening with your money.
[02:40] When creating your own budget, it’s important to make sure all of your bills, responsibilities and priorities are covered first.
[10:30] Don’t be afraid to experiment with your budget month over month. Look at each month as a fresh start to find a money routine that works for you.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode #3: Breaking Through the Stigma of Budgeting

Download the CGS Money Moves Packet

Let me create a budget plan for you!

The Power of Systems in Life and Business with Jennifer Hill of The Hill-Top Services Apr 04, 2022

Jennifer Hill, founder of The Hill-Top Services, founded her virtual assistant company to help small business owners and entrepreneurs.

Jennifer talks about what prompted her to start her business and become a full-time entrepreneur, tips and tricks to make routines a breeze and some of her favorite resources for the systems in her own life and business. Hint: she’s big on writing things down!

Tap into the power of systems for your life or business with today’s episode!

Here's a glance at this episode:

[03:14] Jennifer shares her experience starting The Hill-Top Services and the tipping point that encouraged her to take the leap to full-time entrepreneur.
[17:14] Pen and paper never disappoint! Jennifer shares how writing things down makes all the difference in her own systems and routines.
[29:29] Jennifer and I discuss why the focus should be on setting up processes in your business, not on constantly marketing to get more clients.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn more about The Hill-Top Services

Follow The Hill-Top Services on Instagram

Download the CGS Money Moves Packet

Get the Balance App today!

Set up your own Google Drive account

My Debt-Free Story and the Biggest Takeaways Along the Way Mar 28, 2022

Did you know millennials carry an average credit card debt amount of about $4,600?

I’m proud to say that I’m credit card debt-free, but that wasn’t always the case. In fact, I had gotten myself into tens of thousands of dollars in debt multiple times. It took years and thousands of dollars to undo the damage. Today, I’m sharing some of my biggest takeaways from the experience.

Here's a glance at this episode:

[02:10] Credit limit increases can be dangerous territory as they give you a false sense of security that can lead to more spending.
[04:31] Learn from my mistake…making minimum payments and continuing to use credit cards, combined with interest fees, can quickly take you over the credit limit.
[06:52] If you’re not careful with your credit card usage, it can take minutes to overspend and accumulate debt, and then take years for you to get out of the debt payoff cycle.
[08:49] If you do not get to the root cause of your overspending, you will end up back in debt.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get a free annual copy of your credit report at www.annualcreditreport.com

Download the CGS Money Moves Packet

Need to organize your debt? Get the CGS Debt Reduction Kit today!

Mapping Your Path to Millions Mar 21, 2022

I’m not a millionaire…YET!

But, it’s something I’m actively working on and it’s something that is realistic for everyone. It may be harder for some people compared to others, but it is possible.

There are 8 steps that everyone can take to work towards millionaire status.

Step 1: Affirm your million-dollar savings goal.

Step 2: Reduce your negative “profit margin”.

Step 3: Live a life of frugality.

Step 4: Ask for a raise (or start making more money).

Step 5: Start investing.

Step 6: Remember, your 401k is an investment.

Step 7: Change your circle of influence.

Step 8: Stay consistent and be patient.

Anything worth having is worth working for. Don’t give up until you reach you millionaire status!

Here's a glance at this episode:

[06:28] Increasing your profit margin over time is the goal. The more you have leftover after your bills are paid, the more you can save and invest to get to the million dollar milestone.
[11:13] Investing is one of the best ways to reach a million dollars, especially if you’re getting a later start with your savings.
[15:12] Leverage an online calculator to help you determine what you need to contribute towards retirement.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Start investing with Betterment

Save your spot in the Launch Your Business Intensive!

Merrill Lynch Retirement Calculator

7 Questions to Ask to Determine What You Want Out of Life Mar 14, 2022

When you feel like you have a sense of purpose in your life, you wake up each day full of gratitude and a fire to work towards that purpose.

I want you to look up and realize that you’ve achieved or you’re working to achieve everything you want out of life.

Here are seven questions to ask yourself to determine what you want.

Here's a glance at this episode:

[01:53] First question to ask yourself is what you want to be doing in retirement. What does your life look like then?
[07:14] Fourth question to ask is what your core values and beliefs are. These will help you make decisions throughout your life.
[10:11] Your final question to ask will help you determine how you should plan your life. Are you more spontaneous or structured?

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Take the Love Language quiz

Save your spot in the Launch Your Business Intensive!

Check out the City Girl Savings Core Values

An Introduction to Travel-Hacking with Elina Geller of The Miss Miles Mar 07, 2022

Elina Geller of The Miss Miles is a travel rewards coach who helps women travel the world in luxury, for next to nothing!

Elina herself used travel hacking to fly her and her mom to London, at no cost. She used it to travel business class from Amsterdam to Texas to attend FinCon. Every time she flies, it’s on points.

Elina shares her tips for racking up the most points possible in preparation.

Elina and I also spend time talking through the importance of traveling and how it truly does broaden a person’s perspective. When you travel, your mind becomes more open to what’s outside of your normal place and routine.

Here's a glance at this episode:

[04:30] Elina takes the time to break down travel-hacking so that everyone can understand the concept.
[07:37] Elina shares how many countries she’s traveled to (and it’s a lot) along with some of her favorite places to visit.
[26:26] Leverage a “points mule” to help you rack up points in preparation for a trip you want to travel-hack.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Elina on Instagram

Interested in her offer?! DM her on Instagram to learn more!

Earn 75,000 bonus points with the Amex Bonvoy Card!

Save your spot in the Launch Your Business Intensive!

The Power of Visualization to Help You Reach Your Goals Feb 28, 2022

A few years ago, I took the Strengths Finder test to have a better understanding of myself. One of my top strengths is “Futuristic”.

This means I’m inspired by the future and what could be, essentially visualization.

Visualization is your ability to imagine things and see it in your mind. It doesn’t necessarily tell you HOW to get to what you’re visualizing, but it does open your mind to what’s possible. Once you see it, you can believe it. Once you believe it, you can achieve it!

Here's a glance at this episode:

[02:01] I started using visualization at a very young age. I would visualize myself becoming an actress, accepting awards and visiting the red carpet.
[04:04] Not sure how to visualize? Start with your goals! Imagine what life would look like when you’ve achieved those goals.
[08:00] I’m sharing a few resources and tips to help you tap into the power of visualization. Whether you’re able to visualize now or not, these tips will help at every level.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Take the StrengthsFinder Test

Download the CGS Money Moves Packet

Future You Exercise

Conquering the Fear of Failure and Redefining Success Feb 21, 2022

Have you ever had a dream but your fear of failure kept getting in the way?

When I decided to pursue City Girl Savings full-time fear reared its ugly head. I sought out the skills, tools, and resources I needed to not allow fear to stop me.

Reading “The Power of Now”, journaling, asking questions and truly seek the answers, and daily affirmations are powerful resources for me.

Journaling about my fear of failure lead to this realization:

I get to define “Failure” and I could never be a failure because of all that I’ve done up until this point. Unless I’m dying or on the verge of dying, this “fear” I have is unnecessary. I also shifted from society's view of success to what a successful life really looks like for me.

What I realized: I’m already a success!

Here's a glance at this episode:

[04:55] I break down a journal entry I had years ago that shows my fears as thoughts and how I shifted the narrative as I was journaling those worries.
[07:45] After reading The Power of Now, I was able to have conversations with myself and ask questions to get to the root of my thoughts.
[12:30] The true way to kick the fear of “failure” in the butt is defining what failure means to you and making sure you never get to that place.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

The Power of Now by Eckhart Tolle

Get your Start Today Journal

Download the CGS Money Moves Packet

6 People of Color in the Financial Space to Keep an Eye On Feb 14, 2022

February is Black History Month, so I want to shed light on some individuals in the finance space who constantly inspire me. These individuals are all people of color too!

Tonya Rapley is the founder of My Fab Finance, Club Loofah and the non-profit organization Maternal Health and Education Project.

Carter Cofield is a CPA and founder of Cofield Advisors. He helps creatives reach financial success through a variety of services and offerings.

Patrice Washington has created an entire brand around faith, life and money. She is also the host of the Redefining Wealth podcast a successful coach for women.

Ash Cash Extanus is one of the nation’s top financial educators. He’s been featured in multiple outlets and takes a culturally responsive approach to his financial teachings.

Koereyelle is a multi-business owner and brand-building coach. She helps teach black women how to make everyday a pay day through her Werk University program.

Rachel Rodgers is an author, intellectual property coach and founder of Hello Seven. Their mission is helping women make 7 figures per year without sacrificing family, health or sanity.

Here's a glance at this episode:

[01:04] Kicking off our list with an inspiring businesswoman. Tonya Rapley has created multiple businesses over the years and continues to make women’s lives better.
[08:59] Wrapping up our list is Rachel Rodgers, who helps women create seven-figure businesses while living a life they love.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Tonya Rapley on Instagram

Follow Carter Cofield on Instagram

Follow Patrice Washington on Instagram

Follow Ash Cash on Instagram

Follow Koereyelle on Instagram

Follow Rachel Rodgers on Instagram

Download the CGS Money Moves Packet

How to Get Started with Investing with Andre Albritton of TMND Feb 07, 2022

While I don’t think investing in the stock market is the only way to build wealth, I think it’s one of the best ways to build wealth!

Today’s guest is Andre Albritton of The Millennials Next Door and he’s going to share how anyone, regardless of their income situation, can get started with investing! Learn what got Andre started in investing and how he turned it into a growing side hustle.

Andre explains the different types of investments and shares how you can get started!

Don’t forget that your retirement plan is a form of investment! It’s one of the best forms of long-term investing.

Here's a glance at this episode:

[12:45] Andre shares when to prioritize debt pay-off over investing, and how to make sure it’s financially strategic.
[16:08] Andre breaks down how to figure out what amount people should be investing.
[27:27] Andre shares some of his favorite investing platforms and why. There are a lot of options out there, so don’t be afraid to experiment!

If you haven’t done so already, subscribe to the podcast. So many great episodes are on the way and, if you’re not subscribed, there’s a good chance you’ll miss out. Subscribe now!

Resources mentioned in this episode:

Visit The Millennials Next Door blog

Learn to invest with TMND University

Follow Andre on Instagram

Get started investing with Betterment or open an IRA

Get started investing with Robinhood

Get started with investing with Public

Download the CGS Money Moves Packet

10 Biggest Lessons Learned from Running My Business Jan 31, 2022

City Girl Savings just celebrated its 7th birthday! There were plenty of ups, downs, and everything in between. Let's look at some some of the life changing and valuable lessons learned along the way!

10 Top Lessons Learned

#1 – Be open to change!

#2 – Grind through the slow times.

#3 – You never know when the next sale is coming.

#4 – Don’t be afraid to let go of some responsibility.

#5 – No one will love your business like you do.

#6 – Invest in your knowledge and growth.

#7 – Always remember your why.

#8 – Try new things to get different results.

#9 – There’s more than enough to go around.

#10 – “Overnight success” takes years.

Here's a glance at this episode:

[01:30] Flashing back to seven years ago when the City Girl Savings blog, website and community was officially launched.
[01:55] I dive into the 10 biggest lessons that I have learned over the span of the 7 years that City Girl Savings has been up and running.
[11:48] The 8th lesson I’ve learned and why it’s been such an important aspect of the success of my personal and professional life.

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“I love Raya and City Girl Savings!”

How I Curbed My Desire to Spend Jan 24, 2022

Before City Girl Savings, there wasn’t anything I wouldn’t spend my money on.

I would constantly be out shopping.

After facing a potential eviction, I was forced to get my spending in check. There’s a different level of drive when you’re forced to do something!

I learned that I’m a natural-born spender, so I have to always be mindful and prioritize what’s important. I shifted my focus to the things that mattered most to me.

I started setting and achieving goals. Anything that wasn’t helping me get closer to my goals wasn’t important and didn’t need money dedicated to it.

Start getting clear on what matters most to you! Focus on those things and you’ll find the desire to spend when you don’t need to slowly subsides!

Here's a glance at this episode:

[01:20] There were two specific times in my life where I had to curb my desire to spend. One of those times, I had no choice. The other, I made the conscious effort.
[06:53] I learned an important lesson about myself – I’m a natural-born spender. I can always find something to spend my money on.
[11:50] Keeping my goals front and center allows me to constantly remind myself that I shouldn’t overspend, especially if it’s going to be at the expense of my goals and dreams.

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“I love Raya and City Girl Savings!”

How to Make More Inclusive Financial Decisions Jan 17, 2022

Whether you’re a person of color or not, there are things we can all do to lift up and support those who need it more than others.

In today's episode we'll look at:

The severity of racial inequality and its financial impact.
Why people of color stand at a disadvantage, whether it’s the working class or business owners.
How you can make more inclusive financial decisions and make a difference to those who need it most.

From financially supporting BIPOC-owned businesses, to following and sharing financial influencers who are people of color, to donating to organizations that work to improve racial inequality, you can be part of making a difference!

Here's a glance at this episode:

[01:20] Why I identify as a person of color and how I vow to keep the hard conversations going, so true change can take place. My door is always open.
[03:50] I share a handful of ways that people of color and non-people of color can make more inclusive financial decisions to help drive equality.
[07:34] Organizations I’ve found that help drive change. These organizations are near and dear to my heart and a great place to start when finding organizations to donate to.

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“I love Raya and City Girl Savings!”

Why Mindset is Critical and How to Start Improving It Jan 10, 2022

The way you think about things determines how you feel and react to those things. Those reactions, whether they’re good or bad, determine your outcome and results.

Most of the population isn’t aware of how they think, so if that’s you, we’re changing it as of right now!

I'm going to share my favorite mindset tips and how to counter negative thoughts with positive ones.

Here's a glance at this episode:

[04:20] If you’re not aware of your mindset and how you think, you could be doing things that don’t help you reach your goals or your dream life.
[09:33] How to start changing your mindset and thoughts with an activity that helps you counter negative thinking.
[11:52] Tools, resources and recommendations on things that helped me change my mindset and become a more self-aware individual.

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“I love Raya and City Girl Savings!”

Breaking Through the Stigma of Budgeting Jan 03, 2022

There’s no denying it – there’s a stigma around budgeting. The truth is though, a budget is simply a tool that tells you what money is coming in, what money is going out, and what money is left over. In today's episode, learn how to reframe your view of a budget and harness it to create financial freedom. Take control of your money and make great things happen!

You can download my free Monthly Budget Overview Tracker to get your numbers into a good format for brainstorming!

Here's a glance at this episode:

[03:35] How to take a logical approach when thinking about budgeting – this is the first step to breaking through the budgeting stigma.
[08:54] Ideas to help you reframe your thought pattern when it comes to budgeting.
[13:43] How to create your own simple, logical budget – steps you need to create a simple budget, so you know how to move forward.

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“I love Raya and City Girl Savings!”

How Planning Changed Her Life with Alaina Fingal of The Organized Money Jan 03, 2022

Did you know that planning your life and your money go hand in hand!?

Alaina Fingal is an accountant, certified financial coach, author, and founder of The Organized Money. She has made it her mission to help people plan a life they love! Alaina will help you identify the things that matter most to you! Learn how to leverage a “hybrid” approach to planning – using both digital and physical resources to get the most of your planning efforts. Take control of your finances and set yourself up for the life you want!

**Alaina is giving CGS Podcast listeners the chance to join The Organized U at a discount! This special lasts through January 31, 2022.

Here's a glance at this episode:

[08:55] Learn the best tips for getting started with planning when you have no idea where to start.
[27:26] How to make using a physical planner more consistent or opting to go digital for your planning needs, and the pros and cons of each. Leverage a “hybrid” approach to get the best of both worlds.
[39:00] The importance of planning summed up in one sentence.

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“I love Raya and City Girl Savings!”

Big City Spender to City Girl Saver: How City Girl Savings Came to Be Dec 11, 2021

Welcome to The City Girl Savings Podcast, a weekly discussion focused on the intersection of money and the city girl lifestyle! On the podcast I'll be sharing my experiences, advice and guidance on navigating life and money as a city-loving millennial trying to build wealth and enjoy life at the same time!

Like most people, I didn’t learn about money and finance until I experienced it for myself. It’s not like they teach this stuff in school!

You may or may not know this, but I've been running City Girl Savings since 2015.That's a LONG time...but before that, I was taking a completely different path with my money.

After my financial (and personal) life took a 360, I realized that if someone like me...

Who enjoys nice things...

Who loves to travel...

Who would go out to eat everyday if she could...

Could turn my life around with budgeting, and still feel like I can enjoy myself in moderation, I could help other women do the same.

So, I put all of my knowledge and experience into processes and systems...and here we are today!

That's EXACTLY how City Girl Savings came to be.

Here's a glance at this episode:

[02:00] I didn’t start out as a savvy budget coach! I was terrible with money in my early adult years.
[07:11] The driving force behind leaving Austin to pursue life in Los Angeles, and how that transition was made possible.
[19:23] My financial rock bottom – the turning point in my financial life and what happened to finally help me get my act together.

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“I love Raya and City Girl Savings!”

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