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City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Make good money but still feel behind financially?

Struggling with budgeting, overspending, or figuring out where your money actually goes?

Whether you’re living paycheck to paycheck, earning a solid income but struggling to stay organized, or ready to finally build real wealth…The City Girl Savings Podcast is your weekly money reset.

Hosted by Money Coach and City Girl Savings founder Raya Reaves, this podcast helps women master budgeting, improve money management, stop overspending, pay off debt, and confidently build wealth…without giving up the lifestyle they love.

Raya knows what it feels like to make money and still feel out of control. After years of overspending and credit card debt, she transformed her finances using simple budgeting systems and intentional money habits. Today, she’s a full-time financial coach, second-home owner in Palm Springs, and wealth-building entrepreneur…and she teaches women how to do the same.

Each episode covers topics like:

• Budgeting systems that simplify your life
• Money mindset shifts that build confidence
• How to stop overspending and save consistently
• Paying off debt and keeping it at $0
• Building wealth while still enjoying your lifestyle
• Financial organization, goal setting, and long-term security

If you’re a working woman who makes good money but knows you could be doing more with it, this podcast is your weekly money reset.

Press follow and let Raya be the money coach in your ear every Monday…helping you budget your way to a life you truly love.

Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more!

Join the weekly newsletter for practical money strategies and mindset shifts: https://citygirlsavings.activehosted.com/f/31

Connect with Raya on TikTok, Facebook, or Instagram: @citygirlsavings

Copyright: © City Girl Savings, LLC

Latest Episodes:

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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!

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