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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 Life Lessons I Learned from My Mom May 13, 2024

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Sign up for the Introduction to Investing Workshop

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

Show notes

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

Sign up for the Introduction to Investing Workshop

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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