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

10 Things You Can Do to Finish the Year Off Strong Oct 16, 2023

Show notes

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.

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:

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)!

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!

Why You Need to Start Planning Next Year's Goals Now Oct 09, 2023

Show notes

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.

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 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)!

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!

Sticking to Your Grocery Budget with Rachel Coons Oct 02, 2023

Show notes

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.

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 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

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

9 Frugal Habits to Implement Now Sep 25, 2023

Show notes

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.

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 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)!

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!

Easy Ways to Live Within Your Means Sep 18, 2023

Show notes

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!

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

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

Show notes

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.

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

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

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!

How to Be Happy with Frugal Living with Vee Frugal Fox Sep 04, 2023

Show notes

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.

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 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

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!

Master Your Money Like a Pro Aug 28, 2023

Show notes

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.

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 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

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 Get Comfortable with Being Uncomfortable Aug 21, 2023

Show notes

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

Show notes

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.

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 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!

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