City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women - TopPodcast.com

View Top 200 Chart

Back to Rankings Page

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:

Home Buying 101 with Realtor Coco Massara Aug 07, 2023

Show notes

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.

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 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

Show notes

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.

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!

Why You Need to Pay to Get Better with Money Jul 24, 2023

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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

Show notes

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!

Related Podcasts