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:

Breaking Down My Savings Accounts and Strategies May 29, 2023

Show notes

I've been budgeting and saving for many years.

With that comes picking up on tips and tricks, and learning what strategies work and don't work.

I'm a firm believer in the notion of one savings account per goal.

Not only does this keep you organized, but it also keeps you on top of how close you are to reaching that goal.

I currently have 7 primary savings accounts.

Each of them has a specific purpose and a specific strategy behind them.

In today's episode, I'm breaking those accounts and strategies down.

I'm doing this to inspire you to get strategic with your own savings accounts.

I also want you to get an idea of how I think about saving – in the hopes that you'll take what works for you and thrive!

Here's a glance at this episode:

[02:10] Before taking City Girl Savings full-time, I had a goal of saving 15 months' worth of expenses.
[04:10] I keep my emergency fund in a high-yield savings for a few reasons: extra interest, liquid cash and not easy to instantly transfer.
[08:50] I never keep more than a few thousand dollars in my travel savings. Because of this, I keep this account close to my checking for easy access when booking.
[14:32] Any savings account of mine that's linked to my checking has a specific purpose. I don't touch those accounts unless they're needed to fulfill their purpose.
[19:05] I use Betterment for my long-term investment accounts. It's user-friendly and I love their "goal forecaster."

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Online banks I recommend: Synchrony, Ally, American Express Bank

Listen to Episode 30 – Vacation Planning on a Budget

Get your question answered on the podcast! Ask your question here.

6 Signs You're Saving Too Much Money

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Stop Putting Off Improving Your Situation May 22, 2023

Show notes

Unhappy with your life?

Disappointed by your diet?

Wishing you had more money?

If things aren't going the way you want them to, I hate to break it to you…but sitting around and complaining isn't going to help.

Whatever area (or areas) of your life you're unhappy with, it's time to do something about it.

Stop putting off improving your situation because time is of the essence.

The longer you prolong the work, the longer you prolong the success.

In this episode, I'm sharing 5 reasons to stop putting off improving your situation and life, so you can get to work immediately on changing things for the better.

Here's a glance at this episode:

[01:32] It doesn't matter what you do, how old you are, where you're from or how far away your goals are. YOU have the ability to change your situation for the better.
[03:20] You don't have to change your entire life in one day, but doing one thing each day to get you closer to your goals is completely doable.
[05:28] When it comes to changing your situation, the hardest part is usually the beginning. Just remember this too shall pass.
[09:50] Waiting on outside factors to help change your situation? You're going to be waiting a very long time.
[12:17] Quick fixes are not always the solution for long-term changes.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get your question answered on the podcast! Ask your question here.

Listen to Episode 51 – Fearlessly Chasing a Life You Love with Madison Bailey Anaya

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

My Favorite Affirmations for Money, Happiness and More May 15, 2023

Show notes

I started using affirmations in 2018 after I made the decision that I wanted to run City Girl Savings full-time.

When I tell you there is a night and day difference between how I thought then and how I think now, affirmations are what took me to the next level.

The thing about affirmations is that they aren't just words you say out loud.

They are beliefs you want to be true about yourself or your situation.

The more you say them, the more you affirm them.

The more you affirm them, the more you believe them.

When you start believing in them, you start living them.

Then, the magic happens!

This episode is going to be a little different – one by one, I'm going to share my favorite affirmations for money, success, happiness and more.

I'm going to start with the oldest to newest, so you can see the progression.

Feel free to take any of these affirmations and make them you own!

Here's a glance at this episode:

[01:54] I started using affirmations in 2018 when I knew I wanted to run City Girl Savings full-time. I had never used them prior to.
[04:30] "I'm fully capable of the desires inside me."
[06:48] "I am the kind of person who never stops learning, growing and practicing gratitude."
[08:14] "I live a healthy, happy, active lifestyle."
[11:05] When you use affirmations, you start doing things in line with what you're trying to achieve.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 10 – Conquering the Fear of Failure and Redefining Success

Get on the waitlist for Money Management Mastery

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Why You Should Start a Business with a Day Job May 08, 2023

Show notes

Have you been wanting to start a business, but you struggle to decide if you can do it with your day job?

Starting a business is a huge deal, but it doesn't have to be a hard process!

I started City Girl Savings when I had a full-time job in corporate America.

I'm not going to lie to you and say it was easy managing both, but it gave me time to grow my business without having to worry about how my bills would be covered.

If anyone is considering starting a business, nine times out of ten, I'd recommend they start it when they have their normal job.

The early stages of business are so unknown, so having the stability of your other job can be comforting in so many ways.

In this episode, I'm sharing why you should start a business when you have a day job. My hope is that this episode empowers you to take a leap of faith and just start!

Here's a glance at this episode:

[05:06] When you're just starting out with your business, being able to grow it without worrying about money can be a game-changer for success.
[06:35] Before you leave your full-time job, get clear on your financial goals. How much do you want saved? How much do you want your business to earn?
[10:48] No one knows what the future holds, but when you start a business with a day job, you can test out multiple scenarios to see what you really want.
[13:00] People don't buy from you to make you feel better. They purchase because of the problem you're solving or the help you're giving.
[16:20] Your time management skills are tested when you start a business with a day job, but the rewards are worth the effort.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 19 – Is Starting a Business Really for You?

Listen to Episode 7 – 10 Biggest Lessons Learned from Running My Business

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Student Loan Payments, Forgiveness and More with Nika of Debt Free Gonna Be May 01, 2023

Show notes

By the time you're listening to this episode, we're about a month away from the federal student loan payment pause ending.

With the federal student loan debt forgiveness program in the throws of legal and political battles, millions of borrowers will be forced to begin payments.

I've been working with my clients to help prepare their budgets for the added expense, but not many have that luxury.

Today, I'm talking with Nika of Debt Free Gonna Be about all things student loan payments.

Nika has been a fantastic resource for student loan news and updates and she's here to help shed some light on what's coming for student loans.

If you have student loans, if you've applied for forgiveness, or if you just want to be up to date with the current climate, don't miss this episode!

Here's a glance at this episode:

[06:35] Nika shares what her debt-free journey looked like and how she was able to get rid of over $180,000 in debt.
[16:24] Nika had her student loans forgiven and she shares how she was prepared and acted as soon as the application was open.
[20:56] Struggling with money can be equated to struggling with food. Not understanding your triggers can undo your progress.
[30:00] Applying for PSLF? Make sure you complete the application right the first time around to avoid unnecessary delays.
[40:36] Nika recommends having at least one months' worth of expenses saved for emergencies before you aggressively start paying down debt.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Nika on Instagram

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

7 Ways to Invest in Your Personal Success Apr 24, 2023

Show notes

Tony Robbins once said, "if you're not growing, you're dying".

What he means is that if you are not working to improve your life, in any area, you're staying still.

When the mind settles for what is, nothing more comes.

That doesn't sound good to me. What about you?

We must continue learning to continue growing.

There are so many ways to do that, but it all starts with investing in your personal success.

You must invest in things that will take your life to the next level.

Let's get more specific. You should invest in things that will take your career, finances, relationships, health, mind, body, and soul to the next level.

You don't have to work on all areas at once, but you do need to work on something.

In this episode, I'm sharing 7 ideas you can leverage to invest in your personal growth and success.

Here's a glance at this episode:

[02:20] Are you trying to improve in a specific area of your life? Consider working with a coach! There are coaches available to help with just-about everything.
[04:00] Spending time by yourself, ideally in a different place or environment, can be a great way to get to know yourself and identify what success looks like for you.
[05:55] Thinking of going back to school? It can be a great way to invest in your success, just make sure the topic is something you can grow in over time.
[08:30] Starting a business is a great way to invest in your own success. You also learn how resourceful you can be.
[11:35] Group accountability programs can be an alternative to 1-on-1 coaching and still get you the benefit of learning and working towards your goals.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Learn about my 1-on-1 money coaching program

Listen to Episode 13 - 7 Questions to Ask to Determine What You Want Out of Life

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

Get on the waitlist for the upcoming Money Management Mastery Program

Get your question answered on the podcast! Ask your question here.

Struggling with your money? Schedule a free call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

My Budget Non-Negotiables Apr 17, 2023

Show notes

I've preached the importance of budgeting for a long time.

Let me just state for the record that I will continue to preach the importance of budgeting for as long as I'm able to!

Budgeting changed my life for the better and now I'm helping other people use budgeting to change their own lives.

Unfortunately, there's still a misconception that life on a budget means a person can't enjoy life. Not true!

A budget should include the things a person enjoys, in moderation of course!

In this episode, I'm sharing my current budget non-negotiables and why they matter to me.

I'm also going to share a few things I want to become budget non-negotiables, but they haven't made their way into my budget just yet.

I encourage you to get clear on your own budget non-negotiables and work to make sure they're factored into your budget.

Here's a glance at this episode:

[01:30] In this week's City Girl Solutions Q&A, Raya explains high-yield savings accounts and why they are game-changers for anyone trying to save money.
[04:45] While some of my budget non-negotiables aren't technically discretionary, I choose to spend money on these specific things to improve my quality of life.
[08:50] Next, I cover the budget non-negotiables that are truly discretionary. They are things I don't need, but absolutely love to have.
[12:20] Finally, I spend time talking about things that I would like to become budget non-negotiables but I'm not quite there yet.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 17 – Why Your Budget Should Include the Things You Love

Get your question answered on the podcast! Ask your question here.

Struggling with your money? Schedule a free call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Things You Can Do to Improve Your Financial Literacy Apr 10, 2023

Show notes

Did you know April is Financial Literacy Month?

While I think financial literacy should be a focus each and every month, it's nice to know the need for financial education is being acknowledged.

What steps are you taking to become more financially literate?

I don't know about you, but had I been financially literate earlier in life, maybe I wouldn't have struggled so much with debt and overspending.

Had my parents been more financially literate, maybe they could have actually taught me how to save and manage what I had.

We can't change the past, but we can decide how we want to move forward.

In this episode, I'm sharing some things you can do to improve your financial literacy and take more control of your financial situation.

Here's a glance at this episode:

[01:42] In the latest City Girl Solutions Q&A, Raya explains high-yield savings accounts and why they are game-changers for anyone trying to save money.
[04:25] Did you know City Girl Savings has an online course to help women master the money they make?
[07:18] Money coaches are not one-size-fits-all. Raya shares the different ways people can work with a money coach.
[11:43] When you know your learning style, you can find resources in that style to help you retain information – especially educational financial information.
[15:40] Financial education isn't just about what others teach you. Your personal experiences play a role.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Get on the waitlist for Money Management Mastery!

Learn about my 1-on-1 money coaching program

Schedule a free call with me!

Some of my favorite personal finance books include: The Richest Man in Babylon, Live It Love It Earn It and Profit First

Join the City Girl Savings Facebook Group

Two biographies I enjoyed: Sidney Poitier's The Measure of a Man and Alyssa Milano's Sorry Not Sorry

Get your question answered on the podcast! Ask your question here.

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Saving Six Figures in Your 20s with Carly of Best Money Class Ever Apr 03, 2023

Show notes

When I was in my twenties, just the thought of saving six figures seemed out of reach.

I was too busy cleaning up my bad money mistakes from my college days! Some people have to crawl before they walk.

Others can sprint to the finish line.

Regardless, everyone has to take the first step forward.

Whether saving six figures in your twenties sounds like a pipe dream, or you've already moved into the next age bracket, you can still learn from someone who's been there.

In this episode, I'm chatting with Carly of Best Money Class Ever about how she managed to save six figures in her 20s and how she's continued with those habits today.

Get ready to be inspired to save and cross the six-figure threshold!

Here's a glance at this episode:

[04:55] After applying to be a Fidelity financial adviser, Carly realized she wanted to help everyday people manage money.
[10:30] Carly shares how she got scrappy and started her own business right out of college, even though the country was in a recession.
[17:20] Breaking down exact numbers, Carly shares how she managed to earn and save six-figures throughout college and in her early 20s.
[33:30] Did you know Carly lives the RV life? She provides some insight into what RV life looks like for her.
[50:40] Best Money Class Ever was designed by Carly to help people learn how to manage their money and feel like they are taking ownership of their finances.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Carly on Instagram!

Follow Carly on TikTok!

Learn more about Best Money Class Ever

Get the free Best Money Class Ever guide!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with Raya (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

5 Wealth Building Secrets Women Need to Know Mar 27, 2023

Show notes

Wealth doesn't have to stay with the old, white men of the world.

In fact, now more than ever, women and people of color are breaking down all kinds of wealth barriers.

Although our society isn't yet at a place where wealth is evenly distributed, it doesn't mean we shouldn't strive for it!

In fact, that's more of a reason to strive for it!

In this episode, I'm sharing 5 not-so-secret secrets to building wealth that women need to know and understand.

When you know these things, you can start moving in the direction of building lasting wealth.

City Girl Savings was formed because I've my mission to empower as many women as possible to work towards financial success. The things you learn in this episode will help!

Here's a glance at this episode:

[01:51] In the latest City Girl Solutions Q&A, Raya gives a high-level overview of her savings accounts. A future episode will break down in detail her accounts and savings strategies!
[06:00] Everyone has multiple options when it comes to investing. Retirement is just one of those options.
[10:21] Raya explains why unsecured debt is so expensive and why this type of debt should be paid off first.
[12:45] Racism, sexism, agism all exist in our country's corporate and financial institutions, but that doesn't mean we shouldn't try to work around those evils.
[14:25] The more money you have, the more options you give yourself to live a life you want. Period.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 44: Why You Need to Think About Retirement Now

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Schedule a free financial focus call with me!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Related Podcasts