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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:

Why Your Happiness Should Be First Priority Mar 20, 2023

Show notes

I see it all the time – whether it's my clients, my friends or myself, we're constantly putting other people's needs and feelings above our own.

While both men and women do this, it's especially prominent in women. We make sure everyone else is okay, leaving our own happiness on the backburner.

At the end of the day, I firmly believe that our own individual happiness should be a top priority. This will make it so much easier to help other people we care about.

In this episode, I'm sharing why your happiness should be first priority and how to make sure you're putting yourself first without making other people feel neglected.

There are things we can all do to make sure we prioritize our own happiness. And remember, it's so much harder to fill someone else's cup when your own cup is empty.

Here's a glance at this episode:

[02:25] If we can't love ourselves and prioritize our own happiness, how can we expect others to?
[04:24] A common misconception about prioritizing your happiness means that you're selfish. This is not the case, but communication can make all the difference.
[09:15] Doing things that make you happy helps in so many ways, just make sure these things are included in your budget.
[12:00] Share with friends and family that you're prioritizing yourself. Your happiness should also mean something to them.

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.

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!

How Traveling Feeds My Soul and Keeps Me Motivated Mar 13, 2023

Show notes

It's no secret that I love to travel.

If you've been in the City Girl Savings community for a while, then you know that traveling is high on my priority list.

There's something exciting about going somewhere new – experiencing a place you've never seen before!

In this episode I'm sharing how traveling feeds my soul and keeps me motivated to work hard and reach my goals. I also share a few reasons why everyone needs to travel at some point in their life.

I truly believe that traveling (especially solo) can help people find their true selves and learn more about their life's purpose. The more you travel, the more open-minded you become.

Traveling doesn't have to cost a fortune either! Check out the episode An Introduction to Travel Hacking with The Miss Miles for ways to travel luxuriously, for free!

Here's a glance at this episode:

[02:18] Raya shares how she stays motivated when feelings of defeat kick in, in this City Girl Solutions Q&A.
[10:10] Traveling serves as a great inspiration for me to continue working hard to reach my goals and more.
[11:45] When I travel, I get a taste of the "good life". I don't just travel for materialistic reasons, but it's so nice to be luxurious every now and then!
[15:30] It can be scary for women to travel alone, but planning ahead of time makes all the 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:

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!

Becoming a Virtual Assistant with Shatoria of Coin Countin Mama Mar 06, 2023

Show notes

If you've been wanting to dip your toe into the digital waters, becoming a virtual assistant (also known as a VA) can be a great way to do so.

That's why I'm so excited to talk with Shatoria of Coin Countin Mama about what it means to be a virtual assistant and how anyone can get started.

There's a lot of benefits that come from the online space, so why not get a piece of the pie?

Shatoria shares her story about starting as a finance blogger and moving into the virtual assistant world as a side hustle. As she saw how much money could be made, she started helping other women do the same.

Shatoria works full-time, runs a household and still manages to get everything done! We can all learn a lot from her.

If becoming a virtual assistant, or making money online has been on your to-do list, you don't want to miss this episode!

Here's a glance at this episode:

[04:05] As Shatoria got serious about her financial freedom journey, she shares what motivated her to start documenting the process through her blog.
[17:49] All you really need to get started as a virtual assistant is a computer and the internet! It can be as simple as sharing your skills with the online world.
[37:55] Struggle with time management? Shatoria shares how she manages her time running a household, working full-time and focusing on her business.
[50:40] You don't need a fancy website to get started with offering services. Leverage social media to help you get your first customers.

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 Shatoria on Instagram!

Follow Shatoria on LinkedIn!

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!

How to Financially Prioritize Your Needs and Wants Feb 27, 2023

Show notes

There is a big difference between needs and wants, and it's a huge assett to know what that is for you! Sacrifice is a big piece. Reaching financial success means you put the most important things first, and the rest comes later.

If you haven't been able to financially prioritize your needs and wants, or if you feel like your wants have always come first, it's time to change things up! In this episode, I'll walk you through how to financially prioritize your needs and wants, so you can start making progress towards your goals!

Here's a glance at this episode:

[03:16] Understanding the difference between needs and wants.
[04:58] Getting clear on your true needs. What is essential?
[08:00] How and why you should allocate to your financial goals before your wants.
[10:41] Budgeting and allocating money to your wants.

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 #37 – How Practicing Delayed Gratification Sets You Up for Financial Success

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!

9 Ways to Manifest More Money into Your Life Feb 20, 2023

Show notes

Plenty of people consider manifesting as "woo woo"…until they've experienced the magic themselves! Manifesting is essentially, willing something to be based on how you think and act, or to think and act as if you have something, before you have it. It may seem a little out there, but bear with me and give it a try!

In this episode, I'm sharing 9 tips to manifest more money into your life. Manifest one thing, and you can manifest anything! It simply requires you to visualize things before they happen. Once you see it, you can believe it, and once you believe it, you can achieve it!

Check out Episode 11: The Power of Visualization to Help You Reach Your Goals for more details about the practice of visualization.

Here's a glance at this episode:

[02:15] The real science behind manifestation.
[04:20] Why you should write yourself a check for one million dollars.
[10:00] Creating accountability through sharing your goals with others.

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 the Money Management Mastery program!

Listen to Episode #43 – 6 Negative Thoughts Hurting Your Money Situation

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

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!

What Prioritizing Self-Care Looks Like for Me and My Budget Feb 13, 2023

Show notes

Health is wealth. Seriously, if we're not healthy, it doesn't matter how much money we have, we won't be able to fully enjoy it.

One way to make sure you stay mentally and physically healthy is by prioritizing self-care. This is different for everyone, but in today's episode, I'm sharing what prioritizing self-care looks like for me and my budget. These startegies can then be applied to your own life and budget! Learn the costly and no-cost ways I prioritize my own self-care for and what impacts, if any, it makes on my budget.

Skimping on the self-care will always cost more in the long run, so get ready to be inspired and prioritize yourself.

Here's a glance at this episode:

[05:09] I small thing that leaves me feeling good and presentable.
[11:20] My Dining Out budget and the joys of coffee
[13:35] Extra saving, in preparation for a trip, typically requires me to reduce my regular discretionary 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:

Listen to Episode #30 – Vacation Planning on a Budget

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!

Career Goals, Negotiating and More with HR Rep & Career Coach Lexi of Work Sugar Feb 06, 2023

Show notes

No matter where you work or what you do, there's always bigger goals to be set and more money to be made. This was true for me during my 11 years working in Corporate America, and sharing more on the how and why this is true is corporate HR Rep and Career Coach Lexi of Work Sugar. In this episode, Lexi and I are talking about setting career goals, making career shifts, and negotiating tactics!

Get ready to learn about making more money, finding a job you love, negotiating the best way possible and more!

Here's a glance at this episode:

[13:15] Career growth happens through knowing your skills, knowing what you want, and sharing it with those around you.
[25:00] Lexi shares a story on owning a mistake at work. HR always knows the truth, so don't hide from your mistakes!
[45:00] Managers hiring long-term employees aren't interested in consistent job-hopping.

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 Work Sugar

Follow Lexi on Instagram

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

Check out Motion!

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!

10 Things to Do Now to Be Richer Next Year Jan 30, 2023

Show notes

Building wealth is a life-long process. It never ends.

That's a good thing. It means anyone can achieve financial success as long as they work towards it.

However, the earlier you start planning and doing the right things with your money, the earlier you will achieve the wealth you are looking for.

Since we can't change the past (and erase all of those bad financial decisions), we need to focus on what we can change – the things we do right now.

In this episode, I'm sharing 10 things to do now to be richer by this time next year.

Some of these things are simple and some are more complex, but each of them will help make a difference in your wealth-building journey.

Here's a glance at this episode:

[02:43] Cutting back expenses doesn't have to be permanent, but it can make a big difference in your wealth-building journey.
[05:13] A cash-only system can help you stick to your budget, especially when you only use cash for your discretionary spending.
[07:25] Investing is one of the best ways to build true, long-term wealth. Get started with a simple account with a company like Betterment.

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:

Open a high-yield savings account with Ally, Synchrony or SoFi!

Listen to Episode #37 – How Practicing Delayed Gratification Sets You Up for Financial Success

Read The Spender's Guide to Debt-Free Living

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!

My Daily Morning Routine for Boosting Productivity Jan 23, 2023

Show notes

I've had some sort of morning routine my entire life, though not intentional until after I graduated college.

Having a morning routine has played a huge role in my productivity.

In my morning routine, I do things that will help my future health, finances and goals.

In this episode, I'm sharing my current daily morning routine, from a personal and business standpoint, and how it gives me clarity and helps boost productivity.

Feel free to take anything you hear and apply it to your own routines!

Here's a glance at this episode:

[02:00] I have implemented a morning routine since moving back to Austin – before City Girl Savings was even a thought!
[03:55] Whenever I need a confidence boost, I'll journal out positive statements and affirmations that I believe to be (or want to be) true about myself.
[09:00] My workday startup routine consists of opening OneNote, Asana and identifying the most important things to get done for the day.

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 love leveraging Asana for task management.

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!

How to Spark Inspiration Within Yourself Jan 16, 2023

Show notes

Have you wanted to travel, start a business, or take up a new hobby but found yourself lacking inspiration?

Don't wait for some unknown thing to bring you motivation, spark creativity within yourself!

There's no better time than the New Year to get yourself motivated to reach goals, venture into the unknown, and ultimately make positive life changes!

In this episode, I'm sharing a few ideas to help you spark inspiration within yourself to make forward movement towards the things that matter most to you.

Here's a glance at this episode:

[02:15] Whatever you want in life right now doesn't have to be your end goal. You can give yourself permission to change your mind as life moves forward.
[03:48] Want to create a vision board? Host a vision board party with your friends!
[07:35] I love physical books, but I also love the convenience that comes with an audio book. I'm sharing some of my audio book recommendations.

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 13 – 7 Questions to Ask to Determine What You Want Out of Life

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

Listen to Episode 12 – An Introduction to Travel Hacking with Elina Geller

Audio Books I recommend: The 12-Week Year, The Gap and the Gain, Practicing the Power of Now, and The Power of Positive Thinking

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!

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