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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:

7 Money Management Rules that Changed the Game for Me Jun 13, 2022

Show notes

I've been in the personal finance game for a long time, and I have plenty of experience with what does and doesn't work.

There are certain money management principles that always hold true for me. When I started following them, things began shifting for better!

Learn all seven money management rules that have changed the game for me in today's episode of City Girl Savings!

Here's a glance at this episode:

[06:40] spending money you don't have, on things you don't need, will likely result in debt.
[10:04] How to do the right things with the money we make, no matter how much it is.
[13:27] What is investing? It doesn't take much to get started!

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 copy of The Richest Man in Babylon by George Clason

Listen to Episode #14: Mapping Your Path to Millions

Listen to Episode #15: My Debt-Free Journey and the Biggest Takeaways

Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective

Listen to Episode #6: How I Curbed My Desire to Spend

Listen to Episode #1: Big City Spender to City Girl Saver

Get started investing with Betterment, Robinhood or Public

Need a budget plan? Let me create one for you!

How Financial Coaching Changed her Life with Vanessa Garcia Jun 06, 2022

Show notes

Agreeing to get financial coaching can be really difficult, maybe even scary. However, I invite you to try seeing it as an investment to improving your financial situation!

Recent City Girl Savings coaching graduate, Vanessa Garcia is a Gen-X Latina out of New York City. Today, she shares her financial coaching experience and how it changed her life.

Through tailored guidance, resources, and accountability, Vanessa paid off most of her debt, boosted her credit score, and set herself to get her own place!

Learn from Vanessa how investing in financial coaching can truly pay off!

Here's a glance at this episode:

[12:00] Codependency is real and can keep women stuck. How does this happen, and how do you break free?
[28:15] Intimidation free budgeting: what it looks like and how to realistically impliment it!
[38:10] How a financial coaching program changed Vanessa's life, and how it could change yours.

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 Vanessa on Instagram (she'll answer any questions you have).

Schedule a Free Financial Focus Call with Me

Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective

Learn more about my 1-on-1 Financial Coaching Program

Read other Client Testimonials!

18 Ideas to Save More Money May 30, 2022

Show notes

Saving money isn't just putting money in a piggy bank!

In fact, there are so many different ways you can cut back on spending. Sometimes, we just need a little inspiration!

From using GoodRX for all your prescriptions, to utilizing credit card benefits, today I'm sharing 18 different ways you can save.

Let's get started!

Here's a glance at this episode:

[02:09] The credit cards that I love to use for travel, thanks to no foreign transaction fees, are American Express Bonvoy and Citi Premier.
[04:06] Don't let one-click purchases kill your budget!
[08:05] Have you heard of a high-yield savings account?
[09:40] Reduce clutter in your home AND make extra money!

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:

My favorite rewards credit cards: American Express Bonvoy and Citi Premier

Download the CGS Money Moves Packet

My favorite high-yield savings accounts: Synchrony and American Express Bank

How to Use Poshmark to Make a Profit

How to Get One Month Ahead on Bills May 23, 2022

Show notes

The paycheck-to-paycheck lifestyle can be incredibly hard to get out of. Unfortunately, living this way leaves no room for emergency expenses or error.

Let's break free of this cycle together, taking it one month at a time!

We'll look at how to create your budget, what to include, and getting clear on all your monthly expenses.

Break out of the paycheck-to-paycheck living with tools from today's episode of The City Girl Savings Podcast!

Here's a glance at this episode:

[01:40] Knowing your monthly income and expenses is a powerful tool.
[03:45] How a high yield savings accounts can help.
[06:30] The importance of saving.
[07:11] You did it, so what's next?

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:

Need a budget plan? Let me create one for you!

Or, download my free Monthly Budget Overview Tracker

Download the CGS Money Moves Packet

My favorite high-yield savings accounts: Synchrony and American Express Bank

What It Means to Be a Financial Feminist with Kara Perez of Bravely Go May 16, 2022

Show notes

"Financial Feminist" has become an increasingly popular and widely used term these past few years, but what does it actually mean?

Kara considers herself a proud "financial feminist" and explains what it means to be one. Learn about the role society plays in women and POC's money decisions. Discover how to prioritize your well-being and how non-POC can help promote financial equality. This episode is rich in content and experience!

Don't miss out on Kara's story and her incredible insight!

Here's a glance at this episode:

[10:15] Shifting the focus and freedom from debt.
[17:35] The importance of prioritize your own well-being.
[28:22] Leaving shame at the door and starting money conversations.

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 Bravely Go on Instagram

Follow Bravely Go on TikTok

Save your spot in the 2022 Financial Feminist Summit

Download the CGS Money Moves Packet

Setting Up Your Own Financial Filing System May 09, 2022

Show notes

HerMoney founder Jean Chatzky did a study on the correlation between financial organization and being financially well off. She found that 72% of the financially organized were financially well off.

That's more than enough reason for to get a financial filing system in place!

Learn about document timelines, filing options, and protecting your documents. Being organized puts you more in control of your money!

Here's a glance at this episode:

[01:30] Statistical studies show that financial organization leads to better money management control.
[03:53] Timelines for keeping or tossing financial documents.
[09:11] Benefits to virtual filing systems.
[09:50] Establishing a routine for processes and filing documents.

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:

Read "Get a Financial Life" by Beth Koblinger

Learn more about Jean Chatzky

Download the CGS Money Moves Packet

Check out Your Guide to Organizing Financial Documents

Breaking Generational Money Curses with Lea Landaverde May 02, 2022

Show notes

I don't know about you, but I wasn't part of the elite few who learned how to manage money at an early age. I had to learn the hard way, and so did Lea Landaverde.

Lea shares grew up in an immigrant family with money burdens put on her at a young age. Hear her perspective on the role society plays in keeping minority people oppressed, and what those people can do to start changing their situation.

Discover how you can improve your financial situation, set boundaries, and drive positive change. If you want to break through money curses that stem from your family, you don't want to miss this impactful conversation!

Here's a glance at this episode:

[22:40] Traumas, will they hold you back or fuel change for the better.
[31:00] How to set and follow boundaries with family who constantly ask or expect financial help.
[50:00] How people who improved their financial situation can help drive change with the money they make.

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 Lea on Instagram

Listen to the Mi Riqueza Podcast

Join the Riqueza Club

Download the CGS Money Moves Packet

Want to follow POC influencers? Check out Episode #9: 6 People of Color in the Finance Space to Keep an Eye On

Is Starting a Business Really for You? Apr 25, 2022

Show notes

After COVID-19, our society has seen a huge spike in people quitting their day jobs and starting side hustles or new business altogether. But just because society is heading in that direction doesn't mean that starting a business is for everyone – and that's okay!

There are a few questions you can ponder over to decide if starting a business really is the right move for you.

Is there's anything you're skilled at or passionate about that can make you money? Can you take on starting a business right now? Get honest about your situation.

Just because a business may not be in the works right now doesn't mean it won't be a good option for you in the future!

Here's a glance at this episode:

[03:00] Although I had a business idea before City Girl Savings, it never came to fruition. Things happened the way they were supposed to.
[03:54] 5 questions to determine if starting a business is the right move for you…now or in the future.
[10:15] Do what brings you the most joy and happiness, not what society pushes on you.

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:

Looking to start a business? Learn more about my Business Coaching Program!

Download the CGS Money Moves Packet

Check out Episode #7: 10 Biggest Lessons I've Learned from Running My Business

Want to know what money moves to make before starting a business? This CGS article will help.

5 Mindset Shifts that can Change Your Life and Money Apr 18, 2022

Show notes

While we can't control outside factors, we can control how we think and react to things that happen in our lives. Making the shift to a positive mindset many years ago has helped me feel the happiest I've ever felt.

Specific mindset shifts can have a positive impact on not only your life, but also what you do with your money.

If you're not sure where to start, this episode can make all the difference. Watch how your life and money change as you make a conscious effort to truly shift how you think!

Here's a glance at this episode:

[01:31] You have a choice.
[02:20] Appreciating the money you currently have.
[04:10] Removing specific terms from your vocabulary.
[07:55] Focus on the distance between you and achieving your life and money goals.
[09:16] Perspective. When things don't go according to plan, look at them as a lesson, not a loss.
[11:40] Practicing gratitude daily.

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 #4: Why Mindset is Critical and How to Start Improving It

Download the CGS Money Moves Packet

Get Your Start Today Journal

Why Your Budget Should Always Include the Things You Love Apr 11, 2022

Show notes

A budget is the number one tool for financial success.

No matter how much money you make, or how little money you make, you absolutely need a budget to manage that money properly.

When you know you can afford to spend money on fun things, you won't feel bad for doing so.

Here's a glance at this episode:

[01:25] Learn to take the emotion out of budgeting. A budget is simply a tool that provides you with information on what should be happening with your money.
[02:40] When creating your own budget, it's important to make sure all of your bills, responsibilities and priorities are covered first.
[10:30] Don't be afraid to experiment with your budget month over month. Look at each month as a fresh start to find a money routine that works for you.

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

Download the CGS Money Moves Packet

Let me create a budget plan for you!

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