Money doesn’t buy happiness. I firmly believe that. But, I also believe that money buys you options…and having the option is what breeds happiness. Having the option to take a trip, bless a family member, leave your job, start a family, and so much more. Money makes those things easier. Money allows you to have more and more options. Now, while I don’t think money buys happiness, I do think there are certain things you can spend your money on and feel genuinely fulfilled. In this episode, I’m sharing a few intentional spending ideas that will leave you feeling fulfilled and happy as a clam! Let me add that you may not be in a position to spend your money on these things now, but definitely keep them in your back pocket for the future.   Here's a glance at this episode: [02:10] There are so many ways you can donate, and it doesn’t have to just be money. This can leave you feeling incredibly fulfilled. [04:20] The memories and experiences that come with traveling can stay with you forever, making the cost of the trip fulfilling. [07:20] The foods I consume directly impact my health. Because of this, I can’t get cheap with spending money on healthy foods. [11:43] Starting a business isn’t for everyone. However, if it’s something that you’ve wanted to do, it’s a great way to spend money in a fulfilling way. [13:59] When you’re in a position to help others, financially or not, it leaves you feeling empowered and fulfilled.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 70 – My Budget Non-Negotiables Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group   Subscribe to the City Girl Savings Newsletter!

I started consistently journaling back in 2018. The benefits that have come over time through consistent journaling are truly amazing. I eventually was able to quit my corporate job and run City Girl Savings full-time. I was able to see the growth in my thought patterns over time. I’m able to look back on old journal entries and feel pride and gratitude.  Because journaling has brought so many blessings into my life, I’m now an advocate of the practice. In this episode, I’m sharing 7 reasons to start journaling on a regular basis as well as a few journal prompts to get you started!   Here's a glance at this episode: [01:48] The more you journal, the more you learn about yourself. The more you learn about yourself, the more self-aware you become. [04:10] Raya recalls a time where journaling helped avoid a major fight with her partner. Had she not journaled and acted on her feelings, bad things could have happened. [09:50] Journaling can help keep your goals top of mind. This can result in you taking actions that help you reach the goal. [13:30] Raya shares a snippet from an old journal entry back in 2020 to showcase how memories can be invoked through journaling. [16:22] Need some help getting started? Raya shares 3 different journal prompts that can help you begin your new journaling routine.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 58 – My Daily Morning Routine for Boosting Productivity Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

As I’ve gotten older, I realize there’s nothing more important than my peace…and protecting it at all costs. I used to spend time with people who thrived on gossip and drama, until I realized how much of my personal energy that time cost me. Now, I limit my time and interaction with people, places and things that drain my energy. I also set firm boundaries on protecting my mental wellbeing, and while it’s not always easy, it does get better over time. In this episode, I’m sharing the different ways I’ve come to learn to protect my peace and how it’s made a huge difference in my life. If you’re struggling to set boundaries, preserve your energy or protect your peace, hopefully some of my strategies and experiences can help you!   Here's a glance at this episode: [02:34] Raya shares her experiences with specific people and the energy drain that took place because of being around those people. [06:00] Setting boundaries can lead to guilt. Raya shares how she checks herself when starting to feel guilty for protecting her peace. [11:31] Journaling has been a powerful practice to help set the tone for Raya’s day. She uses it to release feelings of stress, anxiety or excitement. [15:30] Raya spent a lot of time in nature when her mom was sick. This has now become a morning routine to promote serenity. [18:15] Leave other people’s problems and struggles at the door. Raya tries to avoid taking home the weight of other people’s problems.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Recommended Read – The Celestine Prophecy Listen to Episode 58 – My Daily Morning Routine for Boosting Productivity Recommended Read – Discerning the Voice of God Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

One thing I’ve learned over time is that ignoring your past traumatic experiences and running from the feelings gets you nowhere. Acknowledging your inner child and revisiting your past, as hard as it is, is a necessary step in loving yourself and living your best, happiest life. Self-Love Coach turned Business Mindset Coach Asia Hilario is joining us on the show today to help teach you how to heal from your past traumas and unlock your future potential. Asia and I go deep with our discussion on thought control, self-sabotage, self-awareness and so much more. If you’re ready to step into the woman you were always meant to be, you don’t want to miss this episode!   Here's a glance at this episode: [03:15] Asia created a blog talking about her journey to self-healing and it led to so many amazing accolades and opportunities. [14:23] Your reaction to how people treat you can say a lot about your own insecurities. Listen to your thoughts and watch your reactions. [27:21] Self-sabotage can happen in many ways. Asia explains how to keep an eye out for the behaviors that are self-sabotaging. [36:00] Operating from a place of scarcity means you have the opinion that there’s not enough to go around. [42:40] Asia learned that storytelling is her superpower. When she shares her stories, people are impacted in a way she never thought possible.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Follow Asia on Instagram Asia’s Self-Sabotage Course Learn more about Asia Download the Free Money Mindset Worksheet Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

The time is now to build the life of your dreams! We’re living in a time where women are making more, out-earning their partners, investing for the long-term and building true wealth. It’s a wonderful time to be a woman making money, but with the lack of financial education growing up, it’s up to us to bridge the knowledge gap. When it comes to budgeting and money management, certain activities are guaranteed to set you up for long-term success. In this episode, I’m sharing 6 money moves you can start implementing now to get the ball rolling on your financial success.   Here's a glance at this episode: [02:20] The first of the money moves to start implementing now is saving for retirement. This is one of the best ways to build long term wealth. [05:11] Before you start investing, you’ll want to have a few things in place – paying down high interest debt and saving for emergencies. [11:05] Money mindset is a critical part of financial success. Raya breaks down why you past is so important and shares a resource to help. [13:50] Commit to doing what it takes to reach your goals. Be okay with sacrifice, discipline and saying no…temporarily. [16:00] Be open with your friends, family, and partner about being on a budget. You may be surprised with the accountability you get.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 107 – Adding Investing to Your Money Goals with Marc Russell Listen to Episode 1 – Big City Spender to City Girl Saver Download the Free Money Mindset Worksheet Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

“Hi, I’m Raya and I’m a recovering structure addict”. Like most Type A individuals, I thrive on structure, organization, and time-specific tasks. Unfortunately, my need for structure got so bad that I started dreading quality time with friends and family. Thankfully, I’ve found ways to stay organized that suit my personality, but those ways are no longer at the expense of anyone or anything! In this episode, I’m sharing 5 ways a Type A personality (AKA Me) stays organized and sane. If you struggle with this, hopefully my tips and resources can help!   Here's a glance at this episode: [02:02] There was a point in time where dinner out with her besties felt like a chore to Raya. She knew things had to change. [05:26] One of the great things about Asana is that you can color-code your tasks to help categorize everything that needs to get done. [08:25] Not only does OneNote help Raya identify her tasks for the day, but it includes the goals she’s working on, so they’re always front and center. [13:05] Raya batches tasks like recording podcast episodes and writing blog articles, to help her manage her time more effectively. [17:57] Learning how to say “yes” to things that are non-work related has helped Raya utilize her time for things outside of just work and business.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Raya Recommends: Task Management Tool Asana Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

Let’s be real. Finances are still a very personal topic. While we’ve made strides towards having open money conversations, we have a long way to go. Since financial literacy isn’t included in standard education curriculum, you can’t blame yourself for not being great with money. You likely learned a lot of your habits from your parents. And that may not be a good thing. In this episode, I’m sharing some major signs you need help managing your money. If any of these signs apply to your situation, acknowledge them, and take action. Ignoring the signs will only delay your progress.   Here's a glance at this episode: [01:48] With the rise of social media, we have inside scoop into how the wealthy (and un-wealthy) spend their dollars, causing feelings of inadequacy. [06:06] Even $25 a paycheck being saved can help you break free of living paycheck to paycheck. Small steps add up over time. [11:02] Did you know Raya creates budget plans? If you don’t have a budget, you need one! Raya shares how you can get started with one. [17:07] One of the biggest signs you need help managing your money is if you don’t have a budget. A budget is the number one tool for success with your finances. [22:50] When you invest in working with a coach or other professional, you have skin in the game. This is usually what helps you get the results.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Raya Recommends: The Richest Man in Babylon Let Raya create a budget plan for you! Listen to Episode 15 – My Debt Free Story and the Biggest Takeaways Listen to Episode 84 – Why You Need to Pay to Get Better with Money Learn about Raya’s Financial Focus Coaching Program Need help with your finances? Request a call with Raya! Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

Have you ever felt like you’re on the verge of breaking through to the next level? Almost as if you’ve mastered everything you can master at this point in your life and to move forward, you must grow in new and different ways? Well, I’m in that spot right now. I feel like I’m at the cusp of a new level and to enter it, I need to let go of things that no longer serve me and start new habits and routines that will foster my growth at the next level. So, after giving it a lot of thought, I’ve determined the 6 habits and routines I’m adding to my life to help me become my next-level self.  In this episode, I’m sharing the 6 next-level habits I’m adding to my life to help me level up!   Here's a glance at this episode: [02:25] Raya shares an important realization – the habits that she plans to implement may only serve her for a point in time…and that’s okay. [05:41] While Raya read more books in 2023, she watched TV more than she read books. Can you relate? Listen as she shares why this won’t be the case in 2024. [10:18] Raya realized that how she dressed everyday had a huge impact on how she felt. Now, she vows to let go of the yoga pants and sweatshirts! [16:20] Having 2-3 dedicated call days every week will help Raya spend time focusing on her clients, as well as time focusing on growing the business. [20:30] Raya plans to not only track her goal progress (per usual), but will dedicate time to thinking about what the data is showing.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 105 – My Personal and Business Goals for 2024 Check out Sydney Cummings Houdyshell on YouTube! Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

It’s 2024 and if you haven’t started investing, in any way, shape or form, then let’s make this year the year you add investing to your money goals! While there are a variety of ways to build wealth, I firmly believe that long-term investing is one of the best ways to do it. Whether it’s contributing to a retirement plan or leveraging a general investment account, consistent investing is a must. That’s why I’m so excited to talk with Marc Russell of BetterWallet today about how you can add investing to your money goals. Get ready to take your finances up a notch this year!   Here's a glance at this episode: [03:42] Marc shares his experience with joining the team at Vanguard. Marc shares why they were an advocate for him and his goals. [09:40] Marc breaks down the differences between a financial coach and a financial advisor and gives insight into when someone may be ready to work with a financial advisor. [17:57] Get an easy-to-understand overview of investing and why it’s a much better approach for your money than saving with a bank. [27:30] It’s easy to get overwhelmed with all of the investment options that are available. When you decide on what’s best for you, stick with those options and see them through. [38:05] Marc shares a few of his favorite investment and brokerage platforms and what people should be looking for when deciding on a brokerage company. [49:29] Marc is working to set up a scholarship fund to help people financially cover the costs of higher education.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Follow Marc on Instagram Get Marc’s Investing Guide Sign Up for Marc’s free investing class Check out Marc’s free investing class for your kids Check out the BetterWallet Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

Happy Holidays! Have you ever wondered what a money coach gives and asks for Christmas? Well, you’ll learn today! While I love every holiday following the Fall season, Christmas holds a special place in my heart. Growing up, it was a time of the year that brought so much joy – not because of the gifts, but just the energy from that time of year. I would sit at home, alone, watching Christmas cartoons, just sitting next to the lit-up Christmas tree and would feel pure bliss. As an adult, I still feel bliss sitting next to the tree! In this episode, I’m sharing what Christmas is like as a money coach – the things I give and what I usually ask for.   Here's a glance at this episode: [01:35] If you’re listening to the episode right when it airs, then Merry Christmas! Raya is wishing you a wonderful holiday season! [03:37] As Raya got older, she started putting more thought into the gifts she would give. The focus would be on things people needed or that reminded her of them. [06:03] There was a time, specifically college years, where Raya would constantly exceed her spending limit for Christmas, but mostly on buying herself material things. [09:04] A rule of thumb in Raya’s family for spending money on Christmas gifts is to stay within $100 per person for gifts. [11:33] Raya always asks for Starbucks gift cards for Christmas, because it’s money well spent and will help her stick to the budget during the start of the year.   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: 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!

You may remember I did an episode at the end of 2022, sharing my personal and business goals for 2023. I got such great feedback on that episode, that I decided to do another one sharing my 2024 goals!\ As you probably know, during the last quarter of every year, I like to sit down and set my personal and business goals for the next year. I usually reflect on the progress of my current goals and that lets me identify what I need to tweak for the new goals I plan to set. I don’t always reach every goal I set, and sometimes I exceed my goals. But what never stops is me setting or working towards goals. In this episode, I’m sharing my personal and business goals for 2024. I’m also giving you an update on my 2023 goals!   Here's a glance at this episode: [02:31] Before sharing her goals for 2024, Raya breaks down the progress she’s made on her 2023 personal and business goals. [06:49] One goal Raya has for 2024 is to walk 10,000 steps per day Monday through Friday and to incorporate a high-fiber diet every weekday. [10:51] Although Raya’s auto loan interest rate is 0%, Raya has a personal goal of paying her car off before the 2024 year ends. [13:35] Following in last year’s footsteps. City Girl Savings has a goal of hitting 10,000 newsletter subscribers for the 2024 year. [16:00] 2023 was a heavy year for Raya. The focus for 2024 is to work hard but to not lose sight of her mental health along the way.   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 82 – Mid-Year Personal and Business Goals Check In Struggling with your finances? Request a call with me (and get a budget)!

While the statistics vary, it’s believed that 55 to 63 percent of Americans are living paycheck to paycheck. Plus, One-third of U.S. consumers say they aren’t currently saving any money and, of this group, 60 percent don’t have savings. This is a problem. Over half of our country is struggling to get by. Not to mention, if an emergency were to come up, the majority would be S.O.L! You may fall into these statistics, but should you? In this episode, I’m sharing five signs you shouldn’t be as broke as you are. If any of the signs apply to you, you’ll learn a few steps you can take to improve your situation.   Here's a glance at this episode: [01:45] Raya kicks off the episode by answering a City Girl Solutions question asking her what she does for fun. [04:48] If you have to pick and choose which bills get paid each month, your focus should be on bringing in more money or cutting back any non-necessary spending. [09:04] Emergencies don’t happen on our timeline. They will typically pop up at the most inconvenient time, so having a savings account in place will help to ease the mental and financial burden. [13:59] You get to decide if you want to keep doing what you’re doing or if you want to change your behaviors. [19:04] If you live paycheck to paycheck but don’t have a budget plan – that’s a huge problem that needs to be fixed.   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 Learn about Raya’s 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 Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! Check out the City Girl Savings blog!

Brands aren’t just for businesses and business owners. We all have a personal brand. Whether we work for ourselves, work for a company, or don’t work at all, our personal brand exists. So, the question becomes, what do you want people to think of when they hear your name? If you don’t know the answer or you want to change your current personal brand, this episode is for you! Today, I’m chatting with brand marketing strategist and founder of the boutique marketing agency Simply MultiMedia Milou Pietersz. Milou and I are going to talk about all things branding, content and more!   Here's a glance at this episode: [04:10] Milou shares more details about her company Simply Multimedia, including how they recently went through a company rebrand. [12:48] As you shift your message and/or brand (whether it’s personal for business), you may lose people along the way. That’s a good thing. [22:20] Milou reflects back on when she started her YouTube channel – sharing that it was such a humbling experience to see her original videos. [33:00] Milou recommends “long form content” for business owners who are struggling with their marketing efforts. [39:38] If you are consistent with your content and you have the right message, it may take time but you will have that slow and steady growth. [43:08] Raya shares why she worked corporate and grew City Girl Savings for over 6 years and what she learned from that experience.   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 Milou on Instagram 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!

If you practice gratitude on a regular basis, then you know that things will always be okay. No matter how bad something is, there’s this light at the end of the tunnel. You appreciate the good times, you learn from the bad times, and you stay humble. It’s a magical thing. If you don’t practice gratitude on a regular basis, you may find that things always seem bad. Nothing ever seems to go right. Nothing goes according to plan. There’s a solution: gratitude. In this episode, I’m sharing 6 ways gratitude leads to a richer life and how you can start practicing gratitude ASAP! Have you ever noticed that when you focus on the positive, more positive things seem to happen? On the flip side, when you focus on the negative, more negative things seem to happen. Almost as if what you focus on becomes your reality. Well, the mind is a powerful tool. When you practice gratitude, you’re almost forced to look at the positive. The more you focus on it, the more positive things there are to find. If you’re not sure how to go about practicing gratitude, start by writing down 5 things you’re grateful for everyday! They can be the same things, new things, small things or big things! As you become consistent, you’ll notice your natural state of thinking will be to show appreciation for things that happen to you.    Here's a glance at this episode: [02:20] Gratitude allows you to see the good in your life. When you practice gratitude, it forces you to think about the things you’re grateful for. [06:04] When you start to see the positive on a daily basis, because you practice gratitude, you naturally become a more-positive person. [10:09] One thing Raya is grateful for about herself is that she does what she says she’s going to do. She holds true to her word – with herself and her others. [12:47] If you’re just starting out with practicing gratitude, keep it simple! Start by listing out 5 things you’re grateful for every 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: Listen to Episode 4 – Why Mindset is Critical and How to Start Improving It 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!

Just 3 months before you’re listening to this episode, my sweet, kind, genuine mom, my last parent passed away. She had been terminally ill for years and it finally took her. 10 years before that, my dad was killed by a drunk driver at 4 in the afternoon on a road he’d driven on just about daily for 25 years. Those are two of the worst things that have ever happened to me.  And unfortunately, there were a lot of hard things that happened in between. But you know what? I’m still standing. In this episode, I’m sharing why I 100% believe that adversity breeds resilience and how I have been able to get through some of the worst times of my life. My hope is that this episode encourages you to keep on keeping on, even through your worst times. Not every day is easy, but here are a few things that have helped me when going through my most challenging times: Walking to the sunrise every morning Daily Devotionals, especially on grief and challenging times Listening to meditations and higher-power messages (I really liked this one) Journaling my thoughts and feelings Letting those close to me know when I'm having sad days If you're going through hard times, I'm praying for courage to power through, wisdom to know there's something good on the other side, and grace to allow yourself to get through the best you can.   Here's a glance at this episode: [02:20] We can choose to give in to the hard times, or we can choose to power through. Not everyday has to be perfect, but every day we get to choose.  [05:35] You can triumph in tragedy. Raya shares how the passing of her father opened the door for City Girl Savings to become a reality. [09:27] Staying positive is SO much easier said than done. But, Raya is saying it anyway. Staying positive can make or break an already-trying time. [13:37] Raya shares some of the things that helped her get through some of her most challenging times.   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: 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!

O.M.G! I can’t believe we’ve reached 100 episodes of the City Girl Savings podcast! First off, where does the time go?! Second, I’m so glad I bit the bullet and decided to launch the podcast in January of 2022. I had been contemplating a podcast for a long time, but the timing never felt right. I knew that if I was going to commit to showing up every week, I had to be in a space to do it. So, when I took City Girl Savings full-time in May of 2021, the podcast felt like the right next step. 100 episodes and nearly 2 years later, I know I made the right choice. To celebrate 100 episodes, I’m sharing my all-time 10 favorite episodes of the City Girl Savings podcast and why they made the list.   Raya’s 10 All-Time Favorite Episodes (in no particular order): #58: My Daily Morning Routine for Boosting Productivity #76: Breaking Down My Savings Accounts and Strategies #20: Breaking Generational Money Curses with Lea Landaverde #91: 35 Money Lessons I Learned by 35 #1: Big City Spender to City Girl Saver: How City Girl Savings Came to Be #41: Pulling Back the Curtain and Getting Intimate #81: Manifesting Money, Trips and More with CGS Client Tymika #10: Conquering the Fear of Failure and Re-defining Success #70: My Budget Non-Negotiables #12: An Introduction to Travel-Hacking with Travel Rewards Coach the Miss Miles Let me first say that it was incredibly hard to limit my favorites list to 10, but I did it! If you’ve been listening to the show from the beginning, THANK YOU! I hope some of these episodes made your favorites list as well.   Here's a glance at this episode: [02:28] Raya loves systems and routines, so it’s no surprise that Episode 58, where she shares her morning routine, made the all-time favorites list.  [06:45] From 34 to 35, Raya learned a lot about life, happiness, and money. Her lessons learned over 35 years had a huge impact on her. [11:34] Speaking with CGS Client Tymika about manifestation was an all-time favorite episode for Raya because it took listeners through some of the mindset work that happens on client coaching calls. [16:05] Yes, Raya is all about budgets. But, budgets that include the things we love! Raya shares why the episode on her budget non-negotiables made the all-time favorites 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: #58: My Daily Morning Routine for Boosting Productivity #76: Breaking Down My Savings Accounts and Strategies #20: Breaking Generational Money Curses with Lea Landaverde #91: 35 Money Lessons I Learned by 35 #1: Big City Spender to City Girl Saver: How City Girl Savings Came to Be #41: Pulling Back the Curtain and Getting Intimate #81: Manifesting Money, Trips and More with CGS Client Tymika #10: Conquering the Fear of Failure and Redefining Success #70: My Budget Non-Negotiables #12: An Introduction to Travel-Hacking with Travel Rewards Coach the Miss Miles   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!

Because the coaching industry is so new, it’s no surprise that most people assume they need a financial advisor, instead of a financial coach. I’ve been a financial coach since 2015 and many people have called me a financial advisor (which I’m not) and sought services outside of my wheelhouse. That’s why I’m so excited to have financial advisor Grace Kilgore on the show today. Grace and I are going to talk about the differences between a financial coach and a financial advisor, so whoever’s listening can understand the difference and seek out the right financial support. When you’re looking to establish your financial foundation – create a budget, pay off debt, build an emergency fund and improve your money mindset, a financial coach is what you need. When you have a solid financial foundation and you’re ready to build wealth – through investment vehicles like the stock market, life insurance and more, you’re ready to work with a financial advisor. My goal as a finance coach is to get my clients established and ready to work with a financial advisor. They have laid the foundation for financial consistency and now they’re ready to capitalize. In addition to educating listeners on the differences of financial coaching versus advising, Grace shares what it’s like to work as a woman in the male-dominated finance industry, what qualifiers she looks for before taking on new clients, and how she manages work, family and home life.   Here's a glance at this episode: [02:31] Grace shares her background and the interesting story of how she got into the financial advising space, unexpectedly. [11:43] “I don’t feel like I have to compete with my male counterparts”. The financial services industry is male dominated. Grace shares her experiences as a woman working her way up in the industry. [23:21] When someone is ready to work with a financial advisor, like Grace, she can help them avoid mistakes that could jeopardize their wealth-building efforts. [33:10] The verdict is in – Raya and Grace both agree that paying down high-interest debt should be a top priority, even above investing in the stock market. [43:37] Grace shares the time management tricks that work for her. She works better in small chunks of time when getting tasks done. [49:07] Fill your feed with financial encouragement to help make finances a priority in your 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 Grace on Instagram Want to work with Grace? Book a Discovery Call with her! 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!

There’s no denying the power of setting money goals…any goals for that matter. Goals keep us motivated. Goals give us something to work towards. Goals help us measure our success towards the things that matter most. Most people, myself included, set goals at the beginning of the year. There’s nothing like a fresh start! But if you’ve never set money goals before, I want 2024 to be the year you give it a try. In case you’re not sure what goals to set, in this episode I’m sharing 8 effective money goals for the new year, or any time, that you can set and work towards. Let this be your starting point to a prosperous financial year!   Here's a glance at this episode: [01:38] Raya answers the latest City Girl Solutions question: “How many coaching clients do you typically work with?”  [05:40] An effective money goal for anyone is to get started with investing. Even if it’s on a small scale, investing can be transformative. [10:47] Create a spreadsheet that helps you quickly identify what your savings situation looks like. Essentially, your savings account portfolio. [14:41] The only way to know if you’re actually sticking to the budget you’ve created is by tracking your spending regularly.   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: Rollover old retirement plans with Capitalize Download the Debt Repayment Checklist Let me create a budget plan 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 Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! Check out the City Girl Savings blog!

Do you always start the month with a new budget and high hopes, only to forget about it a few days later? Is your problem sticking to the budget instead of creating it? Or maybe you have completely given up on the thought of a doable budget? If your current budget or budgeting process isn’t working, it’s probably time to give your old budget a makeover! In this episode, I’m sharing some powerful ways to revamp your budget and make it as effective as possible for you! Remember, a budget takes work, so commit to seeing it through and it’ll become second nature in no time.   Here's a glance at this episode: [01:55] Creating long-term budgets doesn’t always work as well as intended. Start with a monthly budgeting routine.  [04:59] Having a “close-by” savings and Miscellaneous category in your budget can help you if unexpected expenses pop up. [09:35] A budget doesn’t mean you can’t have fun. Your budget should include fun!  [12:25] Constantly overbudget? Where is that money coming from? Are you going into debt or tapping into savings?   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 63 – How to Financially Prioritize Your Needs and Wants Listen to Episode 17 – Why Your Budget Should Always Include the Things You Love Let me create a budget plan 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 Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! Check out the City Girl Savings blog!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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 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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

Aristotle once said, “We are what we repeatedly do.” If this is true, then how we go about our days and the habits we put in place play a big role in who we are and what we accomplish. If our consistent actions aren’t in line with our goals, we may feel discouraged and defeated. Instead, setting effective routines can ensure we work towards the things we want, especially with money. In this episode, I’m sharing 5 money routines to implement in order to see next level growth in your situation. Once you become conscious of your actions, you can start (or continue) doing things that help you grow. Here's a glance at this episode: [02:37] Budgeting shows you what you can afford to spend, when you can reach your goals and so much more. [09:27] When you set goals, you can start working towards those goals. Whether the goals are achieved timely or not, progress is being made. [11:54] Tracking your net worth allows you to see how your financial situation has changed month over month or year over year. 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 free Monthly Budget Overview Tracker Let me create a budget plan for you! Listen to Episode 50 – 10 Goals to Make the Most of Your Life in the New Year What Happened After Tracking My Net Worth for a Year 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!

For most people, the thought of tax season is daunting – especially if you don’t understand what makes the most sense for your situation. From a personal perspective, my tax situation is relatively simple, so TurboTax has always done the trick…not so much from a business perspective. That’s why I’m so excited to talk with Duke Moore of Duke Loves Taxes about how entrepreneurs, content creators and business owners can tackle taxes with confidence. Thanks to his easy-to-understand tax advice, Duke has helped thousands of people make the most of tax time! Here's a glance at this episode: [06:00] Did you know you can become a QuickBooks pro? Duke (and myself) recommends QuickBooks for simple bookkeeping. [25:10] Duke and I talk about tax mistakes entrepreneurs and content creators often make and ways to avoid those mistakes. [31:15] Not sure where to draw the line with the write-offs for your business? Duke helps listeners understand what truly makes a write-off valid. 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 Duke or become a client. Follow Duke on Instagram 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!

If you’re listening to the City Girl Savings podcast in real-time, then you may have noticed a theme in the past few episodes – wrapping up the current year and preparing for the New Year! Year-end closes and new year-starts have made a huge difference in reaching my goals, and these practices can help you too! In this episode, I’m walking you through understanding and completing your very own year-end money review. Listen in for tools and practices to improve your finances! Here's a glance at this episode: [05:05] It’s not just how much you spend, but how much you make too. Knowing your income matters! [08:00] Avoiding overwhelm and where to start when it comes to expenses [13:15] Make next year's money review even better! Brainstorming ways to improve your 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: Download the Free Money Moves Packet Struggling with your finances? Schedule a free financial focus call with me!

During the last quarter of every year, I like to sit down and set my personal and business goals for the next year. I reflect on goal progress and use the information to adjust and set my goals for the new year. Whether I reach my goals or not, I always continue setting goals to work toward. As we approach 2023, I’m sharing my personal and City Girl Savings' goals for 2023. Tune in as I put my new years' vision out into the universe! Here's a glance at this episode: [01:32] My personal goals for 2023 and how I came up with them. [07:29] Understanding the City Girl Savings business goals for 2023. [13:39] Why businesses set higher targets and identifying the KPIs. 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: Check out the City Girl Savings goals for 2022! Join the City Girl Savings Facebook Group (and help us reach our goal)! Download the Free Money Moves Packet Struggling with your finances? Schedule a free financial focus call with me!

2023 is fast approaching! If I'm being honest, I absolutely LOVE this time of year. The New Year can be so inspiring and motivating. It's the best time for a fresh start and to get your momentum flowing! In this episode, I’m walking you through the things you can do to financially prepare yourself to make the most of the this season! Here's a glance at this episode: [02:16] Getting clear about your current financial situation. [05:30] The power of setting your financial goals. [08:15] Saving for your priorities and working towards what truly matters to 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: The Best Way to Set Money Goals for the New Year Save with a High Yield Savings Account. Synchrony or Ally are great options! Listen to Episode 15 – My Debt Free Story and Takeaways Listen to Episode 21 – Setting up your Own Financial Filing System Download the Free Money Moves Packet Struggling with your finances? Schedule a free financial focus call with me!

Life is incredibly short. We get this one chance to make it as amazing as possible. I've done a lot of soul-searching in my life – and become very clear on what I want my life to look like. Every day, I make a conscious decision to do things that help me get closer to that dream life. Another woman doing the same is Madison Anaya of the Fearless Chase. In this episode, discover how you too can fearlessly chase a life you love. Here's a glance at this episode: [10:48] Navigating and releasing the fears of others [18:00] Throughout life, “your definition of success will change.”  [26:45] Not sure where your limiting beliefs or unpopular opinions come from? Madison shares some tips to journal out those thoughts. 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 Madison on Instagram Follow Fearless Chase on Instagram Listen to Episode 10 about how I redefined success for myself. Shop the Fearless Chase Listen to the Fearless Chase Podcast Download the Free Money Moves Packet

Life goes by faster than we expect, which is why I always try to make the most of my time. I think setting and working toward goals is a great way to make the most of your time. In this episode, I’m sharing 10 different goals you can set to make the most of your life in the new year, or at any point in time! Here's a glance at this episode: [06:35] A personal goal that can make a huge difference on your journey to personal success. [10:00] To build wealth, you need to save AND invest. Learn where to start. [12:45] The power and positive impact of having a good mentor. 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 the Harvard Business Study about goal setting. Listen to Episode 10 – Conquering the Fear of Failure and Redefining Success Listen to Episode 4 – Why Mindset is Critical and How to Start Changing It Download the Free Money Moves Packet Get started with investing with Betterment. Struggling with your finances? Schedule a free financial focus call with me!

Coming from the girl who’s gotten herself into and out of debt multiple times, I know a thing or two about the debt payoff process. Could now be the time you pay off your debt once and for all? In this episode, I’m sharing some common mistakes to avoid when embarking on your debt payoff journey. Here's a glance at this episode: [03:40] You need a budget! Leverage your budget to help you determine how much you can realistically afford to put towards your debt. [05:35] A recipe for disaster when working to pay down your debt. [12:45] What to do once you pay your credit accounts off. 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: Let me create a budget plan for you! Listen to Episode 15 – My Debt Free Story and the Biggest Takeaways Download the Free Money Moves Packet Leverage a high yield savings account for your emergency fund. I recommend Synchrony and American Express Bank. Struggling with your finances? Schedule a free financial focus call with me!

I read Profit First back in 2018 and it completely changed how I managed my business finances. The beauty of Profit First is that it's centered around the notion of “paying yourself first”. In this episode, I’m sharing how anyone can apply Profit First to their life and business. Here's a glance at this episode: [01:35] Understanding a few key points of the Profit First model. [09:00] Don’t be afraid to start small! Even putting 1% away can add up over time. [12:20] Learn how to determine your Profit First percentages. 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: Profit First by Mike Michalowicz Download the Free Money Moves Packet Listen to Episode 7 – 10 Biggest Lessons Learned from Running My Business The Richest Man in Babylon

There’s a misconception among young people that there’s no need to do any form of estate planning. As tough as it is to think about our untimely passing or incapacitation, we have to deal with those thoughts and get a plan in place. In this episode, I’m talking with Crista Hermance, attorney and founder of the Estate Planning Mom about what estate planning actually means and how millennials can take action today. Here's a glance at this episode: [04:56] What is an estate? Crista breaks down the basics of estate planning. [16:50] Got bank accounts and retirement plans? Discover how to bypass the lengthy probate process. [41:40] Have assets in multiple states? Crista explains how to protect all of your assets. 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 Crista Hermance Follow Crista on Instagram Listen to the Planning Parent podcast Download the Free Money Moves Packet

Halloween is one of my favorite holidays! From Hocus Pocus to pumpkin spice lattes there are lots of fun and festive things to focus on, but there are also a number of scary things to discover! In this episode I’m sharing the spooky reality of millennials and money, with statistics that will truly turn your stomach! Here's a glance at this episode: [01:45] The terrifying truth about how and why young adults spend there money [04:15] The stagering number of people living paycheck to paycheck in America right now! [06:10] Beyond the price of gas, the daunting impacts of inflation. [09:03] Do you know what an ideal emergency fund amount should be? 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 the CNBC Article with the statistics Listen to Episode 31 – How I Combat the Competition Mindset Download the Free Money Moves Packet Listen to Episode 1 – Big City Spender to City Girl Saver High-Yield Saving Account Recommendations: Synchrony, Ally, American Express Bank, Discover

Are you ready for the holiday season? It's just around the corner and the earlier you can start planning, saving and preparing for, the better. The holidays are meant to be fun, enjoyable, and stress-free. Not stressful and anxiety-inducing. In this episode, Discover how to prep your budget for the holidays and keep your spirits (and bank account balances) high! I’ll even be sharing some bonus tips to make the most of your holiday spending. Here's a glance at this episode: [03:25] Automatice savings transfers and how it can support you with holiday expenses [06:10] Don’t let greed creep into your holiday spending plans. [08:30] Support yourself and what not to do as you enter the holiday season! 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: Did you know I create budget plans? Get yours today! Download the Free Money Moves Packet5 Reasons Not to Go Into Debt During the Holidays

To all my millennial friends out there, the time to start thinking about retirement is now. And actually, that goes for everyone! Trust me, I get it – the younger you are, the further way retirement seems. Who knows what life will look like then? In this episode, I’m sharing why you need to start thinking and saving for retirement now and breaking down some numbers to help drive home my point. Here's a glance at this episode: [01:35] How contributing to my company’s 401k plan right out of college led to saving over six figures! [02:21] Want to know how to be a millionaire at retirement time? Let's look at the numbers and make it happen! [10:34] Can’t save for retirement through your job? There are other options! 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 1 – Big City Spender to City Girl Saver How I Picked My 401k Selections Download the Free Money Moves Packet Need to Rollover your old 401k plans? Let Capitalize help you do it!

I’m a firm believer in the power of the mind. Think positive and positive happens. Think negative and negative happens. Whether you believe in the power of positivity or not, a shift in how you think about money or your situation can spark amazing change. If negativity is your go-to state of mind, it’s time to change things up. In this episode, I’m sharing 6 negative thoughts that could be hurting your money situation so you can recognize those thoughts and turn them around. Here's a glance at this episode: [02:11] People have over 60,000 thoughts in a day. The impact of negative thoughts is greater than you think! [05:40] Do you struggle with taking compliments? Discover what this could mean in the affect it has. [07:32] Six negative thoughts that could be hurting your money situation. Ways to recognize them and make positive 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: Listen to Episode 4 – Why Mindset is Critical and How to Start Improving It Listen to Episode 35 – Breaking Free of Broke Once and For All Download the Free Money Moves Packet= Listen to Episode 10 – Conquering the Fear of Failure and Redefining Success Free 5-Day Money Mindset + Manifestation Challenge

I’m not a mama…yet. I mean, who knows what the future holds. However, if I were a mom, I suspect my budgeting practices would be taken up a few notches to ensure my kiddos, my priorities,  and my goals were covered! That’s why I’m so excited to talk with Dyana from Money Boss Mama in this episode. Dyana shares how she budgets as a single mom, makes time for herself, and helps set her kids up for success. For all the mamas out there in the City Girl Savings community, this one’s for you! Here's a glance at this episode: [04:28] The creation of Money Boss Mama.  [20:47] Savings and assets at an early age. [32:00] Let budgeting be your liberation. [37:20] Dyana gives her guidance for current and expecting moms. 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 Dyana of Money Boss Mama on Instagram Follow City Girl Savings on Instagram Download the Free Money Moves Packet Get Dyana’s Free Training Check out Dyana’s YouTube Channel Check out the City Girl Savings YouTube Channel

I’m actually a very private person. I've had this  subconscious guard up for as long as I can remember. In today's episode, I'm challenging myself to break down that wall, and get intimate about my life. I’m sharing stories from my past and how they’ve shaped me. Why? So you can get to know Raya, founder of City Girl Savings, on a much more personal level.  It's because of the incredible City Girl Savings Community that I feel inspired willing to talk about anything. I hope you enjoy learning a little more about me. Here's a glance at this episode: [03:45] How a parent's actions shaped my view of trust in relationships. [18:13] My first *almost brush with experiencing loss. Holding on to powerful advice. [40:00] The benefits and value of therapy. [49:14] What's coming 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: Download the Free Money Moves Packet Check out Episode 1 to learn how City Girl Savings came to be You can also learn my start-up story

If you take a second to think about it, challenges can be extremely effective! You have someone guiding you through. You have other people participating, which increases accountability. You have new tools and ideas to do things differently. Essentially, all the things you need to succeed. In this episode, I want to focus on money saving challenges and why you should give them a go. I’m sharing 5 reasons to try a savings challenge. Here's a glance at this episode: [02:15] One of the biggest benefits of participating in a savings challenge is the extra accountability you get from everyone participating. [04:05] Community can have a major impact on how people take action. The support, accountability and motivation can keep you going. [09:12] There’s nothing to lose and nothing at stake when it comes to a savings challenge, so why not give it a go?! 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 8-week Frugal Fall Savings Challenge Join the City Girl Savings Facebook Group Follow City Girl Savings on Instagram

Honestly, there’s no better feeling than taking a vacation, not worrying about money and coming home knowing your bills are taken care of. I’ve experienced traveling that way. I’ve also experienced traveling where money is a constant stressor both during and after the vacation. To make the most of any trip, I plan the financial before, during and after. Since I’m fresh off a vacation and I stayed in budget, I want to share with you my best practices for staying in budget while on vacation. In this episode, you’ll hear how I manage to stay in budget whenever I travel and hopefully it will help you stay in budget while on future vacations! Here's a glance at this episode: [02:22] I share a story about a financially stressful travel experience and how its helped me realize how much better planning and saving for a vacation can be. [04:45] Asking yourself the right questions before your trip can help you set the right budget to stick to when you’re on the vacation. [10:20] Common areas that add up while on vacation are food and drinks. Be realistic with the numbers you set and save for this while on vacation. 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 Join the free 8-week Frugal Fall Savings Challenge

Mental health is a serious matter, and it’s an incredibly hard topic to talk about. There is also a direct correlation between money and mental health. In this podcast episode, I’m talking with Lisa (who has wished to keep her identity private) about her struggle with money and mental health. Lisa talks about the impact her mental health struggles have had when it comes to money, budget, career and more. Dealing with mental health issues is hard enough, but the added layer of money can make it nearly impossible. Know that if you struggle with mental health, you're not alone. There are resources available and City Girl Savings is absolutely one of them! I'm so glad you're here! Here's a glance at this episode: [12:00] The best money education Lisa has ever received. [23:39] Prioritizing mental health and making bold requests of your employer. [34:00] How to ask for help and get the support you need. 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: Schedule a free financial focus call with me Learn more about my 1-on-1 money coaching program Join the free 8-week Frugal Fall Savings Challenge Download the Free Money Moves Packet Reach out to your HR contact to learn about any Employee Assistance Programs available to you.

Delayed gratification is the ability to say “no” to current wants in the present in order to say “yes” to true desires for the future. Essentially, it’s your willingness to practice self-restraint towards the things that you currently want because they don’t help you achieve your future goals. I’ve implimented this practicing for years now, and it’s been a total game changer in the success I’ve experienced. In this episode, I’m sharing how practicing delayed gratification sets you up for financial success. Here's a glance at this episode: [03:24] The powerful impact of practicing delayed gratification! [07:21] Simple ways to practice delayed gratification. [09:23] Building your delayed gratification muscle! 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: Understanding Your Spending Triggers Download the Free Money Moves Packet Delayed Gratification for my new Lexus

Believe me when I say nothing sells better than YOU! I used to hide behind the City Girl Savings brand. Instead of putting my name and face out there, I’d act as if I was The CGS Team. I never let anyone see or hear from me…from Raya. It wasn’t until I started coming out of the shadows that my business truly started to take off. That's why in this episode, I’m sharing how you can put more of YOU into your personal or business branding. Here's a glance at this episode: [03:42] What does it look like to put yourself into the mix? [05:22] Using your thoughts as nuggets and sprinkling in  your own experiences. [07:16] How to start sharing more about yourself 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 City Girl Savings on Instagram! Download the Free Money Moves Packet

I need to stress something for a second… being “broke” is not something anyone should speak into their life. We are what we think about, and if we’re constantly thinking we’re broke or don’t have enough, that becomes our truth. What if we try something different, and choose the belief say I am a work in progress! Outside of removing “broke” from your vocabulary, in this episode, I’m sharing how you can break free from broke…once and for all! Here's a glance at this episode: [02:35] 5 signs you shouldn’t be as broke as you are. [04:05] Taking ownership of your spending to gain back control of your money. [09:32] A budget as a tool to understanding your situation and determining spending limits. [11:00] Shifting mindsets and focusing on the solution. 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: Should You Really Be Living Paycheck to Paycheck? Download the Free Money Moves Packet Episode 3 – Breaking Through the Stigma of Budgeting Need a budget plan? Let me create one for you!

At the end of the day, it’s not about how much money you make…it’s about how intentional you are with your money. A person who makes a lot but spends a lot is less effective than the person who makes less while also spending less. Regardless of how much you make, as long as you’re intentional with your money, you will see results.  Are you thinking through each purchase? Are you leveraging your money to get ahead? In this episode, discover how to get ahead by being intentional with your money. Here's a glance at this episode: [05:07] Knowing your financial status, and the gift of a budget. [09:27] Overcoming the temptation to spend to ulitately curb the desire to spend. [11:56] Setting intentional money goals to stay on track and make the self-supporting financial decisions. 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: Download the Free Money Moves Packet Episode 6 – How I Curbed My Desire to Spend Episode 11 – The Power of Visualization to Help You Reach Your Goals The Best Way to Set Your Money Goals

Social media has been a true game changer! In fact, there’s a whole industry around influencer marketing that has made regular people very wealthy. Whether you want to be an influencer or not, social media can be leveraged to help build your personal brand, or the brand of your business. In this episode, I’m speaking with CGS client turned business owner Ebony Smith. Ebony took her social media marketing business full time last year and has been leveraging it to transition her business into offering CEOs operational support. Today, Ebony shares tips and tricks to help anyone utilize social media to their advantage. Here's a glance at this episode: [15:40] There is such a thing as posting too much content! How to not overdo it with your audience. [22:20] Social media as a catalyst for long-lasting relationships, both personal and business. [36:00] A budget-friendly work around to consistent and automatic social media posting. 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 Ebony on Instagram Get on Ebony’s Newsletter! Download the Free Money Moves Packet

At some point in time or another, most of us have been obsessed with looking at our credit score. Thanks to Credit Karma or monthly score tracking, keeping tabs on our credit scores is easier than ever. While I do think knowing your credit score at all times is beneficial, I don’t think it’s as important as people make it out to be. In this episode, I’m sharing why you shouldn’t focus too much on your credit score number, but instead focus on the things that really matter when it comes to your credit. Here's a glance at this episode: [01:35] What is a Credit Score? [03:33] Knowledge is power. The importance of reviewing your credit report. [06:45] Best practices for improving your Credit Score [10:10] Maintining credit history, to increase your credit scores.  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: Download a free copy of your credit report from www.annualcreditreport.com Download the Free CGS Money Moves Packet Use companies like Credit Karma or MyFICO to track your scores Take credit monitoring to the next level

With the rise of social media, we have a direct line of sight into the lives of our favorite celebrities, influencers, and even our peers in life and business. This can be dangerous. Seeing what other people have can bring up feelings of jealousy, inadequacy or a slew of other negative emotions. Over the years, since starting City Girl Savings, I’ve managed to combat the competition mindset that comes with seeing what others are doing. In this episode, I’m sharing the best practices I use to help you combat jealousy and stay inspired by others! Here's a glance at this episode: [01:41] Becoming comfortable with yourself and your value in this world. [05:00] How to avoid the competitive mindset with peer businesses and those in a higher position. [10:50] Keeping the focus on where you’re going and where you want to be. 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 Changing It Join my free 5-day Money Mindset + Manifestation Challenge Download the Free Money Moves Packet

If you're like me and love new experiences or visiting new places, then this episode if for you! I’ve learned over time that I find so much joy exploring new places, new foods, and new cultures. And the more I travel, the more I want to travel. As a money coach, I know the importance of budgeting for a vacation. Today on City Girl Savings, I’m sharing how I plan and save for travel, and some of my favorite budget friendly vacation destinations. If you want to travel but you’re worried about your budget, I’ve got you covered!  Here's a glance at this episode: [02:16] Tickets FIRST [07:50] The importance of budgeting ahead so you can save accordingly. [11:50] Top tips for planning a vacation on a budget. 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: Hopper, flight-price tracking American Airlines and Southwest Airlines rewards programs Marriott Bonvoy Rewards American Express Marriott Bonvoy Card Orbitz and Expedia for hotel searches Enterprise Rewards Viator for activities while on vacation High yield savings account recommendations: American Express Bank and Synchrony Use Digit to save for travel (get $5 on me)!

My life did not go according to my original plan. But you know what? I’m not alone! A lot of people experience unplanned changes. Being able to recognize when you need to pivot and then embrace that, is key to keeping spirits high. Today’s guest Bailey Lang of The Writing Desk shares how she has adapted to changing circumstances with grace and ease. Life has thrown Bailey some major curveballs, and she’s been able to catch them to create a life that brings her joy. Dicover how you can too! Here's a glance at this episode: [11:25] Bailey shares what she learned about herself through the lose of her husband. [19:50] Challenging the fear of starting a business and not knowing if it will work. [32:50] Bailey's tips for those who struggle with embracing change. [42:55] Getting ahead in taxes to sustain your dream of self-employment 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 The Writing Desk Join Bailey’s free email challenge Download the CGS Money Moves Packet Episode 11: The Power of Visualization to Help You Reach Your Goals 

Do you feel like you should be further along in your financial journey or wishing your money situation was different? Not to sound too harsh but, what are you doing about it? The cold hard truth is that you, and only you, are responsible for how things turn out in your life and in your finances. You have the power to free yourself from your money situation. It's of course easier said than done, but that doesn’t mean it can’t (or shouldn’t) be done. Check out this episode for a few great ways to stop holding yourself back with money and start getting ahead. Here's a glance at this episode: [04:04] The importance of discomfortable for transformation. [07:49] Getting clear on what you want out of life. [10:05] The power of reframing your thoughts 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: Check out the Life Coach School Podcast for mindset help Save Your Spot in the Free Masterclass: 3 Facts to Shift Your Money Perspective Learn more about my 1-on-1 financial coaching program

Have you been struggling to get to the next level in your finances and finally break free with your money? I firmly believe there are 3 things EVERYONE must know to breakthrough with their money and start seeing the progress they truly want. Money management is about knowing where your money is going and why. You are able to control what your money does at all times, putting you in the driver seat towards your dream life. So, how do you manage your money the right way? Listen to this podcast episode to learn what it takes! Here's a glance at this episode: [01:45] Three things you need to break through with your money. [08:11] Understand your financial situation: three forms of reviews [11:11] The 50-30-20 budget rule: a simple money framework. 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 Free Masterclass: 3 Facts to Shift Your Money Perspective Learn more about common budgeting methods

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!

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!

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

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 

“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

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

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

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.

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

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!

Jennifer Hill, founder of The Hill-Top Services, founded her virtual assistant company to help small business owners and entrepreneurs. Jennifer talks about what prompted her to start her business and become a full-time entrepreneur, tips and tricks to make routines a breeze and some of her favorite resources for the systems in her own life and business. Hint: she’s big on writing things down! Tap into the power of systems for your life or business with today’s episode! Here's a glance at this episode: [03:14] Jennifer shares her experience starting The Hill-Top Services and the tipping point that encouraged her to take the leap to full-time entrepreneur. [17:14] Pen and paper never disappoint! Jennifer shares how writing things down makes all the difference in her own systems and routines. [29:29] Jennifer and I discuss why the focus should be on setting up processes in your business, not on constantly marketing to get more clients. 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 The Hill-Top Services Follow The Hill-Top Services on Instagram Download the CGS Money Moves Packet Get the Balance App today! Set up your own Google Drive account

Did you know millennials carry an average credit card debt amount of about $4,600? I’m proud to say that I’m credit card debt-free, but that wasn’t always the case. In fact, I had gotten myself into tens of thousands of dollars in debt multiple times. It took years and thousands of dollars to undo the damage. Today, I’m sharing some of my biggest takeaways from the experience. Here's a glance at this episode: [02:10] Credit limit increases can be dangerous territory as they give you a false sense of security that can lead to more spending. [04:31] Learn from my mistake…making minimum payments and continuing to use credit cards, combined with interest fees, can quickly take you over the credit limit. [06:52] If you’re not careful with your credit card usage, it can take minutes to overspend and accumulate debt, and then take years for you to get out of the debt payoff cycle. [08:49] If you do not get to the root cause of your overspending, you will end up back in 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: Get a free annual copy of your credit report at www.annualcreditreport.com Download the CGS Money Moves Packet Need to organize your debt? Get the CGS Debt Reduction Kit today!

I’m not a millionaire…YET! But, it’s something I’m actively working on and it’s something that is realistic for everyone. It may be harder for some people compared to others, but it is possible. There are 8 steps that everyone can take to work towards millionaire status. Step 1: Affirm your million-dollar savings goal. Step 2: Reduce your negative “profit margin”. Step 3: Live a life of frugality. Step 4: Ask for a raise (or start making more money). Step 5: Start investing. Step 6: Remember, your 401k is an investment. Step 7: Change your circle of influence. Step 8: Stay consistent and be patient. Anything worth having is worth working for. Don’t give up until you reach you millionaire status! Here's a glance at this episode: [06:28] Increasing your profit margin over time is the goal. The more you have leftover after your bills are paid, the more you can save and invest to get to the million dollar milestone. [11:13] Investing is one of the best ways to reach a million dollars, especially if you’re getting a later start with your savings. [15:12] Leverage an online calculator to help you determine what you need to contribute towards retirement. 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: Start investing with Betterment Save your spot in the Launch Your Business Intensive!  Merrill Lynch Retirement Calculator

When you feel like you have a sense of purpose in your life, you wake up each day full of gratitude and a fire to work towards that purpose. I want you to look up and realize that you’ve achieved or you’re working to achieve everything you want out of life. Here are seven questions to ask yourself to determine what you want. Here's a glance at this episode: [01:53] First question to ask yourself is what you want to be doing in retirement. What does your life look like then? [07:14] Fourth question to ask is what your core values and beliefs are. These will help you make decisions throughout your life. [10:11] Your final question to ask will help you determine how you should plan your life. Are you more spontaneous or structured? 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: Take the Love Language quiz Save your spot in the Launch Your Business Intensive!  Check out the City Girl Savings Core Values

Elina Geller of The Miss Miles is a travel rewards coach who helps women travel the world in luxury, for next to nothing! Elina herself used travel hacking to fly her and her mom to London, at no cost. She used it to travel business class from Amsterdam to Texas to attend FinCon. Every time she flies, it’s on points. Elina shares her tips for racking up the most points possible in preparation. Elina and I also spend time talking through the importance of traveling and how it truly does broaden a person’s perspective. When you travel, your mind becomes more open to what’s outside of your normal place and routine. Here's a glance at this episode: [04:30] Elina takes the time to break down travel-hacking so that everyone can understand the concept. [07:37] Elina shares how many countries she’s traveled to (and it’s a lot) along with some of her favorite places to visit. [26:26] Leverage a “points mule” to help you rack up points in preparation for a trip you want to travel-hack. 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 Elina on Instagram Interested in her offer?! DM her on Instagram to learn more! Earn 75,000 bonus points with the Amex Bonvoy Card! Save your spot in the Launch Your Business Intensive! 

A few years ago, I took the Strengths Finder test to have a better understanding of myself. One of my top strengths is “Futuristic”. This means I’m inspired by the future and what could be, essentially visualization. Visualization is your ability to imagine things and see it in your mind. It doesn’t necessarily tell you HOW to get to what you’re visualizing, but it does open your mind to what’s possible. Once you see it, you can believe it. Once you believe it, you can achieve it! Here's a glance at this episode: [02:01] I started using visualization at a very young age. I would visualize myself becoming an actress, accepting awards and visiting the red carpet. [04:04] Not sure how to visualize? Start with your goals! Imagine what life would look like when you’ve achieved those goals. [08:00] I’m sharing a few resources and tips to help you tap into the power of visualization. Whether you’re able to visualize now or not, these tips will help at every level. 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: Take the StrengthsFinder Test Download the CGS Money Moves Packet Future You Exercise

Have you ever had a dream but your fear of failure kept getting in the way? When I decided to pursue City Girl Savings full-time fear reared its ugly head. I sought out the skills, tools, and resources I needed to not allow fear to stop me. Reading “The Power of Now”, journaling, asking questions and truly seek the answers, and daily affirmations are powerful resources for me. Journaling about my fear of failure lead to this realization: I get to define “Failure” and I could never be a failure because of all that I’ve done up until this point. Unless I’m dying or on the verge of dying, this “fear” I have is unnecessary. I also shifted from society's view of success to what a successful life really looks like for me. What I realized: I’m already a success! Here's a glance at this episode: [04:55] I break down a journal entry I had years ago that shows my fears as thoughts and how I shifted the narrative as I was journaling those worries. [07:45] After reading The Power of Now, I was able to have conversations with myself and ask questions to get to the root of my thoughts. [12:30] The true way to kick the fear of “failure” in the butt is defining what failure means to you and making sure you never get to that place. 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: The Power of Now by Eckhart Tolle Get your Start Today Journal Download the CGS Money Moves Packet

February is Black History Month, so I want to shed light on some individuals in the finance space who constantly inspire me. These individuals are all people of color too! Tonya Rapley is the founder of My Fab Finance, Club Loofah and the non-profit organization Maternal Health and Education Project. Carter Cofield is a CPA and founder of Cofield Advisors. He helps creatives reach financial success through a variety of services and offerings. Patrice Washington has created an entire brand around faith, life and money. She is also the host of the Redefining Wealth podcast a successful coach for women. Ash Cash Extanus is one of the nation’s top financial educators. He’s been featured in multiple outlets and takes a culturally responsive approach to his financial teachings. Koereyelle is a multi-business owner and brand-building coach. She helps teach black women how to make everyday a pay day through her Werk University program. Rachel Rodgers is an author, intellectual property coach and founder of Hello Seven. Their mission is helping women make 7 figures per year without sacrificing family, health or sanity. Here's a glance at this episode: [01:04] Kicking off our list with an inspiring businesswoman. Tonya Rapley has created multiple businesses over the years and continues to make women’s lives better. [08:59] Wrapping up our list is Rachel Rodgers, who helps women create seven-figure businesses while living a life they love. 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 Tonya Rapley on Instagram Follow Carter Cofield on Instagram Follow Patrice Washington on Instagram Follow Ash Cash on Instagram Follow Koereyelle on Instagram Follow Rachel Rodgers on Instagram Download the CGS Money Moves Packet

While I don’t think investing in the stock market is the only way to build wealth, I think it’s one of the best ways to build wealth! Today’s guest is Andre Albritton of The Millennials Next Door and he’s going to share how anyone, regardless of their income situation, can get started with investing! Learn what got Andre started in investing and how he turned it into a growing side hustle. Andre explains the different types of investments and shares how you can get started! Don’t forget that your retirement plan is a form of investment! It’s one of the best forms of long-term investing. Here's a glance at this episode: [12:45] Andre shares when to prioritize debt pay-off over investing, and how to make sure it’s financially strategic. [16:08] Andre breaks down how to figure out what amount people should be investing. [27:27] Andre shares some of his favorite investing platforms and why. There are a lot of options out there, so don’t be afraid to experiment! If you haven’t done so already, subscribe to the podcast. So many great episodes are on the way and, if you’re not subscribed, there’s a good chance you’ll miss out. Subscribe now! Resources mentioned in this episode: Visit The Millennials Next Door blog Learn to invest with TMND University Follow Andre on Instagram Get started investing with Betterment or open an IRA Get started investing with Robinhood Get started with investing with Public Download the CGS Money Moves Packet

City Girl Savings just celebrated its 7th birthday! There were plenty of ups, downs, and everything in between. Let's look at some some of the life changing and valuable lessons learned along the way! 10 Top Lessons Learned #1 – Be open to change! #2 – Grind through the slow times. #3 – You never know when the next sale is coming. #4 – Don’t be afraid to let go of some responsibility. #5 – No one will love your business like you do. #6 – Invest in your knowledge and growth.  #7 – Always remember your why.  #8 – Try new things to get different results.  #9 – There’s more than enough to go around.  #10 – “Overnight success” takes years.  Here's a glance at this episode: [01:30] Flashing back to seven years ago when the City Girl Savings blog, website and community was officially launched. [01:55] I dive into the 10 biggest lessons that I have learned over the span of the 7 years that City Girl Savings has been up and running. [11:48] The 8th lesson I’ve learned and why it’s been such an important aspect of the success of my personal and professional life. Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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: Episode 1: How City Girl Savings Came to Be Download the CGS Money Moves Packet Get 1-on-1 Business Coaching with Me

Before City Girl Savings, there wasn’t anything I wouldn’t spend my money on. I would constantly be out shopping. After facing a potential eviction, I was forced to get my spending in check. There’s a different level of drive when you’re forced to do something! I learned that I’m a natural-born spender, so I have to always be mindful and prioritize what’s important. I shifted my focus to the things that mattered most to me. I started setting and achieving goals. Anything that wasn’t helping me get closer to my goals wasn’t important and didn’t need money dedicated to it. Start getting clear on what matters most to you! Focus on those things and you’ll find the desire to spend when you don’t need to slowly subsides! Here's a glance at this episode: [01:20] There were two specific times in my life where I had to curb my desire to spend. One of those times, I had no choice. The other, I made the conscious effort. [06:53] I learned an important lesson about myself – I’m a natural-born spender. I can always find something to spend my money on. [11:50] Keeping my goals front and center allows me to constantly remind myself that I shouldn’t overspend, especially if it’s going to be at the expense of my goals and dreams. Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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: Download the CGS Money Moves Packet Free 5 Day Money Mindset and Manifestation Challenge Let me create a realistic budget plan for you!

Whether you’re a person of color or not, there are things we can all do to lift up and support those who need it more than others. In today's episode we'll look at: The severity of racial inequality and its financial impact. Why people of color stand at a disadvantage, whether it’s the working class or business owners. How you can make more inclusive financial decisions and make a difference to those who need it most. From financially supporting BIPOC-owned businesses, to following and sharing financial influencers who are people of color, to donating to organizations that work to improve racial inequality, you can be part of making a difference! Here's a glance at this episode: [01:20] Why I identify as a person of color and how I vow to keep the hard conversations going, so true change can take place. My door is always open. [03:50] I share a handful of ways that people of color and non-people of color can make more inclusive financial decisions to help drive equality. [07:34] Organizations I’ve found that help drive change. These organizations are near and dear to my heart and a great place to start when finding organizations to donate to. Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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: The Black Business Green Book WeBuyBlack EatOkra Ms. Foundation for Women Unsilence The Innocence Project Color of Change

The way you think about things determines how you feel and react to those things. Those reactions, whether they’re good or bad, determine your outcome and results. Most of the population isn’t aware of how they think, so if that’s you, we’re changing it as of right now!  I'm going to share my favorite mindset tips and how to counter negative thoughts with positive ones. Here's a glance at this episode: [04:20] If you’re not aware of your mindset and how you think, you could be doing things that don’t help you reach your goals or your dream life. [09:33] How to start changing your mindset and thoughts with an activity that helps you counter negative thinking. [11:52] Tools, resources and recommendations on things that helped me change my mindset and become a more self-aware individual. Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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: Download the CGS Money Moves Packet The Power of Now The Life Coach School Podcast Work with me 1-on-1 to change your money mindset

There’s no denying it – there’s a stigma around budgeting. The truth is though, a budget is simply a tool that tells you what money is coming in, what money is going out, and what money is left over. In today's episode, learn how to reframe your view of a budget and harness it to create financial freedom. Take control of your money and make great things happen! You can download my free Monthly Budget Overview Tracker to get your numbers into a good format for brainstorming! Here's a glance at this episode: [03:35] How to take a logical approach when thinking about budgeting – this is the first step to breaking through the budgeting stigma. [08:54] Ideas to help you reframe your thought pattern when it comes to budgeting. [13:43] How to create your own simple, logical budget – steps you need to create a simple budget, so you know how to move forward.   Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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: Let me create a budget plan for you!  Download the CGS Money Moves Packet Learn more about how I help my clients

Did you know that planning your life and your money go hand in hand!? Alaina Fingal is an accountant, certified financial coach, author, and founder of The Organized Money. She has made it her mission to help people plan a life they love! Alaina will help you identify the things that matter most to you! Learn how to leverage a “hybrid” approach to planning – using both digital and physical resources to get the most of your planning efforts. Take control of your finances and set yourself up for the life you want! **Alaina is giving CGS Podcast listeners the chance to join The Organized U at a discount! This special lasts through January 31, 2022. Here's a glance at this episode: [08:55] Learn the best tips for getting started with planning when you have no idea where to start. [27:26] How to make using a physical planner more consistent or opting to go digital for your planning needs, and the pros and cons of each. Leverage a “hybrid” approach to get the best of both worlds. [39:00] The importance of planning summed up in one sentence. Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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 Alaina & The Organized Money on YouTube and Instagram Join The Organized U using this link to get a 30-day free trial through 1/31/2022! Check out The Organized Money Download the CGS Money Moves Packet

Welcome to The City Girl Savings Podcast, a weekly discussion focused on the intersection of money and the city girl lifestyle! On the podcast I'll be sharing my experiences, advice and guidance on navigating life and money as a city-loving millennial trying to build wealth and enjoy life at the same time! Like most people, I didn’t learn about money and finance until I experienced it for myself. It’s not like they teach this stuff in school! You may or may not know this, but I've been running City Girl Savings since 2015.That's a LONG time...but before that, I was taking a completely different path with my money. After my financial (and personal) life took a 360, I realized that if someone like me... Who enjoys nice things... Who loves to travel... Who would go out to eat everyday if she could... Could turn my life around with budgeting, and still feel like I can enjoy myself in moderation, I could help other women do the same. So, I put all of my knowledge and experience into processes and systems...and here we are today! That's EXACTLY how City Girl Savings came to be. Here's a glance at this episode: [02:00] I didn’t start out as a savvy budget coach! I was terrible with money in my early adult years. [07:11] The driving force behind leaving Austin to pursue life in Los Angeles, and how that transition was made possible. [19:23] My financial rock bottom – the turning point in my financial life and what happened to finally help me get my act together. Rate, Review, & Follow on Apple Podcasts “I love Raya and City Girl Savings!” please consider rating and reviewing my show! 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 My Start-Up Story on the City Girl Savings blog Download the CGS Money Moves Packet Learn more about how I help my clients