The City Girl Savings Podcast

I'm a Virgo, so I thrive on routines and structure. I know that isn't the case for everyone, but I do know that routines and structure with money can help anyone in some shape or form. There's something to be said about financial organization and feeling in control of your money situation.  In this episode, I'm sharing 7 daily routines that set you up for success in your life and money. These routines don't have to be time-consuming, they shouldn't cause any stress, and they should leave you feeling empowered and in control once completed. Start slow and steady by implementing one routine and a time and watch the transformation that takes place!   Here's a glance at this episode: [01:35] Whether it's at the start of the workday or after coffee, take some time to look over your spending accounts. [04:07] Start getting comfortable looking at your accounts. You don't have to do anything but build that ease. [06:34] It took Raya 6 years to save for her Palm Springs home. Don't worry about how long it will take to reach your goals, just keep them top of mind to stay motivated. [10:26] Dedicate a few minutes each day to learning something new about personal finance. Read a book, check out a blog post, or follow financial influencers! [12:50] Take time at the end of each day to plan your next day. What's coming up? What do you need to tackle?   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: Request a complimentary call with Raya 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!

If I had to choose just one financial tool to improve my situation, hands down, it would be a budget. The course of my life changed with a budget nearly a decade and a half ago. Sure, I may have been forced into that situation, but regardless of how I got there, a budget turned everything around for me. Now, I've made a career helping women turn their own lives around with a budget. No matter how much or how little you make, a budget is truly a game-changer. In this episode, I'm sharing 5 ways budgeting is the key to living the life you've always dreamed of. Get ready to become a budget-lover, just like I became one so many years ago.   Here's a glance at this episode: [01:55] What had started as a necessity to budget has now become a career for Raya, as she coaches women to set and stick to budget plans. [04:04] An integral part of the budgeting process is making sure your spending is in line with your budget. Don't skip this step! [07:06] A budget helps you plan for both the expected and the unexpected. Handling money now becomes a stress-free lifestyle. [10:08] Budgeting is a way to sustain the life you currently have, so it can help you get to the life you actually want. [14:00] Not convinced a budget can help you create freedom? When you have control of your finances, you gain the freedom to say yes or no to everything.   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 1 – Big City Spender to City Girl Saver Listen to Episode 3 – Breaking Through the Stigma of Budgeting Request a complimentary call with Raya 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!

Did you know that 40 million U.S. adults suffer from anxiety disorders? That's about 19% of the population and whether you are included in that statistic or not, you've likely experienced some form of anxiety over the course of your life. I'd even go as far as to say, maybe it was driven by finances. In fact, 70% of Americans reported stress in their finances. Between inflation, rising costs, job instability and fears of the current state of the economy, it's all too easy to let finances stress you out. If you struggle with money anxiety, I want to help! In this episode, I'm sharing 5 steps to get rid of your anxiety around money and feel more at peace in your situation.   Here's a glance at this episode: [01:47] Got money fears? It's completely understandable. However, it's important to take control of your mindset, as it plays a big role in your peace. [04:46] Fears can be paralyzing, but that doesn't mean they are realistic. Raya walks through a few examples of determining if your fears are realistic or not.  [09:30] Focus on what you can control. This is a critical step to reducing your money anxiety. Raya shares how she reminds herself to stay focused on controllable things. [13:38] What can you work towards in the next 30 days? List out the game plan and steps you can take to achieve that thing. [16:28] Raya shares a few money affirmations you can start using today.   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: Get your CGS Personal Finance Portfolio now! Listen to Episode 80 – 8 Things Everyone Should be Saving For 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!

Here's the thing. We only have this one life here on earth. And since our time is so limited, it should be filled with things that bring us true happiness. Whether that's work, family, travel, or passion projects. Creating a life you love should be a pursuit we all strive for. That's why I'm so excited to welcome Catie Hogan to the show today. Catie is an entrepreneur, mom, speaker, comedy writer and she's made multiple career shifts. Catie and I are going to talk about how women can create a life they love and how to leverage money to help them in the process.   Here's a glance at this episode: [03:20] Catie's trigger was student loan debt. She found herself in a dark place thinking about how to pay off six-figures of student loans. [11:08] Catie saw a shift in how her parents' handled money. That had a big impact on Catie growing up.  [21:54] Investing in a 401k is a great starting point. Make this a priority if you can, because it is a way to get started. [30:49] As she's gotten older, Catie has found it easier to say no to things that don't align with her values, financial and otherwise. [38:29] Catie walks through the process of writing a parody play and how it ended up getting on Broadway.   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 Catie on Instagram Subscribe to Catie's Newsletter Cents of Humor Follow Catie on LinkedIn 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 been intentional with consistent gratitude? Meaning, every day you acknowledge the things you're grateful for, for an extended period of time. If you have been intentional with gratitude and appreciation, you probably have noticed the benefits.  The more grateful you are, the more you seem to have and the happier you seem to be. Not only that, when you appreciate what you currently have (instead of focusing on what you don't have), you open the door for more. If you struggle with appreciating what you currently have going for you, I want to help. In this episode, I'm sharing 7 ways to practice gratitude for what you currently have to allow you to attract abundance into your life. Just because you appreciate the money you have or the current things you have doesn't mean you can't work towards more. The point is to be grateful for where you are and what you have, so you're not constantly focused on what you don't have. This is key to attracting abundance. Keep working for your goals but appreciate the journey along the way!   Here's a glance at this episode: [02:23] Remember a time when you had less than what you have now. This is one of the easiest ways to be grateful for your current situation. [05:20] Every time you go to pay a bill or spend money on something that sustains your lifestyle, express how grateful you are to cover that expense.  [08:47] Feeling like your budget doesn't include the things you love? Take a closer look at how your money is allocated currently and work from there. [12:06] It may seem like an obvious tip to write down the things you're grateful for daily, but it really does help you grow your gratitude reserve. [15:35] There's an abundance of information and education out there to help you with money, you just have to seek it out.   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!

The one thing you need, more than anything else, to change your finances, or your life, for the better is the right mindset. Your mindset makes all the difference. How you think about your money determines how you act with your money. To become a person who builds wealth, you need to start thinking (and therefore, acting) like a wealth builder. Not sure what that looks like? In this episode, I'm walking you through some of the most impactful mindset shifts you can make to become a person who succeeds with building wealth. Get ready for a money mindset makeover that has you thinking like a real wealth builder! I saw a quote online that said, “a negative mindset can cost you more than any expense.” I had to sit and appreciate how true that quote was. When your mindset isn't up to par, you not only miss out on opportunities to change your life, but you rob yourself of any joy you could have for what is going right in your life.   Here's a glance at this episode: [02:38] If thoughts dictate your actions, what makes mindset so critical is the actions you take relative to the thoughts you're having. [06:33] Do you constantly think you never have enough money? Shift to the mindset of there are always opportunities to make more.  [11:29] How can you spend slightly less on discretionary things and take that difference and put it into an investment account? [17:46] Raya shares her first realization of the fear of success. It never occurred to her that this is a real fear that impacts how people think and act. [21:36] Raya shares some actionable tips people can implement instantly to start building more confidence with money.    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 85 – Mindset Matters: Abundance versus Scarcity Listen to Episode 11 – The Power of Visualization to Help You Reach Your Goals 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!

In my over-a-decade of experience with budgeting, for myself and helping others, I've come across a myriad of reasons, excuses, fears and inaccurate rationalizations for why people choose not to budget.  And it's doing more harm than good. There was a point in time when I chose not to budget, and it cost me a lot. Thankfully, I got my act together and now I help women do the same. We all need to be budgeting, and if you've convinced yourself otherwise, I'm here to set you straight! In this episode, I'm sharing 5 budgeting myths millennial women (or any woman really) needs to stop believing because these myths are delaying a life of happiness. One of the most common things people do with their finances is trying to keep it all in their head. If you think you can keep your budget top of mind, you're setting yourself up for failure. I share some solutions to this particular myth.   Here's a glance at this episode: [03:05] When you rely on a mental budget, you're leaving so much room for error. We can't remember or account for everything in our head. [06:42] Just because you never learned how to budget in the past doesn't mean that you can't learn or succeed with budgeting in the present.  [09:15] When it comes to creating your budget, there are certain numbers that you do need to know, but you don't have to be responsible for always calculating them. [13:40] A budget should include the things you love and/or saving for the things that truly matter to you. [16:53] You can't predict the future. Certain things will come up that we can't plan for. That means you need to believe it's okay to be fluid with your budget.    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 3 – Breaking Through the Stigma of Budgeting Let Raya create a budget plan for you! 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!

Long gone are the days where we put our financial wellbeing into someone else's hands. Not only do most financial advisors prefer working with individuals who already have wealth built, but sole responsibility for our financial situation lies within ourselves. Each of us must take ownership of our situation and work to make positive changes in it. This is even more important for women. Personal finance planning isn't always an easy topic to discuss, but it's a necessity. That's why I'm so excited to welcome Mabel Nunez of Girls on the Money to the show today. Mabel and I are discussing how women can start preparing for their financial future and build wealth through investing. Mabel also gives insight into how she started investing and how one class changed the overall trajectory of her life. If you've been holding off on investing, Mabel's insight will encourage you to finally dive in and get started. Your future self will thank you!   Here's a glance at this episode: [04:05] Mabel shares that no one ever talked to her about investing, so when she took a class to learn more, the trajectory of her life changed. [12:25] Emergencies don't announce that they're coming. Mabel shares the importance of having a savings account dedicated to emergencies. [18:00] Don't overthink getting started with investing. Mabel discusses hurdles that could stop someone from investing. [27:54] If you're a long-term investor, you can expect your money to grow and compound by 10% per year. There's no better return. [41:12] If you're buying quality company stock, your portfolio will bounce back. That means you'll want to be careful with how you react to dips.   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 Mabel on Instagram 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!

In this week's City Girl Savings podcast episode, and the final of our rewind series, we're rewinding to an episode recorded just last year – Financial Education versus Financial Experiences. I chose to rewind to this episode because I want you to know that the experiences you have with your money are significantly more powerful than any financial education you may have. And I'm speaking from experience. I have a B.S. degree in Finance, but my financial experiences have shaped what I do with my money now and how I leverage it to get ahead. In this episode, I share how my financial education and my financial experiences impacted my life…ultimately leading me to the conclusion that you don't need a formal education in finance to be good with money. A financial education is great, and I encourage you to seek it, but it's not a necessity to have a financially stable, financially free life. Enjoy this final episode of our rewind series.   Here's a glance at this episode: [02:31] Raya shares her early experiences with money as a child and her perspective on how things were covered back then. [04:57] A money belief that Raya absorbed early on was that if you go to work every day you will come home and have what you need.  [07:45] The money principles Raya learned before college went out the drain when she got to college and had access to credit cards. [11:25] Raya learned the importance of paying her bills on time but only because she almost faced eviction for failing to pay rent on time. [14:41] 9 years after starting City Girl Savings, most of what Raya learns is through financial experiences compared to financial 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: Listen to Episode 1 – Big City Spender to City Girl Saver 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!

In this week's City Girl Savings podcast episode, we're rewinding to another more seasoned episode, recorded in the second year of this podcast – Why You Need to Pay to Get Better with Money. I chose this episode to rewind to because there is still a collective doubt about the power of investing your own dollars to learn what it takes to better your financial situation. Have you considered working with a financial coach or therapist and talked yourself out of it? You're not alone! In this episode, I break down the value of investing money to improve with your money, along with the necessary mindset shift a person needs to make to not only willingly put up their money to improve in their financial situation, but to see an infinite return on that investment in the form of true results. If you know you need to get help in your situation but haven't been able to justify the cost, this episode will change your entire perspective.   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.   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: Get on the waitlist for the Money Management Mastery program! 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!

In this week's City Girl Savings podcast episode, we're rewinding to a more seasoned episode, recorded in the second year of this podcast – 9 Ways to Manifest More Money Into Your Life. I personally love this episode and chose to rewind to it because not everyone believes in the power of manifestation, or you just need some encouragement to manifest money into your own life. In the episode, I share 9 ways anyone can start manifesting more money into their lives. I also share my manifesting journey. What's not included is how I manifested my life goal of owning a second home in Palm Springs. If I were to re-record this episode, I'd have another firsthand example of how powerful manifesting can be.   Here's a glance at this episode: [02:15] When you start believing something to be true, your brain acts accordingly. This is the science behind manifestation. [04:20] One tip to help you manifest more money is to write yourself a million-dollar check and keep it some place where you can see it often.  [06:48] I hate to say it, but the more negative you think, the more negative things will happen. This is because you're constantly focused on the negative, so it becomes much more apparent. [10:00] Already have goals? Have you shared them? Putting your goals out into the world adds an extra layer of accountability, which can help you work harder to achieve them. [14:10] The more thought-aware you become, the easier it will be for you to notice thoughts that aren't in line with what you want to manifest.   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: 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 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!

In this week's City Girl Savings podcast episode, we're rewinding to an episode in the early stages of this podcast – How to Stop Holding Yourself Back with Money. I chose this episode to rewind to because it can serve as your true wake up call to take responsibility for your financial situation. I get real, honest and debatably harsh.  In the episode, I share 6 incredibly effective ways to help you break free from your own self-imposed financial chains. Not only that, I make sure that each of the solutions provided are things that can be implemented immediately. The power to change is in your hands, and I want you to take that power and level up your money situation. Enjoy!   Here's a glance at this episode: [02:20] Changing your mindset allows you to see opportunities instead of problems. This is critical for getting ahead with your money. [04:04] Now, I welcome being uncomfortable because it's a sign that I'm getting to another level and growing. [07:49] If you don't have any idea where you want to be in life, you may find yourself unhappy. Take the time you need to get clear on what you want out of life. [10:05] Start reframing your thoughts! Instead of thinking “I'm unhappy with the money I make”, think “I'm grateful to have money coming in.”    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: Check out the Life Coach School Podcast for mindset help 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!

In this week's City Girl Savings Podcast episode, the first of our rewind series, we're rewinding to one of my first episodes of the podcast – How I Curbed My Desire to Spend. I chose this episode to rewind to because it lays out the 2 specific phases of my life where I intentionally decided to control my spending. First, when I had no choice and second, when I wanted to make something of the additional income I started to have.  This episode also breaks down the habits that helped me curb my desire to spend for the long haul. These weren't quick fixes, but true behavioral changes that impacted my impulse to shop and accumulate material things. I hope you can take something from my experiences and apply it to your own situation – especially if you struggle with overspending. Enjoy this first episode of our rewind series.   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. [04:31] Although I was forced to get my spending in order, it helped propel me into the mindset of wanting to avoid overspending so that I could get ahead in life. [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: 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: Let Raya create a custom budget plan for you! Get started here. Download the CGS Money Moves Packet Free 5 Day Money Mindset and Manifestation Challenge 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!

When I first start working with my money coaching clients, I set the expectation that the first month of our budgeting and tracking together is more about mindfulness than control. I'm not focused on how well they can control their spending right off the bat. I'm more focused on how mindful and intentional they are. Are they aware of what they're doing with their money, or is it mindless behavior? Before any positive change can happen, awareness is the first step. You can't fix a problem you don't know exists. In this episode, I'm sharing 7 ways to be more mindful with your money. Build that awareness of your money habits, patterns and decisions. Then, make changes where you see fit.   Here's a glance at this episode: [02:23] If your total monthly income doesn't cover your monthly expenses and spending, you need to find additional means of income. [05:31] It's not enough to just create your budget. We need to close the loop by tracking your spending to make sure you're sticking to the budget. [09:08] We only have so many resources when it comes to our income. We can only dedicate so much to goals. Focusing on 1-2 goals at a time is a great starting point. [14:33] Some examples of values people can align their spending to include family, friendships, time freedom, and working for yourself. [18:24] Consume better things for your mind. Mindfulness isn't just effective in money – it is extremely effective in our overall lives as well.   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: Let Raya create a custom budget plan for you! Get started here. Listen to CGS Podcast Episode 151 – Money and Sustainable Living with Kara Perez Raya Recommends: The Power of Now by Eckhart Tolle 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!

Do you constantly find yourself saying “I'm only young once” or “I'll figure out how to make more money later” or any other combination of short-term, in the moment justifications for bad spending behavior? While the last thing I'd want to do is kill your vibe, the money coach in me needs you to start thinking long-term with money! Instead of letting YOLO (“you only live once”) be your driving mantra behind spending, learn to accommodate your future self as well. It won't happen overnight, but you can train your brain to think long-term with money. In this episode, I'm sharing 5 ways you can start that training process today.   Here's a glance at this episode: [02:06] If you want to start thinking long-term with money, you have to visualize your life in the future. What do you want your life to look like? [04:49] If mental health is impacting your finances, you're not alone. There are solutions. Raya recommends an episode with a client who shares how mental health impacts her finances. [09:08] Give yourself some grace when you first start out with delayed gratification, intentionality, and mindful spending.  [11:51] Raya shares an example of how a past-time with her mom of visiting discount stores caused unplanned spending. [15:30] Get into the habit of always going back to your why. It doesn't have to be a defense mechanism, but can serve as a motivator.   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 CGS Podcast Episode 38 – Money and Mental Health Listen to CGS Podcast Episode 37 – How Practicing Delayed Gratification Sets You Up for Financial Success 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!

When it comes to your money, certain habits and behaviors can negatively impact your bottom line. In financial terms, your “bottom line” essentially means your profit. Whether it's what's left after you've allocated your income to expenses and spending in the month (via your budget). Or, if you're calculating your net worth by deducting your total debts from your total assets. Either way, we want our “bottom line” number to be as high as possible. The more profit, the more we can grow our wealth. Unfortunately, certain toxic money habits can reduce our bottom line number. It can happen in small, sneaky ways, or it can happen in big, drastic ways. Regardless, it's important to know what those bad habits are, especially since they can have the opposite effect of what we want. In this episode, I'm sharing 5 toxic money habits to break as soon as you possibly can.   Here's a glance at this episode: [02:23] You can spend money on non-necessities. The goal is to make sure spending is moderated by factoring those things into your budget. [05:18] Are you constantly pulling money out of your savings account? It's very likely you have too much going into savings in the first place. [08:53] Depending on how much debt you have, it can take a long time to pay it off. That's okay. Slow and steady can be effective.  [12:45] Comparing your life or trying to live a life similar to someone else's will only lead to unhappiness and feeling less than. [15:40] If you tend to spend money before you get it, this toxic money habit could be causing you issues over the long haul.   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 CGS Podcast Episode 70 – My Budget Non-Negotiables Download the free Debt Repayment Checklist 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!

When it comes to your finances, organization is everything. In fact, organization is everything in EVERY area of your life! An organized life helps you feel confident, in control and gives you the necessary clarity of what should be happening next. On the flip side, a disorganized life leaves you feeling stressed, anxious and surrounded by chaos. When it comes to your money, chaos is not the way to go! That's why I'm so excited to welcome back to the show, planning expert Alaina Fingal of The Organized Money. Alaina is joining me today to help you properly plan, prepare and organize your finances!   Here's a glance at this episode: [03:22] Every time Alaina would create a budget, she would end up blowing that budget. She identified a lack of planning as the real culprit. [12:51] Write down what's happening in your life over the course of 2 weeks. This will give you a good idea of how you truly are spending your time. [22:22] Alaina keeps her old budget data. She refers to it when preparing for expenses that are coming up again. Things like back to school and the holidays. [34:54] Adapt your planning routine to where you currently are in life. It's okay if your planning system changes – we have different seasons of life! [43:26] Alaina breaks down her daily, weekly, monthly and annual planning process and how much time it takes.   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: Subscribe to Alaina's YouTube Channel Follow Alaina on Instagram 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!

If you're using money to the detriment of your situation, it's doing more harm than good…no matter how exciting it feels in the moment. While I truly believe there's an infinite supply of money, you have to put yourself in a position for money to make its way to you. It starts with making your current income or money work better for you. When you do right by your money, your money does right by you. Even if you're unhappy with what you're currently making, you can still do the right things with your money. In this episode, I'm sharing 6 ways to make your money work better for you. Start implementing these steps as soon as you can, and you'll see the ripple effect in your financial situation!   Here's a glance at this episode: [02:03] Practice gratitude for your current income. It's an easy way to make your money work better for you and you can start immediately. [02:34] Follow Raya through a mini guided meditation to help you practice gratitude for your money on a daily basis. [05:50] Whenever you get paid, a portion of it should be saved immediately. “Pay yourself first” is a tried-and-true financial principle.  [09:11] Not sure if you can save for retirement outside of a 401k plan? Raya shares a few options people can leverage to save for retirement. [14:20] If you believe more money will make its way to you, it definitely will. However, you need to ensure you have a mindset of abundance, not scarcity. Raya shares some examples of how to do that.   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 CGS Podcast Episode #102 – 6 Ways Gratitude Leads to a Richer Life Raya Recommends: The Richest Man in Babylon Listen to CGS Podcast Episode #74 – My Favorite Affirmations for Money, Happiness and More 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!

Can I share a “fun fact” about myself with you? I've been setting goals since I was a child. Obviously, at the time, I didn't really know they were goals. They were just things I wanted, that I would write or speak…I'd even share with others. I can safely say that setting goals from an early age until now has contributed IMMENSELY to all that I've accomplished today. Sure, I haven't achieved everything I set out too…but I either keep working towards those things or I align my goals to where I'm at now. My point is that to be successful in life, you should be setting and working towards your goals. Not sure where to start? In this episode, I'm sharing some of my best tips for setting goals and staying on track to achieving them!   Here's a glance at this episode: [01:40] Raya recalls her early experiences with setting and achieving goals, by sharing a story of getting started with acting. [04:01] When setting goals, following the SMART criteria is a must. Raya breaks down the SMART criteria to follow with your goals. [06:50] Don't beat yourself up for not reaching your goals when you want to. Life happens, so give yourself grace.  [09:13] Raya is reminded of her annual goals 3 different times throughout the day. She shares how she keeps her goals front and center. [13:07] Speaking your goals out loud makes them real. Don't be afraid to share your goals with others. It will help you stay accountable.   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 CGS Podcast Episode #110 – 5 Ways a Type A Personality Stays Organized 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 you probably know about me by now is that I'm always trying to improve. I'm always working towards new goals, new levels and being better than I was yesterday. Certain areas of my life are much easier to work on than others, but overall, I'm constantly striving to be the next best version of myself. To do that, it requires building habits and routines that support my growth and development. It also requires letting go of habits and routines that no longer serve me. I spend a lot of time at the end of the year reflecting on things that work and don't work in my life, money and business. In this episode, I'm sharing the habits I plan to implement as quickly as possible to help me step into the next best version of me.   Here's a glance at this episode: [02:00] Raya vows to be proactive when expanding her knowledge. She plans on reading physical books, listening to audiobooks and taking online classes. [05:50] Raya shares what she recently learned from the book Think and Grow Rich – that having knowledge is irrelevant if that knowledge is never used. [08:41] Tracking macros in My Fitness Pal is a high priority for Raya in 2025, even though it sounds intimidating.  [12:53] Raya wants to initiate virtual coffee chats with guests from the City Girl Savings podcast, this can help expand her network. [16:22] Let's vow to do more of what makes us happy. As cheesy as it sounds, doing more of what makes you happy is a lifelong pursuit.   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: Think and Grow Rich by Napoleon Hill 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!

There is nothing wrong with wanting to be a wealthy individual. I REPEAT: There is nothing wrong with wanting to be a wealthy individual. The more wealth we have, the more good we can do. I saw a post on social media that said the world needs more women billionaires – women like MacKenzie Scott, Melinda Gates and Taylor Swift – women using their financial resources for good. I couldn't agree more. In 2025, my focus is definitely on building my wealth, and hopefully yours is too!  But what is built must also be protected. That's why I'm so excited to talk with former financial advisor, now Certified Financial Planner Brittney Castro on the show today. Brittney and I are going to talk about how women can build and protect their wealth for the long haul.   Here's a glance at this episode: [02:52] Brittney breaks down her journey in the financial services industry, including the experience of selling her financial planning business. [11:51] Do you struggle with knowing your values? Brittney acknowledges that it can be a struggle to know your next steps when you're unsure. [17:10] Not sure if you should save or pay off debt? Brittney shares her advice for deciding whether to save or pay off your debt or do both! [32:49] Brittney walks through different investment vehicles, including life insurance and leveraging it for building wealth. [40:44] If you leverage your life insurance policy properly, you can access tax-free dollars and use how you'd like.   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 Brittney on Instagram 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!

If I think back to 10 years ago today, I was literally days away from launching City Girl Savings! I had come up with the idea for City Girl Savings near the end of 2013 and started taking action all through 2014. I hired a company to design a website with the capability of fostering a community, technology to allow me to create customer budget plans through the website and hold a plethora of blog articles. My mission at the time was to help show women they could live a life of fashion, travel and self-care while reaching money milestones through budgeting. That website was a site for sore eyes, but on January 1st, 2015, City Girl Savings came to life. As we approach our 10-year anniversary, I want to share what 10 years in business has looked like for City Girl Savings. In this episode, I'm reflecting on the growth, the changes, and the lessons learned after 10 years in business.   Here's a glance at this episode: [02:06] City Girl Savings was not an overnight success. The first business sale came 8 months after launching. [04:44] 2023 was the first year City Girl Savings saw a large reduction in revenue. Raya shares more about business finances over the years. [08:29] Raya has learned that City Girl Savings isn't for everyone. It was hard not to take this personal in the beginning. [12:46] Another struggle Raya had in the early stages of the company was understanding that no one is going to love the business as much as her. It's her baby, no one else's. [18:29] Comparison is something Raya is good about not doing. While she's human and has her moments, she doesn't stay in those moments of comparison.   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 CGS Podcast Episode 77 – Behind the Scenes of the CGS Team Get 20% off Custom Budget Plans. Use code 2025! Get 20% off 1-on-1 money coaching with Raya! Use code 2025. Request a complimentary call with Raya to discuss your finances! 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 older I get, the more I realize how important money management is. Having money, keeping money, and growing money – things that we really aren't taught early in life, but things that make a huge difference in the quality of our lives. I was fortunate enough to be in a tough financial situation in my early 20s that opened my eyes to the importance of doing the right things with money. Now, I strive to help women see the value of budgeting and money management and learn what it takes to succeed with it. If you've been wanting to prioritize your money, but haven't gotten around to it yet, this episode is for you. I'm sharing 5 empowering reasons to prioritize your money next year and keep it a priority indefinitely.   Here's a glance at this episode: [01:43] Raya breaks down inflation, how it's calculated and how it has changed over time. [04:00] Inflation and cost of living increases are inevitable. Prioritizing your money can help you stay ahead of the curve. [07:18] Raya doesn't believe Social Security benefits will ever go away, but relying on them to get you through the future is not a smart move. [08:02] As a way to face fear and focus on solutions, Raya and her fiancé run through their worst-case scenarios and things they can do to counter them. [13:09] Prioritizing your money now means you won't have to stress and worry about money as much in the future. Invest in real estate and the stock market as early as 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: Listen to CGS Podcast Episode 1 – Big City Spender to City Girl Saver Request a complimentary call with Raya to discuss your finances! 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 can't believe I'm getting ready to share my 2025 goals with you on the podcast! Not only is time flying, but I think back to when I shared my goals on the podcast for the 2023 year. I'm so grateful for another year of the City Girl Savings Podcast, but I'm also grateful to have learned long ago that time keeps going, so every opportunity I get to make the most of it, I take full advantage.  I've been setting goals for decades and I have no doubt they've helped me get to where I am today, whether I actually reached the goals I set or not. Alright, since we're getting very close to the New Year, the time for me to reflect on my progress and set goals for the next year has come! In this episode, I'm sharing my personal and business goals for 2025. I'm also giving you an update on my 2024 goals!   Here's a glance at this episode: [03:04] Raya kicks off by sharing her progress towards the goals she set in 2024 for both personal and business. [05:10] One goal for Raya in 2024 was to start therapy. She achieved this goal but may have to make some adjustments in 2025, thanks to insurance. [09:54] Trending back to normal revenue numbers for the business in 2024, but not quite reaching the goal of increasing revenue by 50%. [13:53] Raya was not expecting to reach a goal of owning a second home in Palm Springs. In 2025, Raya wants to see a short-term rental profit. [18:00] Similar to last year, Raya wants to focus on increasing City Girl Savings Newsletter subscribers in 2025.   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 CGS Podcast Episode 134 – 2024 Mid-Year Personal and Business Goal Check-In Subscribe to the City Girl Savings Newsletter! Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group

Be honest with me. Have you ever considered working with a money coach but immediately thought: “why should I spend money to have someone help me with money”? As a money coach who's nearly a decade in, I've heard that sentiment more than you'd imagine…and I'm sure people have thought it without saying it out loud! It's a valid thought but requires deeper analysis. If you needed help with the electrical wiring in your house and didn't know what to do, you wouldn't think twice about spending money on getting the help you need. Same goes with other services, same goes with other areas of your life. If you need help with your money and haven't been able to figure it out on your own, there's nothing wrong with paying to get the help you need. In this episode, I'm sharing 6 ways a money coach can turn your life around. Let this episode serve as your sign to seek the help you need!   Here's a glance at this episode: [01:53] Raya shares her specialty when it comes to money coaching. She helps clients create and stick to realistic budget and spending plans. [04:03] When you don't know what's happening in your money situation, you're likely not doing the best things with your money. That's where a money coach can make a difference. [07:23] Willpower and self-accountability have limits. A money coach can help you stay strong and accountable with your financial decisions. [12:00] A money coach can motivate and encourage you to reach your goals faster. [15:15] It's hard to deal with money struggles on your own. Having a money coach to talk things through can help relieve some stress.   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: Learn about Raya's Financial Focus Coaching Program Listen to CGS Podcast Episode 25 – How Financial Coaching Changed Her Life with Vanessa Listen to CGS Podcast Episode 81 – Manifesting Money, Trips and More with Tymika Listen to CGS Podcast Episode 129 – Budgeting Multiple Six Figures with Rachel Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

I don't think anyone goes into a marriage thinking it could eventually end. However, life happens. Sometimes, things don't work out as we hope or plan they will and we have to course correct. As someone who's newly engaged, I want to make sure I think about all aspects of life and finances once our marriage begins. I've also worked with plenty of clients who have been divorced or have gone through a divorce during our time together. It's hard. That's why I'm so excited to chat with attorney Ashley Nicole Green on this week's episode of the City Girl Savings podcast. Ashley and I are going to discuss how women can navigate life and finances before marriage, after a divorce and everything in between.   Here's a glance at this episode: [05:00] Ashley shares that when she and her husband were newly engaged, they sat down and had a candid conversation about each of their financial situations. [13:30] Ashley explains how costly divorce can be, just because of how much time goes into it. This is where having a prenup can save both parties a lot of money. [20:30] Avoiding going to court for child support and custody arrangements is best. Ashley shares why and when it is necessary to go to court. [34:50] Ashley shares her advice for women who think they may need a divorce but don't have a prenuptial agreement in place. [42:50] When navigating divorce with children, a great motto to uphold is “children at the center of every decision.”   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 Ashley on Instagram Learn more about Ashley's Attorney Services 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 don't know about you, but the end of the year always puts me in a state of gratitude and reflection.  Gratitude for all that has happened in the year and reflection on what has and hasn't worked during the year. Considering that Thanksgiving is only a few days away (at least if you're listening to this live), I want to take some time to share the things I'm most grateful for in my life right now. The beauty of gratitude is that there is truly so much to be grateful for. To be alive is a gift. In this episode, I'm sharing 7 things I'm grateful for in my life. I encourage you to make your own list of things you're grateful for as the holidays approach!   Here's a glance at this episode: [02:18] Raya kicks off her list of things she's grateful for with her health. She shares why gratitude for her health is so important. [04:25] While Raya's parents are deceased, she shares why she's grateful for the family she does still have here with her. [07:20] Sometimes, Raya's coaching clients end up turning into friends, and this is something Raya is always grateful for. [10:19] Raya ends her gratitude list with appreciation for her dogs, Milo and Toby.   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 CGS Podcast Episode 102 – 6 Ways Gratitude Makes for a Richer Life 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!

If you're listening to this episode when it's released, we're about six weeks away from the new year. I love everything about this time – wrapping up a year, reflecting on how things have gone, and setting goals for another year. I think now is the perfect time to get things in order. Don't wait for a new year to start, start now! If better money management is on your new year's resolution list, what better time than now to begin?  In this episode, I'm sharing some money systems to set up before the year ends. Make it a point to implement these money systems in preparation for a new year, so this next year can be your best one yet!   Here's a glance at this episode: [02:15] It should come as no surprise that Raya recommends everyone set up a budgeting system – no matter what a person's situation looks like. [06:09] Raya breaks down the important aspects of your budgeting system. This includes setting up your budget, tracking your spending and closing out your budget. [12:49] To start your debt pay off system, Raya walks through how to organize your debt to help you take action. [18:25] Retirement is an investing system anyone can work towards. Raya shares some things to keep in mind when setting up your retirement contributions.   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: Let Raya create your next budget plan! 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!

Great things happen on the other side of our comfort zones. I've talked about this before on the podcast and I believe it wholeheartedly. Over the course of my life, I've constantly pushed my own boundaries and pushed past my own comfort zone. Doing so has helped me reach new levels in life, ingrain resiliency into my character, and have a deep level of self-trust. I consider myself a capable person who can accomplish what I set out to do. That's not to say things always go as planned or even work out. They don't. But, every time I've gone outside my comfort zone, new levels await. In this episode, I'm sharing 5 times I pushed past my comfort zone and reached new heights in my life.   Here's a glance at this episode: [02:05] Raya breaks down her mindset when she decided to go full-time with City Girl Savings and how that helped her reach a new level. [05:11] If you never take action or get uncomfortable, you don't know what amazing things are on the other side of those decisions. [12:18] Raya gives insight into her past relationship style. She breaks down how she finally let go and gave into her current relationship. [16:43] Hindsight is 20/20. Raya shares how moving to LA ended up costing her more than she ever thought it would…even though she has no regrets.   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 CGS Podcast Episode 88 – How to Get Comfortable with Being Uncomfortable 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!

Overconsumption, consumerism, and materialism – all things our society tends to put on a pedestal. Not only does this cause people to overextend themselves and live beyond their means, but it doesn't usually translate into a truly happy life. That's why I'm so excited to welcome Kara Perez back on the show. Kara's first book “Green Money” comes out in a few weeks, and today she's here to chat with me about all things money and sustainable living. If you're looking to live a happier life on less, you don't want to miss this conversation!   Here's a glance at this episode: [04:55] Kara shares her experiences with moving and keeping it budget-friendly. Kara experienced moving within a state and out of state. [12:45] 70% of the American economy is consumer spending. Kara breaks down an easy way to understand U.S. economics. [23:00] Kara encourages listeners to reframe their mindset and spending habits to help people learn to consume less. [32:32] Change needs to happen at the individual level before it can happen at the societal level. Don't think your efforts are in vain. [39:27] Want to start being more sustainable? Kara shares her tips for getting started with sustainable living.   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: Get your copy of Green Money Follow Kara on Instagram Follow Kara on TikTok 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!

If you're anything like old Raya, the holidays can put a hurting on your budget. Between Christmas gifts, personal gifts, stocking stuffers and sales galore, it's easy to find yourself going into debt during the holidays. Trust me…I was there. Black Friday was my time to buy gifts…for myself! I would buy other people gifts too, but not going to lie – I shopped quite a bit for myself. I want you to learn from my mistakes! In this episode, I'm sharing 6 reasons not to go into debt during the holidays. It can be exhilarating to get caught up in the shopping swirl, but if it's not under control, it'll add up quickly.   Here's a glance at this episode: [02:12] Raya shares how she would use the holidays to spend money on herself and it ended up costing her a lot of money. [04:55] Don't wait until the New Year to keep your spending in check. Starting before the New Year helps you go into another year already on track. [08:40] If your kids see you going into debt for holiday spending, what message are you sending them? [11:13] The people who care about you don't want you to be financially worse-off just to buy gifts for them.   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: 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!

If you're new to the City Girl Savings community, then I need you to know that while I may be a finance coach and the founder of City Girl Savings, I was an avid spender before City Girl Savings came to be. I put myself in situations where shifting from a spending mindset to a savings mindset was a necessity. That means I know a thing or two about being an overspender. I also know a thing or two about being a saver. So, when it comes to shifting from a spending mindset to a savings mindset, my guidance speaks volumes, because I've been there. In this episode, I'm sharing how to make the shift from spender to saver. If you struggle with spending, you don't want to miss this episode.   Here's a glance at this episode: [02:10] Want to become a saver? Don't wait until the worst-case scenario to happen before making the change. [05:13] Over time, it will get easier to say “no” to things that don't help you get towards your goals. Always remember your why. [08:34] A trend with Raya's clients is them not wanting to touch their savings. It's okay to use savings when things come up – that's what it's there for! [11:58] Spending money on experiences is always worth it for Raya, after security is taken care of. [15:10] Let growing bank account balances fuel you. Eventually other financial milestones will fuel you to keep going.   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 CGS Podcast #1 – Big City Spender to City Girl Saver Listen to CGS Podcast #11 – The Power of Visualization to Reach Your Goals 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!

Fall is my favorite season! The weather is cooling down, pumpkin spice lattes are flowing, and the holidays are around the corner! There are so many wonderful things that come with the fall season, so it's only right that our budgets are adjusted accordingly. In this episode, I'm sharing 5 budget adjustments to make for the fall season. Since we know that fall and winter seasons come around the same time every year, establishing a process and routine to prepare your budget ahead of time can keep you on top of your financial goals!   Here's a glance at this episode: [01:35] Don't let the fall vibes cause you to overspend! Creating a budget specifically for the fall season can help you stay on track with financial goals. [03:40] Raya recommends adjusting your budget to send money to a “Holiday Spending” category to help with seasonal shopping. [08:00] The holidays can be a great time to pick up things you've been needing. Be mindful of picking up things that are on sale. [10:45] Consider reducing your current budget categories to help allocate more money to holiday-specific spending.   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 CGS Podcast #45 – How to Prep Your Budget for the Holidays 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've been a finance coach since 2016 and since then, I've seen a huge increase in the number of financial coaches offering services. This is a great thing! It means more conversations around financial literacy are showing people that there is outside help for your money, budget and overall financial situation. Financial advisors help you keep and grow your wealth, but financial coaches help you lay the foundation to start building wealth. That's why I'm so excited to talk with another financial coach today – Nicole Stanley from Arise Financial Coaching. Nicole and I are going to discuss the rise of financial coaching, what benefits come from this type of coaching, and so much more!   Here's a glance at this episode: [05:46] Nicole started helping friends and family manage their budgets and retirement plans before starting her coaching company. [14:56] Nicole can see what a joy it is to spend on experiences now, when in the past she was very rigid with indulgences. [22:48] Nicole and Raya believe that people need to commit to doing the work when seeking out financial coaching assistance. [34:00] People aren't always used to paying up front for services, but financial coaches can help bridge that knowledge gap. [41:14] Nicole breaks down toxic frugality and how people can identify their values and spend accordingly.   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 Nicole on Instagram Check out Nicole's Website 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 pride myself on is my ability to manage my time and get things done. I've always been the type of person who does what she says she's going to do, and I keep my word to myself. This has been extremely helpful in my career, but especially when working for myself. Over time, I've identified the things that have had the biggest impact on my time management success. In this episode, I'm sharing 6 habits and routines that play the biggest role in helping me manage my time. If you struggle with time management, I hope this episode sheds some light on what works for me and how!   Here's a glance at this episode: [02:02] By 5:45am, Raya is up and getting ready to start her workout. Getting that done early in the day makes a huge difference. [05:25] Raya only cooks 1x per week currently but shares that she makes enough to cover a handful of meals for the week. [09:09] Pulse checking her calendar for the day early in the morning helps set the tone for Raya's morning routine. [13:25] Raya tries to ensure all meetings and appointments are set at the same time every week or every other week. [16:40] Keeping 1-2 days per week open for fluidity and flexibility can make a huge difference in your wellbeing…it does for Raya!   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 CGS Podcast #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!

Financial Independence, Retire Early (also known as FIRE) is a movement devoted to extreme saving and investing in the present so that a person can retire much earlier than the traditional retirement age of 65. The Fire movement prioritizes saving and investing 50 to 70% of a person's income, if not more, to ensure early retirement is possible. In this episode, I'm breaking down the Fire movement in detail and sharing why it doesn't work for me or my dream life. My goal is to give you more context on the movement, along with my rationale for taking a softer approach in the present, even if it's at the expense of an early retirement.   Here's a glance at this episode: [01:45] Not sure what the FIRE movement is? Raya breaks down the FIRE movement and the commitment needed to follow it. [04:38] Raya's gives an example of how to identify your FIRE number by running through a scenario where a person's expenses are $5000/month. [06:34] There are a few FIRE variations a person can follow, and Raya walks through each of them. [14:00] Raya shares how people can invest – through a retirement plan and through a general investment account. [16:22] Because of Raya's personal and business expenses, Raya doesn't feel the FIRE movement would work for her.   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 CGS Podcast #107 – Adding Investing to Your Money Goals with Marc Russell  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!

Is it just me, or does it feel like the older we get, the less time we seem to have? Like the time we do have just flies by in the blink of an eye. I don't even have kids yet, but I can imagine that time goes even faster when little ones are involved! While we all get 24 hours in a day, it may not feel like time is evenly distributed. If you struggle with time management or feeling productive with the time you do have, I want to help! In this episode, I'm sharing 5 things you can do to give yourself more time back in the day. These hacks can help you feel like you have more time for yourself!   Here's a glance at this episode: [01:44] While Raya's personality helps her manage her time effectively, it can also cause her to get overwhelmed when things don't go according to plan. She's working on it! [03:55] Leverage your personality preferences to make the most of routines. Are you a morning or a night person? Stick with what works! [06:34] Reducing the amount of time you look at screens can help you get a lot more time back into your day. [09:54] Raya leverages the start of her day to get a lot of her goals and tasks done. This allows the rest of her day to be focused on work and/or relaxing. [13:55] Want to get active but don't have time? Consider purchasing a standing desk and walking pad.   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 CGS Podcast #110 – 5 Ways a Type A Personality Stays Organized Listen to CGS Podcast #125 – Motherhood and Money with Sahirenys Pierce Listen to CGS Podcast #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!

If you know me, then you know I love to travel. Long ago, when I was forced to identify my life's priorities, I came to the realization that travel and new experiences would be something I always plan and budget for. It would be something I would happily spend my money on (with a proper budget, of course) but enjoy with no regrets. Since that realization, I've been to some amazing places, including 15 different countries. And I've seen almost all of the United States. I only have 14 more states to hit! In this episode, I'm sharing some of my most memorable destination experiences and some places that are very high on my travel bucket list!   Here's a glance at this episode: [01:53] Travel may not resonate with you like it does with Raya, however Raya encourages listeners to identify the things they love and would happily spend money on. [04:20] Raya has been on planes regularly since she was an infant. She breaks down her earliest travel experiences. [07:13] Raya's first international trip happened in 2012. It was a Mediterranean cruise that left out of Venice, Italy. [12:15] Of all the beaches Raya has been to, she shares that The Bahamas are the best (in her opinion). [16:50] Raya shares the places that are high on her travel bucket list. Places like Europe, French Polynesia, and knocking out the remaining U.S. states.   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 CGS Podcast Episode 12 – An Introduction to Travel-Hacking Grab your copy of Raya's Italy Itinerary Listen to CGS Podcast #30 – Vacation Planning on a Budget Listen to CGS Podcast #39 – How to Stay in Budget on Vacation 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!

There is absolutely a way to be stylish on a budget. Raya in her 20s would've said “you're wrong”. My past self didn't care about a budget when trying to be fashionable. But I should have. And while there is an art and a science to being fashionable on a budget, it's 100% possible. In fact, LA-based stylist Emily Burnette is here to show us how! In this episode, Emily and I are talking all things affordable fashion and how anyone can build a dream wardrobe on a budget. If you want to take your closet to the next level (like I do), you don't want to miss this conversation!   Here's a glance at this episode: [02:39] Emily breaks down her journey from working retail in NYC to becoming a stylist located in Los Angeles. [07:44] After having a “divine moment”, Emily shares her thought process to becoming a full-time business owner. [12:25] Struggling with your closet? Emily recommends doing a “closet edit” to help you take the first step to revamping your wardrobe. [26:40] Emily helps listeners get to the root of “why” people may want to own a designer piece and how that could impact other areas of life. [36:20] Toss it, Keep it, and Re-work it. These are the categories Emily helps clients work through when creating an updated wardrobe.   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: Book a complimentary Style Consultation with Emily (get 20% off services by mentioning CGS) Follow Emily on Instagram Check out Emily's Website 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've been budgeting and managing my money for a long time. I've learned so much about myself along the way, and finally getting into a rhythm with my money and budget has put me in the best financial place I've ever been in. It's hard to imagine anyone's confidence not growing after that! In this episode, I'm sharing how managing my money has boosted my confidence and allows me to take on opportunities I may not have taken. I'm so proud of how far I've come, and while there's still more to go, I'm fully confident in my abilities to get there.   Here's a glance at this episode: [01:40] There was a point in time where Raya didn't have confidence being in certain rooms. Managing her money has changed that. [04:34] Raya has always been comfortable with risks. She shares an early experience of taking on a loan when she couldn't afford the cost outright. [08:59] One reason it took Raya so long to take CGS full-time was a fear of not making enough money on her own. Her confidence has since changed. [12:45] 2023 was a year that resulted in a big income drop for Raya. Her ability to manage money gave her confidence to power through. [15:50] Raya has always had a fear of “things going wrong” even when it seems unlikely. She shares how she worked through it.   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: Check out CGS Podcast Episode 119 – How I Grew My Business While Working in Corporate Save your spot in the upcoming How to Master Your Money and Budget Masterclass! 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!

In simple terms, fear is the response to perceived physical or emotional danger. Fear is your brain's way of recognizing a threat and prompting you to protect yourself. If we were in ancient times, our fear response would be necessary to keep us safe. Nowadays, not so much. We're not facing imminent danger like people were back then. Sure, there are other dangers that are present in our current times, and fear is absolutely appropriate in those situations. However, there are other situations where fear isn't warranted. We just have to train our brains to not be fearful of those situations. In this episode, I'm sharing 6 money fears hurting your success. My goal is to help you work through these fears and see what amazing things come out on the other side.   Here's a glance at this episode: [02:41] Raya gives an example from her past where her fear response happened, but the situation truly didn't call for it. [06:35] Investing is one of the best ways to build long-term wealth. We have to take ownership of learning what to do when it comes to investing. [11:31] If you're not putting your cash in an account that's generating interest, you're losing money due to inflation. [17:42] Hoarding money can be the result of a fear of something happening. This could keep you from making your money work best for you. [22:14] The fear of spending money and not getting a tangible return in place can be extremely detrimental to your growth, in money and life.   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: Check out CGS Podcast Episode 107 – Adding Investing to Your Money Goals Save your spot in the upcoming How to Master Your Money and Budget Masterclass! Check out CGS Podcast Episode 10 – Conquering the Fear of Failure and Redefining Success 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!

Money runs our lives. I don't mean that in a bad way, but in a matter-of-fact way. We need money to survive. We need money to enjoy our lives. Everything has a cost. It is what it is! Since we can't escape the capitalist society we live in, it's important we put ourselves in a position to master our money. This starts with some important money principles everyone should be following. In this episode, I'm breaking down 5 money principles that should be a guiding light in your financial situation. Take your time implementing these principles, with the goal of following all 5 of them.   Here's a glance at this episode: [02:08] Want to expand your knowledge of basic money principles? Raya recommends reading The Richest Man in Babylon. [04:55] The goal of saving money is to truly build up a nest egg, or emergency fund, in case something happens or goes wrong. [08:33] Credit isn't always a bad thing. Raya shares an example of how leveraging credit helped her situation. [12:56] “Good things come to those who work.” Raya shares why working hard is a rule of thumb for anyone looking to be successful. [16:00] Do you think in terms of lack or abundance? Raya gives some examples of what it's like to think in lack.   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: Grab a copy of The Richest Man in Babylon Check out CGS Podcast Episode 121 – How I Paid Off My Dream Car Save your spot in the upcoming How to Master Your Money and Budget Masterclass! Check out CGS Podcast Episode 85 – Abundance versus Scarcity 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!

Credit, when managed the right way, can help anyone take control of their money. Leveraging credit can give you access to cash, save you money, and help you purchase things you otherwise wouldn't be able to have. That's not to say that carrying balances and accumulating debt that you can't pay back is a wise move, because it's not! However, there's a difference between credit and debt. That's why I'm so excited to talk with Christina Roman from Experian about how people can master their money with credit. If you view credit and debt as one in the same, I hope you finish this episode feeling empowered to have the system work with you, not against you!   Here's a glance at this episode: [04:59] “Credit is a financial tool. Debt is a financial problem.” Christina breaks down the difference between credit and debt. [12:15] Curious why your credit score varies wherever you look at it? Christina shares why that happens and why it's normal.  [20:20] Disputing an incorrect item on your credit report is easier than you think. Learn about the ways you can initiate the dispute process. [30:13] Making small charges on your credit card and paying those charges off shows that you are responsible with credit. [38:30] Christina talks about collection accounts and how they could impact your credit score, depending on the model.   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: Learn more about Experian Get a copy of your free credit reports at www.annualcreditreport.com  Follow Experian on Twitter Save your spot in the upcoming How to Master Your Money and Budget Masterclass! 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 rise of real estate investing in social media has been a popular topic of conversation…and for good reason. There are a lot of amazing things that can come from real estate investing. There's a lot of work that goes into it as well. My brother and I have been managing rental properties since 2015. For me, the goal is to build out a rental property portfolio. In this episode, I'm sharing my personal experiences with renting out properties and the pros and cons of doing so. If you're interested in real estate investing, hopefully this episode sheds some light into the things you should think about when moving forward.   Here's a glance at this episode: [02:01] Raya shares how she and her brother had to assume a mortgage for a property inherited from their dad. [05:13] A second property rented out belonged to her mom and it also had a mortgage on it when being rented out.  [11:40] Biggest pro for rental income is monthly cash flow. Monthly rent payments should cover any costs and leave you with profit. [14:44] It can cost a lot of money to “fix up” a property. Work with someone who can help you identify the most important things that need to be fixed. [17:55] Raya rents a property with a pool, which could lead to extra liability. Raya shares how she works through this.   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 86 – Home Buying 101 with Realtor Coco Massara 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!

Where are my fashion girlies at?! This one's for you! 15 years ago, I didn't budget or plan for anything. I would buy a new outfit every week, in preparation for going out on the weekend. I'm so happy to say those days are over! I may buy new clothes 1-2x per year, and I always have a plan and budget for it. As I've been perusing my closet, I've come across a few fashion statement pieces I want to invest in. In this episode, I'm sharing the 5 fashion pieces I want to budget for and add as staples into my wardrobe.   Here's a glance at this episode: [01:35] Raya shared how her bad spending habits on clothes added up over the years. [03:53] Raya wants to invest in a quality trench coat but doesn't want to spend years saving up for the right coat.  [06:30] Boots are high on Raya's investment list! She shares some of the requirements she's looking for in new boots. [10:45] Raya wants to invest in a bold-colored pant suit. This can be used multiple ways by mixing and matching the pieces.   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 1 – Big City Spender to City Girl Saver 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!

Over the years of budgeting and managing my money, I've come across a few key indicators of growth in my situation. Now, I make it a point to monitor those indicators on a regular basis. Tracking these specific indicators helps me quickly gauge if I'm making progress or trailing behind. That information allows me to know if I should keep doing what I'm doing or switch things up. In this episode, I'm sharing the 6 things I monitor in my money situation and why they make a difference for me. Feel free to take any of the things I monitor and apply them to your own situation!   Here's a glance at this episode: [01:32] It should come as no surprise that one of the things Raya monitors in her situation is her budget and its effectiveness. [04:08] Raya breaks down the key things she looks for when monitoring her budget. This includes overspending, categories and more.  [07:12] While Raya is tracking her spending, she's also looking at her budget. This gives her the information she needs to make changes. [11:25] Raya tracks her account balances monthly, which has a direct impact on tracking her net worth. [15:38] Because she tracks her budget, Raya can easily identify how much she saves towards her goals.   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: 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!

There was a point in my life where I would set big goals and not check-in on them. I would keep them top of mind but only assess my progress once the goal time frame (typically one year) ended. Not anymore! Now, I make it a point to assess my goal progress along the way. This helps me course correct, make changes, or keep doing what's working! At the end of 2023, I shared my personal and business goals for 2024. Now that we're over the halfway mark of 2024, I want to share my progress! In this episode, I'm doing a mid-year personal and business goals check in! I'm sharing my goal progress with you, in the hopes that you're encouraged to do your own progress check.   Here's a glance at this episode: [02:07] Raya shares her progress on some health and diet related goals she set for 2024, along with a recipe! [05:25] Another goal for Raya is to max out her Roth IRA. She shares that she isn't on track with this goal as of now, but has confidence it will be achieved.  [10:38] Another off-track goal is taking an international trip. While planning has started, it likely won't be a trip that happens in 2024. [13:40] Raya shares some events happening in the CGS community that can help reach the goal of 7500 Facebook Group members. [16:25] While the business is not hitting a 50% increase in revenue, it is averaging 20%, which is still promising.   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 CGS Podcast Episode 105 – My Personal and Business Goals for 2024 Italian Sausage Spaghetti Recipe Listen to CGS Podcast Episode 121 – How I Paid off My Dream Car 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!

Depending on where you are in your financial situation, buying your first rental property (or any property for that matter) may seem light years away. I've got news for you. It may not be as far away as you think. There's a specific process behind purchasing your first rental property and using that property to create instant cash flow. That's why I'm so excited to have Antonio Cucciniello of Investarters on the show today to talk about that exact process. If getting into the real estate investing game is on your wishlist, you don't want to miss this discussion!   Here's a glance at this episode: [06:24] Antonio shares how scared he was to invest in his first property, so he made sure it was a situation that would make him money. [13:08] Antonio has worked his way up to owning 8 properties. He breaks down what led him to this point and what he learned along the way. [19:37] There are a few specific things Antonio looks for when picking a rental property. He walks through his criteria. [32:15] Antiono shares his thoughts on DTI (debt-to-income) ratios and advises to talk with a lender to understand more. [44:10] Keep detailed bookkeeping of income and expenses that come from your rental property – it will save you a lot of time and money in the future.   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 Antonio on Instagram Follow Antonio on TikTok 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!

No one actually wants to live paycheck to paycheck, but they also don't want to stop the habits that are keeping them in that vicious cycle. When it comes to your money, the last thing you want to do is waste it! Being fully aware of what bad habits are making or keeping you broke and working to fix them can help you better manage the money you do have. In this episode, I'm sharing 7 bad habits keeping you broke so you can work to fix them! Remember, when you know better, you can do better!   Here's a glance at this episode: [02:33] Don't have a budget? Grab a copy of Raya's free Monthly Budget Overview Tracker [05:22] Comparing your situation to what you see on someone else's social media page is useless. It can also cause bad spending behavior.  [09:18] Focus on building up a short-term emergency fund. Save an amount that feels good to you and use it when something unexpected happens. [14:14] Ignoring your debt is a habit that can keep you broke for much longer than you'd like. You must face the music! [17:56] Gratitude is the starting point for shifting from a scarcity mindset to an abundance mindset.   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: Download the free Monthly Budget Overview Tracker Let Raya create a budget plan for you! Listen to CGS Podcast Episode 31 – How I Combat the Competition Mindset Listen to CGS Podcast Episode 6 – How I Curbed My Desire to Spend Listen to CGS Podcast Episode 35 – Breaking Free of Broke Once and For All 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!

Have you heard of the term “travel hacking”?   If not, you're not alone.   I was introduced to the concept of travel hacking over two years ago by a Travel Rewards Coach who came on the podcast.   I was mesmerized – not only because I love to travel but because there's a way to do it for free, essentially!   While I won't be breaking down travel-hacking in detail, in this episode, I'm sharing how to use credit cards to fund your travel, almost like a beginner's way to travel hack!   Once you have the starting point, you can always work your way up to more travel-hacking strategies!   Here's a glance at this episode: [02:00] Use points from travel cards to book your travel. This is the easiest way to use credit cards to fund your vacations. [05:15] Some companies have sales on points. Use this as an opportunity to stock up on points without spending money on other things.  [09:33] Use a credit card during your travel. Eventually, you'll work your way up to more and more points to use for future travel. [13:00] Looking for your first travel card? Google “the best travel credit cards” and compare your options. [14:59] DO NOT CARRY A BALANCE. Travel hacking only works when you pay your credit card balance in full each month.   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 CGS Podcast Episode 12 – An Introduction to Travel Hacking Listen to CGS Podcast Episode 30 – Vacation Planning on a Budget Earn 185,000 Bonus Points with the American Express Bonvoy Card Let Raya create a budget plan for you! 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!

While saving money just to save is better than not saving any money at all, you could be missing out on opportunities to maximize your savings efforts. When it comes to saving money, you'll want to implement a strategy that sets you up for success. You may already have that strategy, or it may need to be tweaked. In this episode, I'm sharing 5 ways you can take your savings strategy up a notch and guarantee yourself the best results with your money-saving efforts.   Here's a glance at this episode: [02:35] Naming your savings account to match the goal you're saving for, you're more encouraged to avoid spending that money. [06:29] Depending on what you're saving for and how long it will take to reach that goal, you may want a specific type of account as you save for that goal.  [10:14] High Yield Savings Accounts are great options for saving for any type of goal because you'll earn more interest than with a regular savings account. [13:54] As you make progress towards your savings goals, make sure you reward yourself for wins along the way. [16:45] It's so easy to want to do everything at once, but you could be spreading your resources too thin and delaying your progress.   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 CGS Podcast Episode 76 – Breaking Down My Savings Accounts and Strategies Let Raya create a budget plan for you! 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!