City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women Podcast Por Raya Reaves arte de portada

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

De: Raya Reaves
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Make good money but can't seem to manage it? Looking to reach life goals but finances hold you back? Ready for a budgeting and money management system that helps you reach your dream life? You're in the right place! You can live a life you love on a budget, and Money Coach + City Girl Savings Founder Raya Reaves is showing you how! Raya went from being an over-spender deep in credit card debt to being the founder and full-time money coach of City Girl Savings. On the weekly podcast, Raya shares her experiences, advice, and guidance on navigating life and money as a travel-and-iced coffee loving millennial! Let Raya be the money coach in your ear every Monday, helping you budget your way to a life you love! Raya covers topics like: -Shifting your money mindset -Setting up budgeting systems that actually work -Paying off debt and keeping it at $0 -Leveling up your personal and professional life -Saving money tips and so much more Raya completely turned her own life around with a budget over a decade ago. Now, she runs City Girl Savings full-time, owns a second home in Palm Springs (which was a recently-achieved life goal), coaches women on how to budget and manage money, and travels the world multiple times a year (a must for Raya)! This show is perfect for women who are looking to take control of their income, live a life they truly love and build wealth and security for themselves. You can learn how to manage money that gives you everything your heart desires! Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more! You can also sign-up for the weekly City Girl Savings newsletter: https://citygirlsavings.activehosted.com/f/31 Connect with Raya on Instagram: @citygirlsavings© City Girl Savings, LLC Desarrollo Personal Economía Finanzas Personales Éxito Personal
Episodios
  • 5 Money Lessons 2025 Taught Us and How to Apply Them in 2026

    5 Money Lessons 2025 Taught Us and How to Apply Them in 2026
    Dec 29 2025
    Can you believe this is the final episode of 2025? It feels surreal to be closing out another year of the City Girl Savings Podcast—211 episodes of financial education, mindset shifts, and real conversations about building the life you want through better money management. If you've been tuning in all year…whether this is your very first episode or you've listened to all 50+ episodes released in 2025…I just want to say thank you from the bottom of my heart. Truly. Your support, your listens, your shares, your reviews, your messages about how an episode changed your perspective... they all mean the world to me and the entire CGS team. This podcast started back in January 2022 as a way for me to share what I've learned about money, mindset, goal-setting, and creating the life you want on your own terms. Over the past four years, it's grown into such a powerful space for women to learn, grow, take ownership of their financial futures, and realize they're not alone in their money struggles. As we close out another incredible year, I've been reflecting deeply on what 2025 has taught me—not just as a money coach working with clients every week, but as a woman navigating her own financial journey, personal growth, health challenges, business evolution, and life transitions. So in today's final episode of the year, I'm sharing five powerful money lessons that 2025 taught us, along with practical ways to apply each one in 2026 so you can reach brand-new levels in your financial journey. And because I'm passionate about the transformation that happens when you have support and guidance, I'm also sharing how working with a money coach can help you implement these lessons with clarity and confidence. Grab a notebook, open your Notes app, or get ready to screenshot some key takeaways, because these five lessons are the perfect foundation for the new year ahead. Here's What You'll Learn in This Episode: Why discipline beats motivation for lasting financial results The role of mindset in determining your money success or struggles How financial systems create freedom instead of restriction Building accountability through money coaching and support systems Real client success stories: credit score increases, debt payoff, mindset shifts The power of imperfect action over waiting for perfect conditions The Perfect Year-End Reflection: After 211 episodes and countless client transformations, these five lessons represent the most powerful shifts that create lasting financial change. Whether you crushed 2025 or struggled through it, these insights will help you enter 2026 with clarity, confidence, and a concrete plan for growth. Here's a glance at this episode: [02:29] Discipline Over Motivation: Why the hard days make the biggest difference in your financial progress.[05:10] Mindset Transformation: How money coaching rewires your relationship with money, confidence, and self-worth.[09:27] Systems Create Freedom: How financial organization eliminates stress and creates lasting peace with money.[11:56] Progress Over Perfection: Why waiting for the "perfect time" keeps you stuck and how to take imperfect action.[14:40] Q1 2026 Podcast Break: What to expect during the break and exciting updates coming in April 2026. 🎉 City Girl Savings 20% Off Sale - January 1-15, 2026! Start the new year strong with 20% off custom budget plans, the Personal Finance Portfolio, 1-on-1 money coaching, and DIY worksheets. This is our biggest sale of the year and only happens once—mark your calendar! Podcast Q1 2026 Break Announcement: After releasing weekly episodes since January 2022, the City Girl Savings Podcast is taking a well-deserved Q1 break (January-March 2026). We'll share favorite past episodes weekly to keep you inspired while preparing an incredible new season. Brand-new episodes return the first Monday in April 2026! Thank You for an Amazing 2025: Thank you for being part of the CGS family this year. Your support has made this podcast's growth possible, and I'm so proud of the progress you've made toward your financial goals. Here's to the lessons learned, the progress made, and the amazing transformations waiting in 2026! 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 your CGS Personal Finance Portfolio Listen to Episode #21 – Setting Up Your Own Financial Filing System Get ...
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    16 m
  • 6 Ways to Assess Your Goal Progress and Set Better Goals

    6 Ways to Assess Your Goal Progress and Set Better Goals
    Dec 22 2025
    As the year winds down, I always find myself in reflection mode—looking back at the goals I set at the beginning of 2025, evaluating what went well, what didn't pan out, and most importantly, what I learned along the way that will make me better at goal-setting moving forward. And let me tell you, goal setting is one of my absolute favorite things to do. I love the process of dreaming big, planning strategically, and mapping out what's next for my life and business. But if I've learned anything over the years of setting and tracking goals, it's that how you set your goals (and how you track your progress throughout the year) matters just as much as the goals themselves. You can have ambitious, exciting goals, but without the right assessment process and tracking systems, you'll constantly feel like you're falling short even when you're making real progress. Or worse, you'll keep setting the same goals year after year without understanding why they're not working. So today, I want to help you assess where you are right now with total honesty and zero guilt. Whether you absolutely crushed your 2025 goals and exceeded your own expectations, or you're looking at your list feeling like you fell short in several areas, this episode will help you reflect constructively and set yourself up for even more success in 2026. In this episode, I'm sharing 6 practical ways to assess your current goal progress and set better, more effective, more aligned goals for the new year. These strategies will help you understand what worked, what didn't, and how to create goals that actually stick. Here's What You'll Learn in This Episode: How to conduct an honest goal inventory without self-judgment Why celebrating progress matters more than perfect completion Identifying successful systems and habits that moved you forward Recognizing patterns and obstacles that consistently derailed progress The importance of revisiting your "why" before setting new goals How to make goals specific and measurable for better tracking Breaking big goals into small, consistent, achievable actions Adjusting goals when life circumstances or priorities change Separating self-worth from goal achievement outcomes Setting smarter goals based on lessons learned from previous years Here's a glance at this episode: [02:01] Honest Goal Inventory: Taking stock of achievements, in-progress goals, and what didn't happen (without self-criticism).[04:25] Progress Over Perfection: Why consistent effort and partial completion deserve celebration and recognition[08:02] Revisiting Your Why: Evaluating whether last year's goals still align with your current values and lifestyle.[11:09] Specific Goal-Setting: How to transform vague intentions into measurable, trackable targets. [13:06] Self-Worth Reminder: Decoupling personal value from goal completion and embracing growth mindset. 🎉 Annual 20% Off Sale Alert! The City Girl Savings New Year Sale runs January 1-15, 2026! Get 20% off custom budget plans, the CGS Personal Finance Portfolio, 1-on-1 money coaching, and DIY worksheets. Mark your calendar—this is our biggest sale of the year and only happens once! Podcast Break Reminder: The City Girl Savings Podcast takes a Q1 2026 break (January-March). We'll share favorite past episodes to keep you inspired, then return with fresh content the first Monday in April 2026! 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 your CGS Personal Finance Portfolio Get started on a custom budget plan today 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!
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    16 m
  • My Personal and Business Goals for 2026

    My Personal and Business Goals for 2026
    Dec 15 2025
    Wow, how is it that another year is almost behind us? The older I get, the more I feel like time is just flying by, and if you're not intentional about making the most of your time, you'll get left behind chasing goals you never quite reach. This reality feels even more true as I reflect on 2025 and look ahead to what I want to accomplish in 2026. In the spirit of making the most of my time and staying intentional with my progress, I'm a firm believer in the power of planning, setting, and reflecting on goals…both personal goals for my life and business goals for City Girl Savings. But here's what makes goal-setting even more powerful: accountability. Sharing my goals publicly with the CGS community holds me accountable to actually working toward them instead of letting them sit in a journal collecting dust. It also gives you real-world examples of how entrepreneurs balance personal wellness goals with business growth targets, manage financial priorities while building wealth, and adjust expectations when things don't go as planned. In this transparent episode, I'm sharing my complete personal and business goals for 2026, along with honest progress updates on the goals I set for 2025…the wins, the misses, and the valuable lessons learned along the way. From maxing out my Roth IRA to managing a short-term rental property, from improving profit margins to taking a podcast break for mental health, I'm pulling back the curtain on what it really looks like to run a business while prioritizing personal wellness. My hope is that you finish this episode feeling empowered and inspired to set and reflect on your own 2026 goals, whether they're financial, health-related, business-focused, or all of the above. Here's What You'll Learn in This Episode: Balancing ambitious financial goals with realistic expectations Investment strategies: maxing out retirement accounts (Roth IRA) Real estate investment lessons from managing a short-term rental property Business finance: increasing profit margins while managing revenue fluctuations Health and wellness goals for entrepreneurs and busy professionals Managing screen time and reducing social media-induced anxiety Prioritizing nervous system regulation and work-life balance Setting business revenue and profitability targets for sustainable growth Radical Transparency for Accountability: This isn't a highlight reel—it's an honest look at what worked, what didn't, and how an entrepreneur balances million-dollar net worth building with mental health priorities. Use this as your roadmap for setting realistic, meaningful goals that honor both your ambitions and your wellbeing. Here's a glance at this episode: [03:37] Health Goal Progress: Hitting 12,000 daily steps 90% of the year and evolving fitness goals with naturopathic support.[06:43] Real Estate Reality Check: Palm Springs Airbnb lessons—prioritizing memories over profit and managing investment expectations. [11:35] Email Growth Strategy: How City Girl Savings tracks newsletter subscribers and sets baseline metrics for growth.[16:42] 2026 Life Goals: Planning a courthouse wedding and 3-week European honeymoon adventure! [18:51] Nervous System Regulation Priority: Why slowing down and reducing stress is Raya's top personal focus for 2026. 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! Podcast Update: No new episodes in Q1 2026—the show returns with fresh content the first Monday in April 2026! Past favorite episodes will air during the break. Resources mentioned in this episode: Listen to Episode 187 - 2025 Mid Year Personal and Business Goals Check In 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!
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    25 m
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