Small Habits, Big Results: How to Take Control of Your Finances with Daily Micro-Moves
Let’s face it…life is busy. Between juggling work, relationships, wellness, family, and all the other responsibilities that come with being a modern woman, it can feel like there’s no time left to actually manage your money.
And yet, building wealth, staying on budget, and hitting your financial goals all require consistency and intention.
But what if it didn’t have to take hours of your week to feel financially in control?
Here’s the truth: You don’t need to overhaul your entire life to make progress with your finances. In fact, sometimes it’s the small, consistent habits, done in just a few minutes a day, that lead to the biggest long-term wins.
In this episode of the City Girl Savings Podcast, I’m sharing 6 productive, bite-sized money management strategies that you can complete in 10 minutes or less each day.
These are the exact habits I’ve used (and teach my clients to use) to track spending, stay aligned with goals, and feel confident about money—without feeling overwhelmed or burned out.
Whether you’re working toward paying off debt, saving for something big, or just trying to get more organized with your finances, this episode will give you practical, doable ways to stay on top of your money—no matter how busy life gets.
Here’s a glance at this episode:
- [01:55] If you haven’t started tracking your spending regularly, Raya breaks down the importance of doing so for growth in your finances.
- [04:16] Building the habit of tracking your spending daily will result in you spending minimal time on this task, but get maximum benefit.
- [07:50] Regularly looking at your budget makes sure you’re staying aligned with your goals and financial intentions.
- [11:34] Tie daily goals towards your bigger long-term goals. Break down those bigger goals, especially savings goals, into easier-to-manage chunks.
- [14:45] You don’t have to spend long hours and a lot of time working on your finances. You can make an impact with strategic short-and-sweet tasks.
“You don’t have to spend long hours on your finances to see results. Small, consistent actions lead to major money wins.”
Here’s What You’ll Learn in This Episode:
Why 10 minutes a day is all you need to build strong money habits
How to track your spending consistently—without overcomplicating it
The importance of checking in with your budget regularly to stay on track
How to break down long-term financial goals into short, actionable daily tasks
Quick mindset and money shifts that create long-lasting results
Rate, Review, & Follow:
Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!
This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!
To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!
Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!
Resources mentioned in this episode:
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!
