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#109: The Major Signs You Need Help Managing Your Money Let’s be real. Finances are still a very personal topic. While we’ve made strides towards having open money conversations, we have a long way to go. Since financial literacy isn’t included in standard education curriculum, you can’t blame yourself for not being great with money. You likely learned a lot of your habits from your parents. And that may not be a good thing. In this episode, I’m sharing some major signs you need help managing your money. If any of these signs apply to your situation, acknowledge them, and take action. Ignoring the signs will only delay your progress. Here’s a glance at this episode: [01:48] With the rise of social media, we have inside scoop into how the wealthy (and un-wealthy) spend their dollars, causing feelings of inadequacy. [06:06] Even $25 a paycheck being saved can help you break free of living paycheck to paycheck. Small steps add up over time. [11:02] Did you know Raya creates budget plans? If you don’t have a budget, you need one! Raya shares how you can get started with one. [17:07] One of the biggest signs you need help managing your money is if you don’t have a budget. A budget is the number one tool for success with your finances. [22:50] When you invest in working with a coach or other professional, you have skin in the game. This is usually what helps you get the results. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Resources mentioned in this episode: Raya Recommends: The Richest Man in Babylon Let Raya create a budget plan for you! Listen to Episode 15 – My Debt Free Story and the Biggest Takeaways Listen to Episode 84 – Why You Need to Pay to Get Better with Money Learn about Raya’s Financial Focus Coaching Program Need help with your finances? Request a call with Raya! Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the C … #109: The Major Signs You Need Help Managing Your MoneyRead More »

7 Habits to Help Boost Your Productivity We live in a hustle culture, and while that can be a good thing, it can also lead to burnout and frustration. Me personally, I … Read More »

24 Things to Do for Your Money in 2024 Another year is here and that means another annual list of things you can do to improve your financial situation! Woop Woop! Yep, … Read More »

#108: 6 Next Level Habits I’m Adding to My Life Have you ever felt like you’re on the verge of breaking through to the next level? Almost as if you’ve mastered everything you can master at this point in your life and to move forward, you must grow in new and different ways? Well, I’m in that spot right now. I feel like I’m at the cusp of a new level and to enter it, I need to let go of things that no longer serve me and start new habits and routines that will foster my growth at the next level. So, after giving it a lot of thought, I’ve determined the 6 habits and routines I’m adding to my life to help me become my next-level self. In this episode, I’m sharing the 6 next-level habits I’m adding to my life to help me level up! Here’s a glance at this episode: [02:25] Raya shares an important realization – the habits that she plans to implement may only serve her for a point in time…and that’s okay. [05:41] While Raya read more books in 2023, she watched TV more than she read books. Can you relate? Listen as she shares why this won’t be the case in 2024. [10:18] Raya realized that how she dressed everyday had a huge impact on how she felt. Now, she vows to let go of the yoga pants and sweatshirts! [16:20] Having 2-3 dedicated call days every week will help Raya spend time focusing on her clients, as well as time focusing on growing the business. [20:30] Raya plans to not only track her goal progress (per usual), but will dedicate time to thinking about what the data is showing. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Resources mentioned in this episode: Listen to Episode 105 – My Personal and Business Goals for 2024 Check out Sydney Cummings Houdyshell on YouTube! Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! … #108: 6 Next Level Habits I’m Adding to My LifeRead More »

6 Budget Goals Every Woman Should Have This goes without saying, but I need to say it anyways: you need a budget. Every woman needs a budget. Hashtag budget goals! It … Read More »

5 Tricks to Keep Me on Track with My Goals 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’ … Read More »

#107: Adding Investing to Your Money Goals with Marc Russell It’s 2024 and if you haven’t started investing, in any way, shape or form, then let’s make this year the year you add investing to your money goals! While there are a variety of ways to build wealth, I firmly believe that long-term investing is one of the best ways to do it. Whether it’s contributing to a retirement plan or leveraging a general investment account, consistent investing is a must. That’s why I’m so excited to talk with Marc Russell of BetterWallet today about how you can add investing to your money goals. Get ready to take your finances up a notch this year! Here’s a glance at this episode: [03:42] Marc shares his experience with joining the team at Vanguard. Marc shares why they were an advocate for him and his goals. [09:40] Marc breaks down the differences between a financial coach and a financial advisor and gives insight into when someone may be ready to work with a financial advisor. [17:57] Get an easy-to-understand overview of investing and why it’s a much better approach for your money than saving with a bank. [27:30] It’s easy to get overwhelmed with all of the investment options that are available. When you decide on what’s best for you, stick with those options and see them through. [38:05] Marc shares a few of his favorite investment and brokerage platforms and what people should be looking for when deciding on a brokerage company. [49:29] Marc is working to set up a scholarship fund to help people financially cover the costs of higher education. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Resources mentioned in this episode: Follow Marc on Instagram Get Marc’s Investing Guide Sign Up for Marc’s free investing class Check out Marc’s free investing class for your kids Check out the BetterWallet Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! Wat … #107: Adding Investing to Your Money Goals with Marc RussellRead More »

CGS 2023 Year End Goals Recap I’m going to be honest with you – 2023 was rough. Between the loss of my mom, income dips, legal issues, and slower business mon … Read More »

7 Things I Stopped Doing to Have Peace in My Life As I’m writing this, I’m getting ready to turn 36 years old (whew, I look good though lol). It’s funny that the older I get, the m … Read More »

#106: Christmas as a Money Coach – What I Give and Ask For Happy Holidays! Have you ever wondered what a money coach gives and asks for Christmas? Well, you’ll learn today! While I … Read More »

6 Tricks to Prepare Your Budget for Another Year For those of you who’ve been in the City Girl Savings community for a while, you know just how important I think budgeting is f … Read More »

6 Healthy Resolutions to Set for the New Year As we get ready to step into a new year, it’s the perfect time to reflect on our lifestyle choices and set positive goals to … Read More »

#105: My Personal and Business Goals for 2024 You may remember I did an episode at the end of 2022, sharing my personal and business goals for 2023. I got such great … Read More »

City Girl Savings Goals for 2024 Well, here we are again. At the end of another year. I say it every time, but I still can’t believe how fast time seems to move. A … Read More »

Episode #104: Signs You Shouldn’t Be as Broke as You Are While the statistics vary, it’s believed that 55 to 63 percent of Americans are living paycheck to paycheck. Plus, O … Read More »

5 Ways to Manage the Winter Blues As we enter the “happiest time of the year”, there are a lot of things to look forward to. The holidays, time with family, coz … Read More »