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 […]
#150: 6 Reasons Not to Go into Debt During the Holidays Read More »
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
#149: Making the Mindset Shift from Spender to Saver Read More »
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
#148: 5 Budget Adjustments to Make in the Fall Read More »
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
#147: The Rise of Financial Coaching with Nicole from Arise Financial Read More »
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
#146: 6 Habits and Routines That Help Me Manage My Time Read More »
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
#145: Why the FIRE Movement is Too Extreme for Me Read More »
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!
#144: 5 Things You Can Do to Give Yourself More Time Back in the Day Read More »
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
#143: My Travel Bucket List and Destination Experiences Read More »
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
#142: Building a Wardrobe on a Budget with LA Stylist Emily Burnette Read More »
