Author name: Raya Reaves

Raya Reaves is the Founder and Finance Coach of City Girl Savings, LLC. Raya launched City Girl Savings in 2015 as a resource for women from all walks of life to learn about personal finance and money management. Raya teaches women how to create and stick to realistic budget plans to reach their financial goals. Raya resides in Austin, Texas with her boyfriend and two Yorkie dogs.

5 Toxic Money Behaviors Hurting 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

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5 Things You Shouldn’t Ignore When Managing Your Money

I’m proud to say that I’ve been actively managing my money for nearly 20 years. I’ve also been helping women manage their money for nearly 10 years. As I explained in CGS Podcast Episode #122 – Financial Education vs. Financial Experiences, there’s nothing like learning from good (and bad) experiences when it comes to your

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