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.

More Frugal Less Cheap

5 Ways to Be More Frugal and Less Cheap

It’s my belief that there’s a common misconception that being frugal equals being cheap. That’s absolutely NOT the case! In fact, being frugal means you’re “economical with regard to money.” Being cheap means spending the lowest amount possible, with no regard to quality. In other words, being frugal means you make smart decisions with how

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5 Tricks to Get Caught Up with Your Retirement Savings

5 Tricks to Get Caught Up with Your Retirement Savings

Most of us enter the workforce right after college, if not earlier. It’s not until we start making real-world money that we even think about contributing to a retirement fund. In fact, most new professionals are automatically placed in their company’s 401k plan without understanding what it means. As we get older, we start to

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