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 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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5 Ways to Train Your Brain to Think Long-Term with Money

Everyone has a different money personality. Some people hoard their money and avoid spending it at all costs. On the other end of the spectrum, some people can’t let much time pass before spending the money they have. While neither scenario is great, the goal should be to maintain control of your money. A part

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5 Tricks for Successfully Managing Balance Transfers

Across the CGS community, I’ve been asked numerous times about my opinion on balance transfers. My response is always the same: balance transfers can be incredibly effective, when they’re managed properly. I’ve leveraged balance transfers myself to take care of high interest debt or to leverage large amounts of cash interest-free for a specific amount

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