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.

10 Years of City Girl Savings: Celebrating a Decade in Business

10 years ago today, City Girl Savings launched! I had come up with the idea for City Girl Savings near the end of 2013 and started taking action all through 2014. I hired a company to design a website with the capability of fostering a community, technology to allow me to create customer budget plans […]

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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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