Ready for your Dream Life?!
Work one-on-one with Raya to get out of debt, reach your savings goal, and finally become FINANCIALLY FREE. Get the financial success you deserve!
I'm Raya, City Girl Savings Founder and Budgeting Coach for women who are ready to breakthrough ongoing financial burdens and achieve true financial freedom.
I, myself, have gone through the trials and tribulations that come with a lack of budgeting experience.
I lived in a big, expensive city, and I wanted to enjoy life. I took trips, I dined out, I bought designer duds. Then, I couldn't pay rent.
I literally walked to my apartment door and faced an eviction notice. Pay in 3-days or get out. Crap. I got paid in 5 days.
This was my wake-up call. All of the "FUN" I had could not save me from being evicted. If I only put aside my rent money BEFORE going on a girl's trip. I worked my tail off those next 3 days, and paid rent with every last cent I had.
After that, I got my sh*t together. I started working overtime. I stopped going out to eat. I got a roommate. I shopped in my closet. I started writing my expenses down.
I created an excel spreadsheet that outlined my expenses. I made sure priorities came before anything else.
Then, I lost my father and had to move back home.
The cost of living in Austin (home), is significantly lower than Los Angeles (where I was living). All of those positive habits I began implementing in LA, continued when I moved to Austin.
Only now, my expenses reduced dramatically. I was no longer breaking even, I was at a surplus.
I started putting everything extra towards my debts. I paid off thousands of dollars worth of credit card debt in just over a year.
Once the debts were gone, it was a whole new ball game. I had a small emergency fund, then a big emergency fund. I'm on track to retire with over 1 million dollars. I was able to start my business, save for retirement, take trips (without using credit cards), and feel the weight of debt and poor budgeting lift off my shoulders. I turned things around, and YOU CAN TO.
If you feel that you will never get out of debt, or you can't control your spending, or you will always be in the same, terrible spot, I have news for you: THERE IS A WAY OUT.
I'm not saying there's an easy way out (what are the odds of winning the lottery, again?), I'm saying there is a strategy you can follow to get out of your hole and breakthrough financially.
I am in the best place I've ever been financially, and it's only up from here.
Now, it's your time.
1-on-1 Coaching Program (12 weeks)
This one’s for you if you feel like nothing seems to work…
Every time you try to save money, something pops up and kills your progress...
Your income just doesn’t go as far as you need it to...
Your budget is a mysterious plan that you can’t seem to figure out.
Trust me, I understand.
I’ve been coaching women one-on-one for over 3 years now, and I worked with:
-Women who have too much debt
-Women who don’t have enough debt and therefore can’t build their credit
-Women who can’t seem to stop spending
-Women who save money, only to spend it
-Women who don’t make enough money
-Women who make enough money but live paycheck to paycheck
The list goes on, but it’s already overwhelming, so let’s stop right there!
While that list looks scary and can be overwhelming (especially if one or all of the scenarios apply to you), the good news is that ANYONE can make a change.
Each of the women I’ve worked with who fell into the scenarios above has changed their situation for the better. I helped them:
-Create a plan for their debt, which made it so much more than a big, scary number that can't be knocked out
-Start using debt the right way to improve their credit score (I’m talking spikes of 60+ points in one month)
-Get to the root of why they keep spending, even when they know they shouldn’t. Understanding the "why" CHANGES the game!
-Find the “sweet spot” saving amount that is large enough to make a difference, but small enough to ensure it’s never touched
-Start thinking outside of the box to bring in more money (the average millionaire has 7 streams of income, so having just one won’t do!)
-Set up a solid budget and spending plan that breaks the paycheck to paycheck lifestyle
No one needs to have all the answers, but we all need to have the smarts to realize a CHANGE needs to be made, then the courage to make that change.
That’s honestly why I created my Financial Focus Coaching Program. This 12-week program helps to put all of the pieces in place to SET YOU UP for financial success – regardless of what your current situation is.
The best part of the program, in my opinion, is that you have 12 weeks of one-on-one calls with me, a detailed budget plan to follow, and the proper tracking system to ensure you are successful with your budget.
Throughout this program, we will focus on:
*Setting your financial goals so you can live your DREAM LIFE – Making sure you have the proper vision for your finances, both short term and long term, and set out a game plan to help you reach those goals. Also, dealing with adjustments to the plan when things pop up (they always do, right?)
*Following a budget and controlling your spending because if you can't manage your money at this level, you won't be able to manage it at the next level – Getting a budget in place that is realistic (meaning you can reach your goals and still enjoy life in moderation) and comes with a system that calls out exactly where you over spend and by how much. This information is incredibly important for controlling your spending.
*Creating habits and routines that LEVEL you up and allow you to be consistent month over month, year over year– Setting up habits, actions, and routines for you to follow long after the program that will lead to your continued budgeting and financial success. You will be able to handle any type of scenario because you’ll know what questions to ask yourself, where there’s flexibility in your budget if changes need to be made, and how to keep the motivation alive when you simply want to spend money.
What I know for sure? Life changing results will be happening and you will feel more powerful in your finances than EVER before.
If I were you, I'd be sure to join TODAY. Why?
Spots are limited because there is only of me and PLENTY of women who need to get their finances in tip top shape.
Success comes from action. If you know you need to be better with budgeting, spending, debt, and money overall, why would you want to prolong your success?
Book a free consultation with me today to take action and start on the path towards success!
In this 3-month, one-on-one coaching program, we:
- Create a realistic budget and spending plan for your situation
- Track your expenses, spending, and habits to ensure success or fix areas of opportunity
- Identify any fears or negative thoughts around finance and budgeting and work to shift your money mindset
- Work to get the root of poor spending/budgeting habits
- Review all areas of your financial situation to get you set up for success (401k/retirement, savings account opportunities, ways to make bill pay easier, etc.)
- Build positive money and budgeting habits
- Create a plan to diligently pay off debt
- Work to build your savings as quickly and efficiently as possible (without touching it)
- Handle unexpected expenses or setbacks the most financially sound way possible
- Much more
Just like you would hire a trainer to help you get in shape, if your finances need a revamp, hire a coach! This program is perfect for you if:
- You have never been able to create, implement, or follow a budget (like, ever)
- You are drowning in credit card debt, and there *appears to be no way out
- You have a poor relationship with money and you're ready to shift your money mindset
- You can't seem to save anything, at least without touching it
- You make decent money, but can't figure out why there is never any left after payday
- You know you can be doing so much more with your finances, but don't know how or where to start
- You are ready to get to the next level financially and need the accountability and know-how to do so
In this 3-month program (terms can run longer, based on need), you will get:
- 12 one-on-one coaching calls (1 per week)
- Personalized budget and spending plan (created by me)
- Personalized tracker to monitor spending (daily)
- Unlimited text and email access to me throughout the term
- Unlimited feedback on financial decisions and questions
- Review of your current standing and my recommendations on improvements
The number 1 question I get asked is:
Why should I pay to get help with my finances when there are plenty of free or low-cost options available?
Since I’m a coach that specializes in helping people who don’t know how to budget, you can imagine how many times I’ve been asked this question.
It’s a valid question.
The funny thing this, though, the people who are asking that question aren’t asking questions like:
Why should I have to use my credit card to buy things I don’t need?
Why should I have to save my money so I don’t live paycheck to paycheck?
Why should I have to pay bills on time so I don’t have late fees or a low credit score?
Those are valid questions, too.
The reason why people need to pay for help in areas that haven’t been successful in (finances included), is because they haven’t been able to figure it out themselves up until this point.
That’s not to say that no one can figure it out themselves.
I sure did, as far as my finances go…
But, it wasn’t easy. It wasn’t overnight. It would have happened a lot faster with the right guide.
So, if something isn’t working in your financial situation, why wouldn’t you ask a question like:
“Does it make sense to continue what I’ve been doing, knowing it’s not working, or do I make the decision to do things differently and get on track once and for all?”
The answer to THAT question (the question you really need to be asking) is exactly WHY you should pay to get help with your finances.
The answer to that question is exactly why you should pay to get help in any area of your life that hasn’t been successful.
The power of learning from those who are where you want to be is priceless.
The power of someone holding you to a higher standard than you’ve ever held yourself to is priceless.
The power of progress and results from doing the right things is priceless.
So, the real question is…why wouldn’t you pay to get help with your finances?
In simpler terms...
Similar to a personal trainer for your health/weight, you can have a personal trainer for your finances.
You don’t necessarily hire that personal trainer because you don’t know what to do, right? You already know you need work out and eat better.
However, you hire that trainer to get to the nitty gritty of your health/weight issues.
You work with them to get the right plan for you to follow to reach your goals.
You work with them for a specific amount of time with the mindset that you will take what you learn and grow/implement on your own.
The same applies to a finance/budget coach (aka me). You know you need to avoid overspending and budget better, but having someone hold you accountable, map out a plan of attack, and learn what you need to do to grow/implement on your own, yields true long term success.
Quick fixes often don't get to the root of the problem and often don't lead to success or consistency long term.