City Girl Savings is on a mission to spread financial knowledge. Our Finance Talk articles will help you learn and implement money moves!
We’re getting close to another new year. It never ceases to amaze me how fast time truly goes. They say time flies when you’re having fun, but time flies regardless! It’s important to recognize that time is the one currency we can’t get back. Once it’s spent, it’s gone. I realized that a long time […]
6 Money Goals to Set that Never Get Old Read More »
If you’re listening to this episode when it’s released, we’re about six weeks away from the new year. I love everything about this time – wrapping up a year, reflecting on how things have gone, and setting goals for another year. I think now is the perfect time to get things in order. Don’t wait
#153: Money Systems to Set Up Before the Year Ends Read More »
Have you ever been intentional with consistent gratitude? Meaning, every day you acknowledge the things you’re grateful for, for an extended period of time. If you have been intentional with gratitude and appreciation, you probably have noticed the benefits. The more grateful you are, the more you seem to have and the happier you seem
7 Ideas to Help You Appreciate Your Money Read More »
If you’re anything like old Raya, the holidays can put a hurting on your budget. Between Christmas gifts, personal gifts, stocking stuffers and sales galore, it’s easy to find yourself going into debt during the holidays. Trust me…I was there. Black Friday was my time to buy gifts…for myself! I would buy other people gifts
#150: 6 Reasons Not to Go into Debt During the Holidays Read More »
Take it from a reformed holiday overspender, sticking to a holiday spending limit is a must to stay on track with your financial goals. There was a certain time in my life where the holidays felt like free reign. With all the sales, not only would I spend on Christmas gifts for others, but I’d
5 Tricks to Help You Stick to a Holiday Spending Limit Read More »
Fall is my favorite season! The weather is cooling down, pumpkin spice lattes are flowing, and the holidays are around the corner! There are so many wonderful things that come with the fall season, so it’s only right that our budgets are adjusted accordingly. In this episode, I’m sharing 5 budget adjustments to make for
#148: 5 Budget Adjustments to Make in the Fall Read More »
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
5 Toxic Money Behaviors Hurting Your Bottom Line Read More »
Yep, you read that title right – I went a whole 5 months without spending unnecessary money! You see, I took a contract job, so I decided to embark on a no-spend challenge for five months. Five months of saying “nope” to all the extra spending. What started as a wild, yet necessary idea became
I Did a “No-Spend” Challenge for 5 Months – Here’s What Happened Read More »
Most budgeting issues are caused by 2 problems: a spending issue or an income issue. A spending issue means someone makes enough money to cover their bills, expenses, savings and moderated fun spending, however they overspend on things they don’t need, so it feels like they don’t make enough money. An income issue means someone
5 Signs Your Current Income Isn’t Cutting It Read More »
