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 whole 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.