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Before I began working with Raya, I felt like I was treading water. My income was increasing from job to job, but my savings were stagnant, I wasn't saving much for retirement, my credit card bills were piling up and I was just skimming the top off my college debts ... about eight years after graduating.
After I started working with Raya, I became energized and focused around my finances. I had an organized plan of action and could see the light at the end of the tunnel. Paying off my debts actually became fun, and I greatly looked forward to our weekly check-ins. Even on the weeks when I wasn't "perfect" or completely within budget, I was still supported and encouraged. Raya showed me how much progress I was making, which shifted my attitude around finances from helpless and listless to optimistic and motivated. I'm going to keep the financial habits, especially budget tracking, and I'm excited to finish paying off all my debts.
The program paid for itself within a couple of weeks. Following that, I paid off both of my credit card debts, boosted my savings and actually began earning back interest on my savings account, started a travel/moving fund, paid off a good chunk of my student loans, and began contributing to a 401K (my company doesn't offer one).
If you’re thinking of working with Raya, I would say that it's worth it. At least have an initial conversation with Raya to see how your financial situation could improve with structure. Also, know that you have to put in the work every week to make progress. As long as you are honest about your goals and situation, willing to take the time to track your spending, stay within the budget and follow the debt repayment plan -- your goals are 100% achievable. And if you slip up, you can get back on track.
Before I started working with Raya, my financial situation was chaotic and stressful. Once I started working with Raya, I learned how to take control of my money -- instead of my money controlling me. The 12 one-on-one sessions with Raya were life changing. Every budget idea I tried in the past failed. With Raya, I learned to see my finances and budget through new eyes. I love the monthly budget spreadsheet she created for me (never thought I'd say that!) and I understand how to allocate my income to best serve my family's unique needs.
My relationship with money and my level of comfort with financial decisions has permanently changed for the better thanks to Raya's guidance and support. If you’re thinking of signing up to work with Raya, Do. It. Best money I ever spent. This is the kind of self-care so many women need but don't seek out. It can and will change your financial life for the better. The one-on-one budget help was EXACTLY what I needed to get my life and finances together during a challenging transitional period in my life. Many, many thanks to Raya!
Raya's one-on-one coaching program is wonderful. I loved the weekly phone calls and the budget file that we could both access to help share information back and forth. Raya is a kind person who wants the best for her clients and very easy to talk to. I love that she would sometimes ask why do I think I made that choice and always reminded me to be intentional with each dollar. She was showing me things I could do with my money that I didn’t even know was possible with a little discipline. Since working with Raya, my net worth increased by almost $10,000…in just over 3 months! During the program, I was able to save $1000 in an emergency fund. I was able to pay for a family vacation. I no longer think of my credit card as extra money to use for spending since I now “pretend” I only have to live on the cash from my paycheck. I know that if I was faced with a $1000 emergency I could cover it without using credit cards. I also believe I would now be capable of building that savings back up a little each paycheck without dipping back in. If you’re thinking of working with Raya, Invest in yourself, invest in the knowledge, and invest in Raya. It will be worth it to have someone who doesn’t judge you or pressure you to spend money because she is interested in helping us meet our financial goals and nothing else!
Before I started working with Raya, I had high credit card debts. I had no budget/structure and I literally was spending money on things that I didn’t need. Since working with Raya, I am now credit card debt free. My credit score is increasing. I am now on a budgeting regimen, so I am spending my money on things needed. I am able to track my spending. I have an Emergency fund and investments set up with money going into it every month. Working on my next goal. Saving to buy my own car. I am now able to make smarter and wiser decisions with my money. If you’re thinking of doing the one-on-one coaching program with Raya, Go for it. Raya is amazing and will give you all the tools needed to be successful. Even when I felt like giving up. She was always encouraging me to keep pushing. When I was hard on myself Raya was always there to say it’s okay. Next time will be better. The program is well worth the money. I really couldn’t have done it without the program. So YES. Go for it. Overall Raya, I just want to say Thank you for everything. Even on my down days you were always there to encourage me. It’s been a short time. But it was well worth it. I can now say one of my goal (debt free) is completed and you set me up for success with my second goal and also my future. Thank you.
Before I started working with Raya, I was overwhelmed with debt and didn't know how to get out. I didn't have a savings plan and my financial knowledge was pretty naive. Once I got started with Raya and the coaching program, I learned how to take control of my money, my decisions, and my life. Raya gave me the tools to feel empowered and make smart choices for my present and more importantly my future. She helped me feel confident about my finances!
Some of the specific results I’ve had during my time with Raya include paying off two credit cards and will pay off an auto loan in just a couple more months. I started a couple savings accounts and a retirement account. I also started tracking all of my spending. Because of that, I feel more secure about my future and I feel empowered and in control. I can now prioritize my spending and I've learned to decipher wants vs. needs.
If you’re thinking about working with Raya, it is such an important investment for yourself and your future. Working with Raya was worth every penny. She truly changed my life! If I could tell Raya anything, I’d say thank you for everything! Thank you for not giving up on me and for being such a badass woman. Your program is amazing and I'm so happy to have worked with you. The tools you provide are life-changing. I loved your coaching program!
I'm nervous and excited to start my venture to being completely debt free. Before I signed up for her budget, I felt overwhelmed and was making a dramatic view in my head on what my finances looked like, but now that I have specific goals written down (in a professional portfolio) I feel confident that I can follow (eek) this budget. I'm so excited and I feel like I don't want to disappoint her because she worked so hard in creating something manageable for me to reach my goals. Here's to being debt free by 2022!!! Thanks again Raya, I look forward to providing you with updates on my upcoming months. Let's do this!!
Before working with Raya, my financial situation was a mess. I was living paycheck to paycheck. It was so odd how things transformed after I signed up for the coaching program with Raya, all these great things started happening. I wrote my first book, paid off a nice chunk of debt, and managed to save a little. Since I started working with Raya, I clearly have extra money each month and now that I can see where it was going, I am able to allocate it to where it actually should go. If you are thinking about signing up for Raya’s coaching program, it is an investment for yourself. Only do it if you are serious about whipping your finances into shape. All in all, I absolutely loved Raya! She didn’t have to ask about things like work or family, yet she did. Her feedback was always honest and realistic, but never brutal.
My favorite part of the coaching program was how much I learned during this process. Raya, you are so knowledgeable and could answer all my crazy questions! As far as my results from the 12 week program, I have more confidence, more knowledge, more money and an overall better understanding of the financial path that I am on! This is just the beginning. What I learned in these last 12 weeks are going to carry me through for the rest of my life. I know have so much more control and better understanding of what is means to be financially responsible and savvy! If you are on the fence about joining Raya’s program…JUST DO IT! You won't regret it one bit! it's worth the money and the time and the effort. Raya, you are amazing, don't ever stop doing what you were born to do, you will always be amazing in my eyes!
Thanks to everything I've learned with Raya I'm on my way to being debt free. With the skills she's taught me I'm confident that I'll never find myself in a bad debt situation again. I now tell my money where to go and don't feel like it's never enough. I'm now intentional with my spending. When I first started the coaching program, I felt like I didn't know where my paycheck went. Now, I know where every dollar I earn goes and it has actually helped me find money in my budget!
My favorite part of the 12 week one-on-one program was the weekly calls with Raya. Having that time to reflect on my spending and come up with a plan of action if I fell off course was crucial to helping me reach my goals. This was also a time to discuss long term goals for retirement and investing which I had questions about.
Raya was amazing to work with and the coaching program is worth every penny. I increased my retirement contributions, paid off a credit card and found extra money in my budget. I no longer need to use credit cards because I now know exactly where my money is going. Raya is great, she provides you with easy but effective strategies. At no point did I feel like I was depriving myself, instead I started to think about what my values are and where I actually wanted to spend.
Raya is super sweet and so easy to work with! Honestly it was a great experience and I like that things could be catered depending on my needs and what we discussed during our weekly calls. Just do it!
Raya created a budget for me and I absolutely recommend it. I haven’t felt relief of my credit card debt for awhile and had so many empty plans of how to overcome this. Raya established a plan, showed me where my money was going, and helped me to see how long it would take to reach my goals. She has many great tools and resources and has provided me with a great network of women who are struggling with the same issues as me. Raya has restored faith in me that I can get out of this and once I do I can create and maintain a better lifestyle all with budgeting and keeping track of my expenses.