“ I feel a lot more in control and a lot more at ease about my financial situation. Instead of completely ignoring my account balances, I now have ambitious saving goals.”
“Before I started working with Raya, my financial situation was stressful and felt out of control. I felt that since I was making decent money, I could just spend whatever I wanted. This however led to overspending, dread when I checked my account balances and wondering how I was going to afford rent.
After working with Raya, I feel a lot more in control and a lot more at ease about my financial situation. Instead of completely ignoring my account balances, I now have ambitious saving goals. I don’t feel guilty doing the things I love such as getting coffee out, shopping or getting my nails done, because I know they are within my budget. For the first time, I am really excited about where my finances can take me!
Here are some specific wins that came as a result of working with Raya: I have nearly doubled my net worth, paid off a significant amount of debt in 3 months, and have a realistic plan to continue building on all the progress I’ve made in this short time.”
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Prior to starting the coaching program with Raya, my financial situation was all over the place and disorganized. Raya is like a magician! I was not working at a full-time capacity and I was able to save money for rent and still pay all my bills without touching my savings! Working with Raya made me think of my long-term financial goals in a way that I never have before. I knew that budgeting was the best, but since Raya’s program, I now SEE how my financial situation can change and improve with consistent budgeting. My advice for anyone thinking about working with Raya: GIRL, DO IT TODAY!
Before working with Raya, my financial situation was unorganized, overwhelming and stalled. My time working with Raya gave me a clear and organized picture of my finances. My savings has increased and my student loan balance is slowly decreasing. I am clear about my expenses and where my money is going. Having the tools from Raya will encourage me to continue budgeting and tracking my expenses on my own. If you’re considering Raya’s coaching program, definitely do it!! It will put on the right track to get your finances in order. Raya was non-judgmental, caring, informative, encouraging and supportive throughout the entire process.
Before Raya, my financial situation was bad. Low credit score. Constantly in overdraft & in debt maxing out all my credit cards. Once I started working with Raya, I got the structure that I needed with my finances. I'm now accountable for my spending and lost the fear I had with money. I feared looking at my account & now I’m able to save money. Since the program, my credit score has increased so much and I’m now able to be approved for so many things (like my own apartment) now. It's amazing what we accomplished in 3 months of working together. If you’re considering the program, DO IT! It may seem scary at first, but it has been an amazing experience. The changes I went through in 3 months have no price! I was able to clear out 3 credit cards to $0 balance and by next month will clear out another 3 cards & be debt free!! When it comes to Raya, I appreciate her guidance, patience, understanding and her overall wonderful spirited approach to finance. I want her to keep being herself and bringing that honest loving energy that she brings to every call. She is amazing to work with and even when I slipped into my "old ways" there was no judgment, just guidance on how to get back on track. She is real & a beautiful person inside and out!
Before I started with Raya, I was in debt which resulted in me having fair credit, had little to no savings, no money set aside for an emergency fund, no retirement set up and a huge out of control spending habit. Since working with Raya, I felt super motivated to make true positive changes in my financial situation right away. And by tracking my spending daily through her program, I was able to see where my money went and how much. I also discovered the reason behind my uncontrollable spending habits which turned out to be more of an emotional journey than a financial one.
Throughout my time in the program, I have been able to pay down some debt while paying off others, raise my credit score, build up my savings to allow for unexpected emergencies, set up a retirement plan and get my spending under control. Having such awesome results in a short amount of time and knowing that I am capable of such success will help me continue moving forward in achieving financial goals and leave a legacy. If you’ve been thinking of working with Raya, Just. Do. It. It doesn't matter where you start, only that you do start.
Anyone who is considering signing up to work with Raya absolutely should do it! The cost can seem iffy at first, especially when you're already unhappy with your finances - but you're not just paying for Raya's time and skills, you're making an investment in yourself & your finances & honestly in your own future and independence!
Even if you think your finances are already in a good place - and you might be right about that! - you can still learn from Raya. The idea of "money mindset" is super important, and Raya has tips & pieces of the process that apply to everyone regardless of how much debt or savings or confidence or uncertainty you are bringing to the table.
Raya teaches us from a place of success but she has personally done the work already, and it allows her to raise thoughtful points without even a hint of judgment. Raya is also not afraid to ask clarifying questions and be transparent when she has room to learn herself (I am a teacher & our pension system is definitely wonky to an outsider, but once I talked her through it she was able to incorporate it meaningfully and effectively in our planning!)
Before I began working with Raya, my finances were uncertain, and I didn’t have a solid budget in place. While working with Raya, I started having clarity around my monthly spending and was able to increase my overall savings plan significantly. Specifically, I have doubled my savings and I’m able to now see what’s a need versus what’s a want. If you’re on the fence about working with Raya, please do yourself a favor and sign up with her coaching program. She is a great accountability partner that will help you get organized in your finances. This will surely empower one to make better decisions once one sees their financial status. So, no matter what you're going through, START! You won't be disappointed.
Before Raya, my finances felt like a mess. I was always able to manage, but I was not in control. My money controlled me. As I worked with Raya, my understanding of money handling changed. I gained a greater confidence in how I was managing my money. My stress level changed. I realized that I did actually have money to cover all of my expenses, I also could save for my future and enjoy myself. I have been able to dedicate funds toward an emergency fund. I have just hit a milestone of saving $3k since. I am well on my way to becoming credit debt free - FOR GOOD. I have been able to fund a vacation, spend on "fun" things within my means. I have not needed to use credit cards for any of this spending. This is because I have learned to project my spending as well as "look at the numbers" to plan for spending. Doing this has taught me how to prioritize wants and helped me come to the realization that I am not in a place of "lack." It is okay to say NO to a want now because it helps me stay in control of my money and not the other way around. If you’re thinking of signing up for Raya’s coaching program, do it! Seriously, if you are thinking about it, you are more than likely ready to change. That is the most important thing. You have to be ready to invest in yourself. It will be challenging, but that willingness will help you to push forward. Working with Raya will help you think differently about finances, get comfortable "talking and thinking" about money, and build your confidence, not just financially but overall.
Before I started working with Raya, I had a lot of credit card debt and hardly any savings. Raya helped guide me to pay off my credit card debt. She also taught me how to budget and begin increasing my savings. The biggest result from working with Raya is paying off my credit card debt. I have been trying to do it for years and never had a good method. Additionally, I have learned to budget and will continue to use the spreadsheet that she helped create with me to stay on track each month with my financial goals. Thinking of working with Raya? Just go for it! It's an investment for yourself that pays off in the end. If you feel overwhelmed with your finances like I did, you have to make a change eventually and Raya helped get me on track! Raya you are amazing and I am so glad I found you! You were so helpful, kind, and knowledgeable which is just what I needed because I am not knowledgeable when it comes to money. Thank you so much for helping me with my financial goals!
Before I started working with Raya one-on-one, I was living paycheck to paycheck and increasing my debt. After working with Raya, I made the following transformations: Huge debt payoff, more incoming cash flow and much more inner peace. Since I’ve been able to pay off so much debt, I have more spending money and more money to continue to pay down the remaining debt. If your finances are a mess and you need and want help to turn the ship around and head in the right direction, I highly recommend Raya’s coaching program. It’s worth every penny!
Before I started working with Raya, my financial situation was stressful and felt out of control. I felt that since I was making decent money, I could just spend whatever I wanted. This however led to overspending, dread when I checked my account balances and wondering how I was going to afford rent.
After working with Raya, I feel a lot more in control and a lot more at ease about my financial situation. Instead of completely ignoring my account balances, I now have ambitious saving goals. I don't feel guilty doing the things I love such as getting coffee out, shopping or getting my nails done, because I know they are within my budget. For the first time, I am really excited about where my finances can take me!
Here are some specific wins that came as a result of working with Raya: I have nearly doubled my net worth, paid off a significant amount of debt in 3 months, and have a realistic plan to continue building on all the progress I've made in this short time.
Without a doubt, sign up to work with Raya, and do it NOW. I followed City Girl Savings on social media for almost a year before I reached out. I was definitely intimidated by the price tag associated with one on one coaching, but even more, was ashamed to admit I "needed help". After finally deciding to make the investment, I wish I would have started sooner- I would be almost a year further in my goals! After the initial call with Raya, I knew it would be the right program for me because of the way she was so nonjudgemental, it really helped put me immediately at ease. Another huge factor is Raya didn't come in and try to radically transform my lifestyle. In fact, my lifestyle stayed very similar to how it was, just with a lot more intentionality (and less impulse Amazon and Target shopping). I was still able to eat out, get my nails done, and shop, but this time guilt-free because I knew I was sticking to the bounds of my budget.