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Before I started working with Raya, my finances were disorganized, mismanaged, and my 401k and College Savings investments were not diversified. Once I started Raya’s program, I was able to gain a holistic view of my financial situation, although I was spending lots of money and have credit card debt, with Raya's help I was able to understand that my financial situation is not as bleak as I thought it was.
Throughout the 12 weeks, I was able to pay off a $1400 credit card bill, my 401k and 529 College savings plans increased by diversifying my portfolio all with Raya's guidance and help. This will help me move forward because know I have the knowledge and tools on how to tackle my debt.
The coaching program allowed me to not just look at my financial situation but it also afforded me the opportunity to look at why and how my financial situation was so out of order. I was able to tap into childhood issues and behaviors which helped me understand by spending behavior. Raya is so patient and super positive. Additionally she is so professional she has never ever missed one session and always called on time!
If someone was thinking about working with Raya, I would tell them to definitely go with Raya, while she gave amazing financial advice she also seemed like a life coach with such a radiant, and ultra positive energy and attitude.
Before Raya, my money situation was frustrating and I didn’t have a healthy relationship with money. When working with Raya, we put together a budget that allowed me to have some fun, and her system for tracking my expenses showed me where changes needed to be made. I became more confident with where I was spending/saving my money. I also learned a little bit about investing with discussions of how to increase my Roth and 401k worth without increasing the amount I was contributing. Since working with Raya, My net worth has increased, and I now have a budget I can work with to achieve my future goals. I will be able to see where I can cut back expenses in some areas to reach my financial goals. Considering working with Raya? I would encourage you to sign up! Sometimes a different set of eyes and source of knowledge can be refreshing and the encouragement received helped me get past my own frustration and self-doubt. I liked working with Raya a lot. She gave me tough love when I needed it, but also helped me strategize my finances so I would be able to achieve my goals.
When I started with Raya, I was living paycheck to paycheck. “Saving” money but then using it. I had no discipline. After the coaching program, everything changed. Raya helped me see my downfalls and opportunities for improvement. She encouraged me not just financially but professionally as well. Raya’s advice and guidance has truly changed my life and world for the better. My specific results after working with Raya include: Zero to minimal credit card debt. Credit score increases over 20 points. Savings accounts grew 600%. Overall, I am in a better financial position than I started. I truly needed her help and guidance to get me on the right track. Are you deciding if you should work with Raya? Do it!! You can invest in everyone and everything else. Invest in you, your financial health is just as important. It’s also good to have an accountability partner!
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.