City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women
Episodes
5 Ways a Type A Personality Stays Organized
22 Jan 2024
Contributed by Lukas
"Hi, I'm Raya and I'm a recovering structure addict". Like most Type A individuals, I thrive on structure, organization, and time-specific tasks. Unfo...
The Major Signs You Need Help Managing Your Money
15 Jan 2024
Contributed by Lukas
Let's be real. Finances are still a very personal topic. While we've made strides towards having open money conversations, we have a long way to go. S...
6 Next Level Habits I'm Adding to My Life
08 Jan 2024
Contributed by Lukas
Have you ever felt like you're on the verge of breaking through to the next level? Almost as if you've mastered everything you can master at this poin...
Adding Investing to Your Money Goals with Marc Russell of BetterWallet
01 Jan 2024
Contributed by Lukas
It's 2024 and if you haven't started investing, in any way, shape or form, then let's make this year the year you add investing to your money goals! W...
Christmas as a Money Coach: What I Give and Ask For
25 Dec 2023
Contributed by Lukas
Happy Holidays! Have you ever wondered what a money coach gives and asks for Christmas? Well, you'll learn today! While I love every holiday following...
My Personal and Business Goals for 2024
18 Dec 2023
Contributed by Lukas
You may remember I did an episode at the end of 2022, sharing my personal and business goals for 2023. I got such great feedback on that episode, that...
5 Signs You Shouldn't Be as Broke As You Are
11 Dec 2023
Contributed by Lukas
While the statistics vary, it's believed that 55 to 63 percent of Americans are living paycheck to paycheck. Plus, One-third of U.S. consumers say the...
Creating Your Brand, Content and More with Milou Pietersz
04 Dec 2023
Contributed by Lukas
Brands aren't just for businesses and business owners. We all have a personal brand. Whether we work for ourselves, work for a company, or don't work ...
6 Ways Gratitude Leads to a Richer Life
27 Nov 2023
Contributed by Lukas
If you practice gratitude on a regular basis, then you know that things will always be okay. No matter how bad something is, there's this light at the...
Adversity Breeds Resilience: How I Handle Hard Times
20 Nov 2023
Contributed by Lukas
Just 3 months before you're listening to this episode, my sweet, kind, genuine mom, my last parent passed away. She had been terminally ill for years ...
Celebrating 100 Episodes: Raya's Favorite Episode Roundup
13 Nov 2023
Contributed by Lukas
O.M.G! I can't believe we've reached 100 episodes of the City Girl Savings podcast! First off, where does the time go?! Second, I'm so glad I bit the ...
Financial Coach versus Financial Advisor with Grace Kilgore
06 Nov 2023
Contributed by Lukas
Because the coaching industry is so new, it's no surprise that most people assume they need a financial advisor, instead of a financial coach. I've be...
8 Money Goals to Set for the New Year
30 Oct 2023
Contributed by Lukas
There's no denying the power of setting money goals…any goals for that matter. Goals keep us motivated. Goals give us something to work towards. Goa...
How to Give Your Budget a Makeover
23 Oct 2023
Contributed by Lukas
Do you always start the month with a new budget and high hopes, only to forget about it a few days later? Is your problem sticking to the budget inste...
10 Things You Can Do to Finish the Year Off Strong
16 Oct 2023
Contributed by Lukas
I think there's so much emphasis on improving your life in preparation for or at the start of a new year. While I'm not mad about it (the Virgo in m...
Why You Need to Start Planning Next Year's Goals Now
09 Oct 2023
Contributed by Lukas
We're in the final quarter of the year and before we know it, 2024 will be here. While we still have over 2 months before the new year, the time to st...
Sticking to Your Grocery Budget with Rachel Coons
02 Oct 2023
Contributed by Lukas
One budget category that usually gets us all in one way or another is the Grocery category. With rising costs of food, the urge to ditch the ingredien...
9 Frugal Habits to Implement Now
25 Sep 2023
Contributed by Lukas
Money management is one of the most important skills a person (especially a woman) can have, but it's often never learned and properly utilized. It's ...
Easy Ways to Live Within Your Means
18 Sep 2023
Contributed by Lukas
A common trend in the personal finance community is the notion of living below your means. Meaning, you're able to live on less than what you make. Mo...
35 Money Lessons I Learned by 35
11 Sep 2023
Contributed by Lukas
By the time you're hearing this episode, I'm a newly aged 35-year-old woman. My year from 34 to 35 has been one of tremendous growth. Not from a busin...
How to Be Happy with Frugal Living with Vee Frugal Fox
04 Sep 2023
Contributed by Lukas
I think there's a common misconception that if you're frugal, you're cheap. You don't spend money on things you enjoy and you never leave the house. N...
Master Your Money Like a Pro
28 Aug 2023
Contributed by Lukas
News flash: You don't have to make a lot of money to be good at managing it! In fact, if you can master managing money with less income, you can make ...
How to Get Comfortable with Being Uncomfortable
21 Aug 2023
Contributed by Lukas
Great things happen outside the comfort zone, unfortunately it doesn't always feel good there. Being uncomfortable is the first step to change…and c...
Big Signs Your Budget Isn't Working and What to Do Next
14 Aug 2023
Contributed by Lukas
You've taken the steps to actually get your budget created, but now that you have, you realize that it just isn't working. Don't give up! The truth is...
Home Buying 101 with Realtor Coco Massara
07 Aug 2023
Contributed by Lukas
One of the most common goals I see across the City Girl Savings community is home ownership. People reach out to me sharing they want to own a home on...
Mindset Matters: Abundance versus Scarcity
31 Jul 2023
Contributed by Lukas
When it comes to your finances, it (literally) pays to have the right mindset. How you think about your money determines how you act with your money. ...
Why You Need to Pay to Get Better with Money
24 Jul 2023
Contributed by Lukas
Why should I pay to get help with my finances when there are plenty of free or low-cost options available? Since I'm a coach that specializes in helpi...
How to Live Your Best Life this Summer
17 Jul 2023
Contributed by Lukas
Ah, summertime. Beach days. Long nights. Sun rays. Maybe it was the fact that summer vacation when we were little was a great time, but even as an adu...
Mid Year Personal and Business Goals Check In
10 Jul 2023
Contributed by Lukas
When it comes to your goals, you can't just set them and forget them. You have to check in on them and make sure you're on track. If you're not on tra...
Manifesting Money, Trips and More with CGS Client Tymika
03 Jul 2023
Contributed by Lukas
I can't quite explain it, but every time a new client joins my coaching program and vows to truly change their money situation, God, the Universe, or ...
8 Things Everyone Should Be Saving For
26 Jun 2023
Contributed by Lukas
Everyone knows they should be saving money, but most people don't take it a step further and specify what that savings should be for. I've worked with...
Easy Ways for Spenders to Start Saving Money
19 Jun 2023
Contributed by Lukas
Here's the thing: some people are just natural-born spenders. Give them some money and POOF! It's gone! But anyone can change their ways…heck, if I ...
Setting the Record Straight on Sinking Funds
12 Jun 2023
Contributed by Lukas
I'm sure you've heard the term "sinking funds" before, and if you haven't, you'll definitely learn today! Sinking funds are individual saving strate...
Behind the Scenes of the CGS Team
05 Jun 2023
Contributed by Lukas
You see the thriving City Girl Savings community of thousands, the pretty website full of blog articles and money resources, and the sweet words from ...
Breaking Down My Savings Accounts and Strategies
29 May 2023
Contributed by Lukas
I've been budgeting and saving for many years. With that comes picking up on tips and tricks, and learning what strategies work and don't work. I'm a ...
Stop Putting Off Improving Your Situation
22 May 2023
Contributed by Lukas
Unhappy with your life? Disappointed by your diet? Wishing you had more money? If things aren't going the way you want them to, I hate to break it to ...
My Favorite Affirmations for Money, Happiness and More
15 May 2023
Contributed by Lukas
I started using affirmations in 2018 after I made the decision that I wanted to run City Girl Savings full-time. When I tell you there is a night and ...
Why You Should Start a Business with a Day Job
08 May 2023
Contributed by Lukas
Have you been wanting to start a business, but you struggle to decide if you can do it with your day job? Starting a business is a huge deal, but it d...
Student Loan Payments, Forgiveness and More with Nika of Debt Free Gonna Be
01 May 2023
Contributed by Lukas
By the time you're listening to this episode, we're about a month away from the federal student loan payment pause ending. With the federal student lo...
7 Ways to Invest in Your Personal Success
24 Apr 2023
Contributed by Lukas
Tony Robbins once said, "if you're not growing, you're dying". What he means is that if you are not working to improve your life, in any area, you're ...
My Budget Non-Negotiables
17 Apr 2023
Contributed by Lukas
I've preached the importance of budgeting for a long time. Let me just state for the record that I will continue to preach the importance of budgeting...
Things You Can Do to Improve Your Financial Literacy
10 Apr 2023
Contributed by Lukas
Did you know April is Financial Literacy Month? While I think financial literacy should be a focus each and every month, it's nice to know the need fo...
Saving Six Figures in Your 20s with Carly of Best Money Class Ever
03 Apr 2023
Contributed by Lukas
When I was in my twenties, just the thought of saving six figures seemed out of reach. I was too busy cleaning up my bad money mistakes from my colleg...
5 Wealth Building Secrets Women Need to Know
27 Mar 2023
Contributed by Lukas
Wealth doesn't have to stay with the old, white men of the world. In fact, now more than ever, women and people of color are breaking down all kinds o...
Why Your Happiness Should Be First Priority
20 Mar 2023
Contributed by Lukas
I see it all the time – whether it's my clients, my friends or myself, we're constantly putting other people's needs and feelings above our own. Whi...
How Traveling Feeds My Soul and Keeps Me Motivated
13 Mar 2023
Contributed by Lukas
It's no secret that I love to travel. If you've been in the City Girl Savings community for a while, then you know that traveling is high on my priori...
Becoming a Virtual Assistant with Shatoria of Coin Countin Mama
06 Mar 2023
Contributed by Lukas
If you've been wanting to dip your toe into the digital waters, becoming a virtual assistant (also known as a VA) can be a great way to do so. That's ...
How to Financially Prioritize Your Needs and Wants
27 Feb 2023
Contributed by Lukas
There is a big difference between needs and wants, and it's a huge assett to know what that is for you! Sacrifice is a big piece. Reaching financial ...
9 Ways to Manifest More Money into Your Life
20 Feb 2023
Contributed by Lukas
Plenty of people consider manifesting as "woo woo"…until they've experienced the magic themselves! Manifesting is essentially, willing something to...
What Prioritizing Self-Care Looks Like for Me and My Budget
13 Feb 2023
Contributed by Lukas
Health is wealth. Seriously, if we're not healthy, it doesn't matter how much money we have, we won't be able to fully enjoy it. One way to make sure ...
Career Goals, Negotiating and More with HR Rep & Career Coach Lexi of Work Sugar
06 Feb 2023
Contributed by Lukas
No matter where you work or what you do, there's always bigger goals to be set and more money to be made. This was true for me during my 11 years work...
10 Things to Do Now to Be Richer Next Year
30 Jan 2023
Contributed by Lukas
Building wealth is a life-long process. It never ends. That's a good thing. It means anyone can achieve financial success as long as they work towards...
My Daily Morning Routine for Boosting Productivity
23 Jan 2023
Contributed by Lukas
I've had some sort of morning routine my entire life, though not intentional until after I graduated college. Having a morning routine has played a hu...
How to Spark Inspiration Within Yourself
16 Jan 2023
Contributed by Lukas
Have you wanted to travel, start a business, or take up a new hobby but found yourself lacking inspiration? Don't wait for some unknown thing to bring...
5 Money Routines to Implement for Next Level Growth
09 Jan 2023
Contributed by Lukas
Aristotle once said, "We are what we repeatedly do." If this is true, then how we go about our days and the habits we put in place play a big role in ...
Tackling Taxes with Confidence with Duke Moore
02 Jan 2023
Contributed by Lukas
For most people, the thought of tax season is daunting – especially if you don't understand what makes the most sense for your situation. From a per...
How to Complete Your Year End Money Review
26 Dec 2022
Contributed by Lukas
If you're listening to the City Girl Savings podcast in real-time, then you may have noticed a theme in the past few episodes – wrapping up the curr...
My Personal and Business Goals for 2023
19 Dec 2022
Contributed by Lukas
During the last quarter of every year, I like to sit down and set my personal and business goals for the next year. I reflect on goal progress and use...
How to Financially Prepare for the New Year
12 Dec 2022
Contributed by Lukas
2023 is fast approaching! If I'm being honest, I absolutely LOVE this time of year. The New Year can be so inspiring and motivating. It's the best ti...
Fearlessly Chasing a Life You Love with Madison Anaya
05 Dec 2022
Contributed by Lukas
Life is incredibly short. We get this one chance to make it as amazing as possible. I've done a lot of soul-searching in my life – and become very c...
10 Goals to Make the Most of Your Life in the New Year
28 Nov 2022
Contributed by Lukas
Life goes by faster than we expect, which is why I always try to make the most of my time. I think setting and working toward goals is a great way to...
Mistakes to Avoid When Paying Off Debt
21 Nov 2022
Contributed by Lukas
Coming from the girl who's gotten herself into and out of debt multiple times, I know a thing or two about the debt payoff process. Could now be the t...
Applying Profit First to Your Life and Business
14 Nov 2022
Contributed by Lukas
I read Profit First back in 2018 and it completely changed how I managed my business finances. The beauty of Profit First is that it's centered aroun...
Estate Planning for Millennials with Attorney Crista Hermance
07 Nov 2022
Contributed by Lukas
There's a misconception among young people that there's no need to do any form of estate planning. As tough as it is to think about our untimely passi...
The Spooky Reality of Millennials and Money
31 Oct 2022
Contributed by Lukas
Halloween is one of my favorite holidays! From Hocus Pocus to pumpkin spice lattes there are lots of fun and festive things to focus on, but there ar...
How to Prep Your Budget for the Holidays
24 Oct 2022
Contributed by Lukas
Are you ready for the holiday season? It's just around the corner and the earlier you can start planning, saving and preparing for, the better. The h...
Why You Need to Think About Retirement Now
17 Oct 2022
Contributed by Lukas
To all my millennial friends out there, the time to start thinking about retirement is now. And actually, that goes for everyone! Trust me, I get it –...
6 Negative Thoughts Hurting Your Money Situation
10 Oct 2022
Contributed by Lukas
I'm a firm believer in the power of the mind. Think positive and positive happens. Think negative and negative happens. Whether you believe in the po...
Budgeting as a Single Mom with Dyana from Money Boss Mama
03 Oct 2022
Contributed by Lukas
I'm not a mama…yet. I mean, who knows what the future holds. However, if I were a mom, I suspect my budgeting practices would be taken up a few notc...
Pulling Back the Curtain and Getting Intimate
26 Sep 2022
Contributed by Lukas
I'm actually a very private person. I've had this subconscious guard up for as long as I can remember. In today's episode, I'm challenging myself t...
5 Reasons to Try a Savings Challenge
19 Sep 2022
Contributed by Lukas
If you take a second to think about it, challenges can be extremely effective! You have someone guiding you through. You have other people participati...
How to Stay in Budget While on Vacation
12 Sep 2022
Contributed by Lukas
Honestly, there's no better feeling than taking a vacation, not worrying about money and coming home knowing your bills are taken care of. I've experi...
Money and Mental Health: A Real Conversation with Lisa
05 Sep 2022
Contributed by Lukas
Mental health is a serious matter, and it's an incredibly hard topic to talk about. There is also a direct correlation between money and mental healt...
How Practicing Delayed Gratification Sets You Up for Financial Success
29 Aug 2022
Contributed by Lukas
Delayed gratification is the ability to say "no" to current wants in the present in order to say "yes" to true desires for the future. Essentially, i...
Putting More of You Into Your Branding
22 Aug 2022
Contributed by Lukas
Believe me when I say nothing sells better than YOU! I used to hide behind the City Girl Savings brand. Instead of putting my name and face out there...
Breaking Free of Broke Once and For All
15 Aug 2022
Contributed by Lukas
I need to stress something for a second… being "broke" is not something anyone should speak into their life. We are what we think about, and if we'...
How to Be Intentional with Your Money
08 Aug 2022
Contributed by Lukas
At the end of the day, it's not about how much money you make…it's about how intentional you are with your money. A person who makes a lot but spend...
Leveraging Social Media to Your Advantage with Ebony Smith
01 Aug 2022
Contributed by Lukas
Social media has been a true game changer! In fact, there's a whole industry around influencer marketing that has made regular people very wealthy. Wh...
Why You Shouldn't Focus Too Much on Your Credit Score
25 Jul 2022
Contributed by Lukas
At some point in time or another, most of us have been obsessed with looking at our credit score. Thanks to Credit Karma or monthly score tracking, ke...
How I Combat the Competition Mindset
18 Jul 2022
Contributed by Lukas
With the rise of social media, we have a direct line of sight into the lives of our favorite celebrities, influencers, and even our peers in life and ...
Vacation Planning on a Budget
11 Jul 2022
Contributed by Lukas
If you're like me and love new experiences or visiting new places, then this episode if for you! I've learned over time that I find so much joy explor...
Recognizing and Embracing Life's Pivots with Bailey Lang
04 Jul 2022
Contributed by Lukas
My life did not go according to my original plan. But you know what? I'm not alone! A lot of people experience unplanned changes. Being able to reco...
How to Stop Holding Yourself Back with Money
27 Jun 2022
Contributed by Lukas
Do you feel like you should be further along in your financial journey or wishing your money situation was different? Not to sound too harsh but, wha...
Make Money Breakthroughs Possible with These 3 Things
20 Jun 2022
Contributed by Lukas
Have you been struggling to get to the next level in your finances and finally break free with your money? I firmly believe there are 3 things EVERYO...
7 Money Management Rules that Changed the Game for Me
13 Jun 2022
Contributed by Lukas
I've been in the personal finance game for a long time, and I have plenty of experience with what does and doesn't work. There are certain money mana...
How Financial Coaching Changed her Life with Vanessa Garcia
06 Jun 2022
Contributed by Lukas
Agreeing to get financial coaching can be really difficult, maybe even scary. However, I invite you to try seeing it as an investment to improving yo...
18 Ideas to Save More Money
30 May 2022
Contributed by Lukas
Saving money isn't just putting money in a piggy bank! In fact, there are so many different ways you can cut back on spending. Sometimes, we just nee...
How to Get One Month Ahead on Bills
23 May 2022
Contributed by Lukas
The paycheck-to-paycheck lifestyle can be incredibly hard to get out of. Unfortunately, living this way leaves no room for emergency expenses or erro...
What It Means to Be a Financial Feminist with Kara Perez of Bravely Go
16 May 2022
Contributed by Lukas
"Financial Feminist" has become an increasingly popular and widely used term these past few years, but what does it actually mean? Kara considers her...
Setting Up Your Own Financial Filing System
09 May 2022
Contributed by Lukas
HerMoney founder Jean Chatzky did a study on the correlation between financial organization and being financially well off. She found that 72% of the...
Breaking Generational Money Curses with Lea Landaverde
02 May 2022
Contributed by Lukas
I don't know about you, but I wasn't part of the elite few who learned how to manage money at an early age. I had to learn the hard way, and so did L...
Is Starting a Business Really for You?
25 Apr 2022
Contributed by Lukas
After COVID-19, our society has seen a huge spike in people quitting their day jobs and starting side hustles or new business altogether. But just be...
5 Mindset Shifts that can Change Your Life and Money
18 Apr 2022
Contributed by Lukas
While we can't control outside factors, we can control how we think and react to things that happen in our lives. Making the shift to a positive mind...
Why Your Budget Should Always Include the Things You Love
11 Apr 2022
Contributed by Lukas
A budget is the number one tool for financial success. No matter how much money you make, or how little money you make, you absolutely need a budget t...
The Power of Systems in Life and Business with Jennifer Hill of The Hill-Top Services
04 Apr 2022
Contributed by Lukas
Jennifer Hill, founder of The Hill-Top Services, founded her virtual assistant company to help small business owners and entrepreneurs. Jennifer talks...
My Debt-Free Story and the Biggest Takeaways Along the Way
28 Mar 2022
Contributed by Lukas
Did you know millennials carry an average credit card debt amount of about $4,600? I'm proud to say that I'm credit card debt-free, but that wasn't al...
Mapping Your Path to Millions
21 Mar 2022
Contributed by Lukas
I'm not a millionaire…YET! But, it's something I'm actively working on and it's something that is realistic for everyone. It may be harder for some ...
7 Questions to Ask to Determine What You Want Out of Life
14 Mar 2022
Contributed by Lukas
When you feel like you have a sense of purpose in your life, you wake up each day full of gratitude and a fire to work towards that purpose. I want yo...
An Introduction to Travel-Hacking with Elina Geller of The Miss Miles
07 Mar 2022
Contributed by Lukas
Elina Geller of The Miss Miles is a travel rewards coach who helps women travel the world in luxury, for next to nothing! Elina herself used travel ha...
The Power of Visualization to Help You Reach Your Goals
28 Feb 2022
Contributed by Lukas
A few years ago, I took the Strengths Finder test to have a better understanding of myself. One of my top strengths is "Futuristic". This means I'm i...