City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

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 you…but sitting around and complaining isn't going to help. Whatever area (or areas) of your life you're unhappy with, it's time to do something about it. Stop putting off improving your situation because time is of the essence. The longer you prolon...

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 day difference between how I thought then and how I think now, affirmations are what took me to the next level. The thing about affirmations is that they aren't just words you say out loud. They are beliefs you want to be true about yourself or your...

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 doesn't have to be a hard process! I started City Girl Savings when I had a full-time job in corporate America. I'm not going to lie to you and say it was easy managing both, but it gave me time to grow my business without having to worry about how my...

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 loan debt forgiveness program in the throws of legal and political battles, millions of borrowers will be forced to begin payments. I've been working with my clients to help prepare their budgets for the added expense, but not many have that luxury. To...

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 staying still. When the mind settles for what is, nothing more comes. That doesn't sound good to me. What about you? We must continue learning to continue growing. There are so many ways to do that, but it all starts with investing in your personal s...

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 for as long as I'm able to! Budgeting changed my life for the better and now I'm helping other people use budgeting to change their own lives. Unfortunately, there's still a misconception that life on a budget means a person can't enjoy life. Not tr...

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 for financial education is being acknowledged. What steps are you taking to become more financially literate? I don't know about you, but had I been financially literate earlier in life, maybe I wouldn't have struggled so much with debt and overspendin...

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 college days! Some people have to crawl before they walk. Others can sprint to the finish line. Regardless, everyone has to take the first step forward. Whether saving six figures in your twenties sounds like a pipe dream, or you've already moved into the...

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 of wealth barriers.  Although our society isn't yet at a place where wealth is evenly distributed, it doesn't mean we shouldn't strive for it! In fact, that's more of a reason to strive for it! In this episode, I'm sharing 5 not-so-secret secrets to b...

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. While both men and women do this, it's especially prominent in women.  We make sure everyone else is okay, leaving our own happiness on the backburner. At the end of the day, I firmly believe that our own individual happiness should be a top priority.  Th...

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 priority list. There's something exciting about going somewhere new – experiencing a place you've never seen before! In this episode I'm sharing how traveling feeds my soul and keeps me motivated to work hard and reach my goals. I also share a few reasons...

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 why I'm so excited to talk with Shatoria of Coin Countin Mama about what it means to be a virtual assistant and how anyone can get started. There's a lot of benefits that come from the online space, so why not get a piece of the pie? Shatoria shares...

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 success means you put the most important things first, and the rest comes later.  If you haven't been able to financially prioritize your needs and wants, or if you feel like your wants have always come first, it's time to change things up!  In this e...

Plenty of people consider manifesting as "woo woo"…until they've experienced the magic themselves!  Manifesting is essentially, willing something to be based on how you think and act, or  to think and act as if you have something, before you have it.  It may seem a little out there, but bear with me and give it a try! In this episode, I'm sharing 9 tips to manifest more money into your life. Manif...

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 you stay mentally and physically healthy is by prioritizing self-care.  This is different for everyone, but in today's episode, I'm sharing what prioritizing self-care looks like for me and my budget.  These startegies can then be applied to your own...

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 working in Corporate America, and sharing more on the how and why this is true is corporate HR Rep and Career Coach Lexi of Work Sugar.  In this episode, Lexi and I are talking about setting career goals, making career shifts, and negotiating tactics! Ge...

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 it.  However, the earlier you start planning and doing the right things with your money, the earlier you will achieve the wealth you are looking for. Since we can't change the past (and erase all of those bad financial decisions), we need to focus o...

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 huge role in my productivity. In my morning routine, I do things that will help my future health, finances and goals. In this episode, I'm sharing my current daily morning routine, from a personal and business standpoint, and how it gives me clarity an...

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 you motivation, spark creativity within yourself! There's no better time than the New Year to get yourself motivated to reach goals, venture into the unknown, and ultimately make positive life changes! In this episode, I'm sharing a few ideas to hel...

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 who we are and what we accomplish. If our consistent actions aren't in line with our goals, we may feel discouraged and defeated. Instead, setting effective routines can ensure we work towards the things we want, especially with money. In this episod...

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 personal perspective, my tax situation is relatively simple, so TurboTax has always done the trick…not so much from a business perspective. That's why I'm so excited to talk with Duke Moore of Duke Loves Taxes about how entrepreneurs, content creators and...

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 current year and preparing for the New Year! Year-end closes and new year-starts have made a huge difference in reaching my goals, and these practices can help you too!  In this episode, I'm walking you through understanding and completing your very own ye...

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 the information to adjust and set my goals for the new year. Whether I reach my goals or not, I always continue setting goals to work toward. As we approach 2023,  I'm sharing my personal and City Girl Savings' goals for 2023.  Tune in as I put my n...

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 time for a fresh start and to get your  momentum flowing!  In this episode, I'm walking you through the things you can do to financially prepare yourself to make the most of the this season! Here's a glance at this episode: [02:16] Getting clear about...

Life is incredibly short. W e 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 clear on what I want my life to look like.  Every day, I make a conscious decision to do things that help me get closer to that dream life.  Another woman doing the same is Madison Anaya of the Fearless Chase.  In this episode, discover how you too can...