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

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 your financial situation! Recent City Girl Savings coaching graduate, Vanessa Garcia is a Gen-X Latina out of New York City. Today, she shares her financial coaching experience and how it changed her life. Through tailored guidance, resources, and acc...

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 need a little inspiration! From using GoodRX for all your prescriptions, to utilizing credit card benefits, today I'm sharing 18 different ways you can save. Let's get started! Here's a glance at this episode: [02:09] The credit cards that I love to use...

The paycheck-to-paycheck lifestyle can be incredibly hard to get out of.  Unfortunately, living this way leaves no room for emergency expenses or error. Let's break free of this cycle together, taking it one month at a time! We'll look at how to create your budget, what to include, and getting clear on all your monthly expenses.  Break out of the paycheck-to-paycheck living with tools from today's...

"Financial Feminist" has become an increasingly popular and widely used term these past few years, but what does it actually mean? Kara  considers herself a proud "financial feminist" and explains what it means to be one. Learn about the role society plays in women and POC's money decisions. D iscover how to prioritize your well-being and how non-POC can help promote financial equality. This episo...

HerMoney founder Jean Chatzky did a study on the correlation between financial organization and being financially well off. She  found that 72% of the financially organized were financially well off. That's more than enough reason for to get a financial filing system in place! Learn about document timelines, filing options, and protecting your documents. Being organized puts you more in control of...

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 Lea Landaverde. Lea shares grew up in an immigrant family with money burdens put on her at a young age. Hear  her perspective on the role society plays in keeping minority people oppressed, and what those people can do to start changing their situatio...

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 because society is heading in that direction doesn't mean that starting a business is for everyone – and that's okay! There are a few questions you can ponder over to decide if starting a business really is the right move for you. Is there's anything y...

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 mindset many years ago has helped me feel the happiest I've ever felt.  Specific mindset shifts can have a positive impact on not only your life, but also what you do with your money. If you're not sure where to start, this episode can make all the diffe...

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 to manage that money properly. When you know you can afford to spend money on fun things, you won't feel bad for doing so.   Here's a glance at this episode: [01:25] Learn to take the emotion out of budgeting. A budget is simply a tool that provides y...

Jennifer Hill, founder of The Hill-Top Services, founded her virtual assistant company to help small business owners and entrepreneurs. Jennifer talks about what prompted her to start her business and become a full-time entrepreneur,  tips and tricks to make routines a breeze and  some of her favorite resources for the systems in her own life and business. Hint: she's big on writing things down! T...

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 always the case.  In fact, I had gotten myself into tens of thousands of dollars in debt multiple times.  It took years and thousands of dollars to undo the damage. Today,  I'm sharing some of my biggest takeaways from the experience. Here's a glance a...

I'm not a millionaire…YET! But, it's something I'm actively working on and it's something that is realistic for everyone. I t may be harder for some people compared to others, but it is possible. There are 8 steps that everyone can take to work towards millionaire status. Step 1: Affirm your million-dollar savings goal. Step 2: Reduce your negative "profit margin". Step 3: Live a life of frugality...

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 you to look up and realize that you've achieved or you're working to achieve everything you want out of life. Here are seven questions to ask yourself to determine what you want. Here's a glance at this episode: [01:53] First question to ask yourself i...

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 hacking to fly her and her mom to London, at no cost. She used it to travel business class from Amsterdam to Texas to attend FinCon. Every time she flies, it's on points. Elina shares her tips for racking up the most points possible in preparation. Eli...

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 inspired by the future and what could be, essentially visualization. Visualization is your ability to imagine things and see it in your mind. It  doesn't necessarily tell you HOW to get to what you're visualizing, but it does open your mind to what's...

Have you ever had a dream but your fear of failure kept getting in the way? When I decided to pursue City Girl Savings full-time fear reared its ugly head.  I sought out the skills, tools, and resources I needed to not allow fear to stop me. Reading "The Power of Now", journaling, asking questions and truly seek the answers, and d aily affirmations are powerful resources for me. Journaling about m...

February is Black History Month, so I want to shed light on some individuals in the finance space who constantly inspire me.  These individuals are all people of color too! Tonya Rapley is the founder of My Fab Finance, Club Loofah and the non-profit organization Maternal Health and Education Project. Carter Cofield is a CPA and founder of Cofield Advisors. He helps creatives reach financial succe...

While I don't think investing in the stock market is the only way to build wealth, I think it's one of the best ways to build wealth! Today's guest is Andre Albritton of The Millennials Next Door and he's going to share how anyone, regardless of their income situation, can get started with investing! Learn what got Andre  started in investing and how he turned it into a growing side hustle. Andre...

City Girl Savings just celebrated its 7 th birthday! T here were plenty of ups, downs, and everything in between. Let's look at some some of the life changing and valuable lessons learned along the way! 10 Top Lessons Learned #1 – Be open to change! #2 – Grind through the slow times. #3 – You never know when the next sale is coming. #4 – Don't be afraid to let go of some responsibility. #5 – No on...

Before City Girl Savings, there wasn't anything I wouldn't spend my money on. I would constantly be out shopping. After facing a potential eviction, I was forced to get my spending in check.  There's a different level of drive when you're forced to do something! I learned that I'm a natural-born spender, so I have to always be mindful and prioritize what's important.  I shifted my focus to the thi...

Whether you're a person of color or not, there are things we can all do to lift up and support those who need it more than others. In today's episode we'll look at: The severity of racial inequality and its financial impact. Why people of color stand at a disadvantage, whether it's the working class or business owners. How you can make more inclusive financial decisions and make a difference to th...

The way you think about things determines how you feel and react to those things.  Those reactions, whether they're good or bad, determine your outcome and results. Most of the population isn't aware of how they think, so if that's you, we're changing it as of right now!  I'm going to share my favorite mindset tips and how to counter negative thoughts with positive ones. Here's a glance at this ep...

There's no denying it – there's a stigma around budgeting. The truth is though, a  budget is simply a tool that tells you what money is coming in, what money is going out, and what money is left over. In today's episode, learn how to reframe your view of a budget and harness it to create financial freedom. Take control of your money and make great things happen! You can download my free Monthly Bu...

Did you know that planning your life and your money go hand in hand!? Alaina Fingal is an accountant, certified financial coach, author, and founder of The Organized Money. She has made it her mission to help people plan a life they love! Alaina  will help you identify the things that matter most to you! Learn how to leverage a "hybrid" approach to planning – using both digital and physical resour...

Welcome to The City Girl Savings Podcast, a weekly discussion focused on the intersection of money and the city girl lifestyle! On the podcast I'll be sharing my experiences, advice and guidance on navigating life and money as a city-loving millennial trying to build wealth and enjoy life at the same time! Like most people, I didn't learn about money and finance until I experienced it for myself. ...