The City Girl Savings Podcast

Pursuing Productivity with Non-Profit CEO and CGS Client Tiffany Tate

Is it just me, or does life almost seem to feel like one big balancing act? Between work, school, kids, families, partners, relationships, businesses, finances, and health, the older we get, the more we need to manage. I personally don’t think things will always be 100% in balance, but I do believe women can achieve the productivity results they want, without feeling like something has to give. That’s why I’m so excited to talk with Non-Profit CEO and CGS Client Tiffany Tate today about pursuing top-tier productivity. Let me stress that high-level productivity isn’t about being perfect, it’s about making it all work for your world. If you struggle with the balancing act of all areas of life, you don’t want to miss this conversation.   Here's a glance at this episode: [03:05] Tiffany shares that while life is what led her to becoming a go-getter, she does feel like she recently learned how to work smarter, not harder. [12:08] Being guilt-oriented has made it hard for Tiffany to follow traditional routines and habit ideologies. Instead, she shares what works for her. [21:50] Tiffany shares how compartmentalization has helped her power through and grow professionally, but offers words of caution. [34:37] Lessons, not losses. Tiffany shares that you must move forward with your decisions and learn from those that could be perceived as mistakes. [42:27] Instead of focusing far into the future, when thinking about goals, identify what needs to be fixed or worked on now.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Follow Tiffany on LinkedIn Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

Mind Over Money: How a Healthy Mindset Fuels Financial Success

Part of my success in life has been attributed to seeing what I want and believing it’s possible for me.  Having a vision of what I want, where I want to be, or who I want to be has helped me do what I need to on a day-to-day basis to get there. Seeing is believing, so if you can’t see yourself achieving your goals, you’re much less likely to actually reach them. The mind is a beautiful thing. If you start picturing yourself already having what you want, your brain will function to do things that will help you get there. In this episode, I’m sharing how a healthy mindset fuels success and some ways you can foster a healthy mindset to reach your financial goals. Financial success is possible, and you need to believe it before you achieve it!   Here's a glance at this episode: [01:50] Do you think you are worthy of your dream life? Raya challenges listeners to get clear on how worthy they feel about the life of their dreams. [04:03] If you are constantly thinking you’re broke, you’re probably always spending money to affirm that you’re broke. Your mind is a powerful tool. [07:25] Raya shares that getting to the root of her gut issues has tremendously impacted her mindset because she’s consuming better things. [11:36] Picture yourself living your dream life. You must be able to see what it looks like for you so you believe it’s possible for you to achieve. [14:43] Raya shares that consistent journaling allows her to look back at old journal entries and see the growth that happens over time.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 101 – Adversity Breeds Resilience Listen to Episode 11 – The Power of Visualization to Reach Your Goals Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!  

5 Credit Habits to Cultivate a Strong Financial Foundation

As someone who has been in and out of debt multiple times, but now actively maintains an 800+ credit score, I can honestly say that credit plays a huge role in building a strong financial foundation. Having healthy credit habits can open the door for you to leverage credit to your advantage – whether that’s buying assets, increasing your cash flow, or using it for investment purposes. If your credit score isn’t where you want it to be, don’t fret! You can start implementing credit habits now that cultivate a strong financial foundation. And, I want to help you do that! In this episode, I’m sharing 5 credit habits to build into your normal routine to cultivate a solid financial foundation. Remember, if I can do it, anyone else can too!   Here's a glance at this episode: [01:50] Raya shares what her debt and credit situation looked like before she started focusing on building good credit habits. [05:20] Automation can be a life saver for anyone’s financial situation. Raya recommends setting up auto pay to make sure no bills are left behind. [08:31] Raya leveraged the Snowball Method to pay off her debt. She prefers putting extra money towards the smallest balance debt to pay it off faster. [13:51] Reviewing your credit report is not the same as looking at your credit score. Raya shares where everyone can pull their credit reports to review. [17:34] Raya strategically uses open, no-balance credit cards to get activity on the card without carrying monthly balances.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 15 – My Debt Free Story and Biggest Takeaways Request a complimentary call with Raya to discuss your money goals! Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

2025 Mid-Year Personal and Business Goals Check In

I can’t quite believe it, but we’ve reached the halfway point of another year. 2025 has been a whirlwind, and I know I’m not the only one who feels that way. Despite everything that may be happening outside of our control, we need to keep working towards our dream life…and hopefully the goals you’ve set for the year help you get there! At the end of 2024, I shared my personal and business goals for 2025, and since we’ve reached the halfway point of the year, I want to do a quick mid-year goal check in! This helps me stay on top of what I set out to accomplish in the year and holds me accountable by sharing with you! Hopefully this episode encourages you to do your own mid-year goals check in as well!   Here's a glance at this episode: [02:10] Raya kicks off with sharing her personal goals for 2025 and the progress that has been made towards those goals. [04:40] One of Raya’s 2025 personal goals is to max out her Roth IRA. She has contributed $5500 of the $7000 needed to max out for the year. [07:44] Another personal goal for Raya is to read 2 books per month. Due to family coming into town, this goal is not on track, but Raya shares her plan for getting back on schedule. [10:07] While revenue is still a focus for business, Raya has shifted focus to increasing the profit margin for the business. Progress is being made this year. [12:30] Have a friend who would like this podcast? Help us reach our 2025 goals of getting 45,000 episode downloads!   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode 157 – My Personal and Business Goals for 2025 Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

How Women Can Build Healthier Habits with Fitness Coach Michael Williams

As I’ve gotten older, I’ve seen and felt the importance of maintaining a healthy, active lifestyle. Not only do you feel better in the present, but you prevent future health problems from messing with your quality of life. I truly believe enhancing your mind and body with proper fuel is essential to a healthy quality of life.  That’s why I’m so excited to talk with Fitness Coach Michael Williams today. Michael is a certified personal trainer who specializes in women’s fat loss. While there’s so much more to being healthy than getting rid of body fat, a lot of the health and physical activity benefits will result in less fat! Michael and I are talking about the importance of prioritizing health for women, building healthier habits, and staying consistent with healthy living.   Here's a glance at this episode: [04:40] Michael always leads with “why”. What’s your why for wanting to get in shape? Understanding that helps you stay on track. [12:43] Eating 1 or 2 meals a day doesn’t cut it for women. Michael shares what women need to do to see the fat loss results they want. [24:50] YouTube can be a great resource for learning how to properly train and lift weights, especially if you’re tight on funds. [31:40] Michael shares that the scale isn’t the best indicator of progress, especially if weightlifting is involved. “The scale is a liar”. [51:20] You don’t have to deprive yourself when you go out to eat, just do your best to plan your meals out as best as possible.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Follow Michael on Instagram Learn about Raya’s Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!