About the Author

Raya Reaves is the Founder and Finance Coach of City Girl Savings, LLC. She teaches women how to create and stick to realistic budget plans to reach their financial goals. Raya resides in Austin, Texas, with her boyfriend and two Yorkie dogs.

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  1. Hello Sisters! My 2022 goal is to pay off my debt…like COMPLETELY! (Less than $15,000) I don’t want it hanging over my head any longer. I Keep my goals on a mirror in my bedroom, so I see them every day multiple times a day. I also plan to take a picture of my goal and put it as my screensaver on my phone…the more it is front and center, the more I can stay focused. I have also broken-down steps to achieving this goal (how much I need to save, how often, and how do I plan to save). I am excited to take on this task and even while I write this, it brings me joy. I claim victory and look forward to updating you all this time next year (or sooner).

    • Hi Trues! I LOVE IT! Literally doing everything in your power to keep that goal top of mind – and that’s the key to making sure your day-by-day actions help you get closer to achieving it! Way to go! I can’t wait to hear when you become completely debt-free! You got this!

  2. Everyday is an opportunity for a new beginning. I’m constantly striving to live a healthy lifestyle through proper food management and adequate activity. It’s a daily goal that yields long term benefits.

    • “Everyday is an opportunity for a new beginning.” – LOVE that! It’s so true and I think focusing on our health is a recipe for a more fulfilling life. It’s definitely something I want to put more emphasis on in the new year as well.

  3. Some of my goals this year is to buy a new home, join a writers club so I can start writing for production companies, movies and short plays. Also, I want to do peer writing articles about African American mental health and self care. Further, I want to start my new garden so my family can enjoy fresh fruits and vegetables. I love making goals and achieving them.