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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Reader Interactions


  1. Thank you for that I need to see it and read it. I talking to my friend this morning about getting out debt. That my goal.

  2. Yes! I do write out my goals and stay focused on my goals by playing them over and over in my head. Sometimes it don’t always work.(Lol) I pull out my journal and read them. I take it day by day. I don’t rush myself.

  3. Right now nothing working. I am a PAPER JUNKIE if I could get reorganized that would mean the world to me.

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