If you’re using money to the detriment of your situation, it’s doing more harm than good…no matter how exciting it feels in the moment.

While I truly believe there’s an infinite supply of money, you have to put yourself in a position for money to make its way to you.

It starts with making your current income or money work better for you.

When you do right by your money, your money does right by you.

Even if you’re unhappy with what you’re currently making, you can still do the right things with your money.

In this episode, I’m sharing 6 ways to make your money work better for you.

Start implementing these steps as soon as you can, and you’ll see the ripple effect in your financial situation!

Here's a glance at this episode:

• [02:03] Practice gratitude for your current income. It’s an easy way to make your money work better for you and you can start immediately.
• [02:34] Follow Raya through a mini guided meditation to help you practice gratitude for your money on a daily basis.
• [05:50] Whenever you get paid, a portion of it should be saved immediately. “Pay yourself first” is a tried-and-true financial principle.
• [09:11] Not sure if you can save for retirement outside of a 401k plan? Raya shares a few options people can leverage to save for retirement.
• [14:20] If you believe more money will make its way to you, it definitely will. However, you need to ensure you have a mindset of abundance, not scarcity. Raya shares some examples of how to do that.

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 CGS Podcast Episode #102 – 6 Ways Gratitude Leads to a Richer Life

Raya Recommends: The Richest Man in Babylon

Listen to CGS Podcast Episode #74 – My Favorite Affirmations for Money, Happiness and More

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!

Can I share a “fun fact” about myself with you?

I’ve been setting goals since I was a child.

Obviously, at the time, I didn’t really know they were goals.

They were just things I wanted, that I would write or speak…I’d even share with others.

I can safely say that setting goals from an early age until now has contributed IMMENSELY to all that I’ve accomplished today.

Sure, I haven’t achieved everything I set out too…but I either keep working towards those things or I align my goals to where I’m at now.

My point is that to be successful in life, you should be setting and working towards your goals. Not sure where to start?

In this episode, I’m sharing some of my best tips for setting goals and staying on track to achieving them!

Here's a glance at this episode:

• [01:40] Raya recalls her early experiences with setting and achieving goals, by sharing a story of getting started with acting.
• [04:01] When setting goals, following the SMART criteria is a must. Raya breaks down the SMART criteria to follow with your goals.
• [06:50] Don’t beat yourself up for not reaching your goals when you want to. Life happens, so give yourself grace.
• [09:13] Raya is reminded of her annual goals 3 different times throughout the day. She shares how she keeps her goals front and center.
• [13:07] Speaking your goals out loud makes them real. Don’t be afraid to share your goals with others. It will help you stay accountable.

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 CGS Podcast Episode #110 – 5 Ways a Type A Personality Stays Organized

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!

One thing you probably know about me by now is that I’m always trying to improve.

I’m always working towards new goals, new levels and being better than I was yesterday.

Certain areas of my life are much easier to work on than others, but overall, I’m constantly striving to be the next best version of myself.

To do that, it requires building habits and routines that support my growth and development.

It also requires letting go of habits and routines that no longer serve me. I spend a lot of time at the end of the year reflecting on things that work and don’t work in my life, money and business.

In this episode, I’m sharing the habits I plan to implement as quickly as possible to help me step into the next best version of me.

Here's a glance at this episode:

• [02:00] Raya vows to be proactive when expanding her knowledge. She plans on reading physical books, listening to audiobooks and taking online classes.
• [05:50] Raya shares what she recently learned from the book Think and Grow Rich – that having knowledge is irrelevant if that knowledge is never used.
• [08:41] Tracking macros in My Fitness Pal is a high priority for Raya in 2025, even though it sounds intimidating.
• [12:53] Raya wants to initiate virtual coffee chats with guests from the City Girl Savings podcast, this can help expand her network.
• [16:22] Let’s vow to do more of what makes us happy. As cheesy as it sounds, doing more of what makes you happy is a lifelong pursuit.

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:

Raya Recommends: Think and Grow Rich by Napoleon Hill

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!