Ballin' On A Budget – Raya Reaves Has Made it her Mission to Get Women on Track Financially

For over 16 years I have been in the financial and retirement planning industry and it never ceases to amaze me how many people work, get paid, spend the money and have no idea where it all went. In my opinion, one of the quickest and most common ways to stay broke is to not have any allotment knowledge on your money; in other words not knowing exactly where the money is going. I like to call it ‘unallocated spending’. If you want to have any success in your finances, regardless of how much you make, at the very least you need to know where your money is going; every dollar has to have a purpose – even if that purpose is to spend it on entertainment and fun stuff. When your money is unallocated you’ll often find yourself looking at your paycheck thinking, I made this money, I don’t know where it went and I have nothing to show for it!

Well, in today’s Dirty South Club Spotlight we give a little bit of shine to Financial Consultant, Raya Reaves. Through her company City Girl Savings she’s helping women achieve financial goals through knowledge-building resources, personalized budget plans and coaching services. We asked Raya to take little bit of time to share some finance and budgeting basics with our readers to give you a decent start on getting your financial life together. After you’re done getting some of her consulting services for free in this piece, make sure you visit her at City Girl Savings. She’s up for the task of helping you budget, save, get out of debt and control your urge to spend. But for now, let’s get to the good part!

What’s your name and what part of the Dirty South are you representing:

My name is Raya Reaves and I am representing Austin, Texas – where I was born and raised.


What do you do and what inspired you to do it:

I am the Founder and Financial Consultant for City Girl Savings – an online blog and business designed to inspire women to get on financial track through budgeting and financial services. My degree is in finance, and I’ve always had a passion for budgeting. Not many people share that passion, so I wanted to incorporate other things I care about (travel, enjoying life, etc.) to make the thought of finance less intimidating and more approachable.


Best business or personal advice you’ve ever received:

Stay positive. The power of positivity is unbelievable. It’s not always easy to stay positive, but it’s certainly worth it. Being positive and consistent with your hard work opens doors you never knew existed.


Any words of advice or encouragement for those who wish to follow in your footsteps:

Just do it! If you have a goal, don’t procrastinate. The longer you wait to get started, the longer it will be before you become successful. Also, don’t be afraid of what other’s think. Not everyone is going to be on your side or appreciate your idea, but there are plenty of people who will. If you can impact one person, it’s worth it all.


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How do you define success:

I define success as being happy with your life. If you work hard and can afford the things you want, that is success. You don’t have to make millions of dollars to have a successful life.


What are your plans or goals in the near future:

My plans for the near future are to provide more video resources for my company, City Girl Savings. I want to get my face out there and show people there is someone behind that computer screen! As far as personal plans, I have a 2-week trip to South Africa coming up for my birthday vacation!


What do you believe is the biggest misconception about having a budget:

The biggest misconception about having a budget is that if you have one, you can’t enjoy life. This is far from the truth. A budget is simply a tool to show you what money is coming in and what’s going out. If you can afford all of your necessary expenses with money left over, you can budget for fun!


What is the biggest misconception you believe people have about money:

I believe the biggest misconception people have about money is that it equals happiness. Money certainly does solve a lot of problems, but it creates new ones too. Happiness should be far from materialistic, but a feeling that you get from living a life you love.


What do you like to do for fun:

While an online blog/business never stops (fortunately I think working on that is fun), it’s always nice to do things you enjoy. I love to travel, read, and try new things. Whether it’s in the form of a museum visit, trying a new restaurant or type of food, or exploring local cities, I love experiencing new things.


What is/are your favorite genre(s) of music:

I think I have a favorite song from every genre of music, but I primarily enjoy R&B and hip-hop music.


Where can the people find you online:

Are you ready for this?! You can find me at-

Twitter – @rayareaves

Instagram – @rayareaves

Facebook – Raya Reaves

LinkedIn – Raya Reaves

Website –

City Girl Savings Website –


What do you love most about the Dirty South:

I love the culture of the South! I lived in Los Angeles for 7 years (after high school) and nothing beats the music, the food, and the people you find in the South!

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Photos courtesy of: Raya Reaves

© 2017 C. Huey for Dirty South Club | D$C™