City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

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How to Make Your Money Decisions Stick Long Term

September 28, 2026

It's one thing to decide you want to save more money. It's one thing to decide you want to stop overspending, pay off debt, stick to your budget, build your emergency fund, invest consistently, or become more intentional with your spending. It's another thing entirely to keep honoring that decision when real life shows up. When work gets stressful. When you're tired. When your friends invite you out. When your favorite store is having a sale. When the fresh-start energy wears off and you simp...

Why Motivation Isn't Enough to Change Your Money Habits

September 21, 2026

Have you ever had one of those moments where you suddenly feel completely motivated to get your money together? Maybe you looked at your credit card balance and decided enough was enough. Maybe you got tired of making good money but still feeling like you had nothing to show for it. Or maybe a new month gave you that fresh-start feeling and you decided this was finally going to be the month everything changed. That motivation can feel powerful. It gives you energy. It gives you hope. And some...

5 Frugal Habits that Actually Build Wealth

September 14, 2026

When you hear the word "frugal," what comes to mind? Clipping coupons? Eating the same boring meals every day? Saying no to every fun thing you want to do? That's not the kind of frugality we're talking about here. Being frugal on purpose isn't about spending as little money as possible. It's about being intentional with the money you have so you can keep more of it, use it well, and create more options for your future. And when you practice the right frugal habits consistently, you're not ju...