City Girl Savings

06/10/2026

Summer might be the better reset point.

Because this is usually the season where routines loosen up, spending becomes more reactive, and financial goals quietly start slipping into the background.

If you’re not intentional, that drift can follow you straight into fall stress and holiday regret. That’s why I’m such a big believer in summer savings challenges.

Not because they’re trendy. Not because you need to restrict yourself. But because they interrupt unconscious spending patterns and help you reconnect with your goals before things spiral.

I’m breaking down 5 reasons a Summer Savings Challenge can be the financial reset you didn’t realize you needed, and why this might be the perfect time to rebuild momentum with your money.

Read now: https://citygirlsavings.com/5-reasons-a-summer-savings-challenge-is-the-best-financial-reset/

06/10/2026

Today’s Affirmation: “I attract money calmly and consistently. I no longer chase what is already flowing toward me.” 💸✨

06/10/2026

"It's been a long week. I deserve this."

"I've been so good with money lately. I can relax a little."

"I'll get back on track after this trip."

Sound familiar? 😅 These are exactly the thoughts that can quietly unravel your savings goals every single summer.

Here's the thing: summer doesn't ruin your finances. Disconnection from your money does, and it rarely happens in one big, dramatic moment.

It happens in small patterns. Small decisions. Small moments where you're just going with the flow instead of staying grounded in your plan.

In Episode 221, I'm walking through 4 summer spending traps that can pull you off track, and exactly how to avoid them:

- Using "I deserve it" as your default spending strategy (your future self deserves stability too!)
- Letting social plans dictate your spending...one dinner turns into a whole expensive night
- Telling yourself you'll "get back on track later" (spoiler: later keeps getting pushed)
- Ignoring the impact of small, consistent summer spending that quietly stacks up

You don't have to opt out of your summer to stay on track financially. You just have to stay connected to your money while you enjoy it.

🎧 Episode 221: 4 Summer Spending Traps That Can Ruin Your Savings Goals

Which trap hits closest to home for you? Be honest in the comments!

From the City Girl Savings Podcast 🎧In this episode, I’m breaking...

06/09/2026

Most people don’t overspend in the summer because they’re irresponsible. They overspend because summer removes structure.

The routines change, the spending becomes more spontaneous, and suddenly every weekend feels like an excuse to say, “I’ll deal with it later.”

More eating out. More trips. More events. More impulse spending disguised as “making memories.” Little by little, the progress starts slipping away.

That’s why summer can quietly become one of the easiest times to fall off track financially.

Not because you don’t care about your goals…but because your money stops having a plan.

That’s exactly what I’m talking about in this week’s City Girl Savings podcast episode:
🎙️ 4 Summer Spending Traps That Can Ruin Your Savings Goals

I’m breaking down the most common spending patterns that derail people during the summer, and how to stay intentional with your money *without* feeling restricted or obsessive.

Because enjoying your life and staying financially aligned can exist at the same time.

🎧 Listen on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts!

And if your summer spending already feels a little chaotic… don’t forget to join the FREE Summer Savings Challenge starting 6/21 ☀️

06/09/2026

A lot of women think they’ve “fallen behind” on retirement savings, but the truth is, most women aren’t behind because they don’t care about their future.

They’re behind because life happened: Low-paying jobs, debt, career changes, burnout, rising expenses, and trying to survive while also building a life.

Somewhere along the way, retirement started feeling like something they’d “focus on later.” But later turns into years fast. The good news? You do NOT need to panic.

Retirement progress is built through consistency, strategy, and small adjustments over time, not perfection.

I’m sharing 5 realistic ways to catch up on your retirement savings, feel more confident about your future, and start making progress from where you are right now.

Read here: https://citygirlsavings.com/5-tricks-to-get-caught-up-with-your-retirement-savings/

And if you’re working on improving your overall savings habits right now, don’t forget to join the FREE Summer Savings Challenge starting 6/21 ☀️

06/09/2026

One of the most motivating things you can experience financially is watching your accounts grow…because growing balances create proof.

Proof that your habits are working. Proof that your discipline is paying off. Proof that you’re becoming more financially secure.

A lot of women never get to experience that feeling consistently because money is constantly flowing right back out.

So, the next time you get a bonus, tax refund, extra paycheck, or financial windfall, challenge yourself to let it sit for a little while.

Look at it. Normalize seeing higher balances. Let your progress motivate you to keep going.

If building your savings has felt inconsistent lately, this is the perfect time to reset.

☀️ The FREE CGS Summer Savings Challenge starts 6/21!

For 4 weeks, we’ll work together to save an extra $250 while building stronger money habits and more intentional spending this summer.

Comment “SSC26” and I’ll send you the sign-up link 💕

https://budgets.citygirlsavings.com/savvy-summer-savings-challenge/

06/08/2026

AHHH! 🎉 The CGS Summer Savings Challenge is officially BACK!

This might be the perfect time for it. Because summer has a way of making your finances feel… scattered.

The spending gets more spontaneous, the routines get less structured, and suddenly it feels harder to stay consistent with your goals.

That’s exactly why I created this challenge.

Starting 6/21, I’ll be guiding you through 4 weeks of simple, realistic savings goals designed to help you reset your spending habits, stay intentional, and build momentum this summer.

By the end of the challenge, you’ll have an extra $250 saved…on top of your normal savings goals.

Honestly though? The biggest win isn’t just the money, it’s the feeling of getting back in control.

This challenge has been part of the CGS community for 9 YEARS, and every summer hundreds of women join together inside the City Girl Savings Facebook Group to stay motivated, encouraged, and accountable.

Because saving money gets a whole lot easier when you’re surrounded by women doing it with you.

✨ It’s FREE
✨ It’s beginner-friendly
✨ It’s designed for real life, not perfection

Comment “SSC26” and I’ll send you the direct sign-up link!

Let’s make this the summer you enjoy your life and stay on track financially!
https://budgets.citygirlsavings.com/savvy-summer-savings-challenge/

06/08/2026

There was a time in my life where summer felt like a financial reset.

Everything felt lighter. More relaxed. More social. I wasn’t thinking about routines the same way, and I definitely wasn’t as focused on my budget. I was just… living.

Honestly? In the moment, it felt good. But eventually, I realized something: What felt like “taking a break” from structure was actually creating financial stress I had to deal with later.

Summer spending usually doesn’t derail people overnight…it happens slowly: More eating out, more last-minute plans, and more “I’ll figure it out later.”

Before you know it, the progress you worked hard for starts slipping away. That’s what I’m talking about in this week’s episode of .

I’m breaking down 4 common summer spending traps that can quietly ruin your savings goals, and how to stay financially aligned this summer without feeling restricted or obsessive about money.

You don’t have to choose between enjoying your life and making financial progress. You just need a plan that supports both.

🎧 Listen on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts!
https://citygirlsavings.com/221-summer-spending-habits-savings-goals/

06/05/2026

Whether you’ve been recently introduced to the concept of sinking funds, or you’ve been implementing them for a while, there’s no doubt that you could be feeling overwhelmed.

There are so many things to save for and only so much money that can be saved! All that means is that you need to get strategic.

You need to be able to prioritize your sinking funds in order of importance or timing. Check out the blog where I’m walking you through how to prioritize your sinking funds so you can feel productive, not overwhelmed!

https://citygirlsavings.com/how-to-prioritize-your-sinking-funds/