Now is the time to inflation proof your Budget and Capital Budget Strategies, LLC, Austin’s Best Financial Coach, has some great ideas. Here is one: The key to a personal budget is determining the exact amount of money you have coming in each month (“take home pay”). Sounds simple, but many of our clients could not correctly state their income. Once you know your exact income, determine the value of your “mandatory” expenses, such as
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Some lucky people were able to save cash during the pandemic. Guess they were actually working and not shopping online like the rest of us. Capital Budget Strategies, LLC, Austin’s best Financial Coach, has some ideas what do with your cash right now. First, pay off your credit cards and other debts. While you could earn 1.5% in an online savings account, your Visa is costing you 18%. Second, set up an Emergency Fund. If
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Can you use some expert advice on how to get finally organized? Do you have a decent income but no budget, no idea where your money goes or what bills to pay off first or how much house you can really afford? Capital Budget Strategies, LLC, Austin’s Best Financial Coach, can help you rid your life of financial stress and help you make decisions based on your actual financial situation. During a one-on-one Zoom Video
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Ever wonder what a Financial Coach can do for you? Capital Budget Strategies, LLC, Austin’s best Financial Coach, has been organizing finances for clients since 2016 and we can remove the financial stress in your life! Though we are based in Austin, Texas, we conduct all our one-on-one sessions via Zoom Video Conferencing, so you can be located anywhere. We even worked with a US Soldier deployed to the Middle East. Our cost is only
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Capital Budget Strategies, LLC, Austin’s best Financial Coach, just received our 27th 5-Star Google review in a row! We are in the business of helping clients organize their finances, get out of debt and end the financial stress in their lives. Because we use Zoom Video Conferencing, we can help clients from anywhere. For only $149, we work with you one-on-one to create a monthly personalized budget, an Emergency Fund, review your spending and saving
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Are you saving enough to protect yourself and your family from any downturn in the economy? Or to fund your retirement? Most financial experts agree you should be saving a minimum of 15% of your income in your employee retirement account (commonly a 401(k)), a personal IRA and/or a brokerage account. Remember, you are funding your own retirement and no one else cares as much as you should. Capital Budget Strategies, LLC, Austin’s best Financial
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The Austin Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, advises clients to get to know their employer’s retirement plan, usually called a 401(k) in for-profit companies and a 403(b) for non-profits and government agencies. (The names relate to the US tax code sections that created these programs). Here is how it works: You select either a specific amount or a percent of your paycheck (called a “contribution”) that will be placed
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So, you just got hired and will finally be getting a real paycheck. Congratulations and welcome to adulthood! Now, let’s discuss saving for retirement. Capital Budget Strategies, LLC, Austin’s best Financial Coach, provides financial education to the newly employed so they get a head start on becoming financially independent. Do you know people who complain about all the credit card debt they carry? Or have friends that endlessly talk about their student loans? Do you
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The US Department of Education has again extended the COVID-19 Emergency Relief and Federal Student Aid Program through August 31, 2022. The Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, highly recommends that if you have Federal student loans, start paying them immediately! The benefit of the program is the 0% interest, meaning 100% of your payments will go directly to your principal, instead of principal and interest. The Program allows for
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Thinking of taking the next step with your partner? Moving in together can be great, but there are some financial considerations to consider. The Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, recommends having a frank discussion with your new roomie before signing a lease or buying a house together. Our Austin Money Coach hopes for the best, but always recommends planning for the financial worst. Surprisingly, not all relationships work out
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