To determine how much house can you really afford, you must look past just the mortgage. We meet with clients frequently who have “buyer’s remorse” because they realize they cannot afford their new house. One client made their first payment and realized it was too expensive! Yikes! Capital Budget Strategies, LLC, Austin’s best Financial Coach, can help you determine how much house you can afford. For only $149, we will help you create a personalized
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Paying off student loans is one of the first expenses a new graduate should tackle. Do not treat it as a secondary expense in your budget, focus on it and get it out of your life! This is how Capital Budget Strategies, LLC, Austin’s best Financial Coach, wants you to view your school loan debt and, in fact, all debts in your life. Unless you faced a medical or family emergency requiring you to borrow
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Are you a new attorney just starting work at a law firm? Now is the time to organize your personal finances and start saving for retirement. Capital Budget Strategies, LLC, Austin’s best Financial Coach, can teach you how to handle your new income, pay off school debt and credit cards and start saving for the future. Now is the time to get your financial life in order! Our Austin Financial Advisor once met with a
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Yes, it is Christmas in the middle of July! (Who says that line in which movie? Hint: It is before computers and even push-button telephones.) Speaking of the holidays, let’s be honest. You know you will spend money buying holiday gifts. Will you pay with cash or Visa? With a credit card, you will pay about 18.99% for the privilege of borrowing money you do not have to buy gifts people probably do not want.
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How do you know if you can really afford a summer vacation? Easy, just determine how you are going to pay. If you said cash, have fun and don’t forget the sunscreen. If you said credit card, sorry better look for a “staycation.” Remember, you may deserve a summer vacation, but that does not mean you can afford a summer vacation! Do you make a decent salary but have no idea where your money goes,
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Besides a house, college tuition is the largest payment many people will make. But it does not have to be that way. Really. For only $99 for students or recent graduates, Capital Budget Strategies, LLC, Austin’s best Financial Coach, will help you plan for college debt. We will also help you build a Budget, an Emergency Fund, pay off credit cards, invest in a Roth IRA and let you know how to best save for
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Congratulations graduates! You are liberated, on your own and starting that new job. Now is the time to plan for your retirement. Suppose you want to retire at 65. Based on current data you will live to around 95, therefore you need to fund 30 years of retirement. So, start NOW. Remember, compounding interest is your best friend in investing. If your company offers a 401(k) or similar retirement plan, jump on it! Ask if
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People wonder what can help them keep their 2023 New Year’s resolution to get better with their finances. How about spending $149 to get your finances organized? Capital Budget Strategies, LLC, Austin’s best financial coach, will meet with you one-on-one via Zoom Conferencing and review your finances. First, we determine your net worth and determine your true income. Next, we review your debts (credit cards, student loans, mortgages, etc.) and, if needed, build a Snowball
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You make a pretty good income. But how do you know if you should pay off your credit cards school loans or invest in a 401(k)? What exactly is a 401(k) anyway? Can you afford a house, or should you continue to rent? How much car can I afford? You do not need expensive “investment advice,” because you are not at that level yet. You just need someone to get you organized, explain basic personal
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So you have a great job, good income, a cool apartment, school loans, credit card debt and a date with that new accountant on Friday night. All is going well, except you cannot seem to organize your personal finances. Your monthly Budget consists of paying your credit card balance with whatever is left over at the end of the month. You are a whiz at your job, but finances seem too confusing. Who should you
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