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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You really need a Budget, and you know it. A personalized monthly Budget will help you track your money and make sure you pay the important bills (rent, food, school loans, etc.) first. So why don’t you have a Budget? Most people do not know how to create one and think it is too complicated. Not true! For only $149, the Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, will work with
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Graduating soon and starting your first job? Congratulations – well done. Now besides learning which office coffee machine makes the best coffee, get ready to handle your own finances. That means paying school loans, car loans, rent, food, laundry, saving for car repairs, holiday gifts, pet care, cell phone, streaming service, and a few dinners on South Congress. For $75, Capital Budget Strategies, LLC, Austin’s Best Financial Coach, will meet with you one-on-one via Zoom
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Getting married? Congratulations! The Austin Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, wants to give you some advice: Meet with a Money Coach before the big day! For only $149, our Austin Money Coach will sit down with the happy couple and ask the really hard and never-before-considered financial questions that can really impact a marriage. As an example, how many of these questions can you answer about your partner and
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The Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, frequently gets asked by clients if they should pay off debt or fund their 401(k)? Of course, the answer depends on the individual’s circumstances, but here are a few general tips: 1. Can you pay off your debt within 2 years? If so, then forgo your 401(k) contributions and attack that debt! 2. Does your company match your contributions? If yes, consider contributing
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