Capital Budget Strategies, LLC

Capital Budget Strategies, LLC Austin Money Coach and Financial Planner (512) 520-5744 Organize your finances. Build a budget, an e Austin, TX is booming!

Unfortunately, many young employees of these companies are burdened by college loans, credit card debt or just past bad financial decision making. That is because most people never learned the basics of budgeting and have no idea how to change their “harmful” financial habits. Capital Budget Strategies, LLC, an Austin money coach, provides coaching and support in building individual portfolios containing a personalized budget, an emergency fund, a debt repayment schedule and a savings plan. Setting up a budget provides your employees the first welcome sense of financial control, allowing them to better concentrate on their work. Capital Budget Strategies, LLC offers speakers and workshops for corporate events, churches, clubs and all public or private organizations. We come to your location to “teach and train” how to build and follow a financial budget. Our training changes the way people view their finances and sets them on the road to financial security. First we help clients understand their “true” current financial status. Then we provide education and tips on how to organize their finances and keep spending under control. By changing their financial outlook, they begin the journey to financial independence. Capital Budget Strategies, LLC also provides one-on-one sessions with employees, newlyweds, recent college graduates and anyone interested in improving their financial status and taking the worry out of their financial decisions. Our goal is to provide a path for clients to become, and remain, debt free and gain the peace of mind that they, their families and their assets are protected. Our clients would have a job and income, but simply lack the basic understanding of budgeting and debt control. We are not appropriate for individuals facing serious debt trouble, bankruptcy or IRS actions. Please note, we only offer education and coaching on budgeting, we do not provide legal, investment or financial advice.

Increase Your College Student’s Credit ScoreHere is an easy way to increase your college student’s credit score. Capita...
09/13/2026

Increase Your College Student’s Credit Score

Here is an easy way to increase your college student’s credit score. Capital Budget Strategies LLC, Austin’s best Financial Coach, has personally used this method and our student graduated college with a credit score over 800!

First a warning: When your freshman arrives at college, they will be inundated with pre-approved credit card offers. Make sure your student does NOT get a credit card! Credit card companies know junior will most likely miss a payment and then must pay 21% and higher on the balance. That is big money for Visa!

Two of the factors credit rating agencies use to determine a credit score are (1) the length of time someone has had credit available, and (2) their payment history.

Here is an idea for parents to build a high credit score: Go to NerdWallet’s website and find a suitable credit card for someone with low or no credit history. Then, in agreement with your student, get a credit card in their name only. However, YOU, the parent, keeps the credit card and uses it only for gas in your vehicle or some other frequent, but inexpensive, charge. Then set up an autopayment from an account so you, and thereby your student, never miss a payment.

Upon graduation in 4, 5 or 6 years, your student will have a years-long history and have never missed a payment. Happy graduation!

For only $149, the Money Coach at Capital Budget Strategies, LLC, can also help you or your student become financially organized. Together, we will create an Emergency Fund, a Survival Fund, review your retirement savings, build a personized monthly Budget and a Snowball Debt Repayment Plan, if needed, to pay off credit card debt, student loans, etc.

Your student will have enough pressure at college to worry about, do not let building personal credit add to it. Capital Budget Strategies, LLC, is here to help!

Is Pet Insurance Worth It?Is pet insurance worth the annual cost? Well, that depends.The Financial Coach at Capital Bud...
08/20/2026

Is Pet Insurance Worth It?

Is pet insurance worth the annual cost? Well, that depends.

The Financial Coach at Capital Budget Strategies, LLC, Austin’s best Financial Coach, can help you decide if you should buy pet insurance or “self insure.” We can also help you decide how much house you can afford, if you are ready for retirement, how much you will receive in Social Security and if you are saving enough in your 401(k).

For only $149, you will meet one-on-one with our Financial Coach via Zoom Video Conferencing, so you can be at your office or kitchen table. We will review all your accounts, your income and spending habits and give you an honest opinion of your current financial situation.

Of course, our Money Coach will also help you build an Emergency and a Survival Fund, create a personalized monthly budget, review your banking accounts, help you control spending and even set up a Snowball Debt Repayment Plan for credit card debt and/or school loans.

Like all insurance policies, you have options. Most companies offer three types:

(1) Accident, illness and wellness policy, averaging $1,415 for dogs and $860 for cats annually,

(2) Accident and illness policy, averaging $835 for dogs and $435 for cats annually and

(3) Accident-only policy, averaging $190 for dogs and $115 for cats annually.

As always, read the “fine print” for exemptions and coverage of pre-existing conditions. The older your pet, the higher the insurance cost. Plus, some specific breeds which are prone to chronic conditions, like English bulldogs, cost more.

Another idea is to “self insure,” by contributing to the “Pet Emergency Fund” each month. This way, you have the cash immediately available and if you need funds for a “human” emergency like a car repair or medical care, the cash there in the account.

Like life insurance, pet insurance will provide you with peace of mind that if something serious happens to Fido or Miss Furball, like cancer or needing an operation, you can agree to the service without having to worry about payment. And pet emergency hospitals require payment up front before care is rendered.

Our Austin Financial Coach is not a Veterinarian, but we are pet owners and can help you make any financial decision that is best for you – and your pet!

Check out our 80 5-Star Google Reviews!

Financial Risks of Moving in TogetherAre there financial risks of moving in together? Yes, but you can take steps to sa...
08/06/2026

Financial Risks of Moving in Together

Are there financial risks of moving in together? Yes, but you can take steps to safeguard both you and your partner.

We recently met with clients who had purchased a home. Another couple moved into an apartment. Both are now facing financial and romantic issues. Capital Budget Strategies, LLC, Austin’s best Financial Coach, is here to help – at least for the financial part!

For only $149, Capital Budget Strategies, LLC will meet with you and your “other” one-on-one via Zoom Video Conferencing and do a complete evaluation of your finances. Together we will determine your Net Worth, create an Emergency Fund, set up a Snowball Debt Repayment Plan, if needed, and create a personalized monthly Budget. (We have a 25% discount for first responders, military and veterans, local law enforcement, teachers and nurses).

The first couple purchased a house when they got engaged, with only one person on the Title. After two years, the couple unfortunately split and the homeowner determined she cannot afford the mortgage, insurance, taxes and maintenance on her own.

The second couple rented an apartment with both names on the lease. When their relationship soured, neither wanted to leave. If one did leave and stopped paying rent, the other one remaining could be held liable for the full rent.

Our Financial Coach is not a couple’s therapist, but he can certainly explain the financial risks, and how to protect yourself, to those thinking of taking the plunge to be roommates. Living together is one way to get to know if a relationship will last, but it should not ruin your credit score if things do not work out.

Our Money Coach is ready to help you and your partner make the right moves when moving in.

Check out our 80 5-Star Google reviews!

Financial Advice for NewlywedsWhat is the best financial advice for newlyweds? According to Capital Budget Strategies L...
07/26/2026

Financial Advice for Newlyweds

What is the best financial advice for newlyweds? According to Capital Budget Strategies LLC, Austin’s best Financial Coach, the happy couple should start planning their financial lives together months before the wedding day.

Each spouse must be honest about income, debt, financial goals and spending habits. Unless one spouse has special financial circumstances, such as a Family Trust, our Money Coach suggests combining financial assets and start working as a “Family Financial Team.”

Do not wait until after the honeymoon to tell your spouse about that $150,000 school loan you hope to pay off one day!

For only $149, our Financial Coach will meet with you and your partner, one-on-one via Zoom Video Conferencing and help your new family determine their Net Worth, exact income, the total debt owed (school loans, credit cards, personal loans), provide a blueprint on setting up bank accounts, creating both an Emergency and Survival Funds and, most importantly, create a personalized monthly Budget to help you meet your long-term goals.

We will also discuss 529 Education Accounts, Social Security and saving for a house. Finally, we will set up a Snowball Debt Repayment Plan, if needed.

Our Money Coach has found that with a few changes and a commitment from the spouses to work together, they will begin their life together with a financial plan, a bright financial future and worry about the more important things in life, like a name for the new dog!

If you are not the couple getting married, but wish to give the perfect wedding gift, Capital Budget Strategies, LLC offers “Gift Certificates!”

Please see our seventy-six 5-Star Google reviews at: https://g.page/r/CWPIT-Xl53R3EBM

The Real Cost of Buying a CondoWhat is the real cost of buying a condominium (condo)? Many people think you just pay th...
07/19/2026

The Real Cost of Buying a Condo

What is the real cost of buying a condominium (condo)? Many people think you just pay the mortgage and enjoy the pool on a hot day. Sorry, there are other expenses to consider!

Capital Budget Strategies, LLC, Austin’s best Financial Coach, can help you decide what is best for you – to buy a house, buy a condo or rent an apartment. Each has its advantages and, sorry to say, disadvantages.

For only $149, the Money Coach at Capital Budget Strategies, LLC, will meet with you via Zoom Video Conferencing for an intense one-on-one financial review. Together, we will determine your Net Worth, review your spending, set up an Emergency Fund and a Survival Fund, create a personalized monthly Budget and even review your retirement savings. If you have debt, we will create a Snowball Debt Repayment Plan to make getting back on the correct financial track as painless as possible. And yes, we can talk about condos!

With a condo, you live in a residential building, own your unit “from the walls in” and everyone pays a fee to maintain the “common areas,” such as the lobby, parking lot, rooftop deck and lawn care.
We have experience with condos, having owned four of them!

There is the mortgage, of course, unit utilities and the Homeowners Association (HOA) fees. Beware, HOA fees can be expensive, over $1,000 a month, depending on the building. The more amenities available, the higher the fees. Items like elevators and a swimming pool can really spike costs.

Of course, you also pay for installation, maintenance and repair of any appliance or furniture “inside” the unit.

Condos are managed by an elected Condo Board. There are also Condo Rules, which help ensure the building remains clean and organized, with limits on noise and parking restrictions. Some buildings have extreme rules, such as requiring annual unit inspections, limiting the color of exterior doors or the shapes of windows allowed. Before you buy, thoroughly review the Condo Rules. Buyer beware!

While most Condo Board meetings are calm and boring, some can get pretty exciting! When a dishwasher overflows into the unit below because of old pipes within the walls – who pays for the damage? Legal battles are famous in the condo world.

Also, if there are maintenance or renovation projects, the cost is divided between the unit owners via “assessments.” Assessments can arise without notice and can be expensive. Our Financial Coach lived in a condo building and the elevator suddenly broke – resulting in a $90,000 bill and a $550 assessment the next month. There was also a $300/month assessment for new windows for the entire building which lasted 12 months! Yikes. Always ask the Board if there are any upcoming or planned projects or assessments. Again, buyer beware!

Don’t be discouraged about buying a condo. Just visit buildings with your eyes open and talk to Board Members! Or simply contact Capital Budget Strategies, LLC.

Check out our 78 5-Star Google reviews at: https://g.page/r/CWPIT-Xl53R3EB0/review

Our 77th 5-Star Google Review!From W.M., West Lake, TX, JULY 2026“Charles Mitchell at Capital Budget Strategies is the r...
07/09/2026

Our 77th 5-Star Google Review!

From W.M., West Lake, TX, JULY 2026

“Charles Mitchell at Capital Budget Strategies is the real thing. Patient, thorough, and generous with his time. He walked me through everything without ever making me feel rushed or talked down to. The strategies he offered were practical and actually usable, not the recycled advice you get everywhere else.
What surprised me most was how enjoyable it was. Time flew. He has a way of landing a point about savings or finances that sticks with you, often with a bit of humor that makes the whole thing memorable instead of a slog. I left with real tools and a clearer head. If you’re looking for a budget coach in Austin who treats you like a person and knows his material cold, this is your guy!”

Start Saving for Your Next Vacation Now!Time to start saving for your next vacation! Admit it, the one you are planning...
07/09/2026

Start Saving for Your Next Vacation Now!

Time to start saving for your next vacation! Admit it, the one you are planning to take this summer will most likely end up on your credit card. Meaning you will pay 18% interest for the privilege of sitting in the hot sun drinking some fruity drink with an umbrella and pineapple slice on the rim.

Here is an idea from Austin’s best Financial Coach: Let’s say you take a vacation every August. Next summer you want to go to Paris and enjoy the summer heat in the showdown of the Eiffel Tower. Good choice. You estimate the flights, hotel room, food and t-shirts to cost about $5,000.

You now have 12 months until August 2027 and you need $5,000. How about opening a “Vacation Fund” and contribute $415 a month. By July 31, 2027, you will have enough funds to pay cash for your trip!

Capital Budget Strategies, LLC, Austin’s best Financial Coach, can help you with saving for a vacation and much more. Our financial sessions are via Zoom Video Conference, so you can be at your kitchen table or your front porch. We will help you determine your Net Worth, set up an Emergency and Survival Fund, predict and save for long-term expenses, create a Snowball Debt Repayment Plan, if needed, and create a monthly, personalized Budget to help you get financially organized.

Check out our 76 5-star Google Reviews!

Capital Budget Strategies, LLC, the Money Coach who can help you win your retirement!

Our 72nd 5-Star Google Review!C.R. of Round Rock, TX wrote:"“Highly recommend Charles- I didn’t expect to actually enjoy...
04/26/2026

Our 72nd 5-Star Google Review!

C.R. of Round Rock, TX wrote:

"“Highly recommend Charles- I didn’t expect to actually enjoy talking about finances, but here we are. He’s patient (really patient), funny, and incredibly helpful. What could have been overwhelming felt calm and even empowering. He took the time to walk us through everything without ever making us feel behind or confused. It’s clear he cares about people and their financial planning.”

04/21/2026

A beautiful personal note from a client:

"Chuck, Thank you again for this! You have forged a new path for us and I’ll be forever grateful. We may have follow up needs or questions so you may not be rid of us just yet but we made some moves with investments this week and are preparing to set up our Capital One accounts. It’s been life and marriage changing already and we are just beginning."

It is very rewarding to work with a young family and guide them through the "tough" financial questions needed to be discussed. With a baby on the way, it is especially important that parents-to-be agree on their financial goals, spending and savings. Also, we discuss wills, life insurance and retirement savings vs. college education savings.

We help families navigate these hard questions with patience, experience and proven strategies. New parents should be focused on choosing a baby's name, not who is going to pay the utilities!

No matter your financial situation, you can be sure we have handled the same issue at some point over our 10 years in business!

Contact Capital Budget Strategies, LLC, to help you set up a family financial plan and win your retirement!

03/14/2026

Your First Real Job? Set up a Budget, Quick!

Did you just begin your first “real” job with decent pay? Time to set up a Budget, quick!

A recent client just began her legal career at a law firm. After graduating law school, passing the bar exam, she now is getting a decent paycheck. But, with good pay comes many decisions, such as: Should I buy a condo? Can I get a new car? What about school loans? What is a 401(k) retirement plan and do I need to contribute to one? How do I track my income and expenses?

Capital Budget Strategies LLC, Austin’s best Financial Coach, will help you find these answers. For 10 years we have been working with young professionals to ensure they make good decisions now that promise success and build excellent personal finance habits. Our sessions are an education on how to achieve financial goals and a well-funded retirement!

For only $149 (with 25% discount for first responders, military, teachers, nurses and local law enforcement), our Austin Money Coach will meet with you via Zoom Video Conferencing; therefore, you can be at your office or kitchen table. If you have a spouse, partner or someone who shares your financial responsibilities, please have them join as well. But be ready, our sessions, which usually run about 4 hours, are intense! Appointments can be made seven days a week.

We will explain and determine your Net Worth, build an Emergency and Survival Fund, set up Snowball Dept Repayment Plan, if needed, and discuss repayment of your school loans. Do not worry, we work together step-by-step and explain all the concepts in easy-to-understand language.

The decisions you make in the first 3 years of your new career will set the foundation for a lifetime of financial success and staying out of personal debt. We will help you win your retirement!

Check out our 69 5-Star Google Reviews at: https://g.page/r/CWPIT-Xl53R3EB0/review

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