Personal debt is something you always carry with you. You think about it constantly, you worry about it constantly and you may even be ashamed of it. We are not talking about debt due to unexpected medical bills, a natural disaster or other unforeseen events. We are talking about those who simply used their credit cards too much, purchased a house they could not afford or accepted too many loans for school. Most likely it
{…}
Spring is here and that means graduations from high school, college, graduate school or a PhD program. You should be proud of their accomplishments, but you can also give them a big head start on paying off their school loans or starting their careers. As a $99 special for graduates and students only, Capital Budget Strategies, LLC, Austin’s Best Financial Coach, will sit down with your graduate and teach them how to handle money like
{…}
Why should you cut up your credit cards NOW? Because in Austin, too many people use credit cards to buy things they really do not need and cannot afford. Think about it. If you need to use a credit card, what you are really saying is I do not have the money right now, but I want this item so much that I am willing to borrow money from Visa at 17.3% interest. Sounds crazy,
{…}
People in Austin, Texas can create a household finanical budget, set up an Emergency Fund, determine their net worth, check how well they are doing saving for retirement and build a Snowball Debt Reduction Plan for only $149! Capital Budget Strategies, LLC, Austin’s best finanical coach, will take you step-by-step through the process in about 4 hours. Think of it, in the time you usually sit in front of the TV on a Thursday night,
{…}
Don’t let Lifestyle Creep get the best of you in Austin. It is everywhere and everyone is doing it! Lifestyle Creep is not the cranky guy in the office who thinks Austin was a better city without smart phones. It occurs when someone gets a financial boost, such as a new job, a promotion or a raise, and end up thinking their increased income means they can increase their spending. For only $149, Capital Budget
{…}
What is the best gift for Austin newlyweds? Passes to Austin City Limits? A weekend at Lost Pines Resort and Spa? How about starting a life together with finanical freedom? For only $149, Captial Budget Strategies, LLC, Austin’s best Finanical Coach, will sit down with the happy couple and organize their newly joint finances. We will hold an adult conversation and discuss questions such as: 1. Should we keep separate checking and savings accounts? 2.
{…}
Everyone in Austin deserves a pay raise! At least that’s what everyone thinks. But what will you do with the extra income? How about saving it? The Austin Financial Coach at Capital Budget Strategies, LLC, suggests you have a plan for your anticipated increased income, so when it does happen you are not tempted just to spend it. Financial Coaches call this “Lifestyle Creep.” Lifestyle Creep works like this: Let’s say you get a pay
{…}
Have you ever heard your co-worker complaining about their finances? How they always seem to run out of money before the end of the month and complain that they can’t afford their school loans, car payments, rent and credit card bills? For only $149, Capital Budget Strategies, LLC, Austin’s best Financial Coach, can help anyone in Austin organize their finances. We will help you set up a personal household budget, create an Emergency Fund and
{…}
Need help building a household budget in Austin? Capital Budget Strategies, LLC, Austin’s best Financial Coach, is here to help. Though you are successful at work, maybe even manage other employees, you still can’t figure out your finances. At the end of the month you have no idea where your money went or when you will ever pay off your credit card debt or school loans. For only $149, our Austin Financial Coach will sit
{…}
Hey Austin, why should you live below your Means? What does “Means” mean anyway? Families in Austin get into financial trouble when they live above their Means. When our Austin Money Coaches talks about finanical “Means,” they are referring to your total after-tax income. Here is an example: suppose you earn $50,000 per year, live in South Austin in a cool neighborhood, visit Barton Springs whenever you can and love the Violet Crown Cinema on
{…}