“Charles was wonderful, knowledgeable, relatable, calm, and helpful. I knew some of the tasks already, but I wasn’t implementing them and he helped with new strategies for saving and tackling debt. The worksheets really helped us see what we had and where it was going so that we could start changing our spending.
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JULY 2023, C.B., AUSTIN, TX
“As we were searching hundreds of options available for a personal finance coach, there was one who stood out above all else, and we wouldn’t change a thing after the time we spent with Charles. All of the amazing reviews for Capital Budget Strategies hold true, shown by the kindness and patience he gave over a four hour span. Charles was able to meet with us via Zoom, on a Saturday (which I found to
{…}Christmas in the Middle of July?
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.
{…}Can You Really Afford a Summer Vacation?
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,
{…}Ideas to Avoid College Debt for High School Seniors and Parents
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
{…}Congratulations Graduates! Now Start Saving for Retirement
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
{…}MAY 2023, DR & Y. A-B, PHILADELPHIA, PA
“We had such an amazing and eye-opening experience into our finances. Chuck was very patient with us and helped us set realistic goals and now we feel confident where our finances are concerned!
{…}MAY 2023, J & K, BEACH HAVEN, NJ
“Our financial meeting with Chuck was eye-opening and life changing! We have come away with such a better understanding of how to manage our finances and created both a feasible budget and a plan for our future. Our only regret is that we hadn’t done this years ago!
{…}MARCH 2023, A.S., AUTIN, TX
“Chuck is a great strategist and gave me some great tools to work with to manage and get out of debt. I can see a light at the end of that tunnel now. I highly recommend his services.
{…}MARCH 2023, K & N.F., AUSTIN, TX
“Chuck is a highly detailed, thorough and thoughtful advocate for his clients. He has been instrumental in our efforts sharpen our financial discipline. I highly recommend working with him.
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