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 con

taining 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.

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!

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