Capital Budget Strategies, LLC

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Austin, TX
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.

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

03/05/2026

Our newest 5-Star Google Review!

March 2026, L.F., Austin, TX, wrote:

"I can’t say enough good things about Chuck and his services - from his knowledge of budgeting strategies and his kind and caring approach - it makes the experience of working with him well worth it! I highly recommend reaching out."

03/04/2026

Do You Need Umbrella Insurance?

You probably need umbrella insurance if you have assets over $500,000, own rental property, have teenage drivers, plan to greatly increase your income some day or have a home pool, a trampoline or a pit bull.

Capital Budget Strategies, LLC, Austin’s best Financial Coach, has many ways to help you organize and protect your money, create a Budget and Emergency Fund and help you set up a Snowball Debt Repayment Plan if needed.

The term “umbrella” fits the policy perfectly. Here is how it works: You have auto and home insurance, of course, but what if you cause damage over the coverage limits?

For instance, your auto insurance covers you up to $500,000, but what if your teenage son is texting while driving and crashes into a Maserati severely injuring 5 cardiac surgeons heading to a medical conference at Dell’s Children’s Hospital?

Your auto coverage might not even cover the damage to the automobile, so how are you going to pay for physical injuries to the surgeons, their lost wages and potentially career ending disabilities? You could be sued and held privately liable, resulting in having to sell your home, empty your retirement accounts and have your wages garnished forever.

Umbrella insurance kicks in when the limits of your other policies are reached. In the example, you could have $500,000 from your auto coverage, then perhaps an additional $3,000,000 from your umbrella policy. (Policies usually offer coverage between $1 - $5 million).

Umbrella insurance is relatively inexpensive for the extra coverage and peace of mind it offers. Most policies can be purchased for only a few hundred dollars a year.

Contact Capital Budget Strategies LLC and let us help you organize your personal finances and win your retirement! There is a reason why we have 68 5-Star Google reviews!

02/14/2026

Our 67th 5-Star Google Review!

B.N., of Austin, TX, wrote:

“I recently had the pleasure of meeting with Charles to discuss my finances, and I can honestly say it was the best decision I’ve made in years when it comes to getting my financial life organized.

Charles was incredibly helpful, patient, and genuinely caring. He truly values the people he meets with and I felt that throughout the entire session. He’s not only extremely knowledgeable, but he has a real talent for explaining complex concepts in a clear, straightforward way. He took the time to go slow, answer every single one of my questions, and even stayed beyond our scheduled time just to make sure I felt confident and understood everything.”

01/15/2026

Ready to Get Serious About Your Personal Finances?

Are you ready to get serious about your personal finances? Let 2026 be the year you get organized and take control. We can help end your financial stress!

Capital Budget Strategies LLC, Austin’s best Financial Coach, is here to help. For only $149, we will meet with you one-on-one via Zoom Video Conferencing and do a “deep dive” into your finances. Many of our clients make a decent income, but they just do not have a plan to pay monthly bills or put money aside for emergencies or retirement.

Our Austin Money Coach has found that unless the plan is easy to set up and use, automated and created with the client’s involvement, it will not have a great success rate.

Together, we determine your Net Worth, set up an Emergency and Survival Fund, review your banking accounts and credit card and school debts, if any, create a personalized, month Budget, plan for future expenses and help you get out of the debt using the Snowball Debt Repayment Program. Our Austin Financial Coach will also briefly explain social security and give you an idea of how well you are doing saving for retirement.

If you have a spouse, partner or someone who shares your financial obligations, it would be great if they attended as well. Family personal finances is a Team Sport!

Our price includes one additional follow-up session, usually at the one-, three- or six-month mark. Plus, you can call or email us anytime with questions or to discuss ideas.

Let 2026 be the year you finally eliminate the financial stress in your life! Give us approximately 4 hours and we will help you win your retirement!

Check out our 64 5-Star Google Reviews at: https://g.page/r/CWPIT-Xl53R3EBM

01/04/2026

Another 5-Star Google Review!

J.W. of Austin, TX wrote, "I am so grateful for the expertise, patience and care that Charles Mitchell showed during our session. He has a non-judgmental and impartial approach to personal finance and I now feel equipped to manage my financial life moving forward. I enthusiastically recommend him to anyone looking for compassionate guidance."

12/01/2025

How to Control Your Spending During the 2025 Holiday Season

Many of our clients ask how they can control spending during the 2025 holiday season. Our Austin Financial Coach says there is only way to control spending: Create a spending plan.

Capital Budget Strategies LLC, Austin’s best Financial Coach, meets with clients each Fall who are still paying off credit card debt from last year’s holiday gift buying. That is stressful and very expensive with credit cards charging 18%+ in interest on outstanding balances.

Our plan is simple, but you must stick to it. First, write down the names of people you will be buying a gift. Second, figure out exactly how much you can spend in total this year and not go into debt. Finally, decide how much of your available cash you will spend on each person.

Sounds simple, but it takes a strong will sometimes.

For example: Amount of funds available to purchase gifts: $500

Create a list of people you want to purchase a gift. As an example: Grandma, Mom, Dad, Brother, Sister, Spouse and child. A total of 7 people or $71 each. Using a chart, you can divide up the $500 any way you want, but do not spend more than $500. Therefore, you can spend $50 on Grandma, $10 on your brother, $100 on your spouse, etc. But the total cannot exceed $500. (see attached chart)

For only $149, Capital Budget Strategies, LLC will meet with you 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. Please note: We have a 25% discount for first responders, military and veterans, law enforcement (except ICE), teachers and nurses.

Give us approximately 4 hours of your time and we promise to remove the financial stress in your life! We are available 7 days a week.

Please see our 63 5-Star Google reviews at: https://g.page/r/CWPIT-Xl53R3EB0/review

11/29/2025

Another Google 5-Star Review

M.W. of Austin, TX wrote, "If I could give 10 stars I would! This was the absolute best decision my husband & I made in meeting with Charles. From the first few minutes he put all the fears we had away! He made the process so easy to understand and helped us see how we can be debt free in less than a year and how my husband & I can be in a good spot when he retires. We "walked" in feeling apprehensive and seriously 5 minutes in we were laughing and it was that way the entire rest of the time. He has a way of explaining your finances in simple terms and showing it to you in black and white made it feel doable. I can't wait to visit with him a year from now and show him his skills and direction paid off! Thank you Charles for sharing your gift and most of all sharing it and helping others at an affordable price in these hard economic times! You're AMAZING!!!" November 2025

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Austin, TX

Website

http://www.austinmoneycoach.com/

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