Worksheets/Other Resources

Balance Up - The 8 Steps PDF
CreditReportDisputeLetterTemplate PDF
Cutting Your Costs Savings Chart PDF
44MoneySavingTips PDF
Ledger Tracking Sheet PDF  Excel
Master To Do List PDF
Pro Rata Sample Letter PDF
Pro Rata Sample Letter - Recently Single PDF
Recommended Percentage Guidelines PDF
WorkplaceSolutions PDF

 Money Saving Tips

Consider This: Use your financial past to your advantage. If you failed, learn from your mistakes and adjust your habits accordingly. If you succeeded, understand how you did well so that you can continue and improve upon your success.

Recreation / Vacationing / Entertainment: Vacationing during the offseason is generally less expensive. It also gives you a higher negotiating power. Since many airlines and hotels are short on customers during certain times of the year, they are more willing to offer discounts. Don't be afraid to ask for a discount before making your reservation.

Auto: When approaching a hill, accelerate slightly, but do not speed up as you ascend the hill. Instead, maintain a consistent speed before coasting down the other side.

Auto: When beneficial, work near where you live to reduce travel costs. Not only will you save money on gas, but your vehicle will last longer. Sometimes, however, this is not the most cost effective option. At times a neighboring community will have much lower living expenses, so research the costs before decided where to live and work.

Consider This: When buying something, consider your motives. Are you making this purchase to keep up with the Joneses? Is it for temporary happiness or out of boredom? Do not carelessly spend your money. Instead, understand your motives and be certain they are the proper ones. Your purchases should line up with your goals and values. If they do not, you should not be making them.

Refresh this page to see more money savings tips!

 Newsletter Sign Up

your name (your email)  

 Time Saving Tips

Priorities: Always remember what your goals are. Keep a written list or put up visual reminders to ensure that you strive to reach them.

Cleaning: As far as time management is concerned, cleaning is like other tasks. Develop a plan before you begin to aid you in staying on track and finishing on time.

Work: At work, know exactly what is expected of you. Once you know your employer's priorities, you can focus on accomplishing what your boss expects you to do first. Focus on lower priority items later.

Work: At work, know who is in charge of each assignment so that if necessary you can go straight to the source with any questions.

Organizing: Attach a piece of paper to the refrigerator. As you cook, record any items you will soon need to purchase.

Refresh this page to see more time savings tips!

 Bryan's Blog/Articles

Do You Live Like an Inbox?  (Mar 06, 2013)
I’ll Blow the Budget Tomorrow  (Feb 27, 2013)
“Someone is sitting in the shade today b  (Feb 25, 2013)
Did you get up this morning and say a) G  (Feb 25, 2013)
Success is a matter of understanding and  (Feb 22, 2013)
Personal Improvement: Interest Isn’t the Only Thing that Compounds!  (Feb 20, 2013)
Are you looking for options with Financi  (Feb 18, 2013)
These People are Toxic!  (Feb 13, 2013)
Is This the Life YOU Want?  (Feb 06, 2013)
What about the Past?  (Jan 30, 2013)

Visit Bryan's Blog

 Balance Up!

Balance Up: 42 Days to Maximize, Energize, and Organize Your Life.

 Contact Us!

Got a question? How about some feedback? We'd love to hear from you!


Car Valuation Sites:
 Kelly Blue Book -

Credit Reports/Government Sites: -- where a consumer can get their credit report free every 12 months.
 Experian -
 Transunion -
 Equifax -
 Federal Trade Commission -
 Federal Trade Commission ID Theft Site -
 IRS Withholding Calculator –,,id=96196,00.html

Debt Reduction Calculator:
 Vertex2 -

Junk Mail/Phone Calls:
 Stop the Junk Mail (credit) -
 Stop the Junk Mail (Direct Marketing) -
 Do Not Call List -

Online Coupons & Deals:
 Coupon Mountain - ready-to-use coupons and codes - - printable coupons - - printable coupons - - up-to-date offers and a user forum - - search for cash back offers -

 Tell a Friend!

From: your name (your email)



Comments from Bryan's clients:

 Member Login 
Not a Member Yet? Sign Me Up!

Disclaimer is a financial coaching service. The information provided is believed to be reliable, but its accuracy and completeness are not guaranteed nor are any specific results guaranteed. It is provided with the understanding that the counselor/coach is not engaged to render legal, accounting or other professional advice. Since your situation is fact dependent, you must additionally seek the services of an appropriate licensed legal, accounting, or investment services.

In accordance with IRS Circular 230, any US federal tax information provided in this document is not intended or written to be used to avoid tax penalties that may be imposed on the recipient or any other taxpayer, or to promote, market or recommend a partnership, entity, investment strategy, arrangement or other transaction addressed herein.