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

Household and Utilities: If you aren't using your fireplace, close the damper so that outside air doesn't enter through the chimney.

Food (Grocery & Eating Out): If you discover a bargain on a product you frequently use, stock up on it. Be careful, however, to check for expiration dates. It will be useless to you if it expires soon. Purchase only the amount you will realistically use before that date.

Food (Grocery & Eating Out): If you discover a great deal on an item you frequently use, stock up on it. The key is to only do this for items that you will use. Don't buy multiple items just because you found a bargain. It's not a good deal if you don't use it.

Recreation / Vacationing / Entertainment: If you don't read a magazine, cancel your subscriptions. Some libraries offer magazines, so consider this alternative as well.

Consider This: If you don't use something, sell it. Your trash may be someone else's treasure, and you can earn cash for something you don't even need.

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 Time Saving Tips

Priorities: Before beginning a task, identify your goals. You will not accomplish your goals if you don't know what they are. Be sure that the work you do moves you toward those goals.

Goals: Before doing something, consider the consequences. Are they positive or negative? Will this activity add value to your life? When possible, use your time only for things that benefit your life and move you toward your goals.

Consider This: Before leaving for an appointment, call for confirmation. A thirty second phone conversation could save you a thirty minute drive.

Priorities: Being busy is not synonymous with being effective. Be sure that you focus on tasks which move you toward your goals.

Cleaning: Clean from top to bottom to avoid dirtying things you have already cleaned. Dust off furniture before sweeping the carpet.

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 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!

 Links

DaveRamsey.com  www.daveramsey.com

Car Valuation Sites:
 Kelly Blue Book - http://www.kbb.com/
NADA - http://www.nada.com/

Credit Reports/Government Sites:
 www.annualcreditreport.com -- where a consumer can get their credit report free every 12 months.
 Experian - www.experian.com/
 Transunion - www.transunion.com
 Equifax - www.equifax.com
 Federal Trade Commission - www.ftc.gov
 Federal Trade Commission ID Theft Site - www.ftc.gov/bcp/edu/microsites/idtheft
 IRS Withholding Calculator – www.irs.gov/individuals/article/0,,id=96196,00.html

Debt Reduction Calculator:
 Vertex2 - www.vertex42.com/Calculators/debt-reduction-calculator.html

Junk Mail/Phone Calls:
 Stop the Junk Mail (credit) - www.optoutprescreen.com/?rf=t
 Stop the Junk Mail (Direct Marketing) - www.dmachoice.org/dma/member/home.action
 Do Not Call List - www.donotcall.gov/

Online Coupons & Deals:
 Coupon Mountain - ready-to-use coupons and codes - CouponMountain.com
 Coupons.com - printable coupons - www.coupons.com
 SmartSource.com - printable coupons - www.smartsource.com
 DealCatcher.com - up-to-date offers and a user forum - www.dealcatcher.com
 FatWallet.com - search for cash back offers - www.fatwallet.com

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MyFinancialLifeCoach.net 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.