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: During warm weather, avoid using heat-generating appliances, such as ovens, during the warmer parts of the day. Instead, use them during the morning and evening.

Household and Utilities: Eliminate or reduce your cable. This will save you both money and time. The time you save by reducing T.V. time can be used for activities which will help you grow closer to your family and friends.

Consider This: Establish an emergency fund as quickly as you can. This may involve selling possessions or working more. You never know when an unexpected expense will arrive, so be prepared at all times.

Household and Utilities: Full refrigerators are cheaper to cool than empty ones, so keep yours fairly full. Don't, however, overfill it so that it won't close properly.

Recreation / Vacationing / Entertainment: Go to movies during the day since most theaters offer lower ticket prices during certain hours. Better yet, borrow a movie from the library or a friend.

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 Time Saving Tips

Organizing: Type up instructions for babysitters and save them on your computer so you don't need to rewrite them each time. Hang the sheet on the refrigerator.

Work: Understand the quality of work needed for a particular task. If it doesn't have to be perfect, strive for excellence. Perfectionism wastes time and increases stress.

Priorities: View learning as an investment. While it may require time and effort, it can produce tremendous results. If you don't have the time to increase your knowledge, consider reevaluating your priorities.

Home: When baking cookies, double or triple the recipe. Store the extras in the freezer.

Cleaning: When cleaning, don't make your home look perfect. Learn the importance of ?good enough.?

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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.

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Car Valuation Sites:
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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:
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 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 -

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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.