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

Clothing: Instead of purchasing new clothing every season, find a few inexpensive accessories that can help to update your current wardrobe.

Holiday / Gift: Instead of spending excessive amounts of money on gifts and toys for your children, spend time with them. Love and attention strengthen relationships in ways that money cannot buy, and you will create many fond memories in the process.

Food (Grocery & Eating Out): Instead of throwing away stale bread and buns, use them to make garlic bread. You can even add cheese. You won't know the difference between stale and fresh when it is cooked.

Consider This: Keep a written or typed record of all of your expenses so that you know where your money goes. Using your records, you can determine in which areas you can decrease spending to save money.

Consider This: Keep your change. Go to the bank to trade coins for bills once you have collected enough. Loose change does add up.

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 Time Saving Tips

Cleaning: Take off shoes or wipe your feet before entering your home to avoid distributing dirt which will later need to be cleaned up. Teach children the importance of this habit.

Goals: Take time to periodically evaluate your goals. Are you pursuing them? Is your plan working? Are there things you need to change?

Consider This: Take time to think. Periodically take a break to evaluate how you are managing your time. Don't become so focused on your schedule that you fail to notice whether or not it's working.

Home: Teach your children how to do simple household tasks. You will be spending time with them, teaching them valuable skills, increasing their responsibility, and saving yourself time.

Home: Teach your kids how to tie their own shoelaces. If they are ready to do something on their own, invest some time in instructing them. While the teaching will require extra time, you will save time as your children become more independent. You can also allow older children to help teach their younger siblings.

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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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Disclaimer

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.