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: Remove lint from the dryer's screen before washing a load of laundry. Several times each year, you should also remove any lint from the outside exhaust vent.

Household and Utilities: Replace high wattage bulbs with lower ones.

Holiday / Gift: Save money for Christmas. Rather than borrowing money in December, try saving a little each month so that you can purchase gifts for your family and friends. Also consider homemade gifts which are cheaper and more personal.

Auto: Schedule the times you refuel your car. In general, gas prices are higher on the weekends and on holidays, so plan accordingly. If you plan on a daytrip during the weekend, fill up your car on Thursday rather than Friday.

Household and Utilities: Schedule time for laundry. Instead of waiting until you need something, wash clothing on a regular basis in full loads. If you know you will need a particular item washed at a certain time, plan to have a full load then.

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 Time Saving Tips

Cleaning: Put things away. Also, be sure to store things in convenient locations near where you use them.

Home: Rather than aimlessly surfing the web for hours, set a time limit. Once the allotted time has passed, turn off the computer.

Work: Rather than assuming, ask your boss what he expects of you. Ask him what you do that does and does not work for him. You cannot fulfill his expectations if you don't understand them.

Work: Rather than jumping from one task to the next, try grouping like tasks together. By completing similar tasks near one another, you will increase your productivity.

Consider This: Rather than learning through trial and error, read the instructions before attempting a task. This is especially beneficial when learning about new software. Follow the instructions before experimenting on your own.

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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:
 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 -

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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.