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 want to save money by not running the air conditioning but stay home during the day, go somewhere that has air conditioning during the warmer part of the day. Schedule your trips to the grocery store or library then. Besides avoiding the heat, you will likely be avoiding the crowds as well.

Recreation / Vacationing / Entertainment: If you would like to go out to eat for a large meal, try lunch. Many restaurants offer lunch specials at prices much lower than dinner prices while still giving you the same amount and quality of food.

Household and Utilities: If you're running your air conditioning on a hot day, consider grilling outside or preparing a cold meal rather than turning on the oven or stove. By not heating up the house, you will conserve energy by lessening the work of your air conditioner.

Holiday / Gift: If your child has a special, expensive activity he would like to do for his birthday, plan two parties. The first party should be larger and cheaper. For example, you could invite his classmates and neighborhood friends to a homemade dinner and a movie in your home. Your family and a friend or two can be invited to the second party which includes the more expensive activity. Few children are opposed to having two parties.

Consider This: If your children often persuade you to purchase the more expensive school supplies, shop alone. Select the supplies yourself.

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 Time Saving Tips

Consider This: Learn to say ?no.? You will sometimes be asked to do something that doesn't fit your schedule or your goals. If this is the case, you should politely state that you are unable to do the task.

Consider This: Listen to others. They have knowledge and experience which you lack, so you can learn from them without having to make the same mistakes. You can also share your expertise with others.

Home: Maintain a consistent sleeping schedule by going to bed and waking up at the same time each day. This habit will increase your awareness, causing you to be more effective with your time.

Work: Make all of your phone calls at one time since grouping like tasks together increases efficiency. Give coworkers and customers preferred calling hours. When making business calls, determine what you need to speak about before making the call.

Home: Make large chores, such as yard work, a family activity. You will be growing in your relationships while completing tasks at a faster pace. You may even have some fun!

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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:
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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.