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 must water your grass, don't do so in the afternoon. Instead, do it in the evening so that heat from the sun doesn't cause the water to evaporate.

Clothing: If you need something new to wear for an event, plan in advance. If you go shopping the day before, you will likely pay more than if you'd planned ahead. If you will only wear the outfit once, consider borrowing it from a friend if possible. Thrift and discount stores are another great option.

Consider This: If you only need to use an item once or twice, borrow or rent it instead of purchasing it.

Food (Grocery & Eating Out): If you regularly purchase an item, know its regular price so that you can easily recognize a bargain. You may even want to carry a short list of the prices of items you frequently buy.

Household and Utilities: If you rely solely on your cell phone, consider eliminating your home phone. If you do retain your home phone, be sure that you aren't paying for extra options you don't use.

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 Time Saving Tips

Organizing: Organize your shopping list by category. For example, place all of the produce items together. This method makes shopping faster and less stressful since the order of your list matches the setup of the store.

Organizing: Organize your work. Keep separate files for different projects so that the information is located together.

Procrastination: Perfectionism can often cause people to procrastinate since they fear failure. If you are a procrastinating perfectionist, realize that you cannot always be perfect. Work on overcoming your perfectionism so that you will be less fearful and more productive. Accepting the fact that you do not have to be perfect will also reduce your stress level.

Consider This: Place a realistic time constraint on your activities. If you allow too much time, you waste time in which you could have accomplished something else. If you schedule too little, you will become overwhelmed and discouraged if you are unable to finish the task well and on time.

Cleaning: Place rugs or doormats at all entrances to your home so people can wipe off their shoes before coming inside. You can avoid many time-consuming messes.

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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.