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

Food (Grocery & Eating Out): Don't make special trips to the store to purchase food items. Instead, plan ahead so that you have all the necessary food. If you don't have an ingredient, modify the recipe or make something else. Limiting how often you go to the grocery store can cause you to make better use of the food you have instead of just buying more.

Consider This: Don't overestimate the power of small expenses. By eliminating things such as the monthly cable bill and daily meals out, you can save a substantial amount of money.

Auto: Don't overlook public transportation. It is sometimes cheaper than a commute for an individual, and you may be able to work while riding, reducing your time in the office.

Household and Utilities: Don't pay for electricity you don't use. Unplug phone chargers and other electronics when not in use and turn off your computer. TVs and DVD players can be plugged into power strips that you turn off when these appliances are not needed.

Household and Utilities: Don't pay for heat and air conditioning you don't use. If you don't frequently use a room during the winter or summer, close it off. Shut the vents and doors instead of paying to control its temperature.

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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.