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: Only preheat your oven when absolutely necessary and avoid opening the oven more than is needed.

Household and Utilities: Placing foil on oven racks decreases circulation, causing food to cook slower and less efficiently. Leaving the racks uncovered increases savings. Staggering pans on the various racks improves air flow.

Recreation / Vacationing / Entertainment: Plan a family game night. This could include sports, board games, or any other activity. Playing these games is beneficial to your health, relationships, and finances. If possible, schedule this on a regular basis.

Recreation / Vacationing / Entertainment: Plan for a trip or vacation as you would any other expense. Save a set amount of money each month as a part of your budget.

Holiday / Gift: Plan for birthdays and holidays in advance. If you are hosting the party or just buying a gift, be sure that you have budgeted for the expense. You may need to add a gifts or parties section to your budget so you can save for them monthly.

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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:
 Vertex2 -

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.