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

Personal: Learn how to cut hair. While some experimenting may be required at first, many families have learned how to cut their own hair, sometimes saving hundreds of dollars per year.

Recreation / Vacationing / Entertainment: Learn how to make homemade crafts and toys. You will save money while bonding with your children. Various books and websites contain numerous ideas.

Consider This: Learn to analyze the value and necessity of financial risks. If you fail to take the needed risks, you will likely fail to excel, causing you to feel discouraged. On the other hand, taking the wrong risks will cause you to lose financially, making you feel like a failure. Before making a decision, analyze it to determine the potential outcome, both positive and negative, of that risk. Then make your decision and act upon it.

Medical / Health: Learn what your healthcare plan does and does not cover. Do not be afraid to ask questions. Understanding your coverage will aid you in understanding your healthcare options and saving money.

Auto: Maintain a good driving record. In addition to eliminating costly speeding tickets and car accidents, this behavior will often lower the cost of your insurance, saving you a substantial amount of money during your lifetime.

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 Time Saving Tips

Work: When working with a group of people, be clear with responsibilities to avoid confusion and increase responsibility.

Work: When you are at work, be sure to work. Being more efficient while in the office will increase your productivity, enabling you to focus on other things when you are not at work, such as building relationships with your family and friends.

Home: When you are planning something, whether vacation or a birthday party, take notes to avoid wasting time because you forgot the details and had to plan it again.

Home: When you arrive home from work, place your briefcase or any other work-related items in a designated spot so you don't have to waste time searching for them in the morning. You can also gather anything else you will need for the next day the night before.

Work: When you plan a meeting, write an agenda. Distribute it to the others who will attend the meeting beforehand so that they can prepare. During the meeting, be sure to follow it so that you can avoid getting off track and wasting time. Also be sure to start meetings on time. For instance, if you start a meeting for ten people five minutes late, you are wasting more than five minutes. You are wasting five minutes per person, a total of fifty minutes! The same principle applies to ending times.

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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.