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

Consider This: Oftentimes, people try to appear rich to impress others. This lifestyle may temporarily deceive others, but it can be devastating financially. Do not fall prey to spending money you don't have simply to appear successful.

Auto: On hot days, park your car in the shade so that the air conditioning doesn't have to work as hard to cool down the vehicle once you restart it.

Clothing: Only buy clothing that you absolutely love. If you don't love it at the store, will you wear it, or it hang in your closet with the price tags still on it for the next two years?

Food (Grocery & Eating Out): Only go to the store to make predetermined purchases. Decide exactly what you will buy and how much you will pay.

Consider This: Only make purchases with money you already have. If you don't have the money, don't buy it.

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 Time Saving Tips

Cleaning: Clean while you cook. After you have used an ingredient, put it away.

Home: Cook food in bulk and freeze the extra for future meals. This can save tremendous time and stress when you need a meal later.

Goals: Decide which of your goals are the most important to you and pursue them. Don't just dream; find ways of implementing a successful plan. Your dreams and goals will never be realized without action.

Priorities: Determine which activities are of greatest priority. Accomplish these tasks first. Do not waste time on less important items before you have completed those of highest priority.

Work: Develop a schedule to aid you in becoming more efficient. Schedule both work and 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 -
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 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.