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


 Money Saving Tips

Household and Utilities: If you want to save money by not running the air conditioning but stay home during the day, go somewhere that has air conditioning during the warmer part of the day. Schedule your trips to the grocery store or library then. Besides avoiding the heat, you will likely be avoiding the crowds as well.

Recreation / Vacationing / Entertainment: If you would like to go out to eat for a large meal, try lunch. Many restaurants offer lunch specials at prices much lower than dinner prices while still giving you the same amount and quality of food.

Household and Utilities: If you're running your air conditioning on a hot day, consider grilling outside or preparing a cold meal rather than turning on the oven or stove. By not heating up the house, you will conserve energy by lessening the work of your air conditioner.

Holiday / Gift: If your child has a special, expensive activity he would like to do for his birthday, plan two parties. The first party should be larger and cheaper. For example, you could invite his classmates and neighborhood friends to a homemade dinner and a movie in your home. Your family and a friend or two can be invited to the second party which includes the more expensive activity. Few children are opposed to having two parties.

Consider This: If your children often persuade you to purchase the more expensive school supplies, shop alone. Select the supplies yourself.

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 Time Saving Tips

Consider This: Be aware of opportunities. When you discover them, act upon them. Opportunities are useless if you don't pursue them.

Consider This: Be honest with yourself about your shortcomings. Identify them and seek solutions. Ignoring a problem solves nothing. Active measures must be taken. Furthermore, do not view your problems in a negative light. See them as the opportunity to improve yourself and your life.

Organizing: Be organized. While everything does not need to be spotless, you should know where things are. Don't needlessly waste time searching for lost items.

Priorities: Be sure that the items on your schedule will aid you in reaching your goals. Your goals must determine your schedule, not your schedule determine your goals.

Goals: Be sure that your self-talk corresponds to your goals. If you wish to fail, criticize yourself, but if you wish to succeed, encourage yourself. Keep a positive attitude. Also, think about the things that you plan to accomplish.

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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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 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


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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.