Car Valuation Sites:
 Kelly Blue Book -

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:
 Stop the Junk Mail (credit) -
 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 -

 Money Saving Tips

Food (Grocery & Eating Out): When planning a gathering of friends or family, have a potluck or picnic where everyone contributes to the menu. It will be more memorable and affordable.

Consider This: When possible, only use ATM's if they are free. Avoid paying unnecessary fees to access your own money. If you know you'll need cash, prepare in advance by withdrawing the money ahead of time.

Household and Utilities: When possible, wash your laundry in cold water.

Clothing: When purchasing clothing, look for items that can be used in multiple outfits. For example, don't buy a jacket that will only match one or two shirts. Instead, purchase one which can be worn with a variety of shirts to give you more outfits for your money.

Recreation / Vacationing / Entertainment: When purchasing plane tickets, plan your trip far in advance and be flexible with the dates. If you check the prices of multiple airlines several months in advance, you will likely discover tremendous savings. Also discover the cost of travel several days before and after your ideal timing. You may be able to save several hundred dollars by leaving a day earlier or later. Also consider avoiding weekends and holidays when possible as they are generally the most expensive times to fly.

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 Time Saving Tips

Organizing: If you frequently do work at home, either for your career or for yourself, invest in a useable desk. This will prevent you from burying the kitchen table with your work, and you will have a place to leave out things you are currently working on. Be sure to keep it organized and useable.

Home: If you have a certain skill you enjoy using, consider transforming your hobby into extra cash. For example, if you enjoy fixing bikes, purchase cheap, broken bikes to fix and resell. You can make money and have fun at the same time.

Goals: If you have a goal, define it, make a plan, and pursue it! You can't have success without a plan for action.

Procrastination: If you have a tendency of procrastinating on a task, schedule a time to do it. Also consider breaking it down into smaller, more manageable portions, and ask someone else to hold you accountable for completing it.

Priorities: If you have organized and prioritized your life, you will be able to pursue new opportunities as they appear. Without this lifestyle of preparation, however, you will likely miss out. You cannot add new aspects to your life until you learn to manage the ones you already have.

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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)

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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 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.