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

Holiday / Gift: When someone gives you a gift, don't throw out the bag. It can later be reused, just be sure not to give it back to the original owner.

Household and Utilities: When the outdoor temperature is high, close the shades of windows facing the sun. This simple step prevents unneeded heat from entering your home.

Household and Utilities: When using an electric burner or oven, turn off the heat several minutes before you are done heating the food. The heat will remain long enough to finish cooking, and you will use less electricity with the same results.

Medical / Health: When working with healthcare providers, ask whether or not they are in your network before utilizing their services. If they are not, you will likely pay a higher percentage if not all of the bill.

Consider This: When you are shopping, only carry cash. This will prevent you from spending money you don't have, and it will make you think twice before making a costly purchase. If you really need it but don't have the money with you, you can always come back later.

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 Time Saving Tips

Organizing: Organize your shopping list by category. For example, place all of the produce items together. This method makes shopping faster and less stressful since the order of your list matches the setup of the store.

Organizing: Organize your work. Keep separate files for different projects so that the information is located together.

Procrastination: Perfectionism can often cause people to procrastinate since they fear failure. If you are a procrastinating perfectionist, realize that you cannot always be perfect. Work on overcoming your perfectionism so that you will be less fearful and more productive. Accepting the fact that you do not have to be perfect will also reduce your stress level.

Consider This: Place a realistic time constraint on your activities. If you allow too much time, you waste time in which you could have accomplished something else. If you schedule too little, you will become overwhelmed and discouraged if you are unable to finish the task well and on time.

Cleaning: Place rugs or doormats at all entrances to your home so people can wipe off their shoes before coming inside. You can avoid many time-consuming messes.

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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.