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

Consider This: Use your financial past to your advantage. If you failed, learn from your mistakes and adjust your habits accordingly. If you succeeded, understand how you did well so that you can continue and improve upon your success.

Recreation / Vacationing / Entertainment: Vacationing during the offseason is generally less expensive. It also gives you a higher negotiating power. Since many airlines and hotels are short on customers during certain times of the year, they are more willing to offer discounts. Don't be afraid to ask for a discount before making your reservation.

Auto: When approaching a hill, accelerate slightly, but do not speed up as you ascend the hill. Instead, maintain a consistent speed before coasting down the other side.

Auto: When beneficial, work near where you live to reduce travel costs. Not only will you save money on gas, but your vehicle will last longer. Sometimes, however, this is not the most cost effective option. At times a neighboring community will have much lower living expenses, so research the costs before decided where to live and work.

Consider This: When buying something, consider your motives. Are you making this purchase to keep up with the Joneses? Is it for temporary happiness or out of boredom? Do not carelessly spend your money. Instead, understand your motives and be certain they are the proper ones. Your purchases should line up with your goals and values. If they do not, you should not be making them.

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 Time Saving Tips

Consider This: Remember that improving your time management is a process. It takes time, so don't be discouraged. Set several small goals so that you can feel a sense of accomplishment when you reach them.

Procrastination: Remember that not doing something now isn't always poor time management. For instance, it is wise to ?procrastinate? on an unimportant task if something of higher priority must also be done. Just be sure that you have the proper motives for delaying a task.

Priorities: Remember that you do not have enough time to get everything done. You never will. Instead, you must prioritize by deciding which tasks are and are not important. Work on the important jobs first to ensure they are completed.

Consider This: Schedule breaks into your day. These can help you to relax before returning to work.

Home: Schedule breaks to relax and to exercise. Personal time is critical, even in the midst of a busy day. To ensure that it happens, plan it in advance. Relaxing and exercising will increase your health, happiness, and productivity.

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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.