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

Consider This: Be sure to discuss money saving strategies with your family so that everyone understands the goals and expectations.

Holiday / Gift: Before Christmas with the family, consider setting cost limitations on the gifts. This will reduce costs and stress from competing for the most expensive gift. It will also help those who are experiencing financial difficulties.

Recreation / Vacationing / Entertainment: Before going on a trip, write a packing list. It will aid you in remembering what you need so that you don't have to purchase items at higher prices on your trip.

Household and Utilities: Before purchasing the second freezer or refrigerator, determine whether or not you can justify the additional expense. If you do purchase one, avoid placing it in an unconditioned garage if possible.

Recreation / Vacationing / Entertainment: Before traveling, determine whether flying or driving is cheaper. If you do fly, buy tickets in advance and avoid flying on the weekends. Do your research to determine the cheapest dates to travel, both for transportation and accommodations.

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 Time Saving Tips

Work: Discover when you are the most focused. Most people work better during certain parts of the day, so become familiar with your personal pattern. When possible, work during the time you are most alert and concentrated.

Cleaning: Do not allow paper and e-mails to pile up. Regularly sort through them to discard what is unnecessary. This will prevent stressful mess in the future. It will also aid you in more easily finding your work.

Work: Do not attempt a difficult task at the end of the day. Instead, select something easy so that you can feel successful as you end your work.

Consider This: Do not be content with your current level of education. This does not, however, necessarily mean that you must return to school. There are a vast number of resources available for educating yourself, and many of them are free. Use them. You will not advance unless your knowledge advances

Consider This: Do not create a schedule that is so tight it allows for no interruptions or emergencies. Allow a small amount of flexible time and avoid waiting until the deadline to complete things.

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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 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.