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: Don't cosign on a loan. There is a reason the lender won't allow the person to borrow money alone. If you do cosign on a loan, realize that you will possibly pay for it.

Consider This: Don't disregard the value of loose change. Store it in a central location so that you can later trade it in for cash to spend.

Household and Utilities: Don't feel a need to run your air conditioning all summer. Instead, use windows and fans on days that aren't too hot.

Auto: Don't keep objects such as bike racks and car top carriers on your vehicle. Attaching extra items to your vehicle increases air drag and decreases gas mileage.

Auto: Don't leave unneeded items, especially heavy ones, in your vehicle. The additional weight decreases gas mileage.

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 Time Saving Tips

Priorities: Schedule your priorities first. Once you have set aside for the things most important to you, you can add extra items to your schedule if time allows.

Work: Search for a career which enables you to pursue your goals. You will be more satisfied and effective if the two align.

Goals: Set deadlines for your goals. This will help you to hold yourself accountable and to break a larger goal into smaller, more manageable portions. When you have a deadline, you feel more compelled to begin and complete a project.

Priorities: Set goals for what you want to accomplish, both short-term and long-term. Before starting a task, ask, ?How will this further me in reaching my goals?? Be sure that your everyday actions help you to attain your goals. These activities should have the highest priority.

Consider This: Set time limits on your activities which you follow. Realizing that your time is limited will likely aid you in accomplishing the task faster and more efficiently.

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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.