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

Personal: Learn how to cut hair. While some experimenting may be required at first, many families have learned how to cut their own hair, sometimes saving hundreds of dollars per year.

Recreation / Vacationing / Entertainment: Learn how to make homemade crafts and toys. You will save money while bonding with your children. Various books and websites contain numerous ideas.

Consider This: Learn to analyze the value and necessity of financial risks. If you fail to take the needed risks, you will likely fail to excel, causing you to feel discouraged. On the other hand, taking the wrong risks will cause you to lose financially, making you feel like a failure. Before making a decision, analyze it to determine the potential outcome, both positive and negative, of that risk. Then make your decision and act upon it.

Medical / Health: Learn what your healthcare plan does and does not cover. Do not be afraid to ask questions. Understanding your coverage will aid you in understanding your healthcare options and saving money.

Auto: Maintain a good driving record. In addition to eliminating costly speeding tickets and car accidents, this behavior will often lower the cost of your insurance, saving you a substantial amount of money during your lifetime.

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 Time Saving Tips

Cleaning: Don't clean everything on the same time schedule. For instance, horizontal surfaces attract dirt and dust more quickly than vertical ones, so clean horizontal surfaces more often. Don't feel a need to clean the ones that aren't dirty.

Organizing: Don't do everything yourself. Instead, learn to delegate tasks which can be done by someone else. For example, allow children to help with some of the housework. This will save you time and teach them responsibility.

Consider This: Don't expect new results from your current methods. Improvement requires change.

Consider This: Don't fear failure. You must often fail before your succeed. Instead of focusing on failure, focus on effort. Be persistent.

Priorities: Don't skip the difficult items on your to-do list. Instead, reward yourself when you accomplish them.

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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!

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.