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

Recreation / Vacationing / Entertainment: Go to the library. Instead of seeing movies in the theater or purchasing them, check out new movies from the library. Be sure to enter your name on the waiting list as soon as the movie comes out so that you can see it sooner.

Household and Utilities: Have a licensed professional clean and service your air conditioner and furnace to ensure efficiency and extend equipment life.

Clothing: Have both nice and play clothes for your children. When they arrive home from school, have them change into their play clothes so that the nicer ones last longer.

Household and Utilities: Heating water is expensive, so use less hot water. This can be accomplished through taking shorter showers and washing full loads of dishes and clothing.

Consider This: How much money do you spend on your pets? While pets are fun and often part of the family, they are often costly. Consider reducing pet expenses. For example, instead of paying for a kennel, pay the neighbor kid to care for your pet while you're on vacation. Better yet, trade with a friend so that the care is free. Also, does Buddy really need that name brand, canned dog food that looks almost like human food?

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 Time Saving Tips

Organizing: Rather than relying solely upon your memory, write things down. Write legibly to avoid wasting time later trying to determine what you wrote. Store the notes in an organized manner so that you find and use them.

Consider This: Rather than setting the deadline as ?later? or ?soon,? set a definite time or day. If you don't schedule it, it will likely fail to materialize.

Priorities: Rather than viewing it as worthless or of little value, place a dollar value on your time. Whenever you consider an activity, decide whether or not it's worth the dollar value of your time.

Home: Record television shows instead of watching them so you can save time by skipping the commercials. Some shows are also available online.

Work: Remaining calm and positive at work will aid you in retaining your mental energy needed for success.

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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.