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

Clothing: Rather than becoming discouraged by what you can't afford financially, search for similar items and activities which you can afford. If you can't purchase new, name-brand clothing, buy the same brands used at a much lower price at a resale store or garage sale. If you can't afford a dinner out with friends, host a potluck at your home.

Food (Grocery & Eating Out): Rather than going out with friends, invite them to a cookout or movie night at your home. You can have all the fun without the expense.

Recreation / Vacationing / Entertainment: Rather than hiring a babysitter, trade childcare with friends or neighbors. Another option is to hire one babysitter to watch children for several families simultaneously so that you only have to pay a fraction of the cost.

Household and Utilities: Regularly defrost your refrigerator and freezer to increase product efficiency and reduce expenses.

Holiday / Gift: Remember that gifts are not equal to love. Many children appreciate spending time with their parents more than receiving a new gift. Instead of purchasing things for your children, give them your time, attention, and love.

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 Time Saving Tips

Home: Throw away junk mail instead of tossing it on the table. There is no need to handle it twice.

Cleaning: Throw out old newspapers and magazines that you've already read. If you haven't read it yet, consider whether or not you will. If you won't, pitch it.

Priorities: Time management is not about getting things done. It's about getting the right things done.

Work: To avoid distraction from conversation, do not position your desk facing the door. The lack of eye contact will discourage unimportant interruption from others. Also close your door either part way or entirely.

Work: To make your phone calls more effective, call at a time when the person will likely answer. This strategy helps you avoid the distracting and time consuming game of telephone tag. Place any necessary information in front of you before making the call. Also include a list of questions when needed.

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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

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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.