Links

DaveRamsey.com  www.daveramsey.com

Car Valuation Sites:
 Kelly Blue Book - http://www.kbb.com/
NADA - http://www.nada.com/

Credit Reports/Government Sites:
 www.annualcreditreport.com -- where a consumer can get their credit report free every 12 months.
 Experian - www.experian.com/
 Transunion - www.transunion.com
 Equifax - www.equifax.com
 Federal Trade Commission - www.ftc.gov
 Federal Trade Commission ID Theft Site - www.ftc.gov/bcp/edu/microsites/idtheft
 IRS Withholding Calculator – www.irs.gov/individuals/article/0,,id=96196,00.html

Debt Reduction Calculator:
 Vertex2 - www.vertex42.com/Calculators/debt-reduction-calculator.html

Junk Mail/Phone Calls:
 Stop the Junk Mail (credit) - www.optoutprescreen.com/?rf=t
 Stop the Junk Mail (Direct Marketing) - www.dmachoice.org/dma/member/home.action
 Do Not Call List - www.donotcall.gov/

Online Coupons & Deals:
 Coupon Mountain - ready-to-use coupons and codes - CouponMountain.com
 Coupons.com - printable coupons - www.coupons.com
 SmartSource.com - printable coupons - www.smartsource.com
 DealCatcher.com - up-to-date offers and a user forum - www.dealcatcher.com
 FatWallet.com - search for cash back offers - www.fatwallet.com


 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

Consider This: Stop waiting. People waste countless hours waiting for children, appointments, and other things. Take advantage of the time. Bring along some small task to work on while you wait.

Organizing: Store car keys and phone chargers in a designated spot to avoid needlessly searching for them.

Cleaning: Store cleaning supplies you frequently use in small container you can carry from room to room. There is no need to run to the closet five times.

Consider This: Strong, negative emotions tend to drain people's energy, making them less effective. Maintain a calm, optimistic attitude in the midst of difficulty and strife in order to retain your energy and positive outlook on life.

Goals: Surround yourself with people and things that will encourage you to reach your financial goals. Spend time with people who have control of their finances and read articles about people who have reached their financial goals.

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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

MyFinancialLifeCoach.net 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.