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

Food (Grocery & Eating Out): Don't make special trips to the store to purchase food items. Instead, plan ahead so that you have all the necessary food. If you don't have an ingredient, modify the recipe or make something else. Limiting how often you go to the grocery store can cause you to make better use of the food you have instead of just buying more.

Consider This: Don't overestimate the power of small expenses. By eliminating things such as the monthly cable bill and daily meals out, you can save a substantial amount of money.

Auto: Don't overlook public transportation. It is sometimes cheaper than a commute for an individual, and you may be able to work while riding, reducing your time in the office.

Household and Utilities: Don't pay for electricity you don't use. Unplug phone chargers and other electronics when not in use and turn off your computer. TVs and DVD players can be plugged into power strips that you turn off when these appliances are not needed.

Household and Utilities: Don't pay for heat and air conditioning you don't use. If you don't frequently use a room during the winter or summer, close it off. Shut the vents and doors instead of paying to control its temperature.

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 Time Saving Tips

Cleaning: Take off shoes or wipe your feet before entering your home to avoid distributing dirt which will later need to be cleaned up. Teach children the importance of this habit.

Goals: Take time to periodically evaluate your goals. Are you pursuing them? Is your plan working? Are there things you need to change?

Consider This: Take time to think. Periodically take a break to evaluate how you are managing your time. Don't become so focused on your schedule that you fail to notice whether or not it's working.

Home: Teach your children how to do simple household tasks. You will be spending time with them, teaching them valuable skills, increasing their responsibility, and saving yourself time.

Home: Teach your kids how to tie their own shoelaces. If they are ready to do something on their own, invest some time in instructing them. While the teaching will require extra time, you will save time as your children become more independent. You can also allow older children to help teach their younger siblings.

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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.