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: Instead of purchasing new clothing every season, find a few inexpensive accessories that can help to update your current wardrobe.

Holiday / Gift: Instead of spending excessive amounts of money on gifts and toys for your children, spend time with them. Love and attention strengthen relationships in ways that money cannot buy, and you will create many fond memories in the process.

Food (Grocery & Eating Out): Instead of throwing away stale bread and buns, use them to make garlic bread. You can even add cheese. You won't know the difference between stale and fresh when it is cooked.

Consider This: Keep a written or typed record of all of your expenses so that you know where your money goes. Using your records, you can determine in which areas you can decrease spending to save money.

Consider This: Keep your change. Go to the bank to trade coins for bills once you have collected enough. Loose change does add up.

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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)

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 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.