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: If you stain your clothing, treat it quickly to avoid ruining it. You don't want to have to spend additional money replacing stained clothing.

Auto: If you take a driving course after receive a speeding ticket, speak with your insurance agent. Some companies will lower your rate if you take this type of a class.

Consider This: If you want to get out of debt, DON'T BORROW MONEY. You will never attain your goal if you continue the habit which caused your financial problems. Establishing an emergency fund will aid you in this process since you will be prepared for crisis.

Clothing: If you want to purchase designer clothes, don't pay full price. Search in resale stores or on eBay where you can often find them for low prices. They may even cost the same as a cheaper brand if you shop in this manner.

Recreation / Vacationing / Entertainment: If you want to read a book, borrow it from a friend or the library. Garage sales are also another great source of books since you can often purchase a book in excellent condition for around 25 or 50 cents.

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 Time Saving Tips

Organizing: Place your phonebook near your phone. Lay a notebook and pencil nearby to take notes.

Priorities: Plan in advance for large and important events. You do not need to wait until the last minute. The project will be less stressful and better done if you properly plan. Devise a schedule to ensure that everything is done at a convenient time.

Home: Plan lunches in advance so that you don't waste time deciding what to pack each morning. Plan a basic menu at the beginning of the week and pack what you can the night before.

Consider This: Practice good eating, sleeping, and exercising habits. Maintaining your health will increase your focus and productivity.

Consider This: Problems, like goals, must be clearly defined. You cannot solve them if you don't know what they are. You must name the problem, search for solutions, seek advice, and implement the best answer.

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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.