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

Food (Grocery & Eating Out): Plan two or three meals simultaneously, especially in regard to meats. For example, if you are grilling chicken tonight, use the leftovers for chicken wraps tomorrow. Find creative ways to make leftover food more than just leftovers.

Auto: Plan your trips in advance to reduce how often you drive. Combine trips when possible to save time and money.

Household and Utilities: Program your computer to go into hibernate mode when it is inactive rather than using a screen saver to reduce operating expenses.

Clothing: Purchase children's clothing a size or two larger than your child actually wears. Since children are known to rapidly outgrow clothing, you will delay the time between replacements.

Clothing: Purchase clothing in neutral colors that can be worn in several seasons with multiple outfits.

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 Time Saving Tips

Consider This: Learn to say ?no.? You will sometimes be asked to do something that doesn't fit your schedule or your goals. If this is the case, you should politely state that you are unable to do the task.

Consider This: Listen to others. They have knowledge and experience which you lack, so you can learn from them without having to make the same mistakes. You can also share your expertise with others.

Home: Maintain a consistent sleeping schedule by going to bed and waking up at the same time each day. This habit will increase your awareness, causing you to be more effective with your time.

Work: Make all of your phone calls at one time since grouping like tasks together increases efficiency. Give coworkers and customers preferred calling hours. When making business calls, determine what you need to speak about before making the call.

Home: Make large chores, such as yard work, a family activity. You will be growing in your relationships while completing tasks at a faster pace. You may even have some fun!

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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.