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

Household and Utilities: If you must water your grass, don't do so in the afternoon. Instead, do it in the evening so that heat from the sun doesn't cause the water to evaporate.

Clothing: If you need something new to wear for an event, plan in advance. If you go shopping the day before, you will likely pay more than if you'd planned ahead. If you will only wear the outfit once, consider borrowing it from a friend if possible. Thrift and discount stores are another great option.

Consider This: If you only need to use an item once or twice, borrow or rent it instead of purchasing it.

Food (Grocery & Eating Out): If you regularly purchase an item, know its regular price so that you can easily recognize a bargain. You may even want to carry a short list of the prices of items you frequently buy.

Household and Utilities: If you rely solely on your cell phone, consider eliminating your home phone. If you do retain your home phone, be sure that you aren't paying for extra options you don't use.

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 Time Saving Tips

Home: When you watch T.V., fold the laundry or clip the coupons. You can eliminate some work while watching your favorite show!

Home: When your life is busy and stressful, sleep. Just as relaxation and recreation are necessary to help you recover from a busy day, a good night's sleep will help you to rejuvenate so that you can be ready to pursue your goals.

Home: While a consistent schedule is beneficial, it is not always practical when cleaning. Don't dust the room because you always dust the room on Mondays and Fridays; dust it if it's dirty. Evaluate your cleaning schedule to be sure you aren't doing more work than you need to. Adjust your schedule accordingly.

Work: While delegation is generally a means to efficiency, it can sometimes create frustration and poor results. Be careful to delegate tasks to the correct people, those who understand them and can complete them well. Also be clear as to who has which responsibilities. Accidentally assigning the task to multiple people is a huge time waster.

Consider This: While multitasking is often detrimental when doing two or more needed tasks, it can work when one task requires little or no thought. For instance, if you want to listen to music, do it while you clean the house. Call your mother during your evening walk.

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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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 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.