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

Consider This: When you consider buying something, question that decision. Do you really need it? Wait at least a week before making a large purchase so that you have time to consider it. If you decide to buy it, spend time searching for deals.

Household and Utilities: When you cook vegetables, use only a minimal amount of water and avoid overcooking them. Not only does overcooking cost more, but it also reduces the nutritional value.

Food (Grocery & Eating Out): When you go out to eat, drink water instead of soda. It is both free and healthy.

Food (Grocery & Eating Out): When you go out to eat, skip the drinks and dessert. For example, say a family of four purchased four drinks at $1.50 each and four desserts costing $2.50 each. If they were to eliminate those items, they could save $16 every time they go out to eat. If they only go out to eat an average of four times per month, they would still be saving $768 per year!

Food (Grocery & Eating Out): Whenever a new grocery store opens up, be sure to check the prices. It will likely have a Grand Opening sale with great discounts, and you can become familiar with the regular prices of other items.

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 Time Saving Tips

Work: Don't strive for perfection. While brain surgeons should do a perfect job, not everyone needs to accomplish every task perfectly. In fact, perfectionism is often harmful. It can cause you to put off a difficult task or to spend too much time agonizing over it. Instead, you should strive for excellence. Do the best you can in a reasonable amount of time.

Consider This: Don't underestimate the importance of planning. If you devote time to planning a project, you will be able to complete it more quickly and effectively.

Consider This: Don't wait for water to boil or laundry to wash. Do something else while you wait.

Cleaning: Don't wait until the night before the family get together to clean your house. Instead, clean a small amount on a regular basis so that the house is constantly clean.

Cleaning: Don't wash clothing just because you wore it. Did that shirt really get dirty during the two hours you wore it in an air conditioned room? If it isn't dirty, don't wash it. You will save time and money.

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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.