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

Auto: Buy gasoline in the morning or evening since the cooler temperatures cause the gasoline to be denser, giving you more gas for your money.

Auto: Coast to a slow, gentle stop rather than slamming on the brakes. This is better for your car and increases gas mileage.

Auto: Consider buying automotive and homeowners insurance from the same company. Some offer discounted rates, but you must research before making a final decision since this is not always the cheapest option.

Auto: Consider carpooling to reduce travel expenses, especially if you have a long commute.

Recreation / Vacationing / Entertainment: Consider vacationing near your home. People often overlook a fun and memorable attraction in their own state.

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 Time Saving Tips

Consider This: A high level of energy is often required for success. Lacking it causes you to lose time to inefficiency. Maintain your energy through proper eating and exercising habits.

Work: A lack of motivation can be crippling to your career and life. Discover what motivates you so that you can find purpose and meaning in what you do. Not only will you be more satisfied with your life, but you will also be more efficient and productive.

Work: A positive attitude will aid you in succeeding in life. You must learn to accept both the failures and accomplishments of the past, and you should look to the future with an eager sense of anticipation. If you maintain this attitude, you will discover life, including your work, more enjoyable.

Organizing: Always carry something on which you can take notes, and keep your notes organized. Notes are useless if you can't find them.

Organizing: Always pay your bills on time to avoid late fees. Keep a list of all your bills and their deadlines.

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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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 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.