Money Saving Tips

Auto: While a sporty new car may be fun to drive, paying the insurance bill is not. Before purchasing a vehicle, consider the cost of insurance.

Consider This: While you should set long-term financial goals, don't underestimate the importance of short-term goals. Since they can be obtained sooner, they will give you the feelings of success needed to pursue and accomplish more difficult goals.

Household and Utilities: Wrap an insulating jacket or blanket around your hot water heater to keep heat from escaping.

Consider This: You cannot change your finances alone. It is a team effort involving family, friends, and mentors. Accountability is key.

Food (Grocery & Eating Out): You may be throwing away hundreds of dollars worth of food each year. Determine how much food your family is wasting, and find ways to avoid it. For example, do you often throw out food from the kids' plates that they didn't eat? Try giving them less food. You can always refill the plates once they eat the food.

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 Time Saving Tips

Home: During holidays and vacations, many people resolve to ?do everything.? Don't. Overbooking yourself will make these times stressful rather than relaxing. Plan a reasonable number of activities and save some for next time.

Consider This: E-mail should be a tool, not a master. Only check it once or twice per day. If something is extremely important, the sender will find another method of contacting you.

Work: Enjoy your work. You will be more effective if you have a positive attitude. Find ways, both minor and major, to make your career more enjoyable.

Work: Evaluate the tasks you focus on in the office. Do they move you and your employer toward the company's goals? Are you spending your time doing other people's work? Is the task necessary? When possible, eliminate tasks which are unnecessary distractions.

Work: Find a job that you enjoy or one with aspects you enjoy. You will be more effective if you love what you do since you'll be less likely to procrastinate on tasks.

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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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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 -

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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.