Following is some miscellaneous information that I hope can be of value to you. It is just stuff that can help in your everyday consumer and financial life.

Balance Your Checkbook is a complete set of instructions and examples for balancing your checkbook and reconciling your bank account. If you ever have trouble doing this every month, this is a pretty good comprehensive example of how to do it.

Sample Complaint Letter is used for complaining about goods or services that you are not satisfied with. The key to any good complaint letter is providing all available facts and information. The more you can provide, the better. This should be used when normal attempts to have the problem solved have not been successful, such as asking for a refund from the store, exchanging the merchandise, etc. It comes from the FCIC and is shown here with permission. Feel free to copy it, insert your own information and use.

Vital Records & Unclaimed Property is a state by state listing of links to each states' website that allows you to order birth and death certificates. It also has links to each states' online listing of unclaimed and abandonded property. Here you can check to see if crazy old great-uncle Willie might have left a sizeable account somewhere when he died. And you might be the only heir! States do not spend this unclaimed property. It is there forever and you can claim it (if you have a lawful claim) anytime. So check each state to see if maybe you or a deceased relative might have forgotten some bank account, safety deposit box, stock, dividends or insurance policy from long ago. Perhaps Uncle Willie left a ten pound gold bar in a safety deposit box in Nevada back 50 years ago, and it now belongs to you!

Part-Time Extra Income is a section dealing with real ways to make a little extra income to help out your savings. It is not loaded with "money making schemes" or "opportunity scams". It is just information about the idea of making extra income, what works and what doesn't, along with some good examples of true part-time income businesses you can start with little or no investment.

Master Budgeting Email Course is a complete and comprehensive budget plan that is sent to you over 5 consecutive days. It will guide you through goal setting, reviewing past spending habits, preparing a new budget, tracking expenses and updating the new budget and living on your new budget.

Home Loan Information is a discussion of how to buy a new home or refinance an existing home to get the best rate. Explains the value of home ownership and how it fits within your overall financial and budget plan.

Survey Page gives information about taking online surveys and sources for some of the better paying surveys on the internet.

Consumer Credit Counseling is a state by state listing of consumer credit counseling services that are free for consultation. They all offer a debt management program for a low monthly fee, or sometimes for free.

Benefits of Layaway Plans is an explanation of the benefits of using a store's layaway plan to avoid interst charges on large purchases such as appliances, furniture and electronics, and get into the habit of monthly savings.

Free Stuff Zone is a listing of a bunch of the free stuff I have found on the internet. It is a long list and I add to it all the time. It's just stuff that I thought someone might like to try out and covers everything from free contests to free gifts.