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A recent visitor (Spring 2013) to this site asked what exactly is success planning and what exactly is improving your credit and finances to a high level?

My response was that success planning consists of getting your life in order and being able to comprehensively understand in your own mind what it takes to achieve your life goals and also having an effective plan that will get you to a point where you will reach your goals in a clear, confident and concise manner!

Furthermore, success for one person is not success for another person.  We are all unique and have perceptions in our mind of what we want to do in our lives to bring us the joy that we desire. 


To some being debt-free and being able to spend their time doing what they really enjoy and having their financial future outlined in concrete terms so that they know what they can do in the immediate term
—in 10 years—in 20 years—and during their retirement years—at the level that they desire is success if they achieve at the level that they desire!

The key point that you must realize is that to attain the success that will lead to the achievement that you desire is all about getting “it” right on the front end—not after you make mistakes! 

The “it” is whatever you feel is important in your and your family’s life 
whether it be financial or otherwise.

Success as it relates to your “credit and finances” consists of knowing your responsibilities and acting on that knowledge to improve your credit and finances in the most efficient and effective manner possible!

By mentally comprehending and acting on the knowledge that will serve you and your family in an advantageous way—you put yourself in position to attain the success that you desire!



Improving your credit and finances to a high level means that you have mastered what it takes to move yourself and your family forward in an efficient and effective manner.

  •      Do you understand the need to create personal financial statements and use them for your and your family’s greater benefit?   


  •         Do you have a “mental system” of managing and improving your credit that is highly effective and a system that you can utilize at your convenience?


  •         Do you have a mental system that allows you to know all areas of your finances that you must address at this time—and in a comprehensive manner?


By having a clear credit and financial focus you put yourself in position to attain the success that you desire—regardless of your definition of success. 

You will be in position to see your credit and financial future in clear terms and in a way that provides you the clarity that you need to succeed—in today’s economy!

You will be in control and you will be able to achieve success at a level that you desire and by default that level is at a higher level than you are currently at!

You can achieve success at a high level if you prepare your mind for the journey and you gain the right knowledge that leads to you taking the right action towards the goals and objectives that are most important to you and your family!

Success can now come your way!

Will you get started today?


You can now achieve at a high level and reach the success that you desire for yourself and your family if you make the decision to really seek goals that are meaningful and can move you and your family forward at this time!

Do you have the skills that are needed to manage and improve your credit and finances in today’s economy?

Understanding your credit and finances in today’s economy is vastly different from what it was just 10 years ago!

You need a system and approach that gives you the ability to manage and improve your credit and finances in the times that we now live in!

On this site you can find unbiased credit and financial advice and approaches that have worked for consumers from around the world!

You can now learn how to save and invest properly, how to improve your credit, how to purchase and sell your home properly, and how to build your net worth to a high level!

The ability to save properly, improve your credit, purchase and sell your home properly, and build your net worth can be found on this site. 

The only missing ingredient is the decision by you to take your achievement to the highest level that you can
by using your mind and heart to take direct action on a consistent basis—and really apply what you are learning on this site!

You can now obtain the proper preparation and knowledge that is needed and increase your determination to understand and apply that knowledge!

You can now gain an understanding of how cultivating the habits of success can lead to "achieving" your goals in a more efficient—and effective manner!

Do you know that if you show “sincerity”  in your efforts to apply what you are learning on this site in a determined manner on a consistent basis—major success lies in your and your family's future?

Now is the time that you make the decision to achieve the credit and financial goals that will serve your and your family's best long-term interests!

We wish you untold success in your future and we believe that you will achieve just that by applying what you are learning in an effective manner!

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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