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Cash Flow & Personal Finance

Managing your cash flow in today’s economy is vastly different from what it was just 10 years ago.  However you can do it effectively if you have the right knowledge and an appropriate plan of action!


You must be able to stand or shall I say—withstand the adversity that you are now facing or that you may face in the future! 

By doing so and then taking appropriate action—something big can be in your and your family’s future!


Is your stress level overwhelming you at this time? 

By navigating this site in an appropriate manner you may be able to breathe easier—as you will find out that many of your current credit and financial fears—are unwarranted!


Managing your "cash flow" effectively has a lot to do with how much you make, how much you spend, how much you save, how much you have—and how you acquire and utilize your knowledge to effectively reach your and your family's goals and objectives!


Do you know that the amount of money that you make is not the key to attaining financial freedom?


We have seen many who have modest income and many who earn six figures consistently mismanage their finances (cash flow) by spending all that they make—saving very little or not at all and using their knowledge (inappropriate in many cases) to their detriment—while managing their credit and finances.



We have seen many who have modest income and many who earn six figures consistently manage their finances (cash flow) effectively by not spending all that they make—saving at a high level and using their knowledge in a manner that moved them forward at an efficient pace.


In many cases it is understandable that those with modest income struggle due to an inappropriate amount of money (cash flow) coming into their household on a monthly basis. 

However, in many cases we have seen those who make modest amounts of income live and save at a higher level than those who have very high discretionary income!

Key management skills that are needed to manage your credit and finances effectively are listed below:


1)    Strength—you must have the mental fortitude to do what you need to do

2)    Confidence—you must know that you can do what you need to do!

3)    Faith—you must believe and know that success is in your future! 

4)    You must turn your challenges or Adversityinto opportunity!

5)   You must clarify your goals in writing—identify your desires that are unmet in Writing and purposely deal with them!

6)    You must stopthink critically, analytically—and accurately and then take the right Action!

Many think that if they go from one level to another level when managing their credit and finances—they are successful. 

Many suffer from paralysis—they are unable to act when it is the right time for them to act and they stay at a certain level—when it is actually in their best interest to attain a higher level!


Many suffer from paralysis (they overthink their situation and remain stuck in one place for too long) of analysis! 

Is that you?


You must get into the habit of taking action on matters of importance in your life (your cash flow and cash management system)—so that you and others that you care about can gain satisfaction!


You must utilize the key management skills listed above to your and your family’s best advantage and you must cultivate or improve upon those skills if your goal is to achieve at a high level on a consistent basis!


You must clarify your goals and purposely deal with your desires that are unmet at this time. 

You can reach the goals and objectives that will serve your and your families best interest if you put an effective plan in place and you stay focused!


You must not live like many who live in frustration and don’t know what it is that is really bothering them.

In many cases the frustration of not handling their credit and finances in an effective manner lie at the root of their current feelings on a daily basis!


Many do not manage their credit and finances in a manner that they understand—and in a manner that works best for them and their family—not others who benefit from their frustration and lack of knowledge.

It is imperative that you have an effective management system when it comes down to your credit and finances!


You must always remember that the longer you hold on to frustration (whether caused by the poor management of your credit and finances or other causes) the more disastrous your credit and financial results—you will begin to justify your negative actions within your mindand heart!


By effectively managing your cash flow in a manner that puts you in control—you put yourself in position to effectively reduce or eliminate the frustration and other negative qualities that you may have in your mind and heart at this time!

You can improve your cash flow by increasing your incomecutting your expenses or doing a combination of the two! 

You can improve your cash flow by properly shopping for your home mortgage when you decide to purchase or refinanceyour home.

You can choose among a number of mortgage lenders if you are considering a purchase or refinance by going to quickenloans, or local lenders in your area!

By doing so you can improve your cash flow at this timeand position yourself and your family for a prosperous credit and financial future!

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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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