Choices & Personal Finance
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Choices & Personal Finance

Some will take the information on this site and not comprehend and properly process it—they will be as if they are stuck in quicksand and that will result in inaction for them!

Many others will review the same information and take hold of it mentally, process it mentally, take it to heart—and choose to apply the information to truly change their lives.

How do you explain the above behavior by two people who look at the same information—but move to action in different manners?

It basically comes down to the motivational level that lies inside the individual along with their level of determination to make real change happen for them and their family.

The fact that an individual fails to move on the powerful information that they receive basically comes down to the “choices” that they make.

You can choose to use the information to effectively and efficiently improve your credit, finance and real estate position in the future—or you can choose to do otherwise!

The “choices” that you make in all areas of your life will help define your level of future success!

If you make good choices about your health, your mental approach to life, your faith, your purpose for being here and other key areas in your life—including your credit, finance and real estate purchase or sale—you put yourself and your family in position for a successful future.

You can “choose” a workable, effective and easy to use proven system that is outlined on this site—or you can choose not to use the system. 

It is important that you use written goals to increase your “vision” and help you plan your future in an efficient manner so that you put yourself in position to see your future in a clearer manner.

By doing so, you will know what you are trying to accomplish and when it will be accomplished. You will have a vivid picture of how much work you will have to put in to make it happen.

You will know specifically where you are headed and that will help keep you inspired and motivated.

By making the “choice” to use written goals you are in effect separating that written goal (in your mind) from other competing visions or goals that you may have.

The written goals then become central or more dominant in your mind and can give you the real feeling that they can be accomplished.

It is important that you reduce your most important goals that you want to achieve for yourself and your family to writing!

By doing so you are making a “good choice” in the direction that your and your family’s financial future will take.

Due to the complexity of the society that we now live in—it is imperative that you make the "choice" to use written goals.  By doing so you can better maintain your focus and improve your vision while you are in the process of reaching your goals.

The choice you make is paramount for your financial future.

You can make the choice to choose wisely or choose poorly!

The choice you make will either move you and your family forward or will leave you and your family in an undesirable position.

You are in "total control" of your mind and you must use your talents and gifts at a level that is the best that is within you! 

You now have "the opportunity" to manage your finances in a wiser, more disciplined and more informed manner for the benefit of yourself and future generations yet unborn!

From this day forward use that control to make the right "choices" for you and your family so that you and your family can have a prosperous and productive future where you can enjoy life on your terms.

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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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