Clutter & Personal FinanceLearn Why you must un-clutter your mindand discover what you can find

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Clutter & Personal Finance

You must be open to looking at your credit and finances in a smarter, more cost-effective and time-efficient manner.

It is very important that you remove or reduce the credit and financial clutter that you may have in your mind—if you really want to achieve at a very high level.

All of the excess knowledge that you may have inside your mind as it relates to credit and finance that is not helping you in any meaningful way is really just clutter—when you really get down to it.


Outside of your credit and financial life you may also have a lot of clutter—things that are an “excess” for you and your family—however in this discussion our focus is on showing you how clutter in your personal finances can delay or stop you from achieving your future goals in an effective and efficient manner.

If you eliminate or reduce the clutter that you may have in your mind—you can open up your mind for something new.  In a real sense that is what this site is all about!

You must open up your mind to look at your credit and finances in a new and better way and remove or reduce all of the “excess” that does not serve moving you or your family forward!

You must look at your credit and finances in a clear and concise manner—see where you can make improvements and use your mental energy to make those improvements in the most efficient and effective manner possible.

You can’t depend on others to do it for you. It is imperative that you have clarity of thought when it comes to your credit and finances!

You have the ability, creativity and mental faculty to apply the “essentials that you need to know” in your credit and financial life in a clear and concise manner—thus reducing the effects of clutter in your mind.

It is important that you “know and apply” a more effective system when it comes to managing your finances.  You must approach your credit and finances without the clutter and confusion that affects all to many consumers.

By having an effective system to manage and improve your credit and finances you will gain a sense of freedom that you may have never experienced!

If you have goals in your mind that you have not accomplished—that too can be considered clutter.

If it is taking up space in your mind and if you are not actively trying to reach those goals—they serve as nothing but clutter (excess) and will zap you of energy.

In a sense—anything that does not move you forward in a positive manner could be considered clutter.  Staying busy and not accomplishing anything is yet another form of clutter.

If you let things occupy your mind and they don’t serve moving you and/or your family forward—that is nothing more than clutter operating inside of your mind.

Isn’t it time that you started looking at your credit and finances in a manner that can really move you and your family forward—once and for all.

By navigating this site thoroughly you can reduce the clutter that may be inside of your mind as it relates to your credit and finances.

You can learn and utilize effective systems and approaches that are specifically designed for your future success.

You can do so at no cost and in a manner that will benefit you and your family the most—not your creditors or others that may not have your best interest at heart.

We wish you untold success in your future and we believe you will achieve just that by un-cluttering your mind at this time and focusing and acting  on the success that you desire.

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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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