Congruence & Personal Finance—
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Congruence & Personal Finance

Congruence  allows you to do what needs to be done in a more efficient and a more effective manner than—let’s just do it!

You must have a comprehensive and appropriate plan of attack that will take you to where you need or desire to be!


Many sites are willing to offer you bits and pieces of helpful financial information, but very few are willing to show you in a comprehensive way how to attack your credit and finances in a manner that can lead you towards your significant goals in an efficient manner.


Unlike other sites that go in different directions—this site is designed to provide you with what you need to succeed in a coherent and congruent manner.

On many sites you often have difficulty following the content in a consistent manner.

On this site we have done our best to provide you content in a manner where you don’t have to wonder or have difficulty determining what is being said!


Does everything flow logically?  Do you understand all that you are reading? 

Even if you determine that the information on this site is not for you—you must still pursue the success that you desire in some other manner!


What is congruent for you may not be so for the next person! What makes sense to you may cause confusion for someone else!

The key question that you must ask yourself is does it make sense to me? 

If it does not you must use your mind to find a better approachwhether this site or other methods or any other avenue that will take you towards the success that you desire.


Congruence is what works for you in a logical fashion—in your mind.

Do you have an approach to managing your credit and finances that will lead to the success that you desire?  Does your credit and finance knowledge all fit together comprehensively in a manner that you can readily understand?



Do you feel that you are adequately addressing your future at this time?   Is everything in agreement within your mind on where you want to go in your financial future? 

Do you feel comfortable moving forward with the “working knowledge” that you now possess?   

It is important that you don't do like those who fail to focus and fail to gain the needed knowledge at the right time in their life dolook back in their life and wonder—what could have been...

Those who fail  to focus and take consistent action often complain about what they don’t have—when they could actually be using that energy to achieve major success! 

By understanding your finances and future in a congruent manner you will be content with who you are and who you are becoming because you will possess the mental working knowledge that is needed for success on a consistent basis!

We wish you untold success in your future endeavors and we believe you are now on a path to achieving just that!

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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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