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Decision Making & Personal Finance
Learn why it is imperative that you "make the decision” to take action...

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You Control The Decisions That Will Affect Your Future

Inaction is not in your best interest. You cannot justify your inaction by making excuses or coming up with reasons—no matter how legitimate the excuse or reason is.

You must make the “right decision” when it comes to managing and improving your credit and finances.

Being "prepared" to meet your future financial needs is paramount if you want to enjoy your life while here on planet earth for this relatively short period of time.

When it comes to improving your credit and finances don’t settle for average.  Make the decision to maximize your effort to be greater than average!

If you minimize your effort at improving your finances—you will be less than average.

You can reach your financial goals if you make the “decision” to do what is necessary today!

Life is relatively short—you must seize this moment and make the decision to transform your credit and financial position immediately!

If you want to be successful in your credit and financial life, don’t be afraid to fall or fail due to fear!

Did you know that by taking positive action on a consistent basis in your credit and financial future you are making a real commitment to succeed in all that you do.  And by doing so you can operate in courage and defeat your fears?

You must give it all that you have to improve your credit and finance position so that you can do the things in life that you and your family enjoy on a consistent basis.

You should seek happiness and joy in your life and do what you love! You must have the courage to defeat your fears—whatever they may be!

Living below average should be unacceptable to you and your family.

In many cases if you tell family and friends of your dream to be great and succeed at a high level both financially and in life—they may think you are not operating rationally.

You must not let that phase you. You must take action and do what is necessary to make your dream a reality.

You must dream big and listen to and act on the inspiration that you will receive if it is in your best interest to do so—not the voice of naysayers—regardless of who they might be!

You cannot think about it, hope about it or dream about it—you must put together a solid plan and stick to it. Your decisive action, focus and level of determination will determine if you are truly serious about reaching your written goals and objectives. 

You must get your credit and finances in order now so that you can move yourself and your family forward in an efficient manner.

If you dream big and have a written plan for success you can reach great heights in your financial life.

The "decision” to dream big and put it all in writing is up to you!

By dreaming big and putting it in writing—you will improve your focus to make that big dream a reality—if you put in the work and take positive action to make it happen.

Don’t let fear control you, or the opinions of others be a deterrent to you aiming high and reaching your goals.

It is important that you think for yourself and lead your own life in the manner that best suits you and your family—never to be negatively swayed by the opinion of others.

Sometimes in life you have to take a step back in order to move forward. If you have had a setback you can still overcome from that setback and any other adversity that you may face in the future or have already faced. 

Your recent setback could be the birthing ground for something big to happen in your life.

Make the decision "now" to move yourself and your family forward by taking decisive action and making things happen in your life that will take you and your family to a higher level of success and allow you to do in life what you were truly put on earth to do. 

We are of the opinion that you will make the right decision and major success lies ahead for you!

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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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77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

866-577-7927 (Fax)

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2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

866-577-7927 (Fax)

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