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Direction & Personal Finance

Do you know where you are headed with your credit and finances?   Do you even want to know where you are headed?


It is important that you know the direction that you are headed in with your credit and finances (and life).

You have the ability to control the direction that you are going and change that direction if it is in your best interest to do so!


You must have the mindset that you will seek answers to important issues in your life, pursue friendships with positive uplifting personalities and associate with those who are moving forward in their life! 

You must have the mindset that you will do what is necessary to achieve success on a consistent basis.

What are you reading, thinking about, listening to and interacting with on a daily basis?  How are you feeling about your daily life and your future?

By honestly answering those questions you can determine if your life is headed in the right direction—or if a change in direction is necessary.  

Is your life on an upward trend toward success or do you feel that you are headed in the wrong direction?  

You have the ability within to change the trajectory of your future by making the decision to do so and then taking action on a consistent basis to bring about the outcome that you desire!


By navigating this site at this time you can get on a path that will take you in the direction that you need to go—or the direction that you desire to go!  

You can now achieve your goals if you prepare your mind with the right knowledge and you apply that knowledge on a consistent basis.


Do you know if you have monthly discretionary income or are you unsure at this time?

Do you desire to pay off your outstanding credit card debt at this time? 

Are you on track to live in retirement at a comfortable level?   

Have you addressed your insurance needs and do you now have a properly executed will?

The direction that you decide to take in your life is a personal choice!  

You can choose to continue doing what you are currently doing and get results that are not in your best interest or you can change your approach (and change the direction of your future) and get powerful results that can truly move you and your family forward.

You can change the direction of your life right now by effectively navigating this site and applying in a sincere way what you feel can improve your and your family’s credit and financial future.  

By navigating this site at this time we are certain that you will change the direction and altitude of your and your family’s future for the better!

Did you know that if you know what to expect in your credit and financial future there is no reason why you should fear "your and your family's" future?

By knowing what to expect you control the direction of your and your family's future! 

You can avoid HELL in your personal finances and make it work for you by (honestly looking at your situation) addressing your Health concerns now, establishing an Emergency Fund now, obtaining the Life Insurance that you need now—and understanding the Life Stages of Financial Planning—now!

By doing so you put yourself on a "fast path" to the success that you desire.  Now is the time that you take your life in the "right direction"if you desire true success in your financial future!

Just as a navigation system will show you the "right direction" when you are traveling and trying to reach your destination—so too will this site show you the right direction that you need to go to attain the success that you desire if you are one who is now serious about your credit, finance and real estate future and that of your family's!

What "degree of success" do you desire at this time?

What direction do you desire to go at this point in your life?

You now have the opportunity to make it happen!

What are you at this time tempted to do that moves you away from your goals as opposed to towards your goals?

You now have the opportunity to resist temptations that may not move you forward and pursue what can really move you and your family forward at this time!

You must realize that on a daily basis you will face temptations in many forms that may take your future in the "wrong direction—if you were to yield to those temptations!" 

Will you yield to the temptations that you face daily—or will you be led in the direction of success and not do things that are detrimental towards your and your family's future?

Your desires must be analyzed and handled appropriately on a daily basis if you are to resist the temptations in your life and take your life in a direction that serves your and your family's best interest!

What is meaningful and significant in your life at this time?  That which is meaningful and significant  in your life right now will direct your future—in a major way!

You must always realize that if you can conceive it and believe it you can achieve it!

You can learn how to apply the “Keys to Success” in your life today so that you can direct your future towards success and achieve at a level that you never imagined!

Motivational Poem to Help You Improve the Direction in Your Life

Success lives within me—you see—I can be who I want to be! 

Your opinion of me has no bearing on what I now am—will be—or desire to be! 

My determination and mental focus is not dependent on you—or anyone else! 

I am the determining factor of the awesome success that I will achieve!

It is within my mind that I truly believe!

It is within my mind that I visualize true success!

On a daily basis—I have already made the decision to do my best!

There is nothing that you can do—to prevent my dreams from coming true!

It is important at this time that you reflect on your life, see what you need to change, see what you can do better, see what you need to do more often—right now—right where you are at.


If you desire to go in the direction where "success lives" you must know where you are now at—know what you need to change and then do it!



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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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