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It is imperative that you live your life in a manner where you don’t let distractions negatively affect your future success. 

To effectively improve your credit and finances—you must have the proper focus and self-discipline that is needed to minimize or reduce the effect that distractions of all types can have in your life.


Did you know that you grow the most when you are going through the most difficult times in your life?   You can also grow immensely in character and strength during difficult times!

Discovering your life message—or your life purpose (what you were put on earth to do) will often occur during difficult times!


You can avoid distractions or reduce the effects of distractions in your life by pursuing what you really want to accomplish with a high level of motivation—and desire.


You must imagine yourself really achieving the goals that you desire!

  • think of how much better you will feel when you know fully how you can use that understanding to further achieve the goals that you desire

You must think of the benefits that you will receive by reducing the distractions in your life and focusing on the goals that you desire—and the goals that can really make a difference in your life—if you achieve them.

Did you know that worry, anxiety, fear and frustration loses everyone and is nothing but a "distraction"—and they should play no meaningful role in your life? 

Why w a f f l e back and forth with your credit and finances when you can choose to approach your credit and financial future in the manner in which it should be approached—with clarity?

By having positive thoughts of success and applying the powerful content on this site—you can put yourself in position to reduce or eliminate the worry, anxiety and fear that you may have about your personal finances and start to enjoy life more!

Think of how much happier you will be when you finally have the discretionary income on a monthly basis that you desire—that allows you the freedom to enjoy life on your terms—not on the terms of creditors and others that may not have your best interest in mind!



As I create this page I am imagining thousands of consumers around the world reading this page and utilizing the knowledge that they will gain to improve their credit, finance and real estate concerns in an effective and highly efficient manner.


I imagine receiving e-mails from people around the world informing me of how they have utilized the information on this page and this site to improve their financial position and attain a higher level of success in their life.


I imagine the increased return that I will receive by sharing powerful knowledge with others—with no expectation of return, however I realize that a return will and has already occurred (I see success in my mind in a clear manner) because I am operating in my life purpose!

You must set written goals with definitive deadlines that you have every intention of achieving—to shield yourself against distractions (worry, anxiety, fear, frustration and other adverse situations) that are all around you—and will find you!

If you and your spouse are both committed to reaching the same goals they will be more likely to occur because you are more likely to do what is necessary—if you are accountable to someone other than yourself.


You must realize that your attitude is an external expression of your internal well being and if you and your spouse approach your financial goals in a singular—yet committed manner—your success will be more likely to occur and your attitude on a daily basis will improve! 

What is it that excites you and makes you want to take action

To achieve at a high level you must control your mind and not let distractions affect the success that you desire!

You must live your life in a thoughtful—purposeful manner—where you will do what is in your and your family’s best interest on a consistent basis!

On this site you will find that information is presented in a manner that works with your mind—not against your mind. 

We present information in a manner so that you can retrieve it from your mind in a timely manner—at the time of your choosing so that you control your credit or financial transaction—whether it be a credit, finance or real estate concern.


We also strive to present information in a manner where you can record it in your mind—in a manner that works with your memory—not against your memory.  

To achieve maximum success be sure to comprehend the information on this site when your mind is rested and be sure to relate the material to other things that are already firmly engraved in your memory!

By doing so you can maximize your navigation and understanding of this site and reach the future success that you desire—in a more effective and efficient manner.


Those who already frequent this site realize that goal setting and written plans start with a decision—within their mind—to solve a credit, finance or real estate concern in an effective and efficient manner.


One of the primary reasons that we recommend setting goals and using written plans on this site is that it helps you control the distractions that you may face in your life on a daily basis—much more effectively than if you did not do so!

By setting  goals and utilizing written plans you are organizing in your mind what truly needs to be done in your and your family’s life—to move forward in an "effective and efficient" manner—and you are at the same time improving your focus and commitment level by doing so.


You must also understand that “simplicity in approach” is on many occasions the best approach to take when addressing your credit, finance or real estate concern. 


In addition, there is no reason why you should fear your financial future when you have it within you to make the decision to control your future and the ability to actually do so by taking direct action on a consistent basis!

Why complicate your credit and financial future when you can utilize this site to do what needs to be done—in a more efficient manner?

Why choose to understand and manage your credit and finances in a complex manner—when you really have better options? 


You can use this site to learn what you need to do to manage your credit and finances in an effective and efficient manner with better long-term results as the ultimate outcome.

If you make the decision at this time to reduce or eliminate the distractions in your life and you focus in on and apply the content on this site in your daily life in a manner that is in your and your family's best interest—you can achieve the success that you desire!


As you move toward improving your credit and finances you must realize that the most cost effective, time efficient, and easy to follow approach—is often the best route to take—if you are truly sincere in improving your and your family’s credit and finances?

Did you know that the more ways that you look at your credit and finances (overall or comprehensive approach)—the better the odds of attaining the future goals that you desire—for yourself and your family?

By looking at your credit and finances in a comprehensive manner you increase the odds of attaining your and your family’s future goals and objectives!

You also eliminate or reduce  possible distractions that may occur in your life—because you will then be of the mindset that you will address all areas of your finances and you would therefore reduce the distractions that you could—or would face along the way!


What’s really important in your credit and financial life?   What could cause potential problems for your and your family’s future?  Do you even know?

You must eliminate or reduce the distractions in your life—and spend your time on things that really matter!

Did you know that by preparing for your future in a proactive manner you will reach your goals in a much more efficient manner?

You no longer have to let anxiety and tension rule your credit and financial life.

You can navigate this site now—so that you can avoid financial strife!

It is important that you have a high level of confidence about your future and you must have the self-discipline that is needed for success! 

Now is the time that you concentrate on the task that is at hand—as your future financial success or any other goal or objectives that you may have—is truly at stake!

Now is the time that you leave distractions at the front door—and attain the success that you desire—for yourself and your family!

Did you know that you can direct your mind to achieve whatever goals that you desire?

All of your future goals are possible if you have the right attitude or mental thought process and you put an effective plan in place!


Always realize that you were not designed to live in a manner where you let distractions (worry, anxiety, fear, frustration and other adverse situations) affect your future outcomes—now is the time that you reach your greatness and achieve your life purpose!


What are you passionate about at this time—get out and do your purpose for the world!  You have the ability to respond appropriately to any adversity or distractions that may occur in your life. 

When you live in your life purpose—you put yourself in position to leave evidence for future generations to see that you not only lived—but you lived with a purpose!

Always remember that even though on many occasions you can’t control what happens to you—you can control your response to how you handle—what happens to you! 

By responding in an appropriate manner (which this site shows you how to do)—you build character and your attitude and actions—will reflect a positive influence on society.

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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 TheWealthIncreaser.com 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 TheWealthIncreaser.com and possibly earn revenue by logging on to TheWealthIncreaser.com.

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:




Atlanta South Location:

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77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

866-577-7927 (Fax)


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Atlanta, GA 30349

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