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10 Steps That Will Guide You Toward The Financial Success That You Desire

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First and foremost, take your time and be relaxed—the information on this site will be here. The proper navigation approach for you will depend on your current credit and finance position and your financial and real estate knowledge base.

The order that has worked for many past cl
ients based on e-mails and conversations include the following:


Most of those who enter this site and are looking for comprehensive financial planning (planning that covers all areas of their finances) start at the success planning page (where they "really" see what it takes to succeed) and credit pages or distressed homeowner page if they have credit or home ownership issues.

Those who don’t have those issues start at the money management personality page and the credit improvement page.

They then determine their "personality type" and then master "all the factors" that make up their credit, including the ratios—and move on from there.


They then proceed to the emergency fund page and learn all that they need to do to "properly" establish an emergency fund.

You must realize that an emergency fund provides the "stepping stone" for a successful journey in all areas of your credit and finances and you must "properly"  establish one.

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They then proceed to the life stages page to learn all they can about the life stages of financial planning and what it can do for them and their family.

You must understand that by having a conceptual view of your life stages—you put yourself in position to know what to expect as you go through the various stages of your life.


They then proceed to the personal financial statements page and learn all about the cash flow statement (budget), income statement and balance sheet.

A monthly cash flow statement (budget) is simply your monthly income minus your fixed and variable monthly expenses—however accuracy in the calculation of your income and expenses are crucial.

What is left over after you subtract the expenses from your income would be your Discretionary Income.

"Discretionary Income" is income that you can spend or save any way that you like and can be used for debt payoff, savings and/or the enjoyments of life.


They then normally create a monthly budget or cash flow statement (no matter how crude—crayon, pen, pencil, or computer—at the very least based on what they have learned from the personal financial statements page).

Those who are comfortable with finance also normally complete a personal income statement and a personal balance sheet.

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If they are in need of further improving their monthly cash flow or budget they go to the credit card payoff page, the understanding your credit page or the "100 Money Saving Strategies" page and try to find other ways that they can decrease their expenses or increase their income—or a combination of the two. 


They then analyze all areas of their finances—insurance, investments, taxes, education planning, estate planning, and retirement planning at the pace that is most convenient for them.

You can find the links to analyze and update All Areas of Your Finances from the Tabs on your upper left.

It is not uncommon for them to concentrate on one area of their finances for a day, weekend or possibly  longer to ensure thorough understanding and to ensure that they cover all areas appropriately.

Again, it is important that you navigate all of the pages on this site at your own pace.

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If they would be contemplating a future home purchase or home sale they would normally go to the home buyer and home seller sections on this site and go to the-best-atlanta-real-estate-advice.com web page and learn all that they could about the home purchase and/or home sale process.

They would also formulate goals and objectives based on what they have learned and their financial position by going to the the Financial Goals & Objectives and Goal Setting pages.

By learning and understanding the home buying and home selling process well in advance of your purchase or sale you add clarity of thought and reduce the stress of a home sale or home purchase!

The more time that you have before the purchase or sale of your home the better.  You can avoid the past mistakes of home buyers and home sellers who did it the wrong way.

Those who were not anticipating a home purchase or home sale normally go to the Financial Goals & Objectives and Goal Setting page and formulate realistic goals and objectives for their family based on all that they have learned from the first 8 or 9 steps above.

Their goal is to have a written plan for accomplishing all of their goals that their heart and mind created so that the potential to reach those goals will be enhanced because they will be motivated at a much higher level.


At this point they would navigate all areas of both sites (using the SITE MAP tabs) to find a topic of interest. They realize that the topics on both sites have the potential of bringing some level of benefit to them and their family.

Their goal is to know that the information is on the site and when it comes time to further educate themselves on a topic they know where to find the information that will help them make an informed and well thought out decision at the time of their choosing.

In addition, if they were anticipating a home purchase or home sale they would go to the Search Homes section in the upper left hand corner of this page.

The goal of doing so is to get a feel for the inventory and market value in the area of their home or the area where they are considering moving to—“prior to" selecting a real estate agent and/or mortgage loan officer.

If they were outside the Metropolitan Atlanta Area they would go to a public site that served their area. 

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Why You Should Take These 10 Steps Seriously?

E-mails and conversations from 6 of the World's 7 Continents continue to inform us of successful financial improvement as a result of this site and stand as a testament to what the proper application of the information on this site can do for you and your family.

The E-mails and conversations continue to bring joy to our hearts and provide the inspiration that we need to provide financial and real estate advice at a high level to improve the lives of consumers worldwide.

In Short, this site has had the real effect of changing the financial lives of consumers worldwide and has the real potential to change your and your family's financial future for the better in a major way—starting today!

If they can do it—so can you!

You toocan be one of those who make their family's dreams come true!

Whether you are an athlete, entertainer, just entering the workforce or you have been working for years. 

Whether you are a blue collar or white collar worker—it will serve your interests in a highly beneficial way if you familiarize yourself and put yourself in position to apply the material on this site effectively.


By doing so you will put yourself in position to not blame others—whether they are your financial planner, personal manager, local bank, stockbroker, creditor or anyone else for "your failure" in the management of your credit and finances!


You must understand that effectively understanding your credit and finances and having the ability to manage and improve your credit and finances is a requirement in today’s society!


Even though the management and improvement of your finances is not taught effectively at the grade school level (you would be lucky if you had even one finance or economics class before you were to graduate from high school) you can still succeed in managing your credit and finances in a manner that serves your and your family's best interest.


You don’t have to make your learning process a difficult or boring process unless you choose too!   If you make the decision to educate yourself appropriately you can now do so!


If you make the decision today to get a comprehensive understanding of your credit and finances and gain a “solid foundation” you can succeed at a high level in the management and improvement of your credit and finances and achieve untold success in your and your family's future!


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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:




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