Excuses & Personal Finance
—Learn why you must not make excuses when managing your credit and finances

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Learn Why Making Excuses Will Never Serve Your Best Long-Term Interests

In the past few years since the real estate and financial market downturns many consumers continue to make excuses or find reasons for not doing what they need to do or not taking responsibility for their actions as it relates to the management and improvement of their credit and finances.


In this age of global uncertainty and corrupt market activity, isn’t it time that you stop making excuses and take advantage of new and exciting ways that you can now manage  and improve your credit and finances!

You can now manage your credit and finances more effectively so that you are in control and you can knowand act on all of your responsibilities as it relates to your and your family’s credit, finance and real estate concerns that you now have or that you may have in your future!


Dear Fellow Visitor,


Are you approaching your credit and finances in an effective manner on a daily basis?  Are you satisfied with your monthly discretionary income? 

What if you could manage your credit and finances in a more effective and efficient manner for the greater benefit of yourself and your family—not creditors?

Would you like to manage your credit and finances in a more cost-effective, time-efficient—and easy to follow and apply manner?

You now have the opportunity to do all of the above and more! 

But where can you go on the internet to find a site that allows you to approach your credit,  finance and real estate concerns in a more effective and a more engaging manner on a daily basis—with no strings attached? 

You are now on that site…

Many consumers from around the world have already used the information and advice on this site to achieve the success that they desired in a time-efficient manner and you can do the same!

However, you must not take the success of others as direct proof of the success that you can attain by navigating this site.  You must determine for yourself whether this site can be of value to you and your family.

Many consumers from around the world have returned to this site again and again because they have reached a point in their life where “they no longer make excuses” when it comes to the management and improvement of their credit and finances. 

They accurately realize that it is their responsibility to manage the credit and financial affairs in their life in a manner that benefits them the most—not others who have no connection with them or concern for their success!

Whether you are new at managing your credit and finances or you have been doing so for years, this site will provide you a new and possibly more rewarding way of looking at and managing your credit and finances.


You are about to learn what you need to know to manage your credit and finances in a comprehensive manner and by doing so you can put yourself in position to not make excuses and not procrastinate when it comes to managing your credit and finances. 

You can search throughout the internet universe and we are confident that you will not find information and advice of the magnitude and significance to your life that can be found on this site—with no strings attached (absolutely free)!

How You Can Use This Site So That You Can Avoid Making Excuses

Did you know that to the extent that you review and analyze the vast amount of important credit, finance and real estate information on this site—the more effective you can be in the management and improvement of your and your family’s credit and financial future?

By utilizing this site in an effective manner you will put yourself in position to know the steps that you need to take to attain the goals that you desire. 

You no longer have to approach your credit and finances in a fearful manner!  You no longer have to let anxiety rule your life!  You can now gain the "mental energy" that you need to succeed!

When you effectively utilize personal financial statements, effectively manage your credit and effectively address your insurance, investments, taxes, emergency fund, education planning, estate planning/wills and retirement planning—you are demonstrating willpower and the ability to leave excuses or reasons for your lack of success behind you—and that is as it should be.

You must gain the clear vision that is needed for success throughout your lifetime and this site will help you fine tune your focus and increase your determination and commitment level so that you can attain the goals that you desire for yourself and your family.

Debt pay-off or debt pay-down can occur, saving for that dream vacation can occur, saving for that second home can occur, that membership at LA Fitness can occur, funding your retirement account at the level that will ensure a pleasant retirement can occur!

However, the decision to get started and actually make it happen resides inside of YOU!



Final Thoughts on Excuses & Personal Finance

The key point to remember is that there are a number of ways to reach your credit and financial destination. 

This site is akin to reaching your destination by air (clear path with no obstacles to slow you down or misdirect you) and takes you to your destination in the most cost-effective, time-efficient and easy to follow and apply manner.


You can now choose a path that is not by roadway and therefore you can avoid the potholes (pitfalls) and accidents (mistakes that many consumers make) that have slowed so many down in the past while they were en route to their financial destiny!


You can now reach your credit and financial goals in a more cost-effective, time-efficient—and easy to follow and apply manner? 

You can now leave excuses where they should be—behind you in the wind!

Did you know that if you want to find a reason or make an excuse for anything that has happened in your life—you can always do so and you can always find a way to justify that reason in your mind to what appears to be to your satisfaction?

Did you know that you could also make the decision or choose to take charge of your life and come up with reasons why you could only succeedand then you could actually put those reasons into action so that you would actually succeed?

This site is geared for those who desire consistent success and for those who want to achieve at a high level!

On this site we do not try to obscure what it really takes to succeed at the level that you desire!

Even though the creation of this page came as an afterthought it is our desire that this page has given you meaningful direction and you will utilize this page and this site to transform your future in a manner where you will attain all of the goals that you desire for yourself and your family!

We wish you untold success in your future and we sincerely believe that you will truly attain that success by navigating this site and leaving excuses behind you—at this time!


Thomas (TJ) UnderwoodContent Writer




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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:

Realty 1 Strategic Advisors, LLC

77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

866-577-7927 (Fax)


Atlanta Central Location:

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2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

866-577-7927 (Fax)


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