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Starting Today There Is No Reason Why You Should Fear  Attacking Your Credit & Finances In A Forceful Manner...

Posted by Thomas (TJ)Underwood on 05/30/2013

Many consumers often fear their credit and financial future due to uncertainty about their current credit or finance position.  

If you are one who are at this time fearful about what to do next in your credit and financial life—you must realize that you are "mentally operating" from a position of weakness.

On this Memorial day—2013—as I drank my morning coffee it became clear to me—based on past conversations and recent emails—that many consumers are suffering from fear—due to not knowing the appropriate action to take in regards to their current credit and finance position!

This page was created to help those alleviate the fear that they may now face or might face in the future as it relates to their credit and finances.

Not knowing where you are headed and not understanding where you are at—is a leading cause of stress in the lives of those who do not have an effective plan—or system of credit and finance management in place.

Do you know that your fear about your credit and finances—is a choice that you make?

By navigating this site in an effective manner you can defeat your fears and gain the “courage” and other qualities that are necessary to face your credit and finances in a forceful manner—and in a manner that will benefit you and your family the most. 

Now is the time that you manage your financial affairs in a manner that does not serve creditors and others who may not have your best interest in mind the most!

You must realize that you don’t have to live your credit and financial life in a fearful manner—unless you choose too! 

This siteour companion site—and Managing & Improving Your Credit & Finances for this MILLENNIUM provides you all that you need—to succeed—in your credit and financial future!

However, if you are now facing a difficult stretch in your life (you could have possibly avoided that by utilizing this site—our companion site—and our new book) there is no need to panic or stress yourself out!

However you must now “assess” your current situation immediately and then take appropriate action!

You must realize that many consumers let the stress and uncertainty of their credit and finances negatively affect their lifestyle.  Many are on the verge of having a heart attack or stroke—or suffer a high level of stress in their daily life due to frustration and uncertainty over their credit and finances!

By not addressing their finances in a timely and appropriate manner they often carry the stress of the situation for months—and even years in some cases—inside of their mind and heart!

  Don’t let that be you!

However, if that is you—you can change your future outcomes for the better by making the decision to understand your situation and address it at this time.

If you are currently in a position where your monthly income is insufficient to cover your monthly expenses you must address that by coming up with a plan to increase your income—cut your expenses—or doing a combination of the two.

If you are unable to do that and you find yourself in a situation where you can’t pay off your revolving debt effectively over the next 4 to 5 years—you may need to consider bankruptcy as a real option prior to wiping out your retirement accounts—and other accounts!

If you are now behind on your credit card payments and other debt—your credit may already be damaged and by filing bankruptcy prior to depleting your assets—you may be able to put yourself in position for future success more effectively. 

If you re-establish your credit after bankruptcy you can do many of the things that you were able to do prior to bankruptcy—if you put together an effective plan.

In many states a chapter 13 allows you to keep your car—and lower the payment—keep your home and possibly get 2nd or 3rd mortgages removed as well as other effective options (many of your creditor payments will be reduced).

A chapter 7 may allow you the fresh start that you need by eliminating much of your debt (no repayment to creditors required—on certain debt). 

You must realize that if you are unable to pay—most states have a statute of limitations on some types of debt that you may owe—meaning that after a certain time period—the debt will be removed from your credit file.

You must realize that you must gain a solid foundation to avoid putting yourself in position to where you have to utilize the options above to improve your situation!

 You must make it a priority to obtain Health insurance coverage as the lack of health insurance is a leading cause of financial difficulty and in many cases leads to the filing of bankruptcy!

You must make it a priority to properly establish an Emergency fund and pay off or pay down your outstanding credit card and other debt—as by doing so you can meet life's unexpected emergencies head on!

You must make it a priority to obtain Life insurance to protect yourself and your family from your untimely transition—that might occur!

You must make it a priority to understand your Life stages and know how it affects your future—as by doing so you can more effectively plan your future!

You can avoid the pitfalls that many face by addressing your credit and finances in a proactive manner.



You can avoid "HELL" in your credit and financial life by turning it around in your favor—by making it a priority—right NOW—to obtain or establish an understanding of the following:

Health Insurance

Emergency Fund

Life Insurance

Life Stages of Financial Planning

You must get into the habit of addressing your credit and finances effectively—and efficiently. 

You can do so by navigating this site (at no cost to you) or purchasing Managing & Improving Your Credit & Finances for this MILLENNIUM (at a cost to you—however you will in almost all cases more than recoup the cost by effectively applying any number of principles in the book)!

You must not do like many who go to attorney's and other professionals well after their credit and finances have bottomed out.

You must realize that you have better options that you can utilize if you are "proactive" and you address your concerns in a timely manner.

You must decide if you want to gain the preparation and knowledge that is needed for success in your future at this time—or do you want to gain the preparation and knowledge the “hard way” (after you make mishaps in the management of your credit and finances)!

The choice is yours to make—if you decide that you sincerely want to be proactive in your credit and financial future—you can now do so by navigating this site in an effective manner!

We wish you untold success in your credit and financial future from this day forward.  You now have an opportunity to gain lasting success in the management of your financial affairs—if you choose to do so!



Always remember that it is imperative that you have the right knowledge—at the right time—so that you can live your life in a low stress environment and avoid negative situations or distractions and attain the success that you desire for yourself and your family!


You now have a real understanding of why you should not have fear when attacking your credit and finances!  Be sure to use that understanding to move forward in your credit and financial life in a manner that serves your and your family's best interest.

You no longer have to make excuses or try to come up with reasons why you can't succeed in your and your family's credit and financial future—or in any area of your life!


Now is the time that you move forward and operate from a position of strength!   Now is the time that you achieve the success that you desire!


Your success is only clicks away if you are now ready to remove fear from your life and operate in courage—so that you can attain the success that you know you deserve!

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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)


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Atlanta, GA 30349

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