WHAM versus BAM mindset
Do you have a Wealthy Healthy and Alert Mindset or do you have a—Broke and Messed-up Mindset?

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When it comes to improving your credit and finances you must realize up front that it may take “time” to improve your situation to where you need or desire to be.


That use of time consists of identifying your current credit and finance position and doing the necessary analysis in a critical and accurate manner.  And devising a written solution that leads you toward that solution—in a definite and inspiring manner.


You must realize up front that you cannot do like many—fail to take responsibility on the front end—regardless of how you got to the point that you are now at! 



You must be fully committed at this time and you must mentally aspire to reach your goals in an effective and efficient manner. 



Even if you don’t enjoy working with numbers or doing critical analysis on the front end, you must realize that in today’s economy it is necessary.


You can learn how to approach your finances in new and more inspiring ways by navigating this site at this time. 


It is very important that you properly focus and you make the decision to invest the needed time—right now—to properly analyze your situation.


By properly analyzing your credit and finances at this time you can come up with a real solution that will not only move you and your family forward, but a solution that will keep you and your family moving forward.



By doing so you can increase your net worth (wealth) in a healthy manner! 



Or, you could choose to do like those who have a Broke And Messed-up mindset and not learn what you need to do to make your dreams come true. 


You can choose to talk about what you will do and not only will you not do it—you will have no real plan to even get started.


Are you taking initiative on a daily basis on matters of significance in your life? 

Are you interested in learning how to get a plan in place that will work for you and your family?



You must understand that a broke mindset or a poor mindset are really one and the same—therefore, it is important that you have neither one!



Contrary to a popular quote that many state—"being poor is permanent—but being broke is only temporary"—you must realize that if you operate daily with either mindset the ultimate reality is that you are currently not living in abundance. 


A "broke" and supposedly temporary condition or mindset can often last years and decades—if not properly transformed in thought and action. 

A "poor" mentality can also often last years and decades—if not properly transformed in thought and action.


Therefore, you must realize the importance of the thoughts that go through your mind on a daily basis and you must put yourself in position to have the right thoughts going through your mind on a daily basis—and you must also take the right action on a daily basis.



By having a WHAM mindset (Weathy Healthy & Alert Mindset)—your daily thoughts will be of success and abundance and your mind will be more in balance with yourself, others and the larger environment.



You now have no excuse for not transforming your future into one of success—as an introduction to the 3 Step Structured Approach” to managing your credit and finances that has helped consumers worldwide improve their credit and finances to a high level is now available to you at this time and at no cost—other than your valuable time. 



The 3 Step Approach” is about helping you transform your mindset and identifying with success on a consistent basis! 



Your action at this time will reflect the success that you desire—or the success that you do not desire.


You can now use “the 3 Step Structured Approach” to get started on a path of financial improvement where you can live in abundance and do the things in life that you enjoy and not to be constrained—due to obligations that you have to others.


You must have a mental framework that you can apply in your daily life that can lead you toward the success that you desire.



It is important that you at this time look within and see your current situation for what it really is and then make the decision to "make" your situation better!



Now is the time that you make the decision to prepare your mind with the needed knowledge that is necessary to do just that—and then actually do it—without delay!


You can perform at a higher level if you actively engage your mind toward the success that you desire!


The possibility to advance toward the goals that you desire in your life is now in sight.  You can reach a higher state of excellence in the management of your credit and finances.



A poor state of mind or a broke state of mind does not have to last long in your life—if you make the decision today to avoid financial strife!


Living below average is not your assignment or destiny at this time!  You don’t have to let your credit and finances control you—unless you choose too!



A poor state of mind where you let in grief, depression, hopelessness, worry, frustration doubt—or you are otherwise always questioning within your mind whether you can succeed financially—does not have to be a part of your mindset!



By navigating this site appropriately at this time you will be guided toward success in an encouraging manner.


Just believing is not enough!  You must willfully take action in a manner that is sincere and you must be committed at a level that can only lead to the success that you desire!


You must get your mind to identify with success on a consistent basis—and on the front-end! 

If possible, you must get into the habit of taking action proactively and not reactivelyand you must never make excuses from this point forward!


A Wealthy Healthy Alert Mindset—helps you move in the direction where success lives and helps you avoid confusion and distractions that all too many have let keep them in a Broke And Messed-up mindset!


Starting today—you must advance toward the success that can now go your way!


Will you say WHAM or will you say BAM—as it relates to your and your family's future?


Your right answer and your action—will give you the traction that can take you toward the satisfaction where you will get a positive reaction—from your family and loved ones!

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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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Peachtree City, GA 30269

770-719-4550 (Direct)

866-577-7927 (Fax)


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Atlanta, GA 30349

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