Growth & Personal Finance
Learn why you must ignite your own fire within—and grow!

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Who is Thomas (TJ) Underwood

It is important that you are of the mindset that you must constantly grow—as you pursue improving your credit and finances—and any other areas in your life that needs improvement—as growth is a sign of achievement.


You must also operate in excellence—and do the best that is within you—and you must make a sincere effort to understand—and use the “qualities of success” that you now have the opportunity to learn.


It is important that you do so in a highly focused—and highly committed—manner!

Do you have characterself-discipline and other qualities that are needed on a daily basisthat will help maximize your success—and growth?

You must realize that others can’t do it for you—you must cultivate the qualities that you may lack—or that you may be deficient in—yourself!


What are you passionate about?  What excites you?  Use that as a starting point to pursue the growth that is needed—and branch out into other areas as you make progress!


You must ignite your own fire within—and grow!

What are you building for the next generation—are you growing daily and leaving behind something of significance?


Are you moving to action—on a consistent basis?


Even though it does not have to be monetary—are you leaving something behind for your future generations to remember you by?  Growing in all areas—on a daily basis will help you get in position to do just that!


You must realize that you are greater than—who you are at this time—however, the greatness that lies within you—will be determined—by what you do!


You must make a serious commitment to grow daily—on a consistent basis—if you really desire to achieve at a high level—and leave a lasting legacy!


A poem that I created that will help you “grow” as you journey to improve your credit and finances follows:


Action & You


Action and attitude—will determine your altitude (how high you can go)

Action and attitude—will determine your latitude (where you will go)

Inaction and ineptness—and you will be less

Inaction and ineptness—and you will be a mess

Faith—will—virtue—preparation and knowledge—will take you forward

Self-control—and a willingness to grow—will take you toward—your reward

Make small adjustments daily—and have the perseverance—determination—and wherewithal to stand

Make every effort—to move forward—while you can

What will cause you to quit

What will cause you to go after—it

What do you see in your future—today

Start growing daily—and you will see the way

Growth—you must see yourself doing it consistently

Growth—you must see yourself doing it persistently

Growth—it will soon be

Growth is what you can now see!



Learn Why You Must Have Drive on the Inside—and You Must Harness Your Will and Grow Daily


It is important that you have an understanding and blueprint of what you need to do—to achieve the success that you desire.  

The proper navigation of this site can put you on a path towards gaining the mental fortitude that you need—to succeed.


You can develop an effective system within your mind that will allow you the opportunity to manage your credit and finances more effectively.  

You can learn how to invest properly so that your investments will be of benefit (grow) to you—and your family—in good and bad times. 

However, the decision to invest properlyand grow dailystarts inside of your mind and heart! 

You must have a willingness to grow—and you must have the determination and commitment that is needed—or you must be determined to gain those—and other qualities—if you desire to grow in an effective and eficient manner!


It is our desire that this brief discussion has sparked something on the inside of you—that made you seriously contemplate your—and your family’s future—at this time!

We hope that this discussion has provided you a real determination to reach your future goals and objectives in a more effective and efficient manner—regardless of what they may be.


We wish you and your family untold success in the future—and we believe that your consistent navigation of this site—and the continued application of what you feel will work for you and your family—will lead to major success in your 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 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 and possibly earn revenue by logging on to

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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