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Joy & Personal Finance
You Can Enjoy Your Life If You Put an Effective Strategy in Place

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Think Smarter.  Live Better.  Success is Now.



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Joy & Personal Finance

Do you know that you have the ability to create the future that you desire by utilizing your mind in the appropriate manner? 


You can bring "joy" into your life and do the things that you desire most—at the level that you desire—if you put an effective plan in place and you cultivate your mental qualities to a higher level!


You must first determine where you are at financially by completing a monthly budget (or cash flow statement).


By properly preparing and analyzing that statement you can determine your fixed monthly expenses, your variable monthly expenses and you will know if you have discretionary income available that you can use to pay off or pay down your debt.

If you put together an effective plan and you take direct action on a consistent basis to make that plan happen you can achieve the success that you desire and bring the joy that you deserve into your and your family’s life!

You can’t live daily thinking or hoping that you will eventually get to it—you must put a plan in place that is measurable (a plan that has goals that are measurable and has a deadline for accomplishment).

Your plan must also be realistic (you must have the income and mental qualities that are needed to move forward effectively or you must be determined to get the income that is needed and cultivate the mental qualities that are neededto a higher level)


Are you waiting until the last minute to do what needs to be done on important matters in your life? 

Why wait until the last minute pressure?  You must create that last minute pressure (urgency) on a daily basis in your own mind, even though there may be no pressure in actuality
if you are to achieve at a high level!

You must realize that you can do much more on a daily basis!  Do you realize that most people only use a fraction of their brainpower on a daily basis?

You can pay off your credit cards and other debt in a timely manner, you can take the vacation that you desire at the time that you desire, you can donate and volunteer your time to your favorite causes!

You must realize that if you are "truly sincere" you can fund your retirement account at the level that is needed for you to enjoy your retirement and you can put yourself in position to purchase that vacation home that you always dreamed about!  

You must also realize that you must "comprehend and apply" the powerful content on this site on a consistent basis.  

In most cases your "consistency in action" will be the key to your financial breakthrough while utilizing this site!


You can do all of the above and more!

However, it will take effort on your part.  No one can do it for you!

You must know that you are powerful, creative—and you have the ability within you to get into a habit of doing what needs to be done—now! 

You really are the determining factor for the future success that you desire!

You have what it takes!  You must use your imagination, knowledge and intelligence to bring into existence what is necessary to bring you and your family the joy at the level that you desire!  

You must understand that you can create your own opportunity!  Opportunity is all around you—you can create opportunity on your own or with others who are also creating opportunity. 


However, you must decide to get started!   You can begin by taking one step, but you must get started!  You must move forward and you must get into the habit of taking decisive action—consistently!


Your future in large part depends on how you prepare now!  You must start now!  What is your vision of success?  What is your idea of success?

Nothing is as powerful as a vision that is “put into action” and one where you have “true faith” that the vision that you see—will occur.

You must work to change who you are, right now—right where you are at if you really want to get to where you want to be!  

You must prepare your mind for the success that you desire!  By preparing your mind now
you will know what to expect in your future. 

You must prepare your mind now with the right knowledge so that you are ready to move to action appropriately when opportunity comes knocking!

Your daily activities and how you perceive your future will in large part determine if you are really committed!

Do you have a strategy that can take you from where you are now at to where you desire or need to be so that you can enjoy life on your own terms? 

A powerful vision is bigger than you and where you start.   Be sure to utilize this site to your and your family’s best advantage today! 


By doing so we are of the opinion that your future will be bright and you will enjoy life on your terms.

You can attain the joy that you desire or rejoice in knowing that you can do the things that you did in your past that brought you joy, if you put yourself in position to effectively attain your goals.


You can now use a number of strategies to address some or all areas of your credit and finances right now—with no strings attached!

Even if you are now facing a difficult stretch in your life you must take action!  Don't let life pass you by at this time because you feel the timing is not right!

We wish you untold success in your and your family’s future and you can attain just that—starting today!

You can change your future to that of success today if you look at your current position in a different way. 

You can make favorable outcomes happen in your and your family's life and avoid financial strife—if you have the preparation that you needto succeed.

You must look forward and know that the success and joy that you desire will come into existence for you and your family and take your living conditions higher!

The joy that you want to bring into existence can occur if you are truly persistent!

Don't let your mind "cave in" or be resistant!

Your success is not in the distant!

Your path to success is now...

Navigating this site now—will show you how...

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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:



Atlanta South Location:

Realty 1 Strategic Advisors, LLC

77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

Atlanta Central Location:

Realty 1 Strategic Advisors, LLC

2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

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