Knowledge & Monthly Cash Flow
Why Having The Right Knowledge Is So Important

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With the right knowledge you can more effectively manage your monthly income and expenses.

However, your intention must be to truly succeed!  You must have the mindset that you will achieve because you know that your future depends on it!  Your daily activities will determine if you are reaching to attain your goals at your highest level!


You must realize that you can’t reach your goals effectively by looking back at your past—you must move forward.

You must realize that it is one thing to read or listen to powerful information—and yet another—to apply that powerful information—consistently—for the greater benefit of yourself—and your family!

You must realize that your future is now—and what you decide to do now—will determine your future outcomes!

With the proper knowledge—you will know what needs to happen on a daily basis—you will have (within your mind and heart) the attention, focus and dedication that is needed daily—and you will have a real understanding of the goals that you are trying to achieve!

Can You Give Me An Example?

It is important that you have a real grasp of what you earn monthly—what you spend monthly—and what you have left over monthly.  By "knowing" all of the above—you put yourself in position to make decisions that are good for you—and your family.

If you currently earn $50,000 a annually and your spouse earns $30,000 annually—or another way of looking at it is that you both have combined income of $6,667 per month—you could use your knowledge (if you have it at the right level) to make a number of strategic moves that could improve your current situation.

If your expenses total $5,667 monthly—you would "know" that you have $1,000 per month that you could spend—or save—any way that you like.

What You Can do If You Have The Right Knowledge

If you had $10,000 in credit card debt—you could use that monthly discretionary income to pay $500 per month and you could eliminate that debt in roughly 20 months—and if you decided to save the other $500 per month ($10,000 total) you could add that to your emergency fund balanceincrease your retirement contributions—or create an IRA(s) if youor your spouse did not currently have one.


Likewise you could decide to pay $1,000 per month for roughly 10 months and eliminate the credit card debt—and continue saving that $1,000 per month after the credit card payoff—for the time period of your choosing—to build an emergency fund (if you did not have one at this time).

The point is—you have a number of ways that you can decide to go—if you have discretionary income (and the right knowledge) and you are addressing your credit and finances.

You must eliminate the confusion that you may have in your mind about the proper way to go—by obtaining the knowledge that is needed to address your credit and finances in a comprehensive manner.


You now have the opportunity to choose from a number of systems and approaches that may give you the clear credit and financial focus—that you need—and deserve!  You must use your intelligence to come up with a system that will work effectively for you—and your family.

You must gain the knowledge that is needed to address your “monthly cash flow income and expenses” in an effective manner—you must gain the knowledge that is needed to address your current “credit position” in an effective manner—and you must gain the knowledge that is needed to address your "insurance, investment, taxes, emergency fund, education funding, your estate planning/wills and retirement planning!"

By doing so—you put yourself in control of your credit and financial future!

If you desire to control your credit and financial future—in a highly effective manner—this site can take you to where you need—or desire to go—right now—if you are sincere in your efforts to obtain the knowledge that is needed to do so!

You must realize that if no one around you know how to manage and improve their credit and finances successfully—there is a good chance that you won’t know how—unless you make the decision to obtain the knowledge that is necessary—on a consistent basis!

You can now pursue a path to success where you will know that if you take the action that you need to take—you will achieve the goals and objectives that will serve your—and your family’s best long-term interests!

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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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