Mental Energy & Personal Finance
Learn why you must work smarter while managing your credit and finances

1-2-3 Credit & Me is now available...
What's Inside 1-2-3...
Think Smarter.  Live Better.  Success is Now.



You can now start enjoying your life more and manage your credit in a smarter, more cost-effective, more time-efficient, easier-to-follow and easier-to-apply manner...

Learn how effective financial planning can change your life for the better...

100 money saving strategies...

Learn about 15 Questions that every home buyer should know the answers to “prior to” purchasing their home…

Do you have the mental energy to manage your finances effectively on a daily basis?

Did you know that self-discipline allows you to set goals more effectively, implement strategic plans more effectively and control your thought process more effectively—all the while leading you to accomplish what you really desire in a more efficient manner! 


By utilizing self-discipline in the right manner you can accomplish more in a shorter period of time!

You can also increase the "mental energy" that you need to succeed!

You can also set goals and properly focus more effectively by using self-discipline on a daily basis!

What are you working toward accomplishing? 

You must know what to work on prior to and while managing and improving your credit and finances—if you are to take your energy level higher!


Did you know that before you become efficient at something you must first become effective if you desire to achieve at your highest level? 

This site provides you the opportunity to become effective and efficient in the management of your credit and finances in a manner that you have never experienced!



How can you find the best way to manage your credit and finances if you don’t have a real understanding of what your credit and finances consist of? 



By gaining a comprehensive understanding of your credit and finances you at least open up the possibility to manage your credit and finances more effectively.  However, that alone is not enough.  You must also have an approach that allows you to do it more efficiently!

By gaining a comprehensive understanding of your credit and finances you put yourself in position to gain the mental energy that is necessary to reach many or all of your goals that you desire for yourself and your family!



Managing & Improving Your Credit & Finances for this MILLENNIUM provides you a new, creative, simpler and better way to manage your credit and finances by providing new and empowering structuring techniques including the groundbreaking 3 Step Structured Approach to Managing Your Credit & Finances that you can apply at the time of your choosing—throughout your lifetime so that you control your credit and financial future!


You must not waste time and energy when things don’t go your way!  You must not make excuses! 

You must leave things that didn’t go your way in the past—in the past, however you must learn from your past experiences and use what you have learned from those experiences to forge a brighter future.

You can then move forward in an efficient manner and not suffer from immobilization.  You must always realize that you have inside of you all of the energy that you need—to succeed.


You must continue to live, enjoy, achieve and succeed and work diligently towards  that which you desire most!  Make the choice to move forward!  Why live a life of misery or live in a manner where you feel sorry for yourself?


The only thing worse than trying is not trying—because by not trying you have a zero percent chance of achieving what you desire!

Did you know that your “mental energy” or ability to get things done often decrease as you age?

You must always remember that while pursuing your goals mishaps may occur along the way, however mishaps along the way is often better than not trying at all because your inaction guarantees that—nothing will happen! 

You must always realize that you can recover from your mishaps if you believe you can and you respond to your mishaps in an appropriate manner! 

You can put yourself in position to do it right in the future if you are of an active mindset (take action or make decisions consistently) and you truly desire to reach your goals!

You must become more of what you are capable of by taking consistent action on a daily basis and achieving at a high level on a consistent basis!

You must increase your awareness about your credit and finances by gaining the knowledge and preparation that you need—to succeed. 

Do you recognize where you are currently at with your credit and finances?

Are you highly motivated at this time and do you sincerely want to improve your credit and finances? 

Are you ready to experience a mindset change that is real or do you want to continue wasting your time and energy on matters of insignificance in your life?


Did you know that if you fail to put a plan in place to control your future, your future will control you and pull you in directions that are not of your choosing and directions that are possibly adverse towards what you need or want to accomplish?

Are you willing to sacrifice some now in order to achieve more in your future?

Some of the theories models, concepts and ideas  that you will encounter on this site may make you feel uncomfortable and may require a greater involvement of the use of your mind than you are accustomed to.

However, if you apply many of the theories models, concepts and ideas that are presented on this site you will have the opportunity or potential to  arrive at your financial destination in a manner that you never imagined!

In addition, you must stay focused and press on when times get difficult and you must comprehend and apply what you will learn. 

By doing so major success lies ahead for you and your family!


If you make the decision to focus in on and apply what you will learn on this site at this time you can position yourself to achieve what you desire.

By taking consistent action now, in your future you will be in position to devote less time and energy on managing your credit and finances!

Your consistent use of the theories, models, concepts and ideas on this site will make your required work easier from a long-term perspective and you will increase your mental energy and be able to accomplish at a level that you never imagined possible.

By gaining the proper credit and financial foundation you can prepare your mind for the future success that you need and deserve.

Are you willing to do a serious self-analysis about your present feelings toward the “qualities of success” and how you are currently utilizing them in your life at this time?


Keep in mind that it may not be a pleasant experience, however it is an experience that you must go through if you are to take the necessary action that will lead to greater success for you and your family! 


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


You must gain the mental fortitude that you need to succeed—NOW!

Properly navigating this site today—will show you the way!

Return to Top

Return From Mental Energy & Personal Finance to Success Planning Page

Return From Mental Energy & Personal Finance to Realty 1 Strategic Advisors Home Page

NEW BOOK1-2-3 Credit & MeNow Available

Learn what others are saying about our latest blog (Summer 2014)

Purchase "The Wealth Increaser"

Learn more about "The Wealth Increaser"

Learn about what is inside of "The Wealth Increaser"...

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)

866-577-7927 (Fax)

Atlanta Central Location:

Realty 1 Strategic Advisors, LLC

2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

866-577-7927 (Fax)

Search Engine Submission - AddMe

Click here to visit The Wealth Increaser.


Jumbo Mortgage Loan News----Atlanta Luxury Home News

Please note that all fields followed by an asterisk must be filled in.

Please enter the word that you see below.