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Mental Fortitude & Personal FinanceLearn Why  You Must Get a Real “GRIP” on Your Financial Situation—Now

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If your goal is to improve your and your family’s credit and finances to a "high level" it is important that you set Goals that are meaningful, you properly assess your Risks, you have adequate cash flow or Income—and you are keenly aware of your Personal Situation.

You must analyze and improve upon your:




P—ersonal Situation

If you want to improve your credit and finances—the orientation of your mind must be toward success—at all costs.

You must set "Goals" and never give up until you reach your goals—and then you must come up with new goals that are more challenging—and more inspiring.

Whenever you set a goal be sure to make it a point to not give up until you have accomplished that goal. You must understand that if you don’t set goals and strive to reach them—you are operating in fear.

If you set goals and have every intention on reaching them you are operating in courage.

You must always operate in courage if your goal is to achieve at a high level. You must set goals and act upon achieving those goals in a prompt manner.

There will be many "Risks" that you face as you try to improve your credit and finances! However, you must take action if you want to change your life for the better! You must understand that you must act on the good ideas and visions that come into your mind.

If you fail to act on the good ideas or visions that you see—you risk losing the idea or vision if you do not put the idea or vision into action.

Why Creating a Vision is so Important

Even in my own life I had visions of creating the best websites for consumers who wanted to improve their understanding of real estate, credit and finances—running around in my mind—for a number of years—however, those visions were nothing until I put the vision into action (put pen to pad and made it happen).

The visions floated around in my mind for years and yet the vision was nothing until I took positive action.

However, once I committed my mind to create the vision—the vision had the force to change consumer behavior toward their approach to their real estate, credit and finances on a worldwide basis!

The creation "and" execution of your vision is the only thing that really counts when you really get down to it!

If you have thoughts of improving your credit and finances (or any other meaningful thoughts) and you don’t act on those thoughts—those thoughts are really nothing until you take real action and make a real commitment to make those thoughts a reality.

Even if you don’t know how at this present time—if you take positive action and get started you can put yourself in position to find a way to reach the goals that you desire.

You must understand that you will have to do all of the difficult things that are necessary to reach your goals.  You must visualize your successful future!

It is also important that you have adequate "Income" or cash flow if you want to improve your credit and finances to a high level.

You must be in financial position (or make a serious effort to get in position) to analyze and apply the powerful information on this site.

If you believe at a high level and take action at a high level success will be in your future regardless of your past! If you utilize the knowledge that you are learning on this site you will be empowered at such a high level that success will be in your future!

You must use your inspiration to keep your flow of ideas going as it relates to your credit and finances. Your "Personal Situation" and mindset is also key to your future.

You must understand that positive change can be generated from consciousness—however, you must consciously make the choice to change your future and manifest your destiny at this moment in time and space!

Your unconscious mind will then have the potential to be activated at such a high level that you will be astonished at the level that thoughts and ideas begin to reach your conscious mind!

You must give serious thought to your credit and financial future daily, study daily and plan your future on a daily basis if you want to make the most of your abilities and achieve at a very high level!

Always have your "antennae up" for Inspiration that comes your way

You must be able to suspend your intellect or put your intellect at the back of your mind and let inspiration flow in at the front if you really want to achieve at a high level.

You must have your "receptacles" up to receive the inspiration that will come to you. You may receive inspiration—unconsciously, consciously, in your dreams and in other ways that are unknown.

The key is that you must be open to receiving the inspiration and acting on the inspiration if it is in your best interest to do so. You must not let your intelligence outwit the inspiration that you may receive as the inspiration in many cases has the power to transform your life in a major way!

Don’t do like many who have access to powerful inspiration but fail to receive the inspiration and act on the inspiration. They often live their life wondering why nothing “big” is happening in their life!

It is often due to their inability to dream big and put their intelligence on the back-burner or slow their mind down and receive and act on the inspiration that they receive—that truly has the potential to change their life in a major way!

The creation of this page is the result of inspiration occurring and inspiration being acted upon. The creation of this site and page are the result of dreaming big and knowing with 100% certainty that success would be the outcome!

Prior to creating this page I could have done like many and let the inspiration that entered into my mind float away possibly never to return or I could act on the inspiration just as I did—to bring you (hopefully) a better comprehension of how you can understand and apply inspiration and other mental processes in your life—to help improve the living conditions for you and your family!

Over the years we have received countless e-mails from people who have used the information on our websites to improve their credit and finances.

Many have taken the time to inform us that they have changed their attitude towards their finances in large part by visiting our websites.

Many have stated that they had tried to improve their credit and finances on a number of occasions in the past but found it too difficult and overwhelming until they came across this website!

Those communications have been inspiring and provide the fuel that continues to propel us to provide credit and finance advice at a high level.

You must always remember that when it comes to improving your credit and finances, you are the only person that can stop you!

Use that knowledge to set goals—visualize your futuretake actionwork—and make the goals that you seek a reality for you and your family!

You must also remember that when you are in the process of reaching your goals you must have self–discipline and self-confidence!

If you value your and your family’s future you will develop and cultivate self-discipline and self-confidence at a high level. You must do so because if you are “sincere” about reaching your future credit and financial goals you must approach those goals with the real expectation that they will be reached.

You must realize that you can cultivate the habit of self-discipline or any other quality of success if you have a “real and sincere” desire to do so.

You must always have a high level of self-esteem and self-confidence regardless of how your peers  or the larger society look at habits of success.

Once you cultivate the habits of success to the right level you will be able to achieve at a level and pace that you never imagined!

Always remember that every action that you take will move you closer toward your goal or away from your goal!

To be truly successful you must apply your time and energy on things that really matter and on many occasions avoid the things that you may want to do!

Be sure to use all of the thoughts, theories, models, concepts, strategies and approaches that you are learning on this site to propel you and your family forward to meet the goals and objectives that you desire in the most efficient manner possible!

The creativity and vision that led to the creation of this page was brought into existence when I made the initial decision to create this website. It is no accident that this page is totally original and written in a style that is totally unique!

When you make the decision to take action on a consistent basis you set in motion the inner workings of your mind to operate at a higher level.

You too—have what it takes on the inside to create the future that you desire for yourself and your family!  The key is you must make a serious commitment to bring it all out!

Properly navigating this website will assist you in gaining the "mental fortitude" or "mental strength"
that is necessary to do the things in your credit and financial life that you need to do.

We wish you untold success in your future!  You now have access to the right information that will move you and your family forward—if that is your desire!

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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:

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77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

Atlanta Central Location:

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2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

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