Patience & Personal Finance
Learn Why Patience Will Serve You Well As You Journey Toward Your Goals

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As I contemplated this 100th page, I thought to myself—what a wonderful accomplishment.

I have actually created from my mind a website that actually did as I intended it to do—to improve the credit, real estate and financial lives of consumers worldwide in a highly effective manner.

I then realized that I had to come up with a topic of discussion that is worthy of 100 pages.

I then came up with “patience and personal finance” based on the high number of inquiries about this topic that we have received over the years from consumers from around the world.

Many consumers always want to know—how long will it take to reach the goals that they desire in their credit and financial future?

In this discussion our goal is to explain the topic thoroughly and in a manner that you can readily understand and benefit from.

Patience is a quality that you must have as it will help you as you respond appropriately to adversity that you will undoubtedly face in your life.

You must believe and know that the “adversity” that you face can be overcome if you have "patience" and really know “deep within” that better days are in the horizon! 

As long as you believe with all sincerity that successful days are truly in your and your family’s future and you take the necessary action to make those better days occur—success will occur.

You must realize that when you are pursuing your credit and financial goals you must prepare your mind for the “time frame” that it will take for you to achieve your “written goals!”

You must understand that in many cases your success won’t happen overnight, but will usually take several years or so—depending on your income, outstanding debt and your future goals and objectives.

You must realize that your retirement goals may take decades! 

However, you must stay consistent in your approach and have the "patience that is necessary" to make your retirement or any other goals and objectives that you may have—a reality.

By realizing upfront that you must have “patience”—you set your mind up for the realistic expectations that lie ahead.  And you will gain the “mental fortitude” that is needed for future success!

By doing so, you will put your mind in position to see (your vision will be clearer) the success that you will enjoy once you achieve your debt payoff or any other goal or objective that you may have in mind.

Patience is a quality that many consumers lack at this time because many are looking for overnight success and are not willing to put in the “work” that is required at the various stages of their life that will lead to future credit and financial success—at a very high level.

You have the opportunity to use the quality of “patience” to your and your family’s benefit!

You can achieve your future goals and objectives if you understand that every action that you take towards reaching your future goals moves you closer to your future goals—and every other action that you take (or fail to take) moves you further away from your future goals.

Even though you may understand that you must have patience, you still need to know that you must also have self-discipline and self-initiative on a consistent basis if you truly desire to make your future goals a reality.

You must use “written goal setting” so that you can magnify your vision and see the vision (in your mind) really happening.

By understanding how you can use patience to achieve your future goals you put yourself and your family in position for the success that you desire.

You can achieve your future goals—however it is important that you realize that it will take patience along with self-discipline and a high level of belief in your and your family’s future to make your goals and objectives a reality!

You must understand your current credit and financial position in a thorough manner prior to your home purchase or any other credit or financial maneuver (or goal) that you may have in mind.

So how long will it take for you to reach your goals and objectives?

It depends on how aggressive you are in your payoff efforts, your level of determination, your income level, your current expenses and other factors that are unique to you.

If you are trying to eliminate all of your revolving debt it usually takes several years—depending on the amount, for retirement planning it can take decades, if you want to save for a boat it may take years.  If you have recently filed bankruptcy it could be years.

In short “it all” depends on your goals, your income or cash flow, your expenses or debt obligations, your discretionary income and other factors that are totally unique to you.

Therefore you must have patience—regardless of your future goals and objectives.

The time frame needed to reach your goals and objectives will vary from person to person and from situation to situation as income, expenses, goals, money management personalities and other factors differ among consumers.

Maybe not the “specific” answer that you were looking for—however the key point you must realize is that it takes patience and proper planning along with the right amount of income to reach the goals and objectives that you desire for yourself—and your family!

For those of you who have visited this website for years, you already know that this is a site that is like no other and that was the goal since the first page was created.

You already know that our websites have redefined the way that consumers achieve success worldwide.

For those of you who are new or fairly new to this website, you too will soon understand why this site is redefining the way that personal credit and personal finance success is achieved by consumers on a worldwide basis!

On this site our goal is to explain timely credit and financial concerns in a manner that can really benefit consumers (you) in a real and meaningful way.

Our new book that hits the market this year (Fall 2012) will further help redefine the way that success is achieved for consumers (you) in an even more forceful and effective manner!

As we look to the future and anticipate our growth, we will continue to stay grounded and continue to focus on new ways that we can assist consumers (you) worldwide in improving their credit and finances in an effective manner!

We thank all who have visited this website and have benefited in a real way and we ask that you spread the word about this site so that other consumers worldwide can gain a similar benefit.

We look forward to the next hundred pages—and we feel that they will be just as empowering as the first 100 pages.

We thank you for visiting and we ask that you continue to improve your credit, finances and living conditions to a high level for yourself and your family.


Thomas (TJ) Underwood

Content Writer

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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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