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Personal Finance Success Planning

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Think Smarter.  Live Better.  Success is Now.



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Many who visit this site state that they continue to find inspiration and solid advice to help them change and improve their financial lives.

Many state that this site has been highly effective in helping them reach their goals and has totally changed their life for the better.

Based on those and countless other e-mails and conversations from consumers from around the world—this page was inspired by—and hopefully will serve those who enter this page with valuable and beneficial advice that will change their life for the better in a major way.

Whether you are an employee, self-employed, a student, a professional athlete, entertainer or currently unemployed or underemployed, you will find invaluable advice and information on this site that has the potential to change your life for the better in a major way.

The “success planning” discussion that follows was inspired by consumers from around the world, however the observations and communications with many past clients over the years provide the framework for the “Success Planning” discussion that follows.

It is our desire that this discussion will lead to untold success for you and your family.

If you find benefit in this page and site—be sure to pass it on so that others can gain a similar benefit to improve their lives and that of their family's.

Hold on tight—we now hope to inspire you as you journey on your way to success.

Even if you are already successful you will find invaluable information in the paragraphs that follow!

Over the past 20 years we have had the privilege of working with many successful past and now current clients.

In many cases they had similar qualities and as we look back and reflect on many of our past and present clients we were able to discern that "Successful People" all seemed to have the following qualities:

• Put a premium on staying healthy and fit.

• Had a positive outlook or mental attitude about life

• Had a high energy level

• Had an understanding of—and knew how to control their thought process

• Were intelligent in thought—thought analytically, accurately, carefully and critically 

• Applied their faith in their daily living

• Were loyal to others—and others in turn were loyal to them

• Had mental congruence with others to help them reach a common goal

• Had a high appreciation for life

• Had a definite purpose, pleasant personality and took initiative at all times

• Knew how to budget their time

• Used written plans to more effectively reach their financial and life goals

• Had an incredible imagination

• Always gave or did more than was expected

• Always seemed to be able to gain the cooperation of others

• Always responded positively to adversity that came their way

• Had self-discipline at all times

• Had enthusiasm that flowed through their body and was picked up by others

They all seemed to have control over their physical well-being and thought process and were good analytical thinkers and applied their faith consistently on a daily basis.

Why You Should Be Concerned About the Qualities of Successful People?

Positive qualities of successful people can change your life for the better if you understand and apply them for your own benefit.

Positive qualities that you develop can make your life better for not only you, but all whom you come into contact with.

If you lack many of the qualities or are weak in certain areas—the good news is that many of the qualities can be cultivated and enhanced by you over time if you have the proper mental focus and discipline and make the decision to change!

You can improve your health and attitude by developing regular exercise programs. You can improve your analytical and thinking skills by utilizing proven techniques.

By applying these positive qualities of successful people on a consistent basis—you can't help but to improve your life for the better.

You will be in position to totally take back your life and attain many of your goals that you may have been reluctant to pursue due to fear or lack of knowledge.

You can increase your faith and apply your faith in your daily living!

You can determine your purpose for living, transform your personality to a pleasant one and develop personal initiative!

You can allocate your time more effectively and use written goals to help you reach your financial and other goals more effectively!

You can make better use of your imagination by controlling your mind and allotting a designated period in each day for meditation and your imaginative thoughts will improve!

You can give—or do more than is expected from you by mentally making the decision to do so and then actually doing it!

You can gain the cooperation of others by improving on all of the qualities above—and developing a cooperative spirit!

You can make the decision to respond favorably to adversity by mentally making the decision to do so on a constant basis!

You can increase your self-discipline by mentally focusing and doing what is necessary!

If you do all of the above, enthusiasm will begin to flow from your body because you will now believe in yourself so strongly that your enthusiasm for life will come out.

All of the above require you actually “doing” what is required and takes mental, physical and spiritual strength—however you have all that it takes inside of you.

The question is are you going to make the “decision” to change—and actually change—or are you just kidding yourself!

Key Positive Qualities of Successful People

Most Successful People have a high level of faith and apply their faith consistently in their daily living.

Faith with action can lead to successful living.

With faith and action you start pursuing your dreams with the real expectation and belief that your dreams will be reached!

Faith with action (proper preparation) must (for optimal results) be done daily so that it will build to an even higher level.

You should never let fear (negative energy) rule your decisions and actions. Use your personal initiative and mental thought process to never let fear affect your decision making.

You must realize that you may have to take risks if you want to reach your desired goals. You can reduce your risks by doing the proper planning on the front end.

Although we all suffer from fear to a certain degree, don’t let it be the driving force in your life.

Fear can help you in many cases by helping you raise your guard and study a situation more carefully before making a decision or taking action.

After that fear should have no place in your mental thought process! Once you stop and thoroughly analyze your situation—you may find that your financial fears in many cases are unwarranted.

For those who are truly looking to succeed financially (and in life) you must control your thoughts and goals with absolute faith by creating a written plan of action to help you reach your goal(s).

You must have the means (finances) to actually reach your goals and put a solid action plan together that will give you the vision and guidance that you need to meet your future goals more effectively.

Use your strength and courage (positive energy) to counteract your fears!

Faith and action will help you counter your fears. 

Your faith—if properly utilized is always active and ever present and will always defeat your fears.

Your mental attitude will determine if faith or fear will rule your life.

You are in total control of your mind—and if you have cultivated true faith and action—over time you will have the courage to move forward and overcome any obstacle in your way.

What It All Means

The more positive characteristics that you have the more dynamic a personality you will have generally.

If you are particularly strong in just a few areas you can still be successful.

Your goal—however should be to improve as a person to the highest level possible.

Therefore, improving and enhancing areas where you are weak will help you get to where you need or want to be.

You must do a complete and honest self-assessment in your own mind to see where you can improve at—and then take the initiative to get started without procrastination.

The sooner you get started—the sooner you will see results.

Keep in mind that those who were unsuccessful, also had certain (negative) qualities, however that should not be important to you.

If you concentrate on and master the positive qualities listed above, the negative qualities will be defeated and not apply to you—if you do it at a high level and truly apply the positive qualities to your life on a daily basis.

Use the following poem to your benefit so that you can take action—now!

Action or Inaction of “Some People”

Some People—talk and no action

Some People—talk and action

Some People—no talk and no action

Some People—simply reaction

Some People—no talk and action

Some People—no talk and plenty of action

Some People—plenty of talk and plenty of action

Which one of the above represents you?

Which one of the above do you intend to do?

Make the best choice—to make your dreams come true!

Think Big—Act Big—you were born a winner!

Be a “knower and a believer” in regards to your financial future by using written goal setting methods so that you can attain your future goals and improve the living conditions for you and your family.

Final Words of Encouragement

We end this discussion with the following axiom that has the potential to change your financial future:

*If you get started today—success is on the way!

You must know in your heart—that—success is just around the corner after you start!

Navigate this site thoroughly to change the financial dynamics for you and your family—once and for all!

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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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