Personal Initiative & Personal Finance
Learn Why It Is Important That You Have The Initiative to Take Consistent Action

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On many occasions over the past 20 years while I operated as a financial planner and real estate professional—I have asked those seeking to improve their credit, finance and home buying and home selling position to pull their credit report and improve upon it prior to continuing on their financial improvement journey.

In many cases the consumer did not have the “personal initiative” or self-discipline to pull their “own credit report” and improve their credit and finance position.

Many had excuses or reasons—or saw the duty of doing so (pulling their credit report) as someone else’s responsibility—and thought that the fact that I had asked them to pull their “own” credit report—was somehow interfering with their time and lifestyle.

On many occasions they went elsewhere where the responsibility for their future success was not of concern to the company they chose to represent them.

In many cases the real estate agent and loan officer’s put them in a situation where the loan and terms they got were not in their best interest.

Yes, it is true that they did not have to do any work (pull credit report) to get their loan and house—of their dream. However, in most cases it came at a cost.

By not having a keen interest and the "personal initiative" and self-discipline with their own finances—at the level that they needed to be at—they set themselves and their family up for future financial difficulties in many cases.

Once the real estate and financial market meltdown occurred in 2008-2009—many were devastated financially.

Don’t be like those who feel they know it all and are unwilling—for whatever reason—to analyze and improve their credit and finance position.

It is imperative that you have “personal initiative” and self-discipline at all times—if your goal is to be truly successful in your credit and financial life!

At the very least you should review this—and other top personal finance and real estate sites to get a feel of what successful credit, finance and home buying and home selling improvement looks like or entails.

You can succeed and do it right if you have the know how, discipline, initiative, and resources to reach your—and your family’s financial goals.

It is important that you are open minded—and analyze ways and techniques of credit and financial improvement that may be different—but more effective.

If it (the info) does not make sense to you—or you feel you can’t achieve under that system—move on! You at least need to have an analytical spirit and a spirit of trying to improve your credit and finances in the right (or best) manner!

However, that does not mean that you should be naïve and accept whatever you come across as fact! Navigating this site will put you in position to make an informed decision today—that can move you and your family forward financially—in a major way!

Even on our websites—that we feel are two of the best on the internet—if it does not make sense to you—and/or is something you feel you can’t do to transform your life—it is in your best interest that you move on—and find a system or approach that is more to your—and your family’s liking.

Having said that, we do not believe there are better sites for consumers—on the internet—than that of and However, we will let you be the judge. Review both of the sites listed above—along with others—and come to your own conclusion.

Use your "personal initiative" that you have inside of you—to improve your credit and finances to a high level—so that you and your family can enjoy life in the manner that it should be enjoyed!

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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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