Perspective & Personal Finance
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Did you know that the way that you approach and look at your personal finances will often determine the success or failure that you might have in your future? 

It is important that you have the proper perspective and you gain the right knowledge at the right time.

If you start gaining the right knowledge and you use it effectively in your life you will begin to see positive change in your life. 

By experiencing that positive change on a consistent basis you will want to gain even more knowledge!

If you start gaining the right knowledge and you use it effectively in your life and you begin to see positive change—you will “utilize” that knowledge in a more effective manner!

If you start gaining the right knowledge and you use it effectively in your life you will begin to worry less about your finances and you will gain the “clear direction” and focus that you need and deserve!

If you start gaining the right knowledge and you use it effectively in your life—you would be less likely to “lose financially” because you would possess in your mind the tools that are needed to avoid a bad situation.

If you start gaining the right knowledge and you use it effectively in your life and you begin to see positive results on a consistent basis.

You would also be more likely to spread that knowledge to others and help them transform their life to one of success as well!

You must also realize that once you gain the right knowledge and you make it up in your mind that you are going to utilize that knowledge to benefit yourself and your family in a real way—you must be sincere in your commitment to do so!


By gaining the right knowledge you won’t blame others for your current financial condition or position in life. 

You will have the belief and knowledge within that it is “you” who are in control of your future—and your past will not
have a negative effect on the future success that you see!

You must gain the clear direction that you need and reduce or eliminate any doubt that you may have about your future whether it is financial or dealing with any other area of your life.

By navigating this site you can obtain the wisdom and guidance that is needed to manage and improve your credit and finances to a high level. 

This site will take you to where you need
or desire to be if you  have made it up in your mind that you really want success!

, it is important that you have the personal commitment, determination and personal initiative that is needed on a daily basis to make it happen!

If you are at a critical or important point in your life or you have to make a decision—whether big or small—in regards to your credit or finances—you want to be “in position” to make the best decision or the one that gives you the “clearest direction” and provides you the right path to the success that you desire!


It is important that you realize that reaching your goal(s) will take “activity” on your part. 

You cannot sit by and just think about it, dream about it, or expect others to do it for you! 

You must be an "active participant" in the success that you desire—regardless of the choice that you make while you are in the process of improving your credit and finances.

Whether you choose to utilize this site, our companion site, our powerful new book, financial plannersor other means to achieve your goals, you must have the mindset that “you” will be “active” in making your future goals a reality!

You must always have the “perspective” that whatever the source of your knowledge and wisdom that you will receive in regards to your credit and finances—or any other area of concern in your life—you must always know that you must be “active” in making your goal(s) a reality.

That activity includes forming a vision for success, believing and knowing that the success that you desire will really occur and taking action at a very high level to achieve that success!

By having the proper preparation and proper knowledge that you believe and know within your mind that you can apply effectively over time—you exponentially increase the likelihood of future success for you and your family!


We wish you untold success in your future aspirations!

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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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