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Positive Habits & Personal Finance—Learn How Positive Habits Can Enhance Your Financial Future

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It is important that you develop positive habits if you desire to improve your finances in a more efficient manner.

You must get a grasp of why having the right habits will move you forward efficiently and you must also grasp why if you have the wrong habits those habits could be hindering the progress that you could be making.

Some people develop bad habits and can’t see what they are doing in life and they do not realize that they are operating with the wrong habits or negative habits that could have major impact on their future outcomes. 

Now is the time that you discover if you have those habits and do something meaningful about them!

It is important that as you focus on where you want to go you develop positive habits.

The first step on that path is to always focus on where you want to go—not where you don’t want to go—nor where you have been unless it truly serves your best interest to do so!

If you desire to be properly balanced with your lifestyle and finances you will aspire to have positive habits on a consistent basis.  By doing so you can reach your future goals in a shorter period of time—with better results as the ultimate outcome.

Why get in a position where you see financial danger or a catastrophe about to occur, but you can’t do anything about it?

Why put yourself in position where you can’t go in reverse—even if you wanted too—because it is often too late at that point?

You must be proactive if you truly desire to reach your vision!

Developing positive habits at the earliest time possible is an important step in proactively charting your future!

Empower yourself now to be a part of the solution to your future success by operating on a consistent basis with positive habits of success.

Your attitude about your finances is also critical for your future success!  It is important that you feel good about yourself and your future—and you must use the power of encouragement that you have the opportunity to utilizeright NOW for your and your family's best interest.

You can choose to develop (or continue using) the habit of blaming others or you can develop the positive habit of taking responsibility for your future!  Why give others power over your life?

You must develop the financial habit of creating a cash flow statement and using it to plan your future more effectively!

You must develop the habit of maintaining your credit at an optimal level during the period in your life where you decide to utilize credit!

You must develop the habit of looking at your finances in a comprehensive or all-encompassing manner—if you really desire to achieve at a high level!

You must make it a habit to get in the right environment for success so that you can thrive by sending out the right messages and receiving in—the right messages—thereby creating the right atmosphere for success!

By developing positive habits now you can get above the issues of your life and let your gift or life purpose come to the surface and be revealed for the world to see.

You may see your flaws now—but if you stay positive and develop the right habits not only will you see your gift—but so will others see your gift!

From this day forward make it a point to see and do things that will make you a better person—live with high expectations and sincerely pursue high achievement! 

Always remember that changing habits does not mean progress—you must gain the right habits and you must be committed to taking the right action—consistently.

Always realize that bad habits can be a hinderance to change—the older you get the harder it is to change your habits for the better.

Always realize that habits are easily formed but hard to break, generally speaking.  Positive change means you must gain positive habits! You are taking on another more beneficial behavior and leaving a less beneficial behavior—in the past!

Changing your habits can occur, but you  must have the attitude that you want to change to a more beneficial behavior and you must have the mindset that you will establish and do what is best for you—within your own mind!

If you are accountable to others for the goals that you set (i.e. financial planners and/or others) that can help ensure positive change and the development of positive habits that can make a real difference in your life.

Pause and think about your daily habits whether it be the management of your credit and finances, who you come into contact with daily and who you are around daily or any of the positive qualities of success that you may need to cultivate to a higher level.

You must have the “frame of thought” or “financial frame of thought” that the vision that you see—is the vision that will truly be!  You must make a serious effort to develop positive habitsNOW!

Your challenge is to get your mind to operate at a “really conscious level” so that you can sincerely achieve your big dreams.

By operating at a “really conscious level” you push harder and dig deeper and you really go after what you desire because you are pursuing your goals at a very high level with a very high level of clarity of thought and focusand you know deep inside that the success that you see is the only possible outcome!

A "Financially Alert Mind" is part of the equation and will play a role in helping you at all 3 levels of your consciousness (subconscious, conscious, and really conscious level—my terminology)!

Make it a point to gain the needed knowledge so that you can let your success radiate and resonate towards the loved ones in your life in a powerful manner. 

If you develop positive habits now you can start on a path to discovering your “life purpose!”  Will you do just that or are you not ready to go to bat?

Now is the time that you equip yourself with what you need—and put yourself in position to succeed!

By doing so you can get on a serious path to achieving what you desire and at the same time take your quality of living higher!

Your goal should be to develop positive habits and get better gradually and consistently so that you can go where you and your family want to go.

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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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