Preparation & Personal FinanceWhat do I really need to do—to attain credit and finance success at a high level?

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Originally posted in 2010

Updated on 01/21/2017 by Thomas (TJ) Underwood of Realty 1 Strategic Advisors

Learn How To Properly Prepare Your Mind for Future Financial Success

You must be prepared for your credit and financial journey if your goal is to improve the living conditions for yourself and your family to a high level.

Obtaining the “know how” of how to successfully reach your future credit and financial goals
takes “preparation” on your part.

If you have bad knowledge in your understanding of your credit and finances—you will have bad judgment in most cases. 

By having bad or inadequate knowledge and using bad judgment you could possibly make your credit and financial journey more difficult!

You can find free, easy to understand, helpful advice here on this site if you truly want to "prepare yourself" for a successful credit and financial future.

You can also purchase a book, or find other relevant cost effective ways on the internet that will help prepare you for your future credit and financial success.

The first part of "preparation" in reaching your credit and financial goals are to understand that you must obtain the knowledge that is necessary for you to effectively manage and improve your credit and finances.

It is important that you are committed at a high level to reach your goals. You must know (within your own mind) whether you are truly committed to reaching your goals.

Proper preparation in many cases takes time and effort and if you lack the commitment that is necessary to "prepare yourself" for a successful financial future—you may not reach your goals.

By obtaining the "knowledge" that is necessary to really move yourself and your family forward you put yourself and your family in position for future success in a more efficient manner!

The questions that you must ask yourself
and answer appropriately within your own mind are:

• Do I have the commitment, desire, eagerness and enthusiasm that is necessary to achieve my credit and financial goals?

• Am I passionate about attaining my goals and objectives at this time?

• Do I have a "meaningful understanding" of personal financial statements and the "factors" that affect my credit scores—including the ratios?

• Do I know all areas of my finances that I "must" address?

• Do I have adequate "discretionary income"
at this time that can propel myself and my family towards our future goals in a more efficient manner?

These are the often difficult but necessary questions that you must ask yourself if you are truly aspiring to reach your and your family's credit and financial goals!

Your commitment, enthusiasm and passion to really reach your goals will show in your daily activities and the way that you respond to adversity along with how you "prepare your mind" for future success.

When difficult times occur in your life will you have the "staying power" to stay focused and attain your goals and objectives in spite of the adversity that you are facing?

By being “properly prepared” you can attain any goal or objective that you set for yourself and your family.

Being "properly prepared" means—knowing whether you have the financial means, the right knowledge necessary and the motivational qualities on the inside of you that are needed for success!

Being prepared on the front end prior to putting your credit and financial improvement plan in place is a critical component of you truly reaching your and your family’s financial goals and objectives in an effective manner.

Unlike many, by preparing for your future success "prior to" starting on your credit and finance journey—you will put yourself and your family in "real position" to make "real success" a "real possibility!"

By properly "preparing in advance" you are showing that you are "sincere" in reaching your
and your family's future credit and financial goals.

By taking the time now to really "properly prepare" yourself for your financial future you are making a good choice and future success at a "high level" will be in your and your family's future!

You must be a knower, doer and believer—if you want to be a high achiever!

Improving your personal finances to a high level requires that you know what you must do prior to starting on your credit and finance journey.

In other areas where you obtain a vision to pursue a goal or reach your life purpose you may not have clear knowledge of how you will accomplish your vision—but it will come to you as you take action.

Improving your credit and finances differs from other goals or objectives that you may have, because it is an area that offers a long track record of how to attain your goals successfully.

If your goal is to improve your credit and finances to a high level—there are numerous proven ways of doing so.

To improve your credit and finances to a high level you must gain all of the right knowledge—prior to starting on your financial journey.

Doing so will put you in position to make decisions that are good for you and your family!

You must then (apply) "do" what you "know" in a manner that will benefit you and your family the most.

At all times you must have faith and "believe" and "know" that you really will achieve the goals and objectives that you set for yourself and your family.

By "knowing, doing and believing" at a high level—you put yourself
in position to attain "the success that you desire" for yourself and your family!

By properly "preparing" on the front end you are planting a seed in fertile ground (deep inside your heart and mind) and your harvest will be bountiful—if you stay focused on a consistent basis.

Why You Must Prepare Properly?

You must get into the habit of never obtaining your understanding and practical application of your credit and finance systems and approaches while you are in the middle of a transaction!

You must be prepared (obtain the mental working knowledge) on the front end if you want to pursue your goals properly (attain the success that is in your best interest) and in a manner that leads to true and lasting success!

You must fully realize that proper preparation is the key to your credit and financial success!

You must realize that you can’t effectively develop a plan in the middle of your transaction—or on the fly!

If you are in the process of improving your cash flow, improving your credit, or improving your finances
in any or all areas—you must have an effective mental process and clear vision of how you will get there!

You must gain the knowledge and practical application that is necessary on the front end if you want to be more effective and really reach a high level of success!

By doing so you can benefit yourself and your family in a way that can really provide you the direction that you and your family need

By doing so you can get on a path of success that will have fewer roadblocks and pitfalls—therefore you will be able to take your success to a very high level in a more efficient manner!

Be sure to prepare your mind for the credit and finance journey that can lead to you living your life on your terms
and in a manner that gives you joy at a level that you desire!

We believe that you will do just that
and by doing so you will obtain success beyond your imagination!

All the best...

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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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