Personal Finance & You Blog

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In these difficult times—many lack the faith, determination, perseverance, and know how—to effectively improve their finances for themselves and their family.

This blog will keep you informed of cost effective measures that you can take to immediately improve your and your family's finances.

Based on E-mails and conversations from all over the world many have used this blog to improve their living conditions to a high level.

We are confident—that you too will find this blog invaluable if your goal is to truly improve your finances.

You too—can make your financial dreams come true!

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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:



Atlanta South Location:

Realty 1 Strategic Advisors, LLC

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Peachtree City, GA 30269

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Atlanta Central Location:

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Atlanta, GA 30349

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Who is Thomas (TJ) Underwood

Learn Who Thomas (TJ) Underwood Is

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Why Success Is In The Future for All Who Visit this Site...

You Can Achieve Success At A High Level In Your Credit, Finance & Real Estate Transactions

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Ways That You Can Save Money Immediately

You Can Save Money If You Thoroughly Review Your Finances

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You Can Recover After Bankruptcy If You Take The Right Approach

You’ve Just Completed a Bankruptcy—Now What?

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Top Financial Web Sites That Can Save You Time

Top Credit, Finance & Real Estate Sites

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Confidence & Personal Finance

Learn Why Having A High Level Of Confidence About Your Financial Future Is So Important

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How Improving Your Finances Can Change Your Life

By Starting Your Financial Planning Early You Can Improve Your Living Conditions

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Retirement Planning Is Essential In Today's Economy

Learn How to Plan Your Retirement—So That You –and Your Family—Can Live at the Level That You Desire

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If You Have Outstanding Debt You Must Address It Immediately

Why It Is Important That You Control Your Credit Habits

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Why Having The Right Vision is So Imprtant

It Is Important that You See Your Future Clearly

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X-FACTORS & Personal Finance

Learn how the X-FACTORS can help you achieve more financially

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You Can Use Humor on a Daily Basis & More Effectively Reach Your Goals

Learn How You Can Use Humor In Reaching Your Financial Goals

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