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Responsibility & Personal FinanceLearn why you and only you are responsible for your credit and financial future!

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Learn Why "Taking Responsibility" for Your Financial Future Is To Be Expected of YOU

It is important that you take "full responsibility" for your credit and financial future.

You must realize that it is “you” who must
put in motion a plan that will take you and your family to where you need or want to be!

Do you know that many suffer financially due to irresponsible credit and money management and not lack of income?

In this day and age you can’t depend on others to improve your credit and finances for you.

You must always have a winning attitude and have an optimistic view of your credit and financial future.

Your attitude toward how you feel about yourself and your financial future will play a large part in helping you reach the goals and objectives that you desire for yourself and your family.

It is Your Responsibility to Develop Positive Habits of Success

You must have a high level of determination to really make the goals that you seek a reality. It is your responsibility to develop and cultivate positive habits of success if your goal is to move yourself and your family forward in a meaningful way!

You must pursue sound physical health, have a positive mental attitude, have an energetic spirit, have the ability to control your thought process, have a big imagination (ability to dream big), and apply your faith daily!

You must show loyalty to others if you want loyalty, plan your future with others to reach a common goal, appreciate your life now by taking action daily, have a purpose for living, have a pleasing personality and take personal initiative on matters of significance in your life!

What You Must Always Do

You must always budget your time, always be intelligent in thought (think carefully, analytically, accurately and critically), always give or do more than is expected, always cooperate with others in an effective manner, always respond favorably to adversity, always have self-discipline and self-confidence at all times and always have an enthusiastic spirit—if you "really" want to succeed at a high level.

You must always have thoughts of success
on a consistent basis as by doing so you will defeat negative thoughts and negative behavior that does not serve your or your family's long term interest.

Although you can never really accomplish the above fully—you must have the aspirations to do so at a level that is the best that is within you!

Your Mindset is Also Critical for Your Future Success

You must transform or renew your mind from the inside out and find new and more effective ways of thinking.

No one else can do it for you.  It is your responsibility to formulate your mindset for a successful and prosperous future!

You have all that it takes on the inside to transform your mind and take your life in the direction that you desire. 

From this day forward you must not look for others to do it for you and you must realize deep within that it is your responsibility to do so and you must make the commitment to do soat this time.

You can achieve great heights in your life if you have the desire too! You can cultivate habits of success to a high level and success will undoubtedly come if you have faith and "really" believe in your heart that you can do it.

On this site you have much of what you need to transform your credit and finances in a major way!

However, it is your responsibility (totally within your "power" and "control") to bring a “high level” of determination, self-discipline, focus, personal initiative and other key action qualities of success to the table if you are "truly sincere" about improving your and your family’s credit and finances to a high level.

You are responsible for knowing about and understanding personal financial statements that can really benefit you and your family if used properly.

You are responsible for understanding how credit works and using that knowledge to manage and improve your and your family's credit and finance position.

You are responsible for knowing that "written goal setting"  is far superior to just thinking about your goals and then trying to reach your goals!

Always remember, that even though you may be paying for financial advice and/or the financial management of your funds—it is still "your responsibility" to understand your risks and do your "due diligence" when choosing a financial advisor or financial planner in as effective a manner as possible!

You are responsible for understanding your personal finances in a comprehensive manner and understanding the need for and "purpose" of a properly funded emergency fund.

It Is Your Responsibility To Take Action

If you have the motivation on this day—positive credit and finance improvement is on the way!

You will set yourself apart—if you are now ready to start!

Real credit and finance solutions at no cost to you are only clicks away!

Will you make it a point to get started on this day?

You can no longer use "cost"  or "difficulty of understanding" as an excuse!

Get started now and put this website to good use!

Success lives in you whether or not you believe it to be true!

It is important that you know (your responsibility) what is working in, for, through,  around and against you in regards to your credit and finances?

Do you know what is working in, for, through, around and against you in your credit and finances?

Are creditor's benefiting off of your unwise use of credit or do you have a pay-off or pay-down plan in place that will take you to where you need to be?

Do you have an overall plan for success with your credit and finances (it is always best that you have an overall or comprehensive approach to your credit and finances) or are you looking at your credit and finances in isolation?

Why You Must Take Responsibility

By "taking responsibility" you will put your mind in position to overcome whatever you are facing!

If you are now facing a difficult time whether it be financial or otherwise, you may feel that you have a lot of reasons to quit. 

However, you must realize that if you decide to press on and move forward in spite of the adversity that you are now facing or that you may face in your future you will be successful because you are already equipped (mental toughness) with what it takes to succeed.

However, if you don’t believe that you are equipped (mental weakness)—you have already set yourself up for failure (you’ll be a loser).  You must never underestimate the power of your thoughts on a daily basis!

Likewise, if you see success in your future—no matter how difficult your life may be or whatever comes your way—you set yourself up for the future success that you see and deserve! 

Keep in mind that your journey may not be easy but you must know that you will get there!

What You Must Do Now

You must realize that by "taking responsibility" for your future you can achieve much more than you anticipate and much more than you expect.

If you prepare your mind for future success by obtaining the knowledge that is necessary and you apply that knowledge effectively in your everyday lifeyour responsible use of your mind will be rewarded with success beyond your imagination!

At this point in time and space you must determine if you are a "do it nowdirect action type of person" or are you one who will often procrastinate?

You must gear your mind up to get into the habit of doing what you need to do—NOW if your goal is to achieve at a very high level!


We wish you untold success in your credit and financial future from this day forward.

You now have a
real grasp of what you need to do (your responsibility) if you desire success at a high level, regardless of what stage you are at in your financial life! 

Are you at this timedisciplined enough to take responsibility for your and your family's future?

Now Is The Time For You To Truly Take Responsibility For Your Future

Even though you may not have caused your current situation you must realize that it is your responsibility (how you got there is immaterial if you decide to take responsibility now) to respond appropriately and in a manner that truly benefits you and your family.

There is always a reason or excuse that you can give to explain your current situation and one that your mind and heart will accept if you allow it to happen. 

However, until you take full responsibility for your current position and decide to take positive action to change your situation—you are operating in denial or fear! 

By operating in denial you are showing that you are not ready to change and you are not ready to take control of your finances or any other area of your life where you are in denial!

By navigating this site in a “sincere manner” at this time you will be showing that you are not only ready to change—you will be demonstrating a real determination to change your future and that of your family’s in a major way!

This site is for those who are “now ready” to change their future for the better in a major way and for those who have left excuses and blaming forces beyond their control for their current credit and finance position behind them!  

This site is not for those who are in denial about their credit and finances, quite the contrary, this site is for those who know that they must take responsibility for their future and they want to take that responsibility in a manner that will take them to where they need and desire to be!

You can now utilize your mind in a responsible and meaningful way and in a way that can lead to you addressing your credit and finances in a comprehensive manner.

By doing so you reduce the stress in your and your family's life and you will make your and your family's years on planet earth a much more pleasurable experience!

You will also rightfully take the responsibility that you were enshrined with at birth to improve your and your family's net worth!

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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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