Share this page: Live more abundantly. Pay it forward...
Enjoy this page? Please pay it forward. Here's how...

Would you prefer to share this page with others by linking to it?

  1. Click on the HTML link code below.
  2. Copy and paste it, adding a note of your own, into your blog, a Web page, forums, a blog comment, your Facebook account, or anywhere that someone would find this page valuable.

Self-Improvement & Personal Finance

What is inside Wealth Building Now...
1-2-3 Credit & Me is now available...
What's Inside 1-2-3...
Think Smarter.  Live Better.  Success is Now.



You can now start enjoying your life more and manage your credit in a smarter, more cost-effective, more time-efficient, easier-to-follow and easier-to-apply manner...

Learn how effective financial planning can change your life for the better...

The 3 Step Approach--updated in 2023, now available on©2014, 2023...

Home Buyer 411 Updated©2014, 2023—also now available on

100 money saving strategies...

Learn about 15 Questions that every home buyer should know the answers to “prior to” purchasing their home…

Axioms for Wealth Building Success...

Posted on 01/07/2017 by Thomas *(TJ) Underwood of Realty 1 Strategic

Learn Why Self-Improvement With Your Finances Can Lead to Improvement in Other Areas of Your Life...

As a new year kicks in many are in the process of looking at ways to improve upon their finances in an effort to bring more joy into their lives. 

Improving on your finances and other areas of your life in a meaningful way—whether financially or in other areas of concern will take a "higher level" of focus and determination than you are currently utilizing.


In this discussion we will look at ways that you can improve upon yourself both financially and otherwise so that you can achieve more and reach the goals that you need or desire to reach and bring more joy into your life.


What separates you from the rest in the management and improvement of your finances—and life?  Do you have an effective plan of action that will take you and your family where you need or desire to be?


The following steps will get you "jump-started" on improving your finances quickly and show you other ways that you can get things moving in a positive direction (momentum) in your life.


3 Points About Managing & Improving Your Finances:



1)      You must know where you now stand financially! 

That means that you must know your monthly inflows of cash and your monthly outflows of cash at a minimum. 

The easiest way to determine these crucial numbers is to create a budget (personal cash flow statement).  In addition a personal income statement and personal balance sheet can assist you as well.  

You can then determine your net worth and devise plans to improve your net worth as that should be one of your annual goals—if you desire to live more abundantly.


2)      You must know how you manage your credit and determine if there is a better or more appropriate way for doing so based on your own unique credit habits. 

What are your credit goals?  Do you plan on using credit in your future to purchase a car, house or any other major purchase? 

Do you have an appropriate payoff or pay down plan in place (in writing) and do you know the “time frame” in which your payoff or pay down will occur?

Are you currently debt-free and do you plan on staying debt-free?  

Do you currently have a properly funded emergency fund?


3)      You must know if you have properly addressed your insurance needs, your investment needs, your education planning, your estate planning/wills and your retirement planning needs.


In addition, you must be willing to look at "new ways of thinking" that can get you the results that you desire faster and will also help improve your attitude toward your finances—and life. 

Do you have a positive mental attitude or are you taken in a negative direction depending on what occurs during the day in your life? 

Do you have the needed energy on a daily basis that you need to reach your goals?  Do you work daily on improving in the areas that you are weak in? 




Regardless of how you answered the above questions in this discussion you must realize that you can do even more, and you can achieve even more. 

Now is the time that you make a serious commitment to improve upon your “success qualities” so that you can not only achieve more financially, but you can improve your vision of how you see your future in all areas of your life.


Even if you feel you don’t need to improve in many areas in your life—it is important that you open up your eyes to see if there could be a better way for you to manage your finances in a manner that will benefit you and your family the most—not creditors and others who have no real concern about your future other than what you can do for them.


Keep in mind that it is "your decision" to do nothing—or do something as it relates to your finances and what occurs in the future in your life! 

You have the ability to reset what you value (effective management of your finances and your life) and re-define who you are by doing what you need and want to do in more effective and efficient ways.


In many instances during your lifetime you may have to be willing to give up something good to get something better. 

Along the way it is important that you are not "uptight" as you journey toward your goals.  

By having "humor on your side" you can have a smoother ride as you navigate this site in an effort to get your future right!

Even if you now feel comfortable where you are—more comfort lies ahead if "you are willing to do more" in your life at this time. 

If you continue on a path of improvement with your finances—other areas of your life (including your attitude) can take a change for the better, if "you" are willing to make it happen.

In closing, let me remind you that "now is the time" that you realize that self-improvement is more than a buzzword or catch phrase but something you should strive to do on a daily basis.

Now is the time that you:


Find “your” special skills that others don’t have…

Find “your” special skills that are uniquely your own…


Build your wealth in a more effective way!

Begin (or continue) your serious journey to achievement—starting today!


You and your family should have it no other way…


All the best…

Return to Top

Return From Self-Improvement & Personal Finance to GOALS & Personal Finance 

Return From Self-Improvement & Personal Finance to Realty 1 Strategic Advisors Home Page

Our Latest release © 2023, "The 3 Step Structured Approach" now available on

NEW BOOK ©2021, 20231-2-3 Credit & MeNow Available

Learn what others are saying about our latest blog (Summer 2014)

Purchase "The Wealth Increaser"

Learn more about "The Wealth Increaser"

Learn about what is inside of "The Wealth Increaser"...

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

77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

Atlanta Central Location:

Realty 1 Strategic Advisors, LLC

2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

Share this page: Live more abundantly. Pay it forward...
Enjoy this page? Please pay it forward. Here's how...

Would you prefer to share this page with others by linking to it?

  1. Click on the HTML link code below.
  2. Copy and paste it, adding a note of your own, into your blog, a Web page, forums, a blog comment, your Facebook account, or anywhere that someone would find this page valuable.

The 3 Step Approach--updated in 2023, now available on


Jumbo Mortgage Loan News----Atlanta Luxury Home News

Please note that all fields followed by an asterisk must be filled in.

Please enter the word that you see below.