Thoughts & Personal Finance
Learn why your daily thoughts are critical for your future success

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Thoughts & Personal Finance

Your thoughts on a daily basis are critical for your future success.  You must ask yourself and answer appropriately—just what do I want to achieve in my credit and financial future?


You must always think accurately, think analytically and think critically whenever you are thinking about your credit and financial future. 

You must have an effective plan in place to achieve the goals and objectives that you ultimately decide are in your and your family’s best interest.


It is also important that you use your thoughts to analyze credit and finance systems and approaches in a critical and analytical way—including this site—to see if it presents information to you in a way that will truly benefit you and your family and in a way that you can apply in your life on a daily basis in an effective manner!

The thoughts that you have in your mind at this time as it relates to your credit and finances and the thoughts that you will have in your mind in the future will in large part shape the success or failure of how effective you will be in improving your credit and finances!

You no longer have to let your past negative thoughts or inadequate knowledge of your credit and finances that you may now have direct your present and future—unless you make the choice to do so!

Do you “really think” that you will achieve the goals and objectives” that you set for yourself and your family? 

You must have a successful “vision” of your credit and financial future and you must have a way of bringing that vision into reality!


  • Have you thought about your current cash flow position—ways that you can increase your income and ways that you can increase your net worth?




You must give serious thought to the above questions and answer them honestly if you are now at a point in your life where you want to “truly and sincerely” manage and improve your credit and finances to a high level!


Once you are ready to seriously address the above areas you must not only have an effective process that allows you to do so—you must have the mental qualities on the inside of you that are needed for true success at a high level!


By navigating this site in an effective manner you can put yourself in position to have “positive thoughts of success” in your life on a daily basis and transform your credit and financial future to that of true success—once and for all!

Always realize that your thought pattern has the potential to change your thought process to one of consistent success or one that can transform your mindset in a way that can lead to success on a consistent basis!

Never underestimate the power of the “thoughts” that go through your mind on a daily basis! 

If you have negative self-defeating thoughts you will normally get negative self-defeating results.

If you are consistently around negative self-defeating people you will normally get negative self-defeating results—unless your dominant thoughts are of success and you are not influenced by the negative actions  and thoughts of others whom you are around!

If you are consistently around positive self-confident people and you consistently have positive and meaningful thoughts—you will normally get positive uplifting results!

It is important that you realize that this and our new book—started as a “thought” that credit, finance and real estate concerns of consumers worldwide could be addressed in a more effective way and the "content" could transform their lives (mind) in a way that would lead to major success.

At this time consumers are transforming their credit and financial lives in a highly effective manner by navigating this site on a consistent basis.

It is imperative that you use your “thought process” to bring into existence that which you desire most at this time!

Even though I am not a psychologist I realize that I often have thoughts at a subconscious level, a conscious level—and at a really conscious level. 


The decision to take action and create this siteour companion site and our new book occurred as a result of thinking big at a really conscious level!


Your thoughts at all levels play a significant role in your life, however it is my opinion that the thoughts that you have at a really conscious level can lead to you really achieving your future goals.



If you have really powerful thoughts of achieving your goals or your dreams—those thoughts in my opinion will drive your thoughts at a subconscious level and at a conscious level and provide you added insight and new and more creative ways of achieving your goals that you may now be unaware of!

We wish you increased success and increased positive use of your mind and we ask that your thoughts at a subconscious level, a conscious level and a really conscious level are powerful and will take you where you need and desire to go!


When you operate at a really conscious level you see your future clearly and you have no doubt that what you see will occur! 

Your level of thought is at such a high level that what you see is what you really want and you are highly focused, determined and committed to make it happen!



We have literally received success stories from all parts of the globe (6 of 7 of the World’s Continents) and you too can have a lifetime of success by navigating this site and applying what you feel can move you and your family forward—starting today! 

You must understand and know what controls your thoughts on a daily basis and you must gain the "critical knowledge" that is needed to attain success at a high level!

We are of the opinion that you can get up to speed in any and all areas of your credit and finances by navigating this site in an appropriate manner—more than any other way with the exception of purchasing Managing & Improving Your Credit & Finances for this MILLENNIUM.

You are now on a site that offers you the most efficient and effective path to managing and improving your credit and finances in a comprehensive manner that can be found on the internet!

You can choose to approach your credit and financial future with a cluttered mind or you can choose a path to success that will provide you the clear focus that you need and deserve!

What dominates your daily thoughts?  Do you really get what it takes to succeed?

Always remember that if you have the right preparation and knowledge and you are diligent in your approach to attaining your future goals and you give it your allmajor success can be in your future!

Major success can now come your way—if you create the right thoughts and get started today!

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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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