Timing & Personal Finance
Learn why the time to start effectively managing your credit and finances will never be "just right"

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The Time to Start Anything Meaningful in Your Life Will Never be to Your Liking!

It is important that you realize that the “timing” to start improving your credit and finances will never be “just right” in your life!

Many consumers delay or worse yet never get around to managing and improving their credit and finances—in large part due to procrastination.

If that type of behavior applies to you, now is the time that you make a serious commitment to take action in your credit, financial and all areas of your life that needs addressing!

If you eliminate procrastination and other negative qualities in your life—you put yourself in position for a more effective use of your time.

When you cultivate positive habits of success you begin to defeat all of the following and other negative qualities in your life and you will then be in position to make better use of your time:

  •  Critical spirit—always criticizing others

  •  Jealousy—being envious of the accomplishments of others

  •  Greed—pursuing prosperity in the wrong manner

  •  Unforgiveness—negatively affects your spirit

  •  Deceit—you can’t fool yourself—or others

  •  Anger—negatively affects your spirit

  •  Slander—attacking others in the wrong manner

  •  Idolatry—sports, money, women, men

  •  Bitterness—if you have a bitter spirit you can’t be loved

  •  Lust—desire out of control

  •  Boastful Pride—always be humble in your accomplishments

Why Positive Habits of Success Should be in Your Life

By cultivating positive habits of success to a high level you put yourself in position to use your “time” in a wise manner and in a manner where you can really use your “mental energy” and “mental focus” to reach the goals that you and your family desire!

You must identify, acknowledge and take responsibility for what is holding you and your family back in your credit and financial life and cultivate positive habits of success to a high level in your life so that you can eliminate or reduce the effects that any of the negative qualities above may have on your life!

Your self-discipline in regards to the effective use of your time will help determine your destiny!

You must have the mindset that you will budget your time wisely and never make excuses—if you really want to achieve at a high level!

You must not have an attitude that operates on when I get to a certain point in my life I will "then" get serious about my financial future.

If you are waiting on the one day when things in your life will be just right before you seriously start on your financial journey to successyou are robbing yourself of the possibility of achieving much more during your lifetime!

Why the Proper Use of Your Time is So Important

The proper and effective use of your time is a major factor in helping you reach your and your family’s goals and objectives.

Many consumers set goals in their mind and never get around to accomplishing them due to poor usage of their time and an improper application of their faith and belief system.

They often fail to take action in a meaningful way in many areas of their life!

You must always believe in yourself and know deep down in your heart and mind that you will be successful in accomplishing your future goals!

Many consumers live their life in a manner where they do not effectively manage their time and when they get older they look back and wonder—what could have been?

Don’t let that be you!

Make effective use of your time starting now so that you can “really” reach the goals that you and your family desire!

How to Make Better Use of Your Time

You can more effectively utilize your time by using written goal setting and gaining the right knowledge (proper preparation) prior to starting on your financial planning journey.

In addition, the proper navigation and use of this site can save you valuable time if you are now ready to make a serious commitment toward the improvement of your and your family’s credit and finance position!

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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 TheWealthIncreaser.com 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 TheWealthIncreaser.com and possibly earn revenue by logging on to TheWealthIncreaser.com.

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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