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Are you managing your credit and finances appropriately?  Are you tired of trying to improve your credit and finances—only to be disappointed yet again?

Do you wish that you knew a more efficient and more effective way to manage your credit and finances?

And do you wish you had a quick and easy source for obtaining the knowledge and systems that you need to manage and improve your credit and finances that will lead to true success for you and your family?

Then Managing & Improving Your Credit & Finances for this Millennium is the book that will answer your desires.

Managing & Improving Your Credit & Finances for this MILLENNIUM contains powerful credit and finance systems and approaches that will help consumers improve their credit, finances and net worth to a high level in the simplest, shortest and most cost effective way.

Each chapter provides new and empowering ways for consumers to attack their credit and finances in ways never before seen, so it won’t take weeks and months to get up to speed on managing your credit and finances in a manner that is in your and your family’s best interest.

The Book Outline Consists of:

v) Foreword

vii) Thank You Page

ix) What this Book Can do for You

xiii) Introduction: Do You Have the Proper Mindset or Mental Focus

xxvii) About this Book

xxix) How to Use This Book

xxx) How this Book is Organized

xxxi) For More Interesting Articles by this Author

1) Chapter 1 Structuring Techniques that will Change Your Life

  •  The “3 Step Structured Approach to Improving Your Credit & Finances”
  •  “Keep Your Monthly Bills Under 10—So You Can Win”
  •  “Schedule of Payments”
  •  “Calendar of Payments for Credit Cards”
  •  “Filing System”

2) Chapter 2 Improving Your Credit

  •  What You Must Know to Improve Your Credit
  •  Step 2 of the “3 Step Approach”
  •  Use Caution if You are in the Process of Improving Your Credit
  •  Options for those in a Difficult Financial Situation
  •  The 3 Major Credit Bureaus
  •  Credit Freeze & Credit Monitoring
  •  Staggered Approach to Managing Your Credit & Credit Scores
  •  General Guideline of How Lenders Rate Credit Scores
  • · Consumer Reporting Agencies that You Should be Aware Of

3) Chapter 3 Understanding Your Credit Card & Other Debt

  •  How Credit Cards Work
  •  Cardholder Options
  •  Factors to Consider When Selecting Credit Cards
  •  8 Solutions to Paying Your Credit Card Debt Off
  •  Paying Your Mortgage Off Early
  •  Final Thoughts on Understanding Your Credit Cards & Other Debt

4) Chapter 4 How Credit & Other Factors Affect Your Insurance Choices

  •  Factors that Affect Your Credit & Credit Score
  •  Expanded Credit Report
  •  Secured Credit Cards & Insurance
  •  Credit & Homeowners Insurance
  •  Applying for Life Insurance
  •  Insurable Interest & Insurance
  •  Final Thoughts on Credit & Insurance

5) Chapter 5 Improving Your Credit—An Illustration

  •  “Mental Focus” & Debt Payoff
  •  Step 1 of the “3 Step Approach”
  •  Cash Flow (Budget) Statement & Personal Finance
  •  Income Statement & Personal Finance
  •  Balance Sheet & Personal Finance
  •  Use Caution if You Are Living Off of Your Credit Cards
  •  Key Credit Points That You Must Know
  •  Why You Must Make the Right Credit & Financial Choices

6) Chapter 6 Establishing an Emergency Fund

  •  Purpose of an Emergency Fund
  •  Low Risk Accounts & Emergency Funds
  •  I-Bonds & Other Bonds in Your Emergency Fund
  •  Why Many Have Difficulty Establishing an Emergency Fund
  •  Why You should Avoid the Unwise Use of Credit

7) Chapter 7 Life Stages & Financial Planning

  •  Why You Should Have A Keen Understanding of Your Life Stages
  •  Formative & Young Adult Stage
  •  Asset Accumulation Stage
  •  Conservation/Protection Stage
  •  Distribution/Gifting Stage
  •  Closing Thoughts on Life Stages & Financial Planning

8) Chapter 8 Understanding Your Personal Finances

  •  Step 3 of the “3 Step Approach”
  •  Goal Setting & Personal Finance
  •  Why Having a Written Plan is So Important
  •  Practical Discussion of the “3 Step Approach”
  •  “Mental Checklist” of Step 3 of the “3 Step Approach”
  •  Key Goals that You should Aim For
  •  Real Estate Market Meltdown & Credit
  •  Budgeting & Bankruptcy Options
  •  Other Government Options
  •  Bad Service With Real Estate & Other Professionals

9) Chapter 9 Mindset & Motivation

  •  Why Having the Proper “Mindset & Motivation” is Crucial for Future Success
  •  Review of the “3 Step Approach” and Other Systems
  •  Final Thoughts on Managing & Improving Your Credit & Finances for this MILLENNIUM

Motivational Axioms

Top Credit & Financial Websites

Money Saving Strategies

Glossary of Credit Laws

Glossary of Credit & Finance Terms


Chapter 5 contains real world illustrations on how a past client was able to properly manage and improve their credit and finances—in good and bad times—by utilizing the systems and approaches in Managing & Improving Your Credit & Finances for this MILLENNIUM.

Other chapters that are included in this book also include strategies and approaches that are highly effective and have been utilized successfully by consumers from around the world.

From cover to cover Managing & Improving Your Credit & Finances for this MILLENNIUM consists of 214 powerful pages in total—and Chapters 1 through 9 total approximately 150 pages.

To get the most benefit from this book you should read it from cover to cover. We are of the opinion that all who read this book and effectively apply what they learn in a meaningful way—will find major success in their future.

Learn more about Managing & Improving Your Credit & Finances for this MILLENNIUM...

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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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