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X-FACTORS & Personal Finance

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Created on 01/15/2017 by Thomas (TJ) Underwood

The X—FACTORS & Personal Finance

Learn how you can use your eXperience, eXpertise and eXercise to achieve at a higher level of eXellence...


Did you know that there are certain factors (known and unknown by many) that can help you achieve more in a more efficient manner? 

In this discussion we will analyze how you can use your eXperience, eXpertise and eXercise to achieve at a higher level of eXellence in the management and improvement of your finances.




Your past actions are done—tomorrow is not here yet, however you can use your experience gained in the past in the management of your finances to your advantage—TODAY! 

Look back and reflect on your life and see what you did appropriately and where you made mistakes or bad decisions. 

Use that analysis as a starting point to do more and achieve more during your lifetime.




Even though you may not be a financial expert you do possess an area of expertise (or you will eventually get there) that is uniquely your own.

Your life purpose or reason for being here on earth at this particular time must be tapped into by you. 


There is something inside of you that only you possess!  

In your financial life you can achieve more by having the “mental working knowledge” that is needed to achieve your financial goals. 

You can then get in position to truly pursue your life purpose if you are not doing so at this time.




You must exercise your mind, body and soul on a daily basis and you must take the right actions (exercise what you know for your greater benefit) as it relates to your finances.  

Do you know the current state of your finances?

Do you know how to manage your credit effectively throughout your lifetime? 

Can you readily identify the areas of your finances that you must address? 

Do you have an adequate emergency fund or are you unaware of what an adequate emergency fund is?


I've never ran these questions through my mindbut I want tomust be your attitude if you desire to achieve more throughout your lifetime!

You must run (exercise in your mind) these questions through your mind, answer them appropriately and take the right action to get to where you need or desire to be. 

By exercising those thoughts in your mind and taking corrective action(s) you will be well ahead of most when it comes to the “effective management of your finances” throughout your lifetime!




By reflecting on your life and your past experiences in a sincere manner, utilizing your current expertise or the expertise that you will later gain and exercising what you know (based in part on visiting the links on this page) at your highest level, you will begin to achieve at a higher level of excellence financially as well as in other areas of your life. 


You must have a yearning to operate at "your highest level of excellence"—even if you are around others who do not have that desire!

You must have a high standard of excellence and you must be willing to pursue that higher standard at a level that is the absolute best that is within YOU!




By understanding the role that the X—FACTORS play in your life you can put yourself in position to achieve much more during your lifetime.

Now is not the time to protect your comfort zone!  

Now is the time to stretch your mind toward what is truly possible in your life!


It is important that you establish your credibility of who you really are early by setting the backdrop of who you are by "effectively managing your finances starting todayand throughout your lifetime" so that you can pursue other goals and desires that you may have. 

It is also important that you pursue your life purpose or what you were really put on earth to do so that you can experience the “joy” that is meant for you.


In addition, you must focus on what is important and meaningful and will really move the needle in your life. 

You must not do like those who are busy on a daily basis but don’t have the proper focus to achieve what is meaningful and significant.

In most cases they "fall short of reaching their goals" and they often wonder why nothing BIG is happening in their life!


In the end being productive (really achieving what you need or desire to achieve) is the real measuring stick as it allows you to do what needs to be done and "move the needle" (achieve meaningful goals) in a manner that takes you to where you need or desire to be.

Achieving the RESULTS that YOU desire or NEED to ACHIEVE must be the measuring point!


At this TIME it is critical that you make choices that will significantly move you forward, take initiative on what is important in your life, go after your goals with gusto, push forward like never before—get out of your comfort zone and turn the X—FACTORS into known factors in your life!


Use your eXpertise to create and put out in the world what is uniquely your own.  Work past your FEARS and do more on a daily basis.


The success that you always desired will be in your midst by doing so!


Starting today you must GO!


Exercise "your decision" to do more in your life today!


You and "your family" should have it no other way!


All the best…

X X X X...


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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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