Learn how you can take more decisive action and use 3D to your wealth building advantage… 

Delay!

     Don’t do it at all!

           Do it now!

When it comes to improving your finances and building wealth more efficiently you can choose to Delay, Don’t do it at all, or Do it now!

By choosing to “do it now”–you can truly gain the insight that is needed to manage your finances at a very high level and live your life more abundantly while here on earth.

By being Decisive at this time and Determined to Do what you need to do—you can put the right 3D glasses on that can lead you toward the vision that you deserve, the vision that is desired by you, and the vision that is doable by you–so that you can make your dreams come true.

In this discussion TheWealthincreaser.com will discuss how you can see your future with more clarity so that you can take the right action on a consistent basis to help you move toward your wealth building goals in a more sincere manner.

• Delay

It is important that you have a “do it now” type of attitude as you cannot operate like 90% (TheWealthIncreaser.com’s unscientific estimate) of the population and put off what you could do now by stating to yourself that you will do it later.

In many cases that later is often too late as many rob themselves of achieving meaningful goals because they “start too late” and are unable to reach their goals.

You have the opportunity to throw away the notion of delay and put procrastination at bay, so that you can get positive momentum rolling your way.

• Don’t do it at all

Even worse than delay is the attitude of many who don’t want to plan, have no desire to plan and they are (or seem to be) willing to take whatever life dishes out at them.

It is important that you realize that you have the ability to make favorable outcomes happen in your life if you prepare for the journey and you gain the right knowledge and confidence at the right time in your life.

Many worldwide visitors to this site had the attitude of letting their finances manage them and have turned their situation around and have achieved major success by changing their money management personality to that of a winner–and you can do the same.

• Do it now

Even if you now have the attitude of delaying what you need to do or not doing anything at all–you can change your habits and develop an attitude of “do it now” and change the direction and trajectory of your life in a way that you could never imagine at this time.

Although the process of building wealth may appear daunting and difficult, the process is not as difficult as you think if you attack your finances in a highly effective and logical way!

It is in your best interest to leave worry, anxiety, fear, frustration, lack of effort and excuses behind and make a determined and highly focused effort on improving your financial position (and life) so that you can avoid financial strife.

Conclusion

You can choose to “delay” and more than likely financial mishaps will come your way,  you can choose to “don’t do it at all” and  possibly fall or move along at a snail’s pace or not at all–or you can choose to “do it now” and you will soon learn how—as it relates to effective wealth building in this economic environment–or any economic environment.

By choosing to be active at this time you are operating in a proactive manner–and not like many who operate in a reactive manner!

You are showing a real concern for your finances and financial future and you should feel confident about actively managing your finances and pursuing your dreams at a higher level than most.

Even so, financial success (or any success) will not be given to you—it must be earned by you!

Part of reaching the success that you desire is knowing the action steps that you can take to make what you desire a reality in real time.

How long, wide and high is your thought process as it relates to your finances?

How deep and layered is your approach to wealth building?

How will you use the time that you have been granted here on earth to your and your family’s benefit whether financial or living in your purpose at the various stages of your life?

Always realize that time is also a dimension, as we all have a limited amount of it and you must use the time that you have been granted on earth in a wise manner!

By using your thought process in 3D you will achieve results that you can see and move closer toward who you were meant to be.

You will embrace and be in pursuit of new ideas, theories, models and concepts as it relates to wealth building in a more engaging and rewarding way–each and every day.

When you broaden, deepen and shift your thought process in a focused manner as it relates to your financial condition and challenge your mind to operate at a higher level of excellence you are putting your mind in position to give it your absolute best and by doing so you can help direct your future outcomes and make the wealth building goals that you desire a reality.

3D thinking supports your thought movements in pursuit of new goals and expands your creative and imaginative thoughts!

Even though the topics on this page may be tough to think about, you must know that it is something that you (and/or your financial planner) must do–even if the process seems boring–if you desire to retire and live out your life with dignity and purpose–and make your dreams come true.

In short, by actively pursuing what you desire most it will be your diligence in searching out the best sources of financial advice, your discipline and willingness to learn and take decisive action when it is in your best interest to do so–along with focusing on what is truly important at the right time during your life.

All the best as you actively pursue 3 Dimensional success…

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Learn why young people must value “avoiding common financial mistakes” if they desire to build wealth more effectively in the current economy…

During the past few months the creator of TheWealthIncreaser.com had numerous contacts with high school graduates, college graduates, those entering the workforce for the first time on a full time basis and those transitioning into a new line of work.

Many were enthusiastic and looking forward to striking out on their own and managing the affairs of life themselves.

In light of that enthusiasm and in a preventive measure to help them (and possibly you) avoid common mistakes or pitfalls that I have seen many young (and old) people make over the years–this discussion will primarily focus on what young people can do to ensure a more prosperous future and one where they can build wealth and avoid what has held back or delayed many as they pursued a more prosperous  wealth building future.

In this hard hitting and to the point discussion TheWealthIncreaser.com will leave no doubt about the most pressing concerns that you should have–and act on at this time–if you desire to avoid common mistakes and build wealth effectively and efficiently–now and in your future.

Concern #1 not understanding your personal finances

It is important that you understand your personal finances in the simplest of terms and it can be made easy if you have the right approach.

You must know how to effectively create a personal budget or cash flow statement, a personal income statement, a personal balance sheet and it is important that you know your net worth so that you can build wealth effectively and at a faster pace.

Furthermore, you must know how to build your credit, maintain  your credit and use credit to your advantage throughout your lifetime!

By doing the above you position yourself to manage your finances in all areas at an optimal level throughout your lifetime.

Concern #2 underestimating your cost of living

In life interest rates will rise and fall, inflation will rear its ugly head and public policy within and without government will change.

Therefore you must properly establish an emergency fund to guard against uncertainty and plan for price increases by knowing what can and possibly will occur in the larger economy.

You must know your cost of living on a monthly and annual basis and ensure upfront that you have the capacity to pay your monthly expenses based off of your monthly income.

If you are moving to a new state or country, be particularly aware of potential cost of living adjustments.  Child care, health care, transportation, food and recreational expenses can vary from city to city and changing economic environments, therefore you want to know upfront if you need to get more income, cut expenses or more than likely do a combination of the two.

Concern #3 underestimating your housing costs

Your housing costs–whether you rent, have a mortgage, have a roommate or other living circumstances or arrangements–you must not underestimate or budget inappropriately as it will often put you in a deeper financial hole.

Over the years we have seen many who live aimlessly and juggle paying their bills as opposed to planning for their housing in a manner where they know they can affordably pay in a timely and consistent manner.

Even though your housing costs were included in the first two concerns listed above, they are included again as a separate concern due to the fact that your housing is normally the core of your monthly budget and it is important that you get your housing costs right on the front end.

Even though your housing expenses can be fixed if you rent or have a mortgage, there are variable expenses that can change such as your homeowners insurance, supplemental insurance such as flood or hurricane, property taxes and monthly utilities.

Concern #4 underestimating your taxes

If you are new to employment or are getting your first full-time employment you must adjust your w-4 to a level that allows you to meet your tax obligations.  Furthermore, if you are a free lancer or work independently you must pay estimated taxes to ensure that your taxes remain current.

You cannot underestimate your tax payments and not have a feel for what your tax position will be in the coming years based on your employment at this time and changes that are expected in the future.

If you are moving to a new state be aware of taxation in that state and be prepared to make adjustments when and where necessary to reduce or eliminate your tax burden.

In the United States, nine states (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming) have no income tax, however New Hampshire does tax investment income for tax revenue.

In addition you must consider taxes at the local and state level that may sometimes go by other names but are in effect taxation.

Concern #5 overestimating your job prospects

You must know your job prospects and your hourly or salaried wages that you will earn once you are gainfully employed.  You must be able to distinguish among the various types of income and know the difference between what you gross (your total earnings) and what you net (your take home pay).

It is important that you know your skill level and the pay range that you can expect now and in the future.  If you have to relocate can you do so in an effective manner and are you positioned to find a job at a pay grade that allows you to live at a desired level of comfort?

If your company downsizes and eliminates your position, do you have a plan?  Be aware of unemployment laws and labor protections in your state as it will put you well ahead of most and put you in a better position for long-term success.

Conclusion

Whether you are generation x, y or z (or a millennial) you must put together a cohesive picture of who you want to be–at this time–so that you can truly see.

It is you who must create in your mind (and in writing) the pathway to the success that you really desire–so that you can reach higher!

By looking at (in a proactive manner) common mistakes that many young people have made over the years and preparing your mind with the right material at this time, you can avoid costly mistakes and build wealth in an effective and efficient manner so that you can move forward at a more prosperous pace.

By understanding how your personal finances work, properly determining your cost of living, addressing your housing needs and ability to afford prior to move-in, addressing your current and future tax position and determining how your job prospects will affect you now–and in your future–you can set yourself up for a more prosperous future.

Even if you have to move to a better location and tighten up your budget–the move could be worthwhile.  Higher taxes in a better school district and area may push up your cost of living but it could be worthwhile if it offers you a better quality of life–and particularly if you plan on raising kids.

The wealth building success that you desire is predicated on you making a determined and highly dedicated effort at managing your finances in an intelligent, consistent and proactive manner so that you can build wealth, live the lifestyle that you desire and retire in comfort by knowing what you can and can’t do during your retirement years.

In the end, always remember that there are things that you can proactively do to facilitate making your dreams come true!

It is important that you realize that at the time the creator of TheWealthIncreaser.com entered into the workforce there was no avenue on the web that provided guidance of a significant nature as it relates to personal finance and building wealth effectively.

By landing on this page and site at this time you have no excuse for not starting off right!

All the best as you avoid mistakes, refuse to put on the brakes and move rapidly toward your wealth building success by giving it your absolute best as you build a foundation that will pass any test…

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Learn why you must renew your strength and pursue your wealth building goals in a more forceful manner…

In life there will be many obstacles and pitfalls that you must avoid or manage effectively when you encounter them as you build wealth.

You cannot respond to criticism or any other obstacle in an inappropriate manner as criticism and obstacles are to be expected as you move toward your wealth building goals.

Just as the creator of TheWealthIncreaser.com has fought through obstacles since beginning his blogging journey in 2010 and continues to provide a worldwide audience pressing wealth building advice and strategies without worry or concern of criticism—so too must you use your strength to press on when difficult times occur, whether it be criticism or any other roadblock that you may encounter.

In this discussion TheWealthIncreaser.com will discuss ways that you can use the strength that you were enshrined with at birth and the strength that you  now have that can now be enhanced to help you achieve more as you build wealth.

Look within to see how you operate during difficult stretches in your life

In life there are many obstacles that have the potential to get you down, however you must have the mental fortitude to press on and achieve your goals regardless of how daunting the challenge is.

You must not let worry, frustration and lack of effort that you may be experiencing at this time hold you back from reaching your goals.

Do you have the strength to press on when difficult times occur or do you give up easily?

You must look within and determine in a “sincere way” how you operate when the events in your life go against the tide.

Expand your thought process

 You must no longer look at your wealth building activities in an isolated or incongruent manner.

You must expand your thought process to see how you can better manage your monthly income and expenses, manage your credit optimally and manage your overall finances in a way that benefits you the most—not creditors and others that you may owe!

Determine from this day forward that you will have the strength to press on regardless of the adversity that you will face

It is important that you never back down from a challenge that you face whether it be financial or otherwise.

You must expect adversity to rear its ugly head, however you must also expect continuous success regardless of how difficult the journey may appear—at certain stretches in your life.

Conclusion

You must have the attitude that you will be persistent when difficult times occur whether it be criticism from others, untimely life events that cause a major setback in your heart and mind and other unplanned events that push you in the opposite direction of your big dream.

You must enhance your future by responding appropriately and using your strength to move forward in a more efficient and empowering manner so that you can reach the altitude (goals) that you desire.

You may have to renew your strength by strengthening your positive habits that you now have or enhancing those qualities so that you can defeat your negative qualities or reduce the likelihood that they will play a detrimental role in your future.

All the best toward using your strength to achieve a new level of success…

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Learn how you can open a new DOOR and do MORE as you build wealth throughout your lifetime…

It is important that you manage your finances at an optimal level or at a level that is more beneficial for you and your family.

In this discussion TheWealthIncreaser.com will discuss how you can open a new DOOR by making better Decisions, seizing on the Opportunities that you now have, being Open to learn at this time and knowing your Responsibilities as you manage your finances from day to day.

Decision Making can Transform Your Future

If you at this time decide to manage your finances more effectively and in a sincere manner, you can now do so.

By making the decision to approach the management of your finances in a serious manner at this time you can position your mind and heart to make good choices about your money management and get on a real path to enjoying life on better terms and it all starts by you making a MAJOR Decision to choose success in your future.

Opportunities can Transform Your Future

At this time in your life new opportunities are opening up for you and it is you who must determine if the opportunities that you now have  access to are the ones that you should act on.

Are you going to improve your mental qualities on a consistent basis and improve upon who you are?  Are you going to use the “keys to success” pages that you have access to at this time to help you give it your absolute best as you pursue success?

These opportunities (and more) are now at your fingertips and can help you open a new door!

Openness can Transform Your Future

It is important that you are open to looking at new ways of achieving success in the current economy.

By being open to learning new ways of approaching your credit and finances you open up the possibility to achieve much more during your lifetime.  By looking at your finances with the openness that is required you open up new ways of processing and applying theories, models concepts and ideas that may work better for you and your financial success.

In a nutshell, by being open to looking at new ways to achieve success–you set up the possibility to give it your absolute best.

Responsible Action can Transform Your Future

You must know deep within your heart and mind that you are responsible for your and your family’s success.

It is very important that you do not blame others or forces that you feel are outside of your control for the mismanagement or wise management of your finances.

It is you who must take the right steps toward making your dreams come true!

By knowing what is required of you to manage your finances effectively throughout your lifetime you put yourself in position to achieve more and do MORE!

However, more than positioning is required—you must act on what you now know to be your responsibilities if you are truly of the mindset that you want to transform your future to that of true success—once and for all.

Conclusion

Your landing on this site and page may be what helps bring something new (TheWealthIncreaser.com) in your life to help you transform your future and achieve more during your lifetime on earth.

You may have landed on this page at this time so that you can transform your finances and life and pursue the goals that are more meaningful and significant for your and your family’s future.

Your family needs to know that you are taking the right steps that can help you achieve more and by doing so you can leave a lasting legacy for your family and other loved ones that are in your life!

Just as your family needs you to be a guiding light in their lives, so too must you be more responsible about your finances and future–by making a real commitment to open a new DOOR–today!

You no longer have to ponder over what you could be or would be or feel guilty about your finances and your future.  By choosing to open a new door at this time you are showing a real focus as it relates to your future and the success that you can and will achieve for yourself and your family will be made more vivid to you and you will begin to consistently do what you need to do!

You will be on a serious path to change the direction in your life and build the type of character and wealth that allows you to not have to sacrifice.

Now is the time that you open a new door, do MORE and significantly improve your score!

All the best as you open a new door and achieve lasting success…

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Learn why organizing your finances and life can help you avoid financial strife…

It is important that you go through life with a plan for success and the better organized you are the more likely the chance that you will achieve the outcomes or results that you desire.

You can put systems and approaches to the management of your finances in place that can help you organize in a more strategic manner so that you can reach the goals that you desire most or the goals that you need to achieve to make your life more meaningful while you are here on planet earth.

You now (at this time) have the opportunity to do more and achieve more by taking the right action at the right time!

In this discussion TheWealthIncreaser.com will discuss ways that you can strategically organize your life and achieve lasting results that can help you increase your net worth and self worth as you move along at the various stages in your life.

Be sure to analyze the following approaches, along with any other approaches toward wealth building that you may come across–in an accurate, analytical, critical and careful manner to protect your and your family’s future interests so that you can truly achieve at a level that is the best that is within you.

Strategic  Approach to Goal Setting

You must have a strategy or approach to set goals based on what you want to achieve and what you want out of life.

Whether financial or otherwise your “focus of thought” on the goals that are most important to you can lead you toward a strategy or approach that reduces your chance for failure and increases your chance for success.

Strategic  Approach to Money Management

Are you a wise money manager or do you even have an approach to money management?  By strategically implementing an approach toward money management that is organized, you can get a handle on your monthly inflow and outflow of cash and change the direction in your life in a real way.

You can manage your credit and cash purchases that you will make throughout your lifetime in a wiser manner if you approach the management of your finances from a strategic standpoint.

Strategic  Approach to Comprehensive Money Management

To be the most effective at money management you must see your finances in a comprehensive or overall manner.  By doing so you get the “big picture” so to speak and you will not be intimidated by the challenges ahead.

By knowing upfront that you must attack your insurance concerns, investment concerns, tax concerns, education concerns, estate planning/wills and retirement planning concerns in a timely manner you can set more inspiring goals to improve upon those concerns.

You also open up unlimited possibilities to set and reach your goals and it all starts with your “organizational awareness” and a sincere desire to reach your goals.

You will be in a better position to “move to action” and actually establish an emergency fund and manage your credit optimally and pursue your goals with a new level of zeal (a more active mindset toward your future).

Conclusion

By organizing your finances and life at the earliest time possible you can position yourself for a more prosperous future.

You no longer have to sit on the sidelines and watch others achieve success if you are organized and determined to give it your best and you are of a “definite mindset” that you will plan for success.

As the spring of 2021 begins it is the time to do some spring cleaning within your mind and prepare for a more organized year and increased harvest in the summer and coming seasons.

By organizing for financial success you will use your thought process and written plans to achieve more and you will be open to looking at new ways to open new doors.  Your decision to pursue the success that you desire will take your achievement level higher and you will put yourself in position to avoid a financial quagmire.

Starting today you can pursue a new way–and gain the mental working knowledge that is needed for success–and avoid being complacent because you decided from this day forward to give it your absolute best!

You now have the opportunity to organize your finances and future in a more engaging way–starting today.

Don’t delay as you can now achieve results that will not sway and leave bad decisions at bay!

All the best as you avoid a financial mess and achieve major organizational success…

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Learn why results and not just performance must be your goal as you build wealth…

It is important that you not act as if you are building wealth by putting on a show for others.

You don’t want to be house rich and cash poor, car rich and cash poor, boat rich and cash poor or own any other asset(s) or “comforts of life” and not have a plan outlined that will allow you to live at a desired level of comfort throughout your lifetime.

You must realize that the “results that you achieve” are far more important than “performance by you” as you increase your net worth and build wealth.

In this discussion TheWealthIncreaser.com will discuss ways that you can achieve the results that you desire and not misleading results that others outwardly see that makes it appear that you are building wealth effectively–when in actuality you are not!

It is important that you perform the following analysis within your mind in a timely manner if you desire to do more in the coming years and achieve the results that you deserve:

1. Self-Analysis of your current finances
2. Self-Analysis of your current credit position
3. Self-Analysis of your overall finances

Self-Analysis of your finances

It is important that you get a current reading on your inflow and outflow of cash on a monthly basis.  You can then determine if you are wasting income or spending frivolously and plan for success more effectively.

By knowing your monthly cash flow you put yourself in position to make better decisions in the short and long-term.

Self-Analysis of your credit position

You must know your approach to your use of credit.

Are you abusing credit, using credit appropriately, using credit inappropriately or are you using credit in a wise manner or in a manner that is more favorable for you and your family–not creditors?

You must do this analysis in a timely manner so that you can make the necessary adjustments early in your “life stage” so that you can avoid mistakes and reach your goals (get the results that you desire) in a more efficient manner.

Self-Analysis of your overall finances

You must make it a point to see your overall finances in a more congruent manner so that you can achieve more.

It is important that you take a step back and look at your finances from a different perspective.

By knowing what you must analyze in an overall manner and then doing so on a consistent basis you can put yourself and your family in a better position for lifetime success.

Conclusion

In order to get meaningful results as you build wealth you must have an approach to the management of your finances that is proven, comprehensible by you and most importantly will put you on a serious path toward making your dreams come true.

By deciding at this time to plan for success, perform for results as opposed to trying to impress others or keeping up with what others are doing, you can position yourself for real success at the various stages of your life.  By knowing what you want to achieve, seeing your path to the achievement that you desire clearly and taking the necessary action steps on a consistent basis, you can get the results that you desire.

What are you becoming? 

By getting started today you can tap into your real value and make the lives of others better whether it be  your family, loved ones and even those who you don’t even know!

By setting meaningful goals at this time you can offset or counter bad decisions or mistakes that you may have made in your past or avoid potential mishaps that you might make in  your future.

You no longer have to live daily without seeing a way out or exacerbate your financial problems.

Now is the time that you bring out the best that is within you by making a serious commitment to analyze “how you operate” on a daily basis and make improvements when–and where necessary!

By taking time out of your busy schedule and doing a “self-analysis at this time” you can decide what is really important and put a plan in place to truly achieve the results that you desire and the results that will truly empower you and your family from this day forward!

By doing so you can move forward in a winning style and achieve the results that you need to achieve that will make your life more meaningful while you are here on planet earth.

Even if you have been unsuccessful on previous attempts and have tried again and again to get your finances right–you can sincerely do so at this time by making the decision to take the right action on a consistent basis.

All the best to your self-analysis as it will help take you to the right places and help you win the right races.

The results that you desire– you can now achieve–if you know what to do and you truly believe.

Now is the time that you open new doors now and blaze a new path toward the results that you desire so that you can avoid a quagmire and reach even higher.

You now possess the tools and knowledge that will allow you to give it your best.

The success that you desire already lives in you, however it is up to you to truly make your dreams come true.

Winning Results–yours for the taking…

The success that you always desired–yours for the making…

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Learn why “goal setting” is a major step toward achieving what you desire most as you build wealth…

If you are one who truly desire success in your wealth building future it is imperative that you formulate meaningful and significant goals that you believe in and have a serious intention on achieving.

The goal of TheWealthIncreaser.com, in addition to providing you a springboard to achieve major  wealth building success in a timely manner–is to help you take what may appear to be complex credit and financial topics and convert them into not so difficult topics to help broaden your understanding of  financial topics in a way that you can more readily understand and apply in your daily life.

And just as the creator of TheWealthIncreaser.com set the above goal of being a catalyst for you to achieve major wealth building success, so too must you set meaningful goals so that you can achieve what you desire most while you are here on planet earth!

Whether you dream of taking annual vacations that may now seem impossible, retire at a level where you can live out your remaining years with the certainty of knowing what you can do on a daily basis, volunteer to your favorite charitable cause(s), purchase that dream home that you always desired–or pursue any other goal that you sincerely want to make happen–you must know that you have the ability to do so by focusing in at this time and formulating meaningful goals that are significant to you and the direction that you want to go in your life.

Goal Setting begins inside your heart and mind…

It is important that you realize that your mind and heart is the birthplace of making something BIG happen in your life and in many cases it starts by formulating a goal regardless of how big or small.

You must also have the yearning desire to reach your goals and that is where your level of motivation comes in.

Always realize that you are the one who must initiate and formulate the goals that you desire most and you are the one who must expend the effort to make the goals that you desire most happen in real time.

Goal Setting is a continuous process…

You must understand that many of your goals will take time to achieve and won’t happen overnight.

That is why you must segregate your immediate, short, intermediate and long term goals into a system that you are comfortable with and a system that works with your mind–not against it!

By setting goals, you give your mind a better chance to improve on your focus and achieve at a higher level of consistency on a daily basis.

Goal Setting will get you to where you need to be…

In order to achieve results that you can see you must use goal setting to get where you need to be.  By setting goals at this time you are putting yourself and your family in a better position for short and long-term success.

You can achieve more in a shorter period of time and you can make life on earth more enjoyable for you and your family.

Conclusion

If you desire to achieve more during your lifetime while on earth you must set significant and meaningful goals at the earliest time possible so that you can strive toward a higher level of success and you must have the determination to always give it your absolute best.

Whether you desire to pay off or pay down your credit card debt, purchase a new car, purchase a new home, save for retirement, invest consistently and pursue what you desire most, it all starts inside of your mind by you taking the time to be far more aware of where you are now at and deciding where you want to go–and pursuing that destination with a new level of commitment on a consistent basis.

Once you decide where you want to go be sure to put your goals in writing and never let adversity or other unwanted happenings deter you from achieving your goals–even if you may have to make adjustments along the way.

All the best to your goal setting success…

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Learn how you can manage your money better and build wealth more efficiently during any economic environment…

In the current economy many are looking at ways that they can manage their money and build wealth in a more enduring way.

Although managing your own money may appear difficult at first glance in this COVID-19 environment–or any environment, it is important that you realize that you can manage many areas of your finances effectively if you arm yourself with the right knowledge.

Effective money management is not as difficult as you think if you can process what you are learning and you approach your finances in an intelligent, consistent and proactive manner. 

You must know at this time that you are determined to reach your goals at a level that is the absolute best that is within you!

In this discussion TheWealthIncreaser.com will discuss ways that you can possibly manage your money better now and in your future.

Manage your monthly cash flow

It is important that you create a budget or personal cash flow statement so that you can know where you are at (and where you can possibly go) from a financial standpoint on a monthly and annual basis and you must take steps to ensure that your emergency fund is properly funded at the earliest time possible.

By properly establishing an emergency fund at the earliest time possible you put yourself and your family in position to minimize your future risks.

Manage your Credit

It is very important that you establish your credit appropriately at the earliest point possible if you desire to build wealth and you are like most who have a need to borrow at some point during their lifetime.

There are a number of proven, highly effective steps that you can learn in a relatively short time frame that will show you how to more effectively manage your credit and finances—and it is your responsibility to learn how to apply effective credit management in your daily life.

Review your Insurance

You must make it a point to review your insurance needs on an annual basis to see where you can manage your insurance better as far as coverage, cost and necessity.

Insurance provides protection from loss and it is important that you analyze areas of your life where insurance can be of benefit to you and/or your household.

Review your Investments

You can make your investments grow in a more efficient way if you diversify, reallocate, analyze your risk tolerance level, use leverage appropriately and ease into investing.

You must review your investments on a consistent basis, preferably annually at a minimum and know when it is best to invest inside or outside of your retirement account(s) based on your goals.

Review your Taxes

Your ability to analyze your tax complexity and possibly do your income taxes yourself is now a real possibility if your tax position is not complex as tax software that allows you to prepare your state and federal taxes are relatively inexpensive and readily available.

You must gather your paperwork, learn what is new and input the tax information that you have.

Always keep in mind the fact that tax preparation can have nuances and areas of concern that may require a professional analysis.  If you can’t file your income taxes in a timely manner (by the April 15th deadline in most years) you can file an extension using form 4868 to file a six month extension (if you owe you may have to pay penalties and interest) and address your taxes later in the year.

Also realize that your review of your taxes is far broader than just your income taxes.  You must look at your local taxes, real estate taxes, regulatory taxes and other fees that you may pay that go by other names but are in effect taxation to you and/or your household.

Review your Education planning

In the area of education planning you can start before the birth of your child up until your child’s last semester of graduation and the sooner you get started–the better.

You can use investment returns to lessen or eliminate your need to borrow whether you desire to fund your child’s primary, secondary or college years.

You must put a plan in place to reach your “desired education number” (the dollar amount that you need to reach to avoid or reduce borrowing for your or your child’s educational costs) at a future date.

Review your Estate planning/wills

It is important that you have a will at a minimum and seriously consider estate planning if your net worth is increasing and you want to avoid probate.

You can make your estate private after you transition so others are not aware of your estate after your transition if you desire to do so by planning for that eventuality now.

Your need to plan for what your heirs inherit after you transition is real as it can leave your heirs squabbling over your assets at a time of grief or lead to them getting along in a more civilized manner during a very difficult time.

If you desire a more cooperative spirit during the grieving period among your heirs once you transition, be sure to plan now to avoid chaotic occurrences involving your loved ones in the future.

Review your Retirement planning

Your need to plan early and stay committed should be given high consideration by you as living your retirement years at a certain level of comfort must be your goal.

Long Term Care costs are increasing annually and you must plan for those and other costs that will likely need to be addressed as you age.

By starting early you can reach your “retirement number” and live daily doing what you dreamed of doing during your retirement years.

Funding your grand-child’s education, your dream vacation destination(s), your charitable giving and other desires of your heart that you may have can be made real if you get out in front of your goals and plan appropriately at this time.

Conclusion

It is important that you use your time wisely while you are in the process of building wealth and achieving your desired goals throughout your lifetime.

By looking at your finances from time to time in a comprehensive manner you can put yourself in position to manage your money and build wealth in a more efficient manner.

Your goal is to take a systematic approach toward your money management and not leave your money management up to chance or wishful thinking.

By reviewing your finances you can know where you now are, make improvements and reach the goals that you desire in a more time certain manner—and in a manner that improves your  money management skills and improves your net worth.  

You can bring in professionals or those who have more expertise in certain areas when and where necessary.  You will be in a much better position when you deal with financial professionals and others than you were prior to reviewing your finances in a comprehensive manner.

By reviewing your finances in a comprehensive manner at this time, you put your present and your future exactly where it should be—in your hands.

Now is not the time to rest or give less as you pursue success!

All the best to avoiding a money management mess and achieving lifelong wealth building success…

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Learn why you must press forward when turbulence (adversity) occurs while you are in the process of building wealth…

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In the current economic and political environment and especially the events of 2020, many are in a somber mood and are stressed about their future as it  relates to building wealth efficiently.

It is important that you have confidence in your wealth building future and not be deterred or detoured by what is happening in the larger economy.  Even if you now face turbulence or now feel that you are on an unexpected journey toward your wealth building goals and your financial future appears to be in turmoil, you can still achieve meaningful goals.

In spite of the fact that you may have anxiety about your future plans as a result of the political and economic activity that has occurred in your country–you must still adjust your plans appropriately where and when needed.  You must know deep within that you can still reach your wealth building goals in spite of the uncertainty that is now in the atmosphere at this time.

You can remain focused by doing the basics (see the 3 steps below) on a consistent basis as best you can.  Keep in mind the  fact that you ultimately control the direction of your future even if adjustments have to be made along the way.

1. Determine your cash flow position

It is important that you get a better handle of the inflow and outflow of cash that comes into and out of your household on a monthly and annual basis.  You want to know what comes in and goes out so that you can plan for your future in a way that is more advantageous for you and your family–not creditors.

2. Improve your credit understanding

It is important that you understand how credit works if you at any time anticipate using credit to reach some of your goals.  By knowing how you utilize credit at the various stages of your life you can position yourself and your family for continuous success in the current environment or any environment.

3. Manage all areas of your finances at a level that is the best that is within you

By knowing all areas of your finances that you must address and putting in place a plan to address those areas on a consistent basis you can position yourself and your family for more success.  Keep in mind that you must be determined to give it your best so that you can achieve a higher level of success.

Conclusion

By always knowing that turbulence or unwanted occurrences will occur while you are in the process of building wealth you put your mind and heart in a better position for long-term success.

Your determination at this time to do what you need to do consistently in spite of setbacks will serve you and your family well in 2021 and beyond–and not just intermittently!

You are truly the key to achieving results that you can see and controlling the the turbulence so that you can be all that you were meant to be.

And just as a 747 plane that experiences turbulence make adjustments on the fly (no pun intended), so must you if you desire to make your dreams come true.

You must realize at all times that you possess the ability to change direction, go around, over, under or through the turbulence in your life as you avoid financial strife!

All the best as you “manage the turbulence in your life” and achieve major success…

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Learn why you must keep your guard up against identity thieves and scammers so that you can protect your credit and finances…

In the current economy ID Thieves and other scammers are out in abundance and it is up to you to find ways to thwart or prevent their activity from having a consequence in your life.

It is important that you realize that over 50 million people in the United States alone have been victims of identity theft and it is imperative that you take steps so that you won’t add to that number in the United States or wherever you may live on the planet!

Many identity thieves have your name, social security number and date of birth in spite of you taking appropriate action to protect that information and they may try to open accounts in your name.  In some cases your information was obtained from data breaches and may be bought and sold throughout the world and on the dark web.  In some cases you can use a credit freeze to help prevent others from utilizing your credit, however in most cases that alone may not be enough.

You also need to put in place identity protection and credit monitoring measures that can help protect against what others may do to you that can slow down or prevent your dreams from coming true!

In addition to common sense measures that you can take, there are many free and paid providers that offer varying degrees of coverage.

Paid Identity & Credit Monitoring Services

When it comes to paid credit monitoring services there is a huge range in the coverage type and pricing.   You can get monthly protection for as little as $5 per month up to $40 per month and it is important that you know up front the coverage that you are getting and the protection that you need.

You can get one, two or three bureau protection from many companies, however if you pay it is normally best that you choose a company that offers coverage from all three credit bureaus.

Most companies also offer a host of other services from liability protection to alert notification of any changes to your report(s) as well as family plans.  It is up to you to search the marketplace to find a plan that is compatible for your lifestyle if you now have the discretionary income and you desire protecting your financial position and identity in a more stringent way.

Self-Monitoring of Your Credit & Finances

You can also self monitor your credit yourself at no cost by choosing free companies on the web or using credit card companies, including companies that you may now use at this time.

You can self monitor by going to annualcreditreport.com (free credit report—once per year from TransUnion, Equifax and Experian)) and myFICO.com—(get your FICO score for a stated fee) and review your credit report(s) and purchase your credit score.

You can gain mastery of your credit at this time by knowing the five credit factors and how to use that knowledge to effectively manage your credit at the various stages in your life.

In addition, you can monitor all of your financial accounts on your own by looking at your banking activity on a regular basis, signing up for financial alerts on your bank and credit accounts when a certain dollar limit is exceeded, shredding of your mail and particularly identifying information, using strong passwords on your financial accounts, safeguarding important documents and identifying information, changing passwords in a timely manner on a consistent basis and using other common sense measures that come to mind.

Identity Theft Indicators

When you notice–use of your credit that you did not initiate, loss or theft of your wallet or other personal information, new accounts on your credit report that you did not initiate, home or auto intrusion or any other occurrence involving your identity or finances that  you are uncertain of–you may be a potential or actual victim of identity theft.

When that happens you must contact the three major credit bureaus and consider putting a fraud alert (a fraud alert tells creditors to verify your identity prior to issuing credit) on your accounts.

In some instances you may have to file a police report!

Also be aware of small deposits to your bank account that you are not expecting, as that can indicate that someone is trying to connect to your bank account.

If that occurs you may want to close your account(s) and open another one.

Conclusion

It is important that you take identity protection and financial protection matters into your own hands at the earliest time possible.

You don’t want to experience identity theft “and” then (after the fact) get serious about protecting your identity and financial concerns!

Now is the time that you effectively evaluate your need for identity protection and credit monitoring services (whether free or paid) so that you can stay out in front of your finances and achieve your dreams in as effective a manner as possible.   In the times that we now live in identity protection measures and monitoring of some type is a requirement if you desire to protect your financial position and achieve more during your lifetime.

You possess the power to put in place measures that can help reduce the likelihood of identity theft, and it is you who can use common sense and monitoring services to help secure your financial future in a more enduring way–starting or continuing from this day–to avoid situations where you will be forced to pay!

All the best to your identity protection measures and unlimited success…

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Thomas (TJ) Underwood is a licensed real estate broker at Realty 1 Strategic Advisors in the state of Georgia and has passed the A+, Network+ and Security+ exams.  He is also a former top producing loan processor and fee-only financial planner.  It is his desire that you find this article useful and beneficial and will lead to you truly attaining the goals and outcomes that you desire.

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