Do you have the money management  personality and skills that are needed for success in today’s economy?


Posted on 11/06/2014 by Thomas (TJ) Underwood


Below I will list 5 of the more common personality types that my office has come across over the years.  If you have any of the following money management styles there is no need to panic.  You can resolve your credit and financial issues in your life regardless of where you are now at!


Do you have the money management skills that are needed for saving and investing long-term and are you willing to take control of your life at this time?  If you don’t make the decision to acquire the skills that are needed to manage your finances at a very high level you are setting yourself up for potential problems later on in your life.


By gaining a critical overview of the “money management personalities” that I have discovered over a number of years you can position yourself and your family to utilize the best that is within you—to make your future dreams come true!



Learn About 5 Money Management Personalities That Can Provide You Some Needed Insight On How You & Those Who You May Know Operate


1) Strong Money Manager Personality


Some consumers seem to be natural savers and have a keen sense for wise money management.


They pay their credit card debt in a timely manner and rarely let the balance get to a high level.  They normally have a consistent savings plan in place and have some real sense of their financial future.


2) Struggling Money Manager Personality


Other consumers seem to have difficulty saving, have high credit balances and struggle from paycheck to paycheck and they lack the ability to save in a meaningful way.


They have little concern for their financial future as they mainly live for the present or near present.


3) Decent Money Manager/Poor Credit User Personality


Still others can save effectively, yet they run up high credit card balances and have no real understanding of their financial future.


They may invest on a whim and in many cases have no clue of what comprehensive financial planning is and how it can help them attain their goals in the future in a more efficient manner.


4) Non-believing Money Manager Personality


Others think they can’t save, don’t want to save, don’t want to improve their finances and they seem to be willing to take whatever life seems to dish out at them—not looking for or expecting a better future.


When “adversity” occurs in their life they respond in an inappropriate manner.  They often blame others or forces they feel are outside of their control for their current position in life!


5) Highly Informed Money Manager Personality


Still others have a sharp mind for their finances—can save at a high level, carry no credit card debt and seem to have their financial life in order. 


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Observations of Note on Money Management Personality Types:


With all of the above money management personality types I have found that when pressed to explain their credit and financial approach in detail they all have varying answers—but none seem to hit the mark as far as having a true comprehensive understanding of what they need to do in their credit and financial life.


On many occasions even the high net worth and highly informed money manager  had an inadequate emergency fund—due in large part to not properly understanding the “purpose” of an emergency fund!


In addition, many high net worth clients did not have an umbrella insurance policy that would have more appropriately protected them and their family from future financial risks.


Learn How You Can Improve Your Money Management Personality…


If you have a money management personality type like any of those mentioned above or a totally unique one—it is important that you realize the type of personality that you have!


I have worked with all of the money management personality types listed above and every type was able to transform their credit and financial situation in an effective manner.


The key was that they received advice and information in a manner that they could understand and made good financial sense to them.


They then changed their way of looking at their situation (had a different mindset) and started believing that real credit and/or financial success could happen for themselves and their family.


They were willing to try something that was new, fresh and cutting edge and unlike any other system on the market.  They were able to find the solution to many of their concerns by looking within and seeing their situation for what it truly was.  They then began implementing real steps to address their concerns.  It is important that you realize that you can do the same if you are highly committed and you sincerely want to do so.


Those who had an inappropriate money management personality lacked financial understanding in a number of key areas!


On many occasions when those who managed their finances poorly heard their favorite radio announcer, professional athlete or entertainer pitch a financial product they jumped on board in many cases.


However, in many of those cases they did not have other key areas of their credit and finances addressed appropriately.


They then invested in a stock or other commodity with no real understanding of how it would affect the other areas of their financial life.


Before you invest in a stock, mutual fund, gold and other investments you must make sure that you have addressed your finances in an appropriate manner!


Don’t do like many who invest in a haphazard manner—you must address all areas of your finances in a comprehensive manner and then you can position yourself to invest properly for the rest of your life.


Do not do like many and put the cart before the horse—by not understanding the right way to invest!


If you choose to invest without addressing all areas of your finances you may be successful if your investment grows at the right rate.  However, realize that it is a dangerous strategy even though I have seen it done successfully by many consumers.


If you decide to invest after you hear a convincing sales promotion that really impresses your heart and mind and you truly feel that investment plan is for you—you must stop—pause—and run through your mind—have I really addressed all of the key areas of my finances appropriately?


Furthermore, you must ask yourself—am I ready for the responsibility that lies ahead based on the decision that I will make at this time?


It is important that you realize that addressing all areas of your finances in a comprehensive manner and then investing is a wiser strategy if you want to achieve financial success at a high level on a consistent basis!


Final Thoughts on Money Management Personalities


Regardless of your money management personality type you must come to the realization that you can intelligently put a plan in place that can lead to a prosperous future for you and your family!


With the right approach and the right systems in place you can improve your and your family’s credit and finances to a high level!


You can become the answer to your own concerns if you gain the preparation and knowledge that you need in a proactive manner.


As long as you are sincere in your desire to achieve lasting success and you accept your responsibility and you realize fully that you are accountable for your future success you can attain the future success that serves your best interest by taking the right actions in the right manner.


By doing so you can avoid the headaches that those who have a money management personality listed above that works against their best long-term interests have!  You can gain the assurance “within your mind” that you can live your lifetime where you can leave worry, anxiety, fear, frustration, lack of effort and excuses behind you in the wind—exactly where they should be!


You must “always” remember that many who struggle financially do so because of a poor or non-existent money management system. 


That poor or non-existent money management system is often the offspring of having a poor or weak money management personality! 


The good news is that any “money management personality” can be improved significantly by gaining the preparation and knowledge that is needed on a consistent basis!


You must avoid the problems that we have seen many consumers face over the years such as:


  • not appropriately saving for retirement (you must plan for your elderly years so that you can live abundantly), and
  • lack of self-control (tapping into their retirement and other accounts when it is not in their best interest to do so)


You have the money management personality to transform your future into a more prosperous and productive one if you have the desire to make it happen at this time in an intelligent, consistent and proactive manner!


Be sure to choose success at a high level and not mediocrity in your credit and financial life as by doing so your money management personality and your future can take a turn for the better!




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The Wealth Increaser—an empowering new book is now available on this site for only $29.95 began in January of 2014 with the goal of enhancing the financial future of consumers in an intelligent, consistent and proactive manner so that consumers could achieve real financial success—in the most efficient manner possible. is the creation of  Thomas (TJ) Underwood   who is a former fee-only financial planner, former top producing loan processor and is  currently an active real estate broker at Realty 1 Strategic Advisors and who has been serving consumers in the area of  personal finance for over 20 years!


Thomas (TJ) Underwood is a licensed real estate broker in the State of Georgia. He is also the broker/owner of   Realty 1 Strategic Advisors, LLC which he founded in 2002.  A pioneer in the real estate industry his company is one of only a handful of real estate companies in existence that offer clients comprehensive financial planning as a part of the home buying and home selling process as a complimentary service.


You will usually find him assisting home buyers, home sellers and those who are trying to improve their financial position in the Atlanta Metropolitan area and throughout the world improve their finances in an intelligent, consistent and proactive manner.


He is also the Author of The Wealth Increaser—an empowering new book that is now available on this site ($29.95) to help  consumers achieve success in an intelligent, consistent and proactive manner.


He considers it an honor to use his rare combination of experience as a former fee-only financial planner, former top-producing loan processor and  current position as an active real estate broker serving the Atlanta Metropolitan area to provide consumers enlightening personal finance systems and approaches that they can implement in their life that will provide them the opportunity to achieve what they truly desire in the most efficient and effective manner possible.


It is important that you realize the higher that you can take your mind or mentality—the more successful that you can be in your future!


About This Article:


The above article was written by Thomas (TJ) Underwood  on November 6, 2014.  Thomas (TJ) Underwood is a licensed real estate broker in the state of Georgia and is the writer behind The Wealth Increaser, Home Buyer 411,  Home Seller 411, The 3 Step Structured Approach to Managing Your Finances, Managing & Improving Your Credit & Finances for this MILLENNIUM and CREDIT & FINANCE IMPROVEMENT MADE EASY—FREE GUIDE. 

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.

You can contact him from a number of sources but the most direct way is to contact him through Realty 1 Strategic Advisors Website.  You can also get other highly relevant tips on “living your life more abundantly” and possibly earn revenue at the same time by linking to




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