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Day 2 - BJJ
2008-02-13 20:32:00
My day started at 5:30am. I was pretty excited to go to class today. These classes are no joke. Today is my cousin Jeff?s first day so I couldn?t wait to see him start training. Warm-ups were crazy. The knee escape drill gets you tired real quickly and this time we had to go back and forth twice. The sparring went ok. I was able to get a side choke on one of the guys, other than that, I tapped out about 6 times. I?m still working on my stamina and endurance. My goal is to be in tip top cardio shape within 2 months. I still am lifting weights so I can gain speed, power and stamina. I learned how to properly apply the guillotine chokehold and how to escape the guillotine while standing or in the guard. Training is getting more intense and I?m loving it.

Day 1 - Brazilian Jujitsu
2008-02-12 08:13:00
Another chapter added to my life, I'm training to learn Brazilian Jujitsu . I joined a local gym that teaches boxing, kickboxing, muay thai, brazilian jujitsu and more. Today was my first day and it was more than I expected. Class started at 6:30am. I am out of shape as far as cardio is concerned. I'm going to have to change my diet and do a lot more cardio in my workouts. I could barely get through the warm ups without gasping for air. Day 2 is on Wednesday, we'll see how that goes.

Net worth as of January 1, 2008
2008-01-01 18:10:00
Here is my monthly Net Worth update.Total Assets: $7,258 Total Debts: -$23,440 ---------------------Net Worth: -$16,182Difference from last month: +$629 Percentage Difference: +3.74%NetWorthIQ Click here to see full details.Great way to start the year! I will be knocking down all my debt so I can reach a $0 net worth in by December 2009. I am still following my original plan however I am looking forward to a 6 month review raise in May 2008 . This will help dictate the rest of the year and I am planning on a trip to Las Vegas and Arizona before March. January is going to be a huge month for me but I will be updating with more pics and videos. Stay tuned!
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Providian balance of $4300 is now paid off!
2008-01-01 11:43:00
My old charged off account is now fully paid off! New net worth update coming soon! To a new year, enjoy!
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Happy New Year 2008!!
2008-01-01 11:20:00
Firecracker On New Year s 2008 - Click here for more blooper videos New Years 2008 - 2 Firecrackers - The funniest videos are a click away
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Net Worth as of December 2, 2007
2007-12-02 18:43:00
Here is my monthly Net Wort h update.Total Assets: $5,629 Total Debts: -$22,440---------------------Net Worth: -$16,811Difference from last month: -$371 Percentage Difference: -2.26%NetWorthIQ Click here to see full details.It's hard to stay on your financial track with the Christmas holidays around the corner and with Black Friday sales after Thanksgiving. I'm pretty much done with all my Christmas shopping. I will slowly climb out of the negative net worth column and slowly accumulate wealth. I have a couple of ideas in the works and currently planning to have a productive 2008. Enjoy the holidays and look forward to more updates to this site. Bookmark and tell a friend!
More About: Net worth , December

New Providian Balance
2007-11-28 04:55:00
My Providian card was once over $4000 and now it is down to $499 exactly. I've been paying off $488 per month towards this card and it's finally going to go away. I did go Christmas shopping on Black Friday. Got a new GPS and other goodies. Net worth update coming soon.
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Cheaperdeals.net - Great online bargains!
2007-11-15 05:29:00
Be sure to check out www.cheaperdeals.net They have great online bargains and also they offer a special feature called "Request a deal." Tell them what you're looking for and they'll find the cheapest deals on the net. Check it out today!
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Net worth as of November 4, 2007
2007-11-04 21:28:00
Here is my monthly Net Wort h update.Total Assets: $5,798 Total Debts: -$22,238---------------------Net Worth: -$16,440NetWorthIQ Click here to see full details.Sorry for the lack of updates the past 2 months. I was let go from my temp job back in August and I started my new job in September. I didn't get my first paycheck until mid October so I had to use up my emergency funds and also I did have to resort to credit cards to get by. I am back to a regular paycheck so things should get better. I did get carried away with 1 credit card however my Providian card had a balance of over $4,300 just a year or two ago and now it's down to $800. I've been paying about $400 a month towards this card and I have 2 months to go. Slowly but surely that credit card will go away.
More About: Net worth , November

I'm an Enrollment Advisor at Ashford University!
2007-10-01 00:15:00
Just finished my 2 weeks of training at my new job. I am officially an enrollment advisor for Ashford Univers ity . My role is to provide all the necessary information to help adults get their degrees. We offer 5 different Bachelor's programs and 3 Master's programs. Visit www.Ashford.edu if you would like more information. Or you can call me direct 866-974-5700 EXT 2115 and I will be able to answer any and all questions. You can transfer up to 99 credits if you have previous college experience and I can explain and help with all financial aid questions. Please mention if you're calling from my blog so I can tell you about our book scholarship.
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Day 2 with Quicken 2008
2007-09-14 01:01:00
Today I got a little more in depth with the program. I filled out the retirement planner and debt reduction planner. I have to say I am impressed. Lets start out with the retirement planner. I went through the simple setup and just inputed all the data that was asked for. Very easy to do and does not take too much time. On my first try, it stated that with a retirement goal of 2035, I would have depleted funds by 2038 on a $20k/yr living for retirement at my current savings/income pace. What an eye-opener. I actually missed inputting a lot of information my first time through. I did not set any return rates on my investments and I also did not do reoccurring retirement deposits. On my 2nd attempt, it stated that I would run out of money by 2068 on a $30/yr living after retirement. This caused me some concern cause I always thought I would have enough for my retirement stage of life. I'm going to have to reconsider how much I can contribute to my Roth IRA's and other i...
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Quicken 2008 Preview... Day 1
2007-09-13 08:34:00
I recently got a copy of Quicken 2008 Home and Business from a good friend of mine. I've tried the trial version of MS Money 2007 and I had problems connecting to my online accounts for banks and credit cards. With Quicken 2008, I had no problems setting up all my accounts. I'm currently tracking all my bank accounts, all credit cards, investments such as IRA and stocks. I've used Quicken in the past but was not impressed and I was leaning towards MS Money more. This version may have changed my mind. Today is my first day using it so lets see if I can keep my finances in check. I do like the vista gadget of the billminder. That way I have NO excuse on ever being late on a payment again. You can get a copy at the link below using my Amazon affiliate link:
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1 month has passed...
2007-09-13 08:21:00
Wow, 1 month has passed since my last update. Lots of new changes going on in my life. I was recently laid off from my job last month and that's the main reason of no updates. I was on a crazy job search. 2nd of all, my child was going to head start day care which was free, but based off my income from this past year, they said I was no longer qualified. Now I will have to find a daycare. Here's the good news. I start my new job on Monday Sept 17 as an Enrollment Advisor at a college. We'll see how this all works out. I will have a significant increase in pay so let's see if I can save more and get out of debt faster. 2nd, I was able to find a program CDA which helps find daycares based off my income at a low price. Rough estimate is $15/day which comes out to about $300 per month. Since my job loss, my debt has increased. I was averaging about $1k a month of debt deductions, however this month I gained $1k in debt because I had to resort to my savings and credit ca...
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Searching...
2007-08-07 06:51:00
Right now I'm in the process of looking for a new job. My current job is just not cutting it. I've made up my mind to go back into sales. I need extra cash so I can get rid of the debt faster. I'm not sure if I'm going to pursue being an appraiser because the market is horrible right now and finding trainee hours is difficult. I've decided to find a sales job, save up money for 2 years, then head out to Las Vegas. If I can find a job where I can transfer, that would be even better. I've been applying online to just about everything. I'm willing to try new things and find my income potential. In the meantime, I've been playing a lot of poker. You can check out my poker blog at www.wsop2k7.com I'm going slowly in an upward trend. Poker is a game of variance and I need to remind myself.
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Net Worth as of Aug 3, 2007
2007-08-04 06:44:00
Here is my monthly Net Wort h update.Total Assets: $4,682 Total Debts: -$20,736---------------------Net Worth: -$16,054Difference from last month: $566 Percentage Difference: 3.41%NetWorthIQ Click here to see full details.Didn't save as much this month than normal. Stocks went down and so did my retirement funds. It's a long term fluctuation game so I'm not worried. $1k went away in debts and that is my main concern. I am keeping up and I will try to hit it hard this month. Sorry for the lack of updates, been playing a lot of poker and I am in the green! I'll update more this month. Stay tuned...
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Net Worth as of July 2, 2007
2007-07-02 16:42:00
Here is my monthly Net Wort h update.Total Assets: $5,190 Total Debts: -$21,810---------------------Net Worth: -$16,620Difference from last month: $1,206 Percentage Difference: 6.77%NetWorthIQ Click here to see full details.Another great month of debt reduction and gaining more net worth. At the rate I'm currently at, I have about 16 more months before I reach 0 and get a fresh new start. I've been keeping the same spending and saving habits since Nov 06 and my finances have been steadily improving. If you don't know your exact net worth, then there's no room for progress and you'll never know where you stand.
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$26 Billion, is that enough money?
2007-06-23 21:42:00
I had a interesting discussion with a couple of friends of mine on Friday night. I asked if $26 Bill ion dollars would be enough and what would they do with it? We all agreed that $26 billions is MORE than enough. Heh, I really don't know how some superstars go broke after making their first million. I listen to a lot of poker podcast shows and one of the topics were on richest people in the gambling world. They were talking about someone who was worth $26 billion. Then they started talking about how much money that actually is. If you think about it, you can basically buy anything you've ever wanted and still have money left over. You could give your mom, dad, brothers and sisters each 1 million, and that wouldn't even dent your net worth. Just imagine the possibilities. What would you do? Most people dream of being rich, but how much money do you actually want? At work, I get the chance to look at appraisals on homes that range from $100k all the way to 16 million. ...
More About: Money , Billion

Lack of updates
2007-06-23 20:14:00
Sorry for the lack of updates. Nothing new in my financial world except I've been playing a lot of poker lately. This is one of my true hobbies and passion. I get a natural high when I play, especially when I win and I've only been playing for about 2 years so I can only get better. Once I have a bout 5 years under my belt, then I'll be better off. As far as financials go, I've been on a steady trend of paying off debt while slowly trying to save. In the meantime, have a great weekend!
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AGLOCO viewbar now available!
2007-06-05 06:22:00
http://aglocotoday.blogspot.com/Check out AGLOCO! I finally got the email that the viewbar is now available so I get paid to surf. In 1998, AllAdvantage came out where you get paid to surf online. I made $50/mo for a couple of months until it died out. Hopefully I can make some change, if you're interested check it out HERE!

Net Worth as of June 2, 2007
2007-06-03 07:24:00
Here is my monthly Net Wort h update.Total Assets: $4,843 Total Debts: -$22,669---------------------Net Worth: -$17,826Difference from last month: $1,256 Percentage Difference: 6.58%NetWorthIQ Click here to see full details.Wow, what a great month! $1,256 difference from last month and I thought I was spending more than I was saving. Just hacking away at my debt slowly but surely. I remember back in December when I was -$23k in the hole, now 6 months later, $6,000 down and only $17k left to go. At this rate, 17 more months of having the same spending and saving habits, I should be debt free. I really believe that this blog has helped me save because it gives me a clear path on my goal and I'm not "guestimating" how much I spend and save each month. I'm really glad I've been updating my networthiq page each month because I see that my assets is going up little by little, while my liabilities is going down. On another note one of my former employers MSW is currently g...
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Woohoo! Finally Finished!
2007-06-03 00:30:00
I finally finished my appraisal online course. After 90 hours and a month of reading, I'm done! Now I just need to take the state exam and pass. My plan is to go over all the review questions and keep doing them until they're drilled in my head. I don't know exactly how long before I will actually take the test but I'll use that time to study. I believe I have 2 chances to pass the state test or I'll have to retake the entire course over again. I understood pretty much all of it and since I do work as a customer service rep at an appraisal company, I'm around it 8 hrs a day plus I get to talk to appraisers first hand and I pick at their brains. I find that going over any quality issues found on submitted reports from appraisers is one of the best ways to learn. I call them and let them know what to correct and most of them will do the corrections over phone. Then they just start to talk and I ask them questions like what they like about their job, how long they've be...
More About: Finally , Fina , Ally , Finish , Nish

So close yet so far...
2007-06-01 07:54:00
I have 1 section left to complete and then I need to finish the USPAP which is 15 hours. After all that, I will be done and they will mail me a certificate which then I can schedule to take the state exam. Now all I have to worry about is getting my 2000 hours as a trainee. The goal date to be completed of all the sections will be June 8th. As long as I can do 2 hours a day, I shouldn't have a problem completing it. I plan to study hard while I wait to take the state exam, hopefully it doesn't take longer than 2 weeks. I don't want to forget everything I learned cause I'm cramming my brain with information.Stay tuned for my monthly Net Worth update...
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Site Pal
2007-05-28 19:58:00
Has anybody ever heard of the company Site Pal, your own virtual salesperson? This seems like an interesting concept and I'll be looking into it a little more.

Million Dollar Savings Club update
2007-05-27 05:06:00
I started the Million Dollar Saving s Club thanks to Bryan C Fleming a couple months back. A simple idea of automatic savings done weekly to an online account that yields about 5% interest. I've been saving $50 a week and it automatically gets transferred every Friday. I use this account as my "mid-term" savings in case of any type of small emergency. This is the same account that I used to pay for my online appraisal class. As of this day, I have $536.21. It feels great to have extra money and the best part is that I don't remember even saving it. All I know is that I must have at least $50 in my bank account every Friday and I let them do the rest. It really is a GREAT way to save. At the end of the year, you'll have saved around $2,500 at $50/week. I would like to be saving $100/week and I will start doing that once I get all my debt down which is on track for 2 more years. At $100/week, that's over $5,200 in savings by Christmas time. If you would like to read mor...
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Appraisal shool and online poker
2007-05-24 06:14:00
Just doing a little of both. 12 more sections left for appraisal school, then 15 hours of USPAP. Online poker, playing .25/.50 limit at Full Tilt Poke r . If you play poker, check out www.wsop2k7.com and play at Full Tilt Poker.
More About: Line , Online Poker

Mothers Day
2007-05-14 02:47:00
Happy Mothers Day to all the mothers out there. My sister and I ended up going to Best Buy and bought our mom a new washer and dryer. Got 12% off and 18 months no interest on the Best Buy card. We're splitting it down the middle so everything works out great. Hope everyone had a good one.
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More Hours Online
2007-05-05 20:21:00
This weekend I'm going to try and put as many hours as I can into my appraisal online course. This past week I haven't really gotten much done and I've given myself a 2 week period to finish everything up. I know this can be done and I HAVE to do. I sit at work and see how much all these appraisers are getting paid and it's ridiculous. $600 for 2 field reviews. $30 for desk reviews. I can't wait!Did anybody watch Spiderman 3?
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The Micro Grill
2007-05-04 06:55:00
I'm in the process of buying one.The Micro Grill

May Net Worth
2007-05-02 05:49:00
Here is my 1st of the month Net Wort h update.Total Assets: $4,313 Total Debts: -$23,395---------------------Net Worth: -$19,082Difference from last month: $693 Percentage Difference: 3.50%NetWorthIQ Click here to see full details.Just under $700 taken off this month. Not bad, as long as I get closer to 0, I'm happy with that.
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Nothing New...
2007-04-30 05:14:00
Nothing new going on over here on my side of the financial world. I'll be updating my net worth on May 1st. I've paid all my bills on time and I didn't run out of money so that's a good sign. I'm still working on my online appraisal courses. I'm probably about 33% done with it. Hopefully I'll be done with it by the end of May. That way I can take the state exam asap. The NFL draft is officially over. I'm not a huge football fan but I am a Bears fan and I hope they picked up the people that they wanted. I got to watch some of the Bulls game vs the Heat. The Pistons are next on their list. Now only if the Cubs could win, I'd be a happy camper. Till next time...
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