Monthly Archives: May 2014

24-DAY CHALLENGE, DAY 4, MDRM

May 23, 2014

24-DAY CHALLENGE, DAY 4, MDRM

I just finished taking my meal replacement shake that came with my 24-Day Challenge kit for lunch plus the Catalyst supplement tablet.

The Meal Replacement Shake comes in four different flavors and come in a 14 serving box. Perfect for on the go meal replacement that gives you 24 grams of protein, 5-6 grams of fiber, and 26 vitamins and minerals. Best of all, it has only and 220 calories!

The flavors that are available are Chocolate Mocha, Chocolate, Vanilla and Berry. My choice of flavor was the Chocolate Mocha and I have to say, it tastes great!

DAY 4 MORNING.

I started my morning with my Advocare Spark and Probiotic Restore supplements which are part of the First Phase of the 24-Day Challenge.

The Probiotic Restore supplement is the one on the bottom left and come inside the Herbal Cleanse box. I ate two boiled eggs and a slice of toast. for breakfast.

My workout to started at 8 pm sharp and lasted for exactly 1 hour. As stated before, I started with the ab workout after 10 minutes of warm up exercises. My muscle workout areas included back, biceps, and calves.

For the back muscle group I did bent over pull-ups and cable pull-downs. 4 sets each at 8-10 reps. Plus I hanged around the pull-up bar for 10 seconds x 4 (I still can not do a pull-up) YET! I did 4 sets each in the range of 8-10 reps of dumb bell curls and barbell curls. I ended my workout with standing calve raises; also 4 sets at 8-10 reps. Was a good workout overall.

P.S. I had dinner around 5 pm which consisted of grilled chicken thighs and vegetables. Til next time; see you later and may you all have a pleasant evening.

KINGS REYES

24-Day Challenge; Day Three, MDRM.

May 22, 2014

24-Day Challenge; Day Three, MDRM.

Today is Day 3 of the 24-Day Challenge and I went ahead and posted the link to the 24-Day Challenge Guide , which can be downloaded as a pdf. and should answer any questions you might have about the program. The guide gives examples of what is recommended you eat and a schedule to fellow for best results. Should you want to challenge yourself or a special someone, you can order the 24-Day Challenge Bundle (my website and affiliate link) and join to better yourself or friend. I look forward to hearing your results first hand.

THE THIRD DAY.

Day three started the same as in the past two days. I took the recommended products, but what I am doing different today is that I am starting my working out program since I am off from work for the next two days. During the days that I work I will have to improvise; for example, working out before work or after wards. My workouts will start at 8-8:30 pm on the days I don’t work; it is the optimal biological time for someone at my age. The workout today will consist of weighted twists (10 minutes), 3 sets of sit-ups and 3 sets of leg raises with reps in the 15-20 range for now until I get better at it.

In one of my previous posts I mentioned the term “Aesthetically Pleasing”, which I described is a form that our Female counterparts enjoy seeing the most in the Males. That form involves having a V-SHAPE form, which can be accomplished by widening the shoulders and back. The best home exercises for that (I have read) are pull-ups (Unfortunately I can only do two), exercises involving the shoulders and back. There are many to choose from and I will over time do most of them as I pursue my dreams of having a body that pleases female eyes.

Needless to say, I have both a cable weight machine and free weights plus a bench, which I bartered for my MiG Welder. Here are some photos of my set up to give you ideas should you wish to workout from home instead of the gym.

I just finished my hour long workout. Here are the photos I mentioned earlier (I just took them).

My homemade pull-up bar made from 1 1/4 black metal pipe which I had Lowe’s Home Improvement Center cut and retread. Works great, but I could only do half a pull-up today. Chucks! So much for doing two. I already had the 4 x 6 and 4 x 4 posts, which I had set up many years ago for my “then” little girl’s swing which she out grew.

So, I have the tools to succeed to my quest to become a better shapely man. We will see how that rolls out as the days and weeks go by.

I will continue to do my two pull-ups (zero, I was only able to pull my big butt half way up) and will toughen up doing cable pull-downs, which are recommended to strengthen the muscles necessary for pull-ups. This week I’m concentrating on cable workouts and next week I’l add free weights to those exercises I am already doing. So today’s workout will be for the chest, shoulders, triceps, and abs, which are for everyday.

I did 4 sets of bench presses on the cable machine in the 8-14 range (for reps), dumbbell shoulder shrugs and inverted flies (4 sets apiece 8-14 reps), triceps pull-downs in the same ranges. I feel pretty good and the muscles tight. My resting periods were as much time needed to change the weights to a lower one to keep the reps the same (30-40 seconds).

That’s it for today! Maybe next time I will add more photos of the actual workouts, but how knows…there are plenty of them on-line already. See next time…in “One Man’s Lifelong Quest to pursue that eluding perfect form!” Or something like that! “OKAY-okay!!!” I had to come back and add something else because the total word count fell unto 666…YIKES!

KINGS REYES.

24-DAY CHALLENGE; DAY TWO, MDRM

May 20, 2014

24-DAY CHALLENGE; DAY TWO, MDRM

Started this am by taking Spark’s Energy Drink Mix (affiliate link)in Mango/Strawberry flavor. Available in Watermelon, Cherry, Mango Strawberry, Pink Lemonade, Mandarin Orange, Grape, Citrus and Fruit Punch. Can be ordered in pouches (14 serving) or canisters. According to Advocare, “this drink sharpens mental focus, is a fast acting and long-lasting energy drink, which contains 21 vitamins, minerals and nutrients designed to synergistically provide a healthy, balanced source of energy with only 45 calories per serving.”

THE VERDICT

When I first became a distributor for Advocare, my goals were to just get the products I would be using a lot cheaper and not to sell anything. As a Distributor I get 20% off and 20% from commissions, but Advisors get 40% off their purchases plus can get up to 40% commissions from other persons purchases. Regardless, when I joined I received a sample kit for my own personal use or as maybe to pass them out to get people interested. One of the items was Sparks Energy Drink mix, which I have been taking for over a week now. “This stuff WORKS!” I have had no side effects like jitterness or a fast heartbeat. You can mix this with water or your favorite drink. I started mixing mine with the Fiber Drink in the morning to start my day. Remember there are eight different flavor to choose from. “Give them a try!”

THE HERBAL CLEANSE

Available in Citrus and Peaches & Cream, Advocare states “Herbal Cleanse supports improved digestion thorough internal cleansing. Helps rid the body of toxins and waste
providing 10 grams of fiber per day. Helps remove impurities from the body and supports healthy weight loss.” On my second day using the Fiber Drink (for days 1,2,3,8,9,&10)I have to say that it does work. With that many fiber going into you…you know what that means. To the Gentleman’s Room I go! I did feel lighter but not empty; kinda of a wellness type of empty if you know what I mean.

I have taken 1 dosage of Advocare’s Herbal Cleanse Tablets. Advocare states “the Herbal Cleanse tablet provides herbal extracts that help rid your body of the impurities that may be obstacles to achieving better health. One ingredient, senna leaf extract, is known for its use to relieve occasional constipation, as well as to encourage the movement of waste through the intestinal tract. Beet root powder and wheat grass juice are included to aid in the reduction of metabolic by-products in the blood and liver. Cranberry juice powder helps cleanse impurities from the kidneys and aid in excretion through the bladder. The Herbal Cleanse tablet also contains milk thistle extract, which has the active component silymarin. Silymarin has been traditionally used to aid in eliminating toxins from the liver and is also an excellent hepaprotectant and antioxidant. Echinacea, astragalus, garlic, zinc and vitamin C help support the immune system. Herbal Cleanse tablets also contain a wide range of B-vitamins to help maintain energy levels during the detoxification period. Take on days one through seven. This statement has not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.” The Herbal Cleanse tablets are for days 1-7 of the program.

CATALYST

One of the products not included in the 24-Day Challenge was the Catalyst, which “helps maintain muscle mass during exercise & weight management, aids in preserving muscle and energy levels during times of calorie restriction, plus helps repair & protect muscle tissue.” Since I am trying to grow some MUSCLE I felt this product would be a great addition to my program, especially since I am also trying to get fit enough to get a SIX-PACK. The Catalyst will help prevent muscle loss while I am losing body fat from dieting.

BYE-BYE

Gotta go now to work. See you next time where I will include some workouts that I am going to try and some more feedback on the products I have chosen to use to help me get AESTHETICALLY PLEASING.

KINGS REYES

“24-DAY CHALLENGE FROM ADVOCARE”, Day One MDRM.

May 20, 2014

“24-DAY CHALLENGE FROM ADVOCARE”, DAY ONE MDRM.

Today I received my 24 Day Challenge package from Advocare.com, a place where I am also a distributor. I figured that since I am going to promote those products that I should give them a try first hand. The 24-Day Challenge (affiliate link) is a package deal to help you get fit and involves two phases. The first one is the Cleanse Phase which take ten days to complete. This phase helps remove waste and prepares your body for optimal nutrient absorption during the Max Phase (11-24 day period).

24- Day Challenge Cleanse-Phase-Products

I have already started taking the products recommended by Advocare and will keep a close track and there performance. This next photo is a recent one in which I weigh in at 199.6 pounds. I am at 26 percent body fat.

I will post one photo every week to see the differences as the days go by. I have shifted my goals from trying to lose weight to being in shape. There is a difference which I will explain my thoughts next time, so I might not post my weigh ins. Till next time! See Ya!

ALOT OF WORK AHEAD

May 8, 2014AESTHETICALLY PLEASING...a new you, time flies, waking upKings Reyes

ALOT OF WORK AHEAD

“BOO!”

The start of something — maybe-I-can-lose-10-pounds-like-this

It was August 27, 2012 and I just cut my hair completely off. This was no big deal; I always chop it off every three months or so. But, this time it was different. Before I would cut it off because I was too hot or because I hated combing it. Today I am cutting it off to represent a changing in my life. “I am letting it grow.” Possibly forever until I die. Who knows? I had weighted in at 253 lbs in that picture.

THE CHANGE

Something is changing in me. My other half calls it menopause or an old mans weird wiring’s (she does that offenly); but I know it is something else. Something with a meaning to my life that I just can’t grasp as of yet. Perhaps I am simply tried of her calling me names like “the Buddha” or “fatso”? Who knows, but maybe it is or maybe I have other unexplained plans.

The picture above was taken in January 27, 2013. I have lost 33 pounds with out trying or doing exercises. I tend to walk through the course of my work day for three miles easily. I have cut down on eating too much empty calories like sweets and tortillas.

As of August 12, 2013 my stats were:

212.4 pounds

body fat mass = 60.91 pounds or 21.7 % body fat

5’7″ height

46 years

38″ waist circumference

TIME

Today’s date is May 7, 2014 and time has flown by. I know the things I want to accomplish before I die. I want to get trim and in shape. I want to have a V shape with a six pack to show for my hard work, but I do not want to lose any muscle, if I have any. LOL.

I want to remove my debt, see the seven wonders of the world, save money for my little girl to go to college, and I want to visit my little brother in Japan, and I want to climb Mount Everest. Okay-okay…maybe not climb Mount Everest!

Today I am sitting in at 202 pounds and I have been pumping a little iron. I haven’t gotten serious yet; I am just beginning to wake up. I am still been called the Buddha, but that does not bother me anymore.

Time to speed up ahead of my game! Hope to hear words of encouragement, I always hear them from my little girl. There is a charge in the air and its positivo! Despite the latest in happenings from getting a new job, losing my Mother in Law, and other things; I feel the winds of change and the heavy clouds opening to reveal rays of light. Thanks in advance!

MDRM

“HE GIVETH AND HE TAKETH”, MDRM

May 8, 2014THE BALANCING ACTdeath in the family, family, GodKings Reyes

“HE GIVETH AND HE TAKETH”, MDRM

DEATH IN THE FAMILY

On May 2, 2014 I lost my Mother in Law and my daughter lost her second Mother. You see my Mother in Law was like a mother to her raising her while I and her biological mother worked full time jobs. My Mother in Law was 87 years old. She was born on February 2, 1927 in Mexico and she had plenty of stories to tell. She was an outgoing Catholic woman and never had anything bad to say about others. She will be deeply missed in the world of the living.

MEETING THE MAKER

My Mother in Law had been in and out of the hospital for the past two weeks. Once she got admitted to a nursing home, but she did not like it; so they moved her home. On her last trip to the hospital she said that she was tried of this and insisted we let her go to join her husband and son in the heavens. People from around the state and Mexico came to say their goodbyes. That was May 1, 2014. The following day at 430 pm she passed to the other side.

A HAPPY WOMAN SHE IS

Throughout her life, the moments that I saw her. she was a happy woman and tried to make the best of things. Even on her death bed, she jokingly laughed with us. She had made a decision, and she was happy with it; she was ready to move on. I will deeply miss her as I know her family will too. God Bless Her Soul and her remaining family.

MDRM

Been the go to person I am; I have to be strong for them. I cannot crouch down, but remain the pillar of strength; a pillar of comfort to those who need it. It is who I am; it is what I do. Putting others before my needs…MDRM.

“THE DOUBLE D’S; DEBT DETECTIVE, ZEROING IN ON DEBT!”

May 7, 2014"KA-CHING!"Kings Reyes

“THE DOUBLE D’S; DEBT DETECTIVE, ZEROING IN ON DEBT!”

I have taken an unprecedented approach to ending my debt and towards financial freedom using multiple avenues that I hope will work. From quitting work to collect my 401 k saving, to selling aluminum cans and metals, to adding ads to my websites that might generate some much needed income. I am cutting back on some of those automated paid creditors and removing some altogether. Please sit down and take a short trip with me. You might find some of this interesting.

NUMERO UNO

The first order of business today will be to do away from my cable company. They kept charging me more and more for internet use and “HD” TV. I have an old antenna that should give me the regular channels that we normally see. I will keep the internet connection unless I find a better deal elsewhere. The internet is something that both my daughter and I use on a regular basis. I intend to save a little bit over $50 dollars every month.

NUMBER TWO

My sights are set for Sprint phones services. I get charged $270 dollars every month for three phones. I can get a better deal from T mobile for $140 and I get to keep my old phones and number. That’s a saving of $130 every month.

NUMBER THREE

I said goodbye to the gym for a saving of $10 dollars a month. $10 dollars might not sound like a lot of money, but if you do the math it will add up. That’s $120 a year.

ADDING THE +’S

All this adds up to $190 extra dollars every month, but again; some of this numbers are are estimates and I will have to wait a couple of days to find out the real numbers. At $190 extra I can zero in on a fast loan with a $170 dollar monthly payment. I intend to double the payments to remove them as soon as I possible can. The estimated time is five months, but we might be able to get rid of them in as little as three months if we bonus at work.

MAKING MONEY

I intend to invest in a pallet of stuff that I can sell in the Flea Markets next month. I have read that such pallets go anywhere from $350 to $500 dollars, but the return in investments are almost three times higher. I am also adding things on Craigslist that I can sell without too much trouble. I will continue to save up on aluminum cans and other metals to cash in on them. As I get more ideas I will list them on this portion of the blog and if you have any money making ideas, please feel free to add them to the comment section. That would be great. “Okay-okay…”

“THE DOUBLE D’S; DEBT DETECTIVE, ZEROING IN ON DEBT!”

Let me get at them!

“THE DOUBLE D’S; DEBT DETECTIVE, DOING WHAT’S BEST FOR YOU.”

May 7, 2014"KA-CHING!"dealing with debt, debt detective, what's best for you and your familyKings Reyes

“THE DOUBLE D’S; DEBT DETECTIVE, DOING WHAT’S BEST FOR YOU.”

THE PLAN

March the 7th 2014; its Friday afternoon and today was my last day at the Home Depot a place where I had worked for fifth-teen plus years.

My goal; to climb out of a debt hole and to eradicate debt in my life for good.

The plan; collect my 401 k savings and pay off as much creditors as possible. Target the least amounts, payoff, and continue every month until all are paid off. “Sounds simple enough?” Here we go…

“THE DOUBLE D’S; DEBT DETECTIVE, DOING WHAT’S BEST FOR YOU.”

THE WAITING

I would have to wait five weeks in order to collect my 401 k savings and then the plan was to return to work doing the same, earning the same as before…or so I thought.

In my past post I mentioned that my bank account was averaging a -$1139 every month without me knowing it. I renewed four of my ugly fast loans to quiet things down and to give me a months’ worth of time to plan. A week before my last day I submitted my four week vacation pay to help me out during my time off (something that took three weeks to get) so much for making associates a top priority and helping out. For five weeks I would keep busy and earn money on the side.

HARD EARNED MONEY

During my first week from work I stopped some of my automatically paid bills. I tore apart my old 1967 Dodge Swept line truck. I had being practicing welding on it for a couple of months. Needless to say, took me two weeks to cut it up to sizes that I could manage and lift by myself. I burrowed my older brother’s truck and made four hauls to the metal scrap yard. I totaled $250 dollars which I deposited in the bank. To add to that, I had five large trash bags of aluminum cans which netted $35. Because my vacation pay didn’t get in as expected I had to sell my welder and other things which also added to the pie equaling around $500 dollars. So far I have earned two weeks’ pay by doing this (I get paid $680 every two weeks). I will miss the things I sold, but I intend to beat my debt.

FUTURE PLANNING

In the third week out; I invested $89 dollars in this program called “Advocare” that allows me to collect 20% of the sales that I make. I will start to sale health care products mostly online in hopes of making a few more dollars every month. Please take the time to check out my ADVOCARE site. I have personally started to use the sample they sent me and know people here at my new workplace that are using their products with really good results. Furthermore, I have added Google Adsense and have become an Amazon Affiliate. I have added their links in my other site called smoke fire spice.com. The site is about outdoor cooking and barbecue. As of today, I have one week with them. Will see how it rolls. One more thing; I got my vacation pay at the end of week three.

FEELING THE FUTURE…THE POWER OF INSTINCT

In the middle of December I went over to the competitor and told them I wanted to move over. There weren’t any opening then and probably would not be any until the end of February or beginning of March. I was preparing for the worst possible scenario back at the H.D. Call it “gut instinct or a mother’s intuition” etc…you know what I mean.

In the end of my third week from work I got that call for an interview. There were two full time openings and I was in. Because of my job experiences and because people who have known me that work there, I got the Department Manager opening. Took me an hour of interviewing, but in the end I was told to start Monday the following week. I was excited and best of all, I was even getting a tiny bit more than before.

DOORS CLOSE SO THAT OTHERS CAN OPEN

The fifth week is here and I have received what little I had in my 401 k saving, but it is enough alongside my not having to pay for health ins and other bills to bring down my -$1339 per month to a +$170. I will start zeroing in on other credit cards and any unnecessary bills to reduce my debt and increase the + amount.

LIFE’S JOURNEY

Should my last day be today I would feel confident and at peace to meet our Maker. I have been a good person all my life or at the very least…I cannot recall when was the last time I thought something awful about another person. Helping people here and there. Been a Big Brother to both man and woman. My old military friends called it dumb and some women call me “Goodie Good Shoes”, whatever the term; it is who I am.

In closing, if you like shopping in Amazon.com, should you go to my site about barbecue called smoke fire spice .com (a future experiment), if you link to Amazon.com through there I will receive up to four percent of anything you buy. How cool is that!? You can help out by just doing that, it’s a donation without really giving out any money. Thanks in advance and should you want to put in your ten cents of thought, go ahead. I would be delighted to hear from you, whether it be your own story or that of another; it would be my pleasure to lend an EAR out.

Till next time…I’m going out to the study room to beat on some numbers!

“THE DOUBLE D’s; DEBT DETECTIVE”

May 4, 2014"KA-CHING!"debt detective, double d'sKings Reyes

“THE DOUBLE D’s; DEBT DETECTIVE”

THE LAST DAY…

March the 7th 2014; it is Friday and its my last day at work. For those who have checked out my Google page, you may know I have worked at the Home Depot for the past 15 plus years. I had to quit to collect my 401 k saving to get out of a hole; sure I could have gotten a loan, but doing so would have put me further in the hole in the long run.

HIGH HOPES?

I had spoken to our store manager when I gave my two week notice and he assured me not to worry. My job was secured and everything would be fine. So everything was fine until my last day there; Friday. I was introduced to my replacement and was told to train her and I might add; a different position would be created upon my return…but I would be considered a “NEWBIE”. As everybody knows, a new hire does not have any benefits and the pay is at minimal. My fate was sealed.

THE BET’S

Throughout those two weeks the bets were rolling as to whether the boss would keep his end of the deal or not. 90 plus percent of the people working there and my gut told me he would not. His past performance with people was negative; he was the “Give me-give me” type. So it came to no surprise on my last day, yet he continued to encourage me not to worry about it.

THE HORROR…

Its Friday afternoon, I am at my home and the lights go out… “Many things race through my mind” I don’t have a job anymore, did I pay the light bill? , did the check bounce? , it’s the end of the world, I DON’T HAVE A JOB ANYMORE etc, etc… and in the end; what the hell am I going to do. What appeared to be an eternity was one horrific hour that the lights where out. I just sat there on the sofa looking at that black television screen with pounding thoughts of impending doom. Not having enough money to pay the light bill, the water bill, the house bill, and way in the back was that terrible thought…not been able to pay my little girl’s Beetle.

THE HERBIE BEETLE

Back in 2012 I had gotten a loan from my 401 k savings and put a down payment on a car for my little girl. She couldn’t drive alone yet; she only had a driver’s permit. Also, we were going out of state to see the Grand Canyon and other sites. It was their first out of state vacation. I couldn’t resist the Beetle. My little girl loves Beetles and I knew she would adore this one. It came from the factory looking like “Herbie”. I had decided to buy her a new car instead of a used car because I didn’t have to worry too much about the car breaking down and buying her a car meant freedom to me. In the past I had worked the same schedule at work (4 am-1 pm) so that I could be there for her after school. I would pick her up from school, school events, and cook for her afterwards. “She calls me the chef, butler, and dishwasher dad among other titles.” What can I say? Every parent will do just about anything for their children and so did I.

REFLECTIONS

FLASHBACK TO the winter of 1985 West Germany; it had been the coldest winter since WWII; low crawling to an enemy position. Took me a good hour to go unnoticed. Mission accomplished. Desert Storm Arabia; the deep desert in 130 degree heat. Mission accomplished. I could make a list from repelling off Black Hawks and mountain sides to paragliding in the coastal waters of Costa Brava, Spain. “Message?” I got the will to succeed when I put my mind into something.

LIGHTS ON

And the lights come back on, both in the house and in my mind. I got a plan to climb out of that rabbit hole and a plan to eradicate debt in my life for good. “THE DOUBLE D’s; DEBT DETECTIVE” is on the move!

“What are your thoughts on this? Feel free to add your ten cents worth.” Thanks in advance.

In the meantime…time is a wasting and Alice in some Wonderland awaits with a life line…if not; that is okay too. See you on the other side, I’m clawing and climbing myself out!

THE PROBLEM WITH AUTOMATIC

May 1, 2014"KA-CHING!"getting out of the money hole, in debt for life, the problem with automatic paymentsKings Reyes

“THE PROBLEM WITH AUTOMATIC”

Sure its nice to have a car with an automatic transmission. Just shift it into gear and Zoo-om! It is also nice to have your bills paid automatically from your bank account…unless you forget about them and they start to charge more over time.

That is what happened to me several months ago. Over time my automatically paid bills where charging me more for this or that and the sad thing was, I didn’t even know until I had racked up a -$1139 bill ever single month! Ouch! I thought to myself the usual stuff people probably think of at times like these. “What the hell!?” The bills come in, the bank pays for them and charges our account for fees etc…every month the process continues. And on top of that came those really late bank statements each with their own bills for insufficient funds. Amazing my credit remains good.

It was heartbreaking and an eye opener for me. I quickly renewed some of my fast loans to quiet things down; there were four of them in total and I sat down to investigate the matter with a magnifying glass and into great detail I might add.

My start of my investigation took me to the bank, which I was lucky enough to personally meet the bank manager who was very helpful. You see, I am not the primary person to the bank account, so I was never given access to the bank account so that I could keep a better eye at it through on-line services. She logged me in and gave me a code so I could precisely do that. In the past I have had no such luck.

My investigation into past withdrawals and deposits led me to realize that my automatically deposited bi-monthly paycheck had shrunk from my usual $898 to just $630 dollars. Furthermore, my spouse who would also deposit $900 dollars at the same time in the past, was not depositing that amount any more. She had been depositing $680 at max for a very long time. In my defense, the rising cost of healthcare in the form of Health Insurances and I had bought a laptop and pad for our little girl for school, which was been charged to my paycheck every time I got paid and before it hit the bank. Furthermore, I had taken out a loan from my 401 K saving to go on a vacation the past year. It all added up to my shorter paycheck and since it was deposited automatically; I never knew until now. On my spouse’s side…she just likes money in her pockets. I don’t blame her; who doesn’t like money in their pockets?

That alone is a difference of $488, I had to find out where the remaining $651 dollars have being going to. During the past year our phone company, our cable, and other bills had grown to account for the $651 dollars. Now that remained was how to get out of that hole, which I knew was going to get deeper given enough time. I refused to renew bigger loans to catch up, instead I talked to my boss at work. I would quit work long enough to collect the remaining 401 k balance and use that money to pay off as much bills as I possibly could. I would no longer have extra money taken out of my paycheck and I would simply pay the required 30% tax to the tax man at the end of the year. It is the plan to date.

The problem with automatic payments can be catastrophic, but as long as you are totally in control and keep track of spending it can be a great time saving tool. What are your thoughts on this? Keep in touch to see what my plans are and how I intend to beat the -$1139 dollar hole, even up with it, and start taking control of my horrendous dept.

“THE PROBLEM WITH AUTOMATIC” Time is a wasting…See you soon.