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Naca Journey: The Good, The Bad, The Ugly, and The F This Part I

March 19, 2018 in Home / Uncategorized

Let me start off by saying I am very happy that I completed the NACA process.  It was worth the stress and the years removed from my life (exaggerating).

From Naca’s Website

The Neighborhood Assistance Corporation of America (“NACA”) is a non-profit, community advocacy and homeownership organization. NACA’s primary goal is to build strong, healthy neighborhoods in urban and rural areas nationwide through affordable homeownership. NACA has made the dream of homeownership a reality for thousands of working people by counseling them honestly and effectively, enabling even those with poor credit to purchase a home or modify their predatory loan with far better terms than those provided even in the prime market.

Part I:  The Workshop

I knew it was time to purchase a home because my rent increased by $80 per month.  I owed thousands in income tax (not exaggerating); long story. My ex-manager told me about the Naca program.  After a little research, I decided against it due to the horror stories.  I put my house dreams to the side due to not have 20% to down payment.  I refused to pay PMI.  FHA required PMI. NOPE!!!

One day in late-Feb 2017, I woke up and said I am over this apartment life.

I went to Naca.com to find a workshop.  It is the first step of the process.  In Charlotte, NC the workshops were full for months.  I decided to look in cities around Charlotte.  I found a workshop Blythewood, SC.

Step 1  Read more…

Starting Over Day 1 Focus T25

February 13, 2017 in Fitness

I fell off.  One thing after another. Major dental work, vacation and laziness are all of my excuses. I’m back at it though. My personal goal is to lose 30lbs by my birthday, July 27.

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Focus T25 Alpha Day 5

January 16, 2017 in Fitness

Lower Focus

Equipment: Nada

It’s Friday and a three day weekend. The down side is Aunt Flo came into town on her broom stick; I am exhausted and my body aches. I still have to get my workout done.

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Focus T25 Days 3 and 4

January 13, 2017 in Fitness

Day 3  Total Body Cardio

Equipment: Nada

Plank, plank, plank…. Total Body is plank heavy. I HATE PLANKS. I felt like quitting twice but made it to the end. After the workout me knees ached and popped. Nothing unbearable but noticeable.

Total Body Cardio is over the most difficult workout so far.

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Focus T25 a Day 2

January 10, 2017 in Fitness

Speed 1.0

Equipment Required: Nada

No throwing up today!!! I did 100% of the modified routine. I have zero nada coordination, therefore, some of the foot movements became tricky.  The interval stretching breaks were amazing. It was the quick break that I needed.

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T25 Day 1

January 9, 2017 in Fitness

Where is the toilet?

I literally wanted to throw up!

For the first 15 minutes I was keeping up then all of a sudden my stomach screamed, not to today Blu.  I was working out on an empty stomach but drinking a bunch of water.

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