Welcome to the site KrisE. Here is a little info to help calm your nerves.
For more info check out the General FAQ

7. What is the user level?

User level is a rating of you as a user within the CMT community. The more active you are, the higher your user level will be. Your user level also affects your daily note entry limit and gives you additional privileges . And before you ask what the user levels are, here is the complete list of user levels:
* Newbie
* Interested Newbie
* Dedicated Newbie
* Senior Newbie
* Junior User
* User
* Regular User
* Dedicated User
* Senior User
* Tracker
* Regular Tracker
* Dedicated Tracker
* Senior Tracker
* Master Tracker
* Superior Tracker

User Level Privileges

Users on the Canadian Money Tracker are assigned levels, based on their activity within the site. All user level increases are automatically adjusted, using various criteria, every Saturday morning. There are no special exceptions whatsoever, so that means that two users who are trackers have both met the required criteria at some point or another. The actual criteria used is kept secret so as to prevent abuse but if you are using the site as it was intended, it is guaranteed that your user level will increase.

With many user levels come additional and/or special privileges. Those privileges (as of version 2.3.2) are listed below:

* Newbie
o entry limit: 5

* Interested Newbie
o entry limit: 10

* Dedicated Newbie
o entry limit: 15
o can view another user's details (if that user allows it)

* Senior Newbie
o entry limit: 20

* Junior User
o entry limit: 25
o can modify the subject line within forum message replies
o can receive SMS text messages when they receive a hit

* User
o entry limit: 35
o can add a custom picture to their profile

* Regular User
o entry limit: 50

* Dedicated User
o entry limit: 75

* Senior User
o entry limit: 100

* Tracker
o entry limit: 125

* Regular Tracker
o entry limit: 150

* Dedicated Tracker
o entry limit: 175

* Senior Tracker
o entry limit: 200

* Master Tracker
o entry limit: 250

* Superior Tracker
o entry limit: 300



HAPPY TRACKING

JerBear - No longer entering notes but still enjoy tracking my hits.