Tedd spent 20 karma on magic 3-->4,
4 karma on skills. 3 karma was converted to nuyen.
2 karma on practice practice practice quality.
Overall: 20+4+3+2 = 29
total of 29 karma spent
Negative quality in debit VI (I had to raise it a bit) poor Tedd.
Phobia 8 - total of 14 karma gained by negative qualities (along with the 15 karma he started with it adds up to 29.