Sunday, June 19, 2016

How to do a No Spend Month Challenge


A no-spend month is a month long commitment to spend money only on necessities: gasoline, groceries, rent, utilities, etc.

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  1. Create an Emergency Fund
  2. Give to a Non-Profit or other good cause
  3. Save up for a family vacation or another fun splurge
  4. Start saving for retirement or a college fund
  5. Save up for the necessities like a house or car
  6. Pay off debt like credit cards or student loans and get one step closer to financial freedom

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Here are a few things do during a no spend challenge
 -Clean out your pantry
-Meal Plan
-Meal Swap
-Get a hobby
Find encouragement and inspiration from others who have completed this same challenge—and lived to tell the tale.

There are a few expenses that should definitely be cut out for the month:
  • Eating at restaurants
  • Starbucks
  • Clothing
  • Hobbies–crafts, golf, etc.
  • Entertainment
  • Toys
  • Toiletries
  • Alcohol & other vices
  • Lottery Tickets
  • Furniture/Home Decor

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Wednesday, April 13, 2016

My struggle with a possible childless future

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So today I was in the car today talking to my caregiver about kids and my love life. She asked me about whether or not I want kids one day (cause I am 28 now and no kids or a love life) then she paused and asked if I could even have kids. I said yea probably I haven't really look into it.... I was lying. A few years ago I went to the doctor and they said that I had a huge tear in my uterus lining. I knew that I had a few problems with my feminine plumbing (fibroids,etc) I just didn't know what. Apparently in the doctors notes it stated that when I was minor they explained this to my mother and told her what I needed to do .They thought it was best if she as my mother talked to me about it. Unfortunately they didn't take into account that my mother is an alcoholic who was really invested in my well being. She didn't tell me and now I may not be able to have kids even if I wanted to. To be honest I am to scared to find out. I burst out into tears in the car because normally I don't like talking about it. My caregiver really thinks I should get checked out for health reasons. But I'm just ...well scared. I know that I am not the only women struggling with problem please share your thoughts and insights.

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Thursday, February 11, 2016

Ultimate Valentine's Day Gift Package Winner


The fourth annual "Worlds Best Valentine" Contest has finally come to a close! This contest allowed all my readers to nominate their love ones for the glorious title and a dinner and movie package!
Thank you so much for the great response and wonderful tales of love to this contest I was so surprised.All of you represented your loved ones in such a way that I have to confess I got a very little jealous. Your family is so lucky!  I hope you all enjoyed yourself and that you will come back for of my ramblings in the future. Please take time to check out Ask Marty Anything: Learn all about Love,Sex and Relationships -
When I first started the contest I decided that I was going to judge it on my own personal preference.Whatever story I liked best was going to win! However after about entry number  10 came in it became clear that I was not going to be able to pick just one. Because no one love story is better than another... it just isn't. So I plugged the comments into and random generator and let fate decide!

And the Winner and Worlds Best Valentine is.......

My valentine would be my boyfriend of two years. He is not only my best friend but also my care taker. See I have a chronic illness called Postural Orthostatic Tachycardia Syndrome which has caused me to go from being very active to being in a wheelchair. My boyfriend has been there with me every step of the way. He will cook me dinner, give me massages and help me wash my hair if I need him too. He is amazing and gives his all to help me live as normal of a life as possible. He even let me adopt a kitten knowing that he is awfully allergic just to see me smile. He will listen to me complain about my illness and provides for me as I am unable to work. He will skype with me if I am in the hospital and take me to my doctors appointments no matter how boring and how many there may be. He expected none of this when we started dating as I was a fairly healthy normal 20 something but the first time I fainted he was there to catch me and he has been there for me ever since. I love him to the moon and back, forever and always. - See more at: http://www.thoughtsonlifeandmoney.com/2015/01/whose-your-valentine-contest.html#idc-cover

Congratulations Heather M! Here is her story

My boyfriend Jeff is the best part about me. As soon as I met him, he changed my life for better. He is the most caring and selfless person I have ever met in my life. He would bend over backwards to help even a stranger, and I've witnessed him do that multiple times. We've stopped countless times while driving around to help people with car troubles. He works with cars as a living so not only does he know what he's doing, he helps people save as much money as possible by fixing whatever he can. He is always putting others first and that's a quality that I admire so much about him. He is my best friend and always knows exactly what to say. Saying that I love him doesn't get the point across. He is a part of me, my soul, my being. Without him I would be incomplete. I can only hope that I can do as much for him as he does for me. He works a lot and we often don't have time to ourselves. We would use these gift cards to have a date night and spend some much needed time together. Thank you so much for reading and for putting on this contest. My email is karbonxo@gmail.com. And don't worry, I joined Fushioncash and your referral code was used. Have a great day!

my special someone is my husband. we've only been married for a little over a year, and together 3 years and change. I've been in serious relationships before him, but I never felt totally convinced they were the right one for me; I started to suspect there WAS no one for me, that I just wasn't cut out for marriage at all. and then I met him one day, randomly, playing a game online! I know it sounds silly, and I certainly wasn't looking, and certainly not there! and absolutely not with a younger man, living 3500 miles away. but he's convinced me that not only is there a perfect mate for me, but that he is that mate!!
Who will receive

Please join me in congratulating Heather M (who will receive an email from me shortly) and thanks again to everyone who participated I hope you all have a wonderful Valentine's Day! Have a chocolate on me!

Please take time to check out Ask Marty Anything: Learn all about Love,Sex and Relationships -


Sunday, February 7, 2016

Ask Marty Anything: Learn all about Love,Sex and Relationships


Congrats everyone with your help we were finally able to choose a topic for February. We are going to get  Spring season by learning more about

                                     Image result for love

                       Love,Sex, and Relationships

I am not an expert but I am pretty good at finding those who are! So tell me who you would love to hear from and your questions you want ask them. I will do my best to get them to answer your questions.

*I am not an expert but I am pretty good at finding those who are! So tell me who you would love to hear from and I will do my best to get them to answer your questions.
- See more at: http://www.thoughtsonlifeandmoney.com/2015/02/marty-presents-penny-for-your-thoughts.html#sthash.RweYMhTW.dpuf
                                     Let Your Questions Begin! Go to the comment section below and ask the questions you want and I will share the best questions in the interview

Share your ideas for interview topics for May by going to the Penny For Your Thoughts Page!   I look forward to hearing your thoughts and your questions!

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