Author Topic: FacePunch Me  (Read 165504 times)

Dicey

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Re: FacePunch Me
« Reply #700 on: August 18, 2017, 10:24:53 AM »
I spent over $800 on two pair of custom orthotics. I saw an podiatrist to check out an issue with my achilles tendon. He pointed out that my left arch was collapsing and I was getting bunions on both feet, and recommended orthotics. I'd noticed the slight bulges at the joints of my big toes, but because they never hurt, I thought they were just part of the normal shape of my foot. Did some research on bunions and got scared. They can be quite debilitating, and the there's a long recovery time from bunion surgery. Researched orthotics, and decided to go for the custom jobs. My insurance doesn't cover them, so I footed the whole bill. I can certainly afford it, but after I got them and used them for awhile, I got a mad at myself. I think I could have bought generic foot beds and got the same result. But I let fear get the best of me, didn't want to mess around with foot problems, and figured that more money would mean a better result.

When I went for my follow-up with the podiatrist, I mentioned that the orthotics don't fit well in my work shoes, they take up too much room. He then tried to sell me a more generic set with thinner pads for my work shoes for $100. That really ticked me off!
I see what you did there. Seriously, I'd bet that anyone who's needed bunion surgery (I'm looking at you, DH) would have preferred to go the orthotics route. Since foot health is important to your whole skeletal structure, I'm good with engaging professional services. Your future self will consider it money well spent.
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Dollar Slice

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Re: FacePunch Me
« Reply #701 on: August 18, 2017, 10:55:31 AM »
I dunno if that's a facepunch thing so much as a "life sucks" thing. I've spent easily over $1000 on orthotics and special shoes and etc. plus several hundred on PT, and none of it worked well enough, so I'm having surgery on  both feet. But what else can you do?

Medical stuff is expensive, but you can't blame yourself. That's why it's good to be mustachian, so you have money to spend on your health without having to beat yourself up or agonize over whether it's worth it. You made the best choices you could.
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o2bfree

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Re: FacePunch Me
« Reply #702 on: August 18, 2017, 11:19:49 AM »
Thanks Dicey and Dollar Slice. I'm at that age (55) where damage I've unknowingly done to my body is starting to show up. Had two shoulder surgeries last year, plus a heart procedure (twice!) for an electrical problem I never knew I had until I got older. Yes, it is nice to have the money to take care of these things!

marielle

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Re: FacePunch Me
« Reply #703 on: August 18, 2017, 11:36:37 AM »
I spent over $800 on two pair of custom orthotics. I saw an podiatrist to check out an issue with my achilles tendon. He pointed out that my left arch was collapsing and I was getting bunions on both feet, and recommended orthotics. I'd noticed the slight bulges at the joints of my big toes, but because they never hurt, I thought they were just part of the normal shape of my foot. Did some research on bunions and got scared. They can be quite debilitating, and the there's a long recovery time from bunion surgery. Researched orthotics, and decided to go for the custom jobs. My insurance doesn't cover them, so I footed the whole bill. I can certainly afford it, but after I got them and used them for awhile, I got a mad at myself. I think I could have bought generic foot beds and got the same result. But I let fear get the best of me, didn't want to mess around with foot problems, and figured that more money would mean a better result.

When I went for my follow-up with the podiatrist, I mentioned that the orthotics don't fit well in my work shoes, they take up too much room. He then tried to sell me a more generic set with thinner pads for my work shoes for $100. That really ticked me off!
I see what you did there. Seriously, I'd bet that anyone who's needed bunion surgery (I'm looking at you, DH) would have preferred to go the orthotics route. Since foot health is important to your whole skeletal structure, I'm good with engaging professional services. Your future self will consider it money well spent.

Now I'm nervous...I broke one of my big toes a few years ago and never went to the doctor. It doesn't bend or support weight like it's supposed to. Now I'm paranoid that this is going to cause serious issues down the road.

o2bfree

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Re: FacePunch Me
« Reply #704 on: August 18, 2017, 11:42:32 AM »
Now I'm nervous...I broke one of my big toes a few years ago and never went to the doctor. It doesn't bend or support weight like it's supposed to. Now I'm paranoid that this is going to cause serious issues down the road.

Get it checked out! I hurt my shoulder several times in my 20s, and never went to a doctor. Paid for it last year. Some professional care at the time of injury might have lessened the damage, which now includes arthritis.

Inaya

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Re: FacePunch Me
« Reply #705 on: August 18, 2017, 01:00:56 PM »
I dunno if that's a facepunch thing so much as a "life sucks" thing. I've spent easily over $1000 on orthotics and special shoes and etc. plus several hundred on PT, and none of it worked well enough, so I'm having surgery on  both feet. But what else can you do?

I had surgery (metatarsal lapidus+Akin osteotomy+4th toe hammertoe correction) to fix the congenital bunion on my left foot when I was 23, after several years of worsening pain. Never bothered with orthotics because the doc said I'd have to get surgery sooner or later, so why prolong the pain and risk further damage and complications? Plus the young recover from surgery much better. No regrets at all.

My right foot, on the other hand, also has a congenital bunion and has never gotten as bad. But if it starts to threaten, I will definitely try orthotics first because it's not nearly as painful as the left foot was.

I spent over $800 on two pair of custom orthotics. I saw an podiatrist to check out an issue with my achilles tendon. He pointed out that my left arch was collapsing and I was getting bunions on both feet, and recommended orthotics. I'd noticed the slight bulges at the joints of my big toes, but because they never hurt, I thought they were just part of the normal shape of my foot. Did some research on bunions and got scared. They can be quite debilitating, and the there's a long recovery time from bunion surgery. 

$800 is definitely cheaper and less painful than surgery. That said, depending on the bunion and surgery type, recovery can be fairly quick and (comparatively) painless. I had a teacher who was weight bearing in 2 weeks. (I was non-weight bearing for 10 weeks and partial for another 3.)
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Dollar Slice

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Re: FacePunch Me
« Reply #706 on: August 18, 2017, 01:37:42 PM »
I dunno if that's a facepunch thing so much as a "life sucks" thing. I've spent easily over $1000 on orthotics and special shoes and etc. plus several hundred on PT, and none of it worked well enough, so I'm having surgery on  both feet. But what else can you do?

I had surgery (metatarsal lapidus+Akin osteotomy+4th toe hammertoe correction) to fix the congenital bunion on my left foot when I was 23, after several years of worsening pain. Never bothered with orthotics because the doc said I'd have to get surgery sooner or later, so why prolong the pain and risk further damage and complications? Plus the young recover from surgery much better. No regrets at all.

My problem is degenerative. Every doctor I consulted wanted to postpone surgery and try different shoes and orthotics first to keep it tolerable as long as possible. I'm hoping it wasn't a mistake to wait this long, but I saw two different surgeons (fall 2015 and spring 2016) and neither thought it was time to operate. I figure if someone who operates for a living doesn't think you need an operation yet, they're probably right.
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Inaya

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Re: FacePunch Me
« Reply #707 on: August 18, 2017, 01:58:30 PM »
I dunno if that's a facepunch thing so much as a "life sucks" thing. I've spent easily over $1000 on orthotics and special shoes and etc. plus several hundred on PT, and none of it worked well enough, so I'm having surgery on  both feet. But what else can you do?

I had surgery (metatarsal lapidus+Akin osteotomy+4th toe hammertoe correction) to fix the congenital bunion on my left foot when I was 23, after several years of worsening pain. Never bothered with orthotics because the doc said I'd have to get surgery sooner or later, so why prolong the pain and risk further damage and complications? Plus the young recover from surgery much better. No regrets at all.

My problem is degenerative. Every doctor I consulted wanted to postpone surgery and try different shoes and orthotics first to keep it tolerable as long as possible. I'm hoping it wasn't a mistake to wait this long, but I saw two different surgeons (fall 2015 and spring 2016) and neither thought it was time to operate. I figure if someone who operates for a living doesn't think you need an operation yet, they're probably right.

Agreed. Lots of people (without medical degrees) told me not to go for the surgery without trying orthotics and other non-surgical avenues, but I went with the opinion of the guy who specializes in feet, thank you very much. (Incidentally, I had the same non-medical opinions about my debilitating gallstones. Maybe my social circle is afraid of surgery?)

If/when my right foot decides it's done behaving, I'll probably do the same as you--keep it tolerable until surgery is required. My left foot was not anything near tolerable.

Back on topic. Facepunch me: I ate McDonalds for dinner last night and breakfast this morning. My inner 8 year old demanded it.
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onehair

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Re: FacePunch Me
« Reply #708 on: August 28, 2017, 01:27:29 PM »
I went to see Wonder Woman yesterday with a friend and spent $24.  I didn't get any of the overpriced goodies at the concession stand.  I enjoyed the movie I hadn't seen one in the theater since The Hobbit Part One.  Please facepunch me..



Goldielocks

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Re: FacePunch Me
« Reply #709 on: August 29, 2017, 10:34:29 PM »
I went to see Wonder Woman yesterday with a friend and spent $24.  I didn't get any of the overpriced goodies at the concession stand.  I enjoyed the movie I hadn't seen one in the theater since The Hobbit Part One.  Please facepunch me..

Why?

Did you take out a payday loan to afford it or short your MIL her medication this week to make the dollar stretch?
Please tell us why $24 matters to you and why it is facepunch worthy.

4alpacas

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Re: FacePunch Me
« Reply #710 on: August 30, 2017, 09:21:46 AM »
We had food delivered last night.  And it was fantastic. 

talltexan

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Re: FacePunch Me
« Reply #711 on: August 31, 2017, 06:37:19 AM »
I was picking up a prescription and paid with a regular card. Got to home, and realized my HSA card was in my wallet the whole time. Could have saved $3.50 in taxes.

onehair

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Re: FacePunch Me
« Reply #712 on: August 31, 2017, 09:54:42 AM »
I just hadn't had a facepunch in so long I felt unloved without one. 



Rimu05

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Re: FacePunch Me
« Reply #713 on: September 02, 2017, 03:53:45 PM »
I went on vacation and just decided YOLO. I went to Busch Gardens from the moment it opened to the moment it closed, I paid for a snorkeling boat tour and I shelled out $275 for sky diving and I went cloth shopping (Okay, I actually needed the clothes, work pants, a cardigan and a button down shirt), but I also bought about $60 worth of makeup that I absolutely didn't need, not because I hoard makeup, but I rarely wear it!

To be fair, I did stay at a cheap ass air Bn'B for 5 days at $190, but get this, I had enough travel points to pay for this crap, I could have stayed at an even better place for free, but I did drive there as it was only 4 hours away and on my Honda fit that was $15 worth of gas.

Also, vacation messed up my cooking time and I haven't cooked in three weeks and I am ashamed at how much I have spent at starbucks.

Conclusion: Not one bit of regret. I did not realize how much I needed to just let go and not worry about anything. I enjoyed being by myself, letting my mind be at ease and just thinking about my future in the sweet company of myself. I also had a blast.

The starbucks part, I am ashamed. I normally buy a pound of coffee and just use my French press.

 


talltexan

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Re: FacePunch Me
« Reply #714 on: September 06, 2017, 01:14:22 PM »
Rimu05, it sounds like you're completely out of control. Let's meet at King's Island Theme park for a Mustachian intervention.

Astatine

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Re: FacePunch Me
« Reply #715 on: October 07, 2017, 06:27:41 PM »
I've been spending a little bit of real-life money on Pokemon GO. Pokemon is very near and dear to my heart (I met my husband through Pokemon), and spending a couple bucks to make sure we have ample opportunities to catch rare make-believe pixel monsters makes me genuinely happy (plus extra exercise and quality husband time). But I will accept face punches because I swore I'd never spend real money on a phone game.

Same. Technically it deserves a face punch, but playing Pokemon Go has kept me sane this year as well as got me into far more exercise than I would otherwise have done. (for eg I once accidentally put a 10k egg in the wrong incubator which pissed me off so I walked 10km in one day just to hatch it and free up the incubator for 2k eggs)

I've also become part of a local Pokemon Go community (there are about 500 of us all connected on FB Messenger) and that has been a lot of fun meeting randoms for legendary raids.

Edit: I was never into Pokemon before this but PoGo is excellent.

DarkandStormy

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Re: FacePunch Me
« Reply #716 on: October 10, 2017, 08:15:01 AM »
I was picking up a prescription and paid with a regular card. Got to home, and realized my HSA card was in my wallet the whole time. Could have saved $3.50 in taxes.

You can reimburse yourself...
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talltexan

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Re: FacePunch Me
« Reply #717 on: October 16, 2017, 12:52:00 PM »
No use complaining when all I have to do is find that receipt. Face punch accepted.

Meanwhile, the investment side of my HSA is *Killing it*. And I don't even have it invested aggressively. I'd have made more money if I'd put it in SP500 instead of Vanguard Wellington.

Laura33

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Re: FacePunch Me
« Reply #718 on: October 17, 2017, 07:56:38 AM »
I spent over $800 on two pair of custom orthotics. I saw an podiatrist to check out an issue with my achilles tendon. He pointed out that my left arch was collapsing and I was getting bunions on both feet, and recommended orthotics. I'd noticed the slight bulges at the joints of my big toes, but because they never hurt, I thought they were just part of the normal shape of my foot. Did some research on bunions and got scared. They can be quite debilitating, and the there's a long recovery time from bunion surgery. Researched orthotics, and decided to go for the custom jobs. My insurance doesn't cover them, so I footed the whole bill. I can certainly afford it, but after I got them and used them for awhile, I got a mad at myself. I think I could have bought generic foot beds and got the same result. But I let fear get the best of me, didn't want to mess around with foot problems, and figured that more money would mean a better result.

When I went for my follow-up with the podiatrist, I mentioned that the orthotics don't fit well in my work shoes, they take up too much room. He then tried to sell me a more generic set with thinner pads for my work shoes for $100. That really ticked me off!

FWIW:  the thing that has saved me is custom inserts from the running shoe store.  I have unusually high arches, and I had a whole series of foot and knee issues that got so bad I had to stop running.  Went to a podiatrist, who at least started me with the cheaper inserts.  At best, they were meh (e.g., the gel heel insert helped cushion the heel pain, but it didn't fix the achilles issue). 

Then someone told me I should try the running store.  The one near me does this whole workup where they look at your gait and take an impression of your foot, etc., so they can direct you to shoes that are designed for your particular body and issues.  But if the shoes themselves are not enough, they will sell you a custom insert: they take a firm orthotic, warm it up, and then conform it to your foot.  I was highly skeptical -- it's firm, not soft, so I didn't understand how that was going to help the pain in my foot that felt like it needed cushioning.  But wow -- I haven't had a foot or knee problem since (and it's been probably 6-7 years).

They are not cheap -- generally run about $80 for the pair -- but I now religiously put them in all of my shoes that I can fit them into.  Freaking miracle.
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onehair

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Re: FacePunch Me
« Reply #719 on: October 17, 2017, 08:23:28 AM »
As you all know I finally switched from Android to Apple.  I ordered it through eBay assumed I had set up monthly payments through PayPal Credit for $40 a month for about 10 months then settled down to enjoy the SE and catch up on my games while smirking over all the RAM and no need for SD cards.  But I forgot uncheck automatic payments under the options for paying PayPal Credit so imagine my surprise when I saw I had no balance because they were going to take it all out at once in the next week!  After mumbling and quivering a little since I had scheduled another bill to be paid which would have sent the checking into eternal overdrafts until the next payday which would have shorted me even more I decided to make a savings withdrawal to cover it.  On the upside I owe nothing on the phone now but I think I deserve a facepunch for not making sure payments didn't come all at once.  And yes the box has now been unchecked.



PMG

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Re: FacePunch Me
« Reply #720 on: October 17, 2017, 03:38:17 PM »
I made a stupid mistake with the dates of a flight and just called and changed the tickets to the correct date for a whopping $195 dollars.  fuuuuuuuuuugh.

Nothing to blame but myself. 

Was just gonna roll with it...  but it was too risky, visas and travel bans and language and hours gained and lost...

It's all good now. 

but, ouch.

and now I have to figure out how to actually get to a rural airport with little public transportation on a Monday when everyone I know is at work.

ouch.



onehair

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Re: FacePunch Me
« Reply #721 on: October 19, 2017, 09:33:53 AM »
After my initial mumbling I should be grateful to the folks here for constantly reading about the joys of emergency funds had I not had it I might have been in greater Dutch than I was.  At the end of the day it's just cash.
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Inaya

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Re: FacePunch Me
« Reply #722 on: October 20, 2017, 10:13:02 PM »
Just paid for a couple new shiny Pixel IIs for hubs and myself. They are going toward the spend on a 50k points offer, so at least they're not technically full price. I've never had a brand new, not-yet-obsolete, flagship phone before, and I'm totally stoked.
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DarkandStormy

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Re: FacePunch Me
« Reply #723 on: October 23, 2017, 08:04:21 AM »
Just paid for a couple new shiny Pixel IIs for hubs and myself. They are going toward the spend on a 50k points offer, so at least they're not technically full price. I've never had a brand new, not-yet-obsolete, flagship phone before, and I'm totally stoked.

You paid full price ($650) x 2??
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Inaya

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Re: FacePunch Me
« Reply #724 on: October 23, 2017, 10:08:01 AM »
Just paid for a couple new shiny Pixel IIs for hubs and myself. They are going toward the spend on a 50k points offer, so at least they're not technically full price. I've never had a brand new, not-yet-obsolete, flagship phone before, and I'm totally stoked.

You paid full price ($650) x 2??
Plus 6% sales tax. Free shipping though, so there's that. And a free Google Home Mini...but I haven't decided if I'll take advantage of that. IoT devices make me nervous.

...is there a way to not pay full price that doesn't involve waiting or selling my soul to a carrier?
« Last Edit: October 23, 2017, 10:11:07 AM by Inaya »
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DarkandStormy

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Re: FacePunch Me
« Reply #725 on: October 23, 2017, 12:09:39 PM »
Just paid for a couple new shiny Pixel IIs for hubs and myself. They are going toward the spend on a 50k points offer, so at least they're not technically full price. I've never had a brand new, not-yet-obsolete, flagship phone before, and I'm totally stoked.

You paid full price ($650) x 2??
Plus 6% sales tax. Free shipping though, so there's that. And a free Google Home Mini...but I haven't decided if I'll take advantage of that. IoT devices make me nervous.

...is there a way to not pay full price that doesn't involve waiting or selling my soul to a carrier?

Don't buy one of the most expensive phones on the market when it's brand new...?

Only other "hack" I know of is trading in your existing phone as part of Project Fi - https://fi.google.com/account?did=pixel2#buydevices (click "Trade in old phone" link and Google will give you an estimate of how much they'll pay you, which can then go towards buying a Pixel 2).
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https://www.referyourchasecard.com/18/ENYF0FTS66
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lexde

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Re: FacePunch Me
« Reply #726 on: October 23, 2017, 01:22:18 PM »
I bought a filofax personal organizer. Yep. A mini binder... for $34. I spent money on another "thing" that I "needed".

If I don't put it to the use I plan to, I will resell it on eBay for the same price. I'm hoping it will help me in several areas of my life, but the same thing could have been accomplished on my smartphone.

faithless

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Re: FacePunch Me
« Reply #727 on: October 23, 2017, 02:35:53 PM »
I bought a filofax personal organizer. Yep. A mini binder... for $34. I spent money on another "thing" that I "needed".

If I don't put it to the use I plan to, I will resell it on eBay for the same price. I'm hoping it will help me in several areas of my life, but the same thing could have been accomplished on my smartphone.

Meg, I prefer paper lists and notes over smartphones. I'm trying out bullet journalling for organisation - found a nicely sized lined hardback book reduced for ~1.50 in my local supermarket, and nabbed it, makes a great bullet journal.

The free note taking/events/To Do list/diary managed all in one page with 4 symbols and an index really appeals to me, as I'm always losing what I've written in the front/back/a different notebook. This seems very efficient.

Posted a link to the guy who designed it, in case this interests anyone else: http://bulletjournal.com

(Ignore all the fancy washi tape and coloured pen decorative versions online, unless you like that sort of thing, it's designed to be a very practical way to note stuff down and not lose it, you only need a pen and a pad, and you can start any time)

lexde

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Re: FacePunch Me
« Reply #728 on: October 23, 2017, 02:37:29 PM »
I bought a filofax personal organizer. Yep. A mini binder... for $34. I spent money on another "thing" that I "needed".

If I don't put it to the use I plan to, I will resell it on eBay for the same price. I'm hoping it will help me in several areas of my life, but the same thing could have been accomplished on my smartphone.

Meg, I prefer paper lists and notes over smartphones. I'm trying out bullet journalling for organisation - found a nicely sized lined hardback book reduced for ~£1.50 in my local supermarket, and nabbed it, makes a great bullet journal.

The free note taking/events/To Do list/diary managed all in one page with 4 symbols and an index really appeals to me, as I'm always losing what I've written in the front/back/a different notebook. This seems very efficient.

Posted a link to the guy who designed it, in case this interests anyone else: http://bulletjournal.com

(Ignore all the fancy washi tape and coloured pen decorative versions online, unless you like that sort of thing, it's designed to be a very practical way to note stuff down and not lose it, you only need a pen and a pad, and you can start any time)
Yep! I am going to try to use it for my non-work life and pair it with a few other systems. I hope it works, but I still need a face punch for letting myself fall for the "pretty" instead of practical.

mustachepungoeshere

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Re: FacePunch Me
« Reply #729 on: October 23, 2017, 09:35:09 PM »
I bought a filofax personal organizer. Yep. A mini binder... for $34. I spent money on another "thing" that I "needed".

If I don't put it to the use I plan to, I will resell it on eBay for the same price. I'm hoping it will help me in several areas of my life, but the same thing could have been accomplished on my smartphone.

Meg, I prefer paper lists and notes over smartphones. I'm trying out bullet journalling for organisation - found a nicely sized lined hardback book reduced for ~1.50 in my local supermarket, and nabbed it, makes a great bullet journal.

The free note taking/events/To Do list/diary managed all in one page with 4 symbols and an index really appeals to me, as I'm always losing what I've written in the front/back/a different notebook. This seems very efficient.

Posted a link to the guy who designed it, in case this interests anyone else: http://bulletjournal.com

(Ignore all the fancy washi tape and coloured pen decorative versions online, unless you like that sort of thing, it's designed to be a very practical way to note stuff down and not lose it, you only need a pen and a pad, and you can start any time)
Yep! I am going to try to use it for my non-work life and pair it with a few other systems. I hope it works, but I still need a face punch for letting myself fall for the "pretty" instead of practical.

I use a hardback week-to-an-opening A5 diary. Work commitments, birthdays, bills, husband's eleventy thousand flights, everything goes in the diary.

Some things also go in my phone calendar, but the diary is key. It comes to work every day and sits open on the desk next to me. I can see everything at a glance.

I a few stickers and stamps to jazz it up occasionally, but I long ago abandoned the idea of my diary being beautiful. It's a work horse.

MrsTuxedocat

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Re: FacePunch Me
« Reply #730 on: October 24, 2017, 12:41:03 AM »
Ugh, Costco impulse purchase of carrot juice. The worst part is that upon tasting it,  I don't actually like it. at. all.

Playing with Fire UK

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Re: FacePunch Me
« Reply #731 on: October 24, 2017, 03:33:29 AM »
Ugh, Costco impulse purchase of carrot juice. The worst part is that upon tasting it,  I don't actually like it. at. all.

They would take it back...

You should still be wildly ashamed of yourself. Did you shop when you were hungry? Without a homemade granola bar in your bag? For shame.

MrsTuxedocat

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Re: FacePunch Me
« Reply #732 on: October 26, 2017, 11:21:05 PM »
I am, I am! It was a weak moment. I live too far to Costco and will see if I can give the remaining 2 bottles to my neighbours.

Dollar Slice

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Re: FacePunch Me
« Reply #733 on: October 26, 2017, 11:41:13 PM »
Ugh, Costco impulse purchase of carrot juice. The worst part is that upon tasting it,  I don't actually like it. at. all.

I dated someone a long time ago who liked carrot juice mixed with orange juice. If you happen to have some OJ, maybe you could give it a shot and see if you can rescue it.

Unless you hate it so much that this would then be a waste of carrot juice AND orange juice. :-)

My FP today: I took myself out to dinner, which I'm OK with ($12 plus tax/tip for food which was healthy, fresh, delicious and worth it). The facepunch part is ordering a cocktail to go with it, which I didn't really want and didn't even finish (it was very good, I just didn't want to drink a whole cocktail), and it cost $10. I would have been happy with ice water, but I was sitting at the bar to eat and I felt lame not ordering a drink when everyone else there was drinking and enjoying themselves. Stupid... :-(
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Just Joe

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Re: FacePunch Me
« Reply #734 on: October 27, 2017, 11:14:06 AM »
Go to AllReceipes (or some website similar) and look at the carrot juice recipes. I saw a carrot cake among them in my 10 second search.

jinga nation

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Re: FacePunch Me
« Reply #735 on: November 07, 2017, 03:14:05 PM »
Someone Facepunch me.
Changed employers.
Went from working at customer site, with excellent Vanguard 401K to working from home, with American Funds 401k (eeyuck). 10% raise, but WTF was I thinking. Lowest ER is 1.27%... Holeefuckaroni.

On the bright side, I asked HR if I could save the company money by looking at alternatives (Vanguard, Fidelity, Schwab). They said yes. So it's on my to-do list for Christmas.
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Dicey

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Re: FacePunch Me
« Reply #736 on: November 07, 2017, 04:10:01 PM »
Someone Facepunch me.
Changed employers.
Went from working at customer site, with excellent Vanguard 401K to working from home, with American Funds 401k (eeyuck). 10% raise, but WTF was I thinking. Lowest ER is 1.27%... Holeefuckaroni.

On the bright side, I asked HR if I could save the company money by looking at alternatives (Vanguard, Fidelity, Schwab). They said yes. So it's on my to-do list for Christmas.
Are you kidding? If you can get your employer to switch, and improve the financial lives of everyone in the company,  you're my new hero. No Facepunches for you, buckaroo!
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lexde

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Re: FacePunch Me
« Reply #737 on: November 07, 2017, 06:06:29 PM »
Someone Facepunch me.
Changed employers.
Went from working at customer site, with excellent Vanguard 401K to working from home, with American Funds 401k (eeyuck). 10% raise, but WTF was I thinking. Lowest ER is 1.27%... Holeefuckaroni.

On the bright side, I asked HR if I could save the company money by looking at alternatives (Vanguard, Fidelity, Schwab). They said yes. So it's on my to-do list for Christmas.
At least your employer is letting you look at options. How do you compare them to make a case to your employer? I’d love to do that as I’m stuck with American funds now too

jinga nation

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Re: FacePunch Me
« Reply #738 on: November 07, 2017, 06:23:24 PM »
Someone Facepunch me.
Changed employers.
Went from working at customer site, with excellent Vanguard 401K to working from home, with American Funds 401k (eeyuck). 10% raise, but WTF was I thinking. Lowest ER is 1.27%... Holeefuckaroni.

On the bright side, I asked HR if I could save the company money by looking at alternatives (Vanguard, Fidelity, Schwab). They said yes. So it's on my to-do list for Christmas.
At least your employer is letting you look at options. How do you compare them to make a case to your employer? Id love to do that as Im stuck with American funds now too

There are some Bogleheads who've managed to do this. I'll take my cues from them and create plots at portfolio visualizer. The hardest part IMHO will be working with fund managers as we're a small company of 70 employees.
Signature worthless. I'm worth more dead than alive. Wife and kids will collect. Or Uncle Sam will, you can rely on Him.

Inaya

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Re: FacePunch Me
« Reply #739 on: November 14, 2017, 08:07:53 AM »
Ugh. Just punch me. Multiple times. I shelled out an insane amount of money for Invisalign yesterday. 100% cosmetic. Basically the dental equivalent of a boob job or a facelift. Buyer's remorse is hitting me hard today. I'm supposed to not be spending money because this has been a ridiculously spendy year, and here I am spending money on cosmetics. What the hell came over me?

The only plus is, I was able to finish the spend on a churn. So there's that?
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ACyclist

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Re: FacePunch Me
« Reply #740 on: November 16, 2017, 12:03:05 PM »
Went grocery shopping last night. Now, this if after we already spent a bit too much than was truly necessary. Despite all the good replies and suggestions, we did the same stupid shit.

Total spent $57

We got about 5 bags of groceries, mostly produce.  We had about 15% of the gallon left, purchased last Friday.  I went to buy 2%, but they were out of the cheaper brand.  I bought the 2% that was over $1 more per gallon, instead of choosing another percentage like whole, or nonfat. 

Biggest red marks
  • My husband put a pineapple in the cart.  $2.50 each
    I put a pomegranate in the cart. $2.50 each
    Organic apples.  4 of them.  I think they are over $1 a piece
    Organic salsa (Big container) $over $6

I analyzed the receipt, upon our return home.  I couldn't figure out what one $6 purchase was.  We  figure out what it was.  My husband say's "That's the brand my honey likes."  He is right.  I really prefer the taste of this particular salsa.  Also, we figured out that my choice of 2%, was the most expensive option.  I admit that, I didn't even verify the price was higher.  I just went into auto pilot and bought it.  :/

A couple areas we won with:

  • Yeast was on sale and had a coupon for .50 off each  - We were out of yeast.
    meat was on sale - got a pork roast for a really good price.  Will cook that this weekend.
 

It was the 15th yesterday.  We are on par to spend almost the same amount as last month, is we don't alternate our habits and get more serious about the food shopping.

marielle

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Re: FacePunch Me
« Reply #741 on: November 16, 2017, 01:09:43 PM »
Went grocery shopping last night. Now, this if after we already spent a bit too much than was truly necessary. Despite all the good replies and suggestions, we did the same stupid shit.

Total spent $57

We got about 5 bags of groceries, mostly produce.  We had about 15% of the gallon left, purchased last Friday.  I went to buy 2%, but they were out of the cheaper brand.  I bought the 2% that was over $1 more per gallon, instead of choosing another percentage like whole, or nonfat. 

Biggest red marks
  • My husband put a pineapple in the cart.  $2.50 each
    I put a pomegranate in the cart. $2.50 each
    Organic apples.  4 of them.  I think they are over $1 a piece
    Organic salsa (Big container) $over $6

I analyzed the receipt, upon our return home.  I couldn't figure out what one $6 purchase was.  We  figure out what it was.  My husband say's "That's the brand my honey likes."  He is right.  I really prefer the taste of this particular salsa.  Also, we figured out that my choice of 2%, was the most expensive option.  I admit that, I didn't even verify the price was higher.  I just went into auto pilot and bought it.  :/

A couple areas we won with:

  • Yeast was on sale and had a coupon for .50 off each  - We were out of yeast.
    meat was on sale - got a pork roast for a really good price.  Will cook that this weekend.
 

It was the 15th yesterday.  We are on par to spend almost the same amount as last month, is we don't alternate our habits and get more serious about the food shopping.

Realizing what your big spenders are is a big part of it! I definitely agree with all of your red marks. $6 for salsa, wow! A Lidl just opened in my area and they have a 24oz jar of salsa for $0.99. Not even joking. I don't think it's organic though.

Dicey

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Re: FacePunch Me
« Reply #742 on: November 17, 2017, 11:09:14 AM »
Ugh. Just punch me. Multiple times. I shelled out an insane amount of money for Invisalign yesterday. 100% cosmetic. Basically the dental equivalent of a boob job or a facelift. Buyer's remorse is hitting me hard today. I'm supposed to not be spending money because this has been a ridiculously spendy year, and here I am spending money on cosmetics. What the hell came over me?

The only plus is, I was able to finish the spend on a churn. So there's that?
I call total BS and summarily deny your facepunch request. Boob jobs and facelifts are temporary. Good teeth are significantly longer lasting and far more vital to your continued good health. Better alignment = better oral care = improved longevity. Pretty impressive.

Now, should you be lackadaisical and less than 100% vigilant during the correction process, thus squandering your investment, you should be afraid, very afraid of the facepunching consequences.
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Miss Piggy

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Re: FacePunch Me
« Reply #743 on: November 17, 2017, 11:49:58 AM »
Ugh. Just punch me. Multiple times. I shelled out an insane amount of money for Invisalign yesterday. 100% cosmetic. Basically the dental equivalent of a boob job or a facelift. Buyer's remorse is hitting me hard today. I'm supposed to not be spending money because this has been a ridiculously spendy year, and here I am spending money on cosmetics. What the hell came over me?

The only plus is, I was able to finish the spend on a churn. So there's that?
I call total BS and summarily deny your facepunch request. Boob jobs and facelifts are temporary. Good teeth are significantly longer lasting and far more vital to your continued good health. Better alignment = better oral care = improved longevity. Pretty impressive.

Now, should you be lackadaisical and less than 100% vigilant during the correction process, thus squandering your investment, you should be afraid, very afraid of the facepunching consequences.

I have to agree with the face punch denial here. Straight, healthy teeth will change your life in ways that money cannot.

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Re: FacePunch Me
« Reply #744 on: November 17, 2017, 01:26:12 PM »
Ugh. Just punch me. Multiple times. I shelled out an insane amount of money for Invisalign yesterday. 100% cosmetic. Basically the dental equivalent of a boob job or a facelift. Buyer's remorse is hitting me hard today. I'm supposed to not be spending money because this has been a ridiculously spendy year, and here I am spending money on cosmetics. What the hell came over me?

The only plus is, I was able to finish the spend on a churn. So there's that?
I call total BS and summarily deny your facepunch request. Boob jobs and facelifts are temporary. Good teeth are significantly longer lasting and far more vital to your continued good health. Better alignment = better oral care = improved longevity. Pretty impressive.

Now, should you be lackadaisical and less than 100% vigilant during the correction process, thus squandering your investment, you should be afraid, very afraid of the facepunching consequences.

Especially with expensive teeth; a good facepunch can rattle those.
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meghan88

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Re: FacePunch Me
« Reply #745 on: November 17, 2017, 05:04:15 PM »
Ugh. Just punch me. Multiple times. I shelled out an insane amount of money for Invisalign yesterday. 100% cosmetic. Basically the dental equivalent of a boob job or a facelift. Buyer's remorse is hitting me hard today. I'm supposed to not be spending money because this has been a ridiculously spendy year, and here I am spending money on cosmetics. What the hell came over me?

The only plus is, I was able to finish the spend on a churn. So there's that?
I call total BS and summarily deny your facepunch request. Boob jobs and facelifts are temporary. Good teeth are significantly longer lasting and far more vital to your continued good health. Better alignment = better oral care = improved longevity. Pretty impressive.

Now, should you be lackadaisical and less than 100% vigilant during the correction process, thus squandering your investment, you should be afraid, very afraid of the facepunching consequences.

Especially with expensive teeth; a good facepunch can rattle those.

Hah!  Chiming in here to say that this is for your health.  So, no FP, and I hope you feel a lot better about it.

talltexan

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Re: FacePunch Me
« Reply #746 on: November 22, 2017, 11:34:31 AM »
I like looking at boobs and faces. Should I be paying for other people's surgery to correct those areas?

Dicey

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Re: FacePunch Me
« Reply #747 on: November 22, 2017, 12:37:51 PM »
I like looking at boobs and faces. Should I be paying for other people's surgery to correct those areas?
Ha! One of my nephew's teeth are a mess. I have to force myself to myob every time I see him. I'd like to slug his parents for ignoring this obvious problem that could have been more easily addressed as he was growing up. Sis had extensive, much needed and brilliantly successful orthodontics, so why she didn't take care of her kid's teeth is beyond me. Their income and available resources are not the issue.
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Cookie78

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Re: FacePunch Me
« Reply #748 on: November 27, 2017, 09:22:42 AM »
My mom's kettle has an annoying loud whistle. This morning I put it on the stove and left the whistle up so it wouldn't annoy me. Forgot all about it. The water boiled away and the handle melted completely off the pot. Now I have to go buy my mom a new kettle! lol

faithless

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Re: FacePunch Me
« Reply #749 on: November 28, 2017, 12:36:24 AM »
As a Brit, I find it weird you guys don't use electric kettles.