Author Topic: Overheard at Work  (Read 8601521 times)

BDWW

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Re: Overheard at Work
« Reply #16500 on: January 19, 2017, 04:21:25 PM »
Here's the big difference, and the reason why people good at business finance aren't necessarily good at personal finance.

Business finance is mainly a science - classifying, experimenting, observing. It's an engineering problem, like solving a puzzle. But it doesn't affect the person doing it.

Personal finance is mainly about behavior modification. Everything I do in personal finance requires me to change something that matters to me. It's the same reason people have a hard time dieting or quitting smoking.

Excellent observation!

I can finally contribute to this thread!  I have a new co-worker that I thought was a closet-mustachian (based on the beater car he drives and the 1-bedroom apt he lives in) and was hoping to finally have someone to talk to about mustachian principles, even if we didn't call it that.  He's single and probably in his late 40's/early 50's.  I was about 99% sure that he is FI and just working to prevent boredom.  Well, he just announced that he bought a brand new car AND a 3200sqft house for just under $400k!  :o  He may still be FI, but certainly isn't mustachian. :/

I wonder how many weight loss coaches are fat.  I'm sure some are, if they are famous.  I'm imagining like a boxing coach though.  You can certainly provide information and motivation without applying the principles to yourself

I've always thought it a bit ironic when I saw Sigi Schmid on the sidelines at sounders games. By all accounts a great coach, but more than a bit overweight. Coaching soccer players, who are among the most in shape of all athletes.

FrugalFisherman10

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Re: Overheard at Work
« Reply #16501 on: January 19, 2017, 08:19:37 PM »

Is it possible that an iPad or tablet is available from work? Per the original conversation it appears that the employee is assuming that FrugalFisherman10 also has an iPad. I know that I wouldn't assume that everyone within the office has one or would even ask specifically about an iPad unless I was fairly certain that it was commonplace.

I guess I was also projecting my own assumptions. Lots of people at my office work remotely on their Ipads, but our company doesn't issue them.  Because the Ipad is so commonplace it is not at all uncommon to ask someone specifically about an issue with them.  We use PCs at work though, and everyone has a laptop to take home. But not everyone likes using those and prefer their own device. As long as it is registered and has the security app on it, we can use them.  (The vast majority of people use Iphones as their BYOD, but you certainly don't have to. As long as your phone is running the version of the software required by security, you can use anything.  I've had many people ask me Iphone questions, which I can sometimes answer, but I just have a cheap Android. When I had to upgrade due to my operating system out of date the phones they suggested were all in the $500-$600 range; but I found one for $50.)
The iPad is not work-issued.
This guy has proven to be fairly aloof in other regards too...he's new to having us as a client, and I'm new to the company as well, so I feel for him a bit in terms of not knowing how things work, culture, who to talk to, etc.
Sucks for him too because my coworker on the first day this new consultant shows up says under his breath to the rest of us "man, Piss on those consultant guys! Ugh! lousy!"
Being a former consultant myself,  I had never actually seen/heard this mentality towards us (although I was certain it existed somewhere/sometimes). So the dude is fighting an uphill battle from the get go.

On Fridays, someone brings in breakfast for members of the "breakfast club" list. (You get to eat some only if you're on the list.)
So then the coworker that said he didn't like consultants breakfast day comes around, and he brings in donuts. About an hour into the morning I hear the consultant walk behind us, grab a donut and say "oh man, you guys have donuts on Fridays?!"

 ...
Smh

(SENT from my FREAKING smartphone man I'm a hypocrite look at me spending all this money I watch it go down the drain as I piss away just like my COWORKER PISSES ON CONSULTANTS)

Sent from my SM-G900V using Tapatalk

Edited to add: Apologies iowajes..I quoted the above response wrong, but I realize you were the one defending me, not attacking me. Thanks
« Last Edit: January 19, 2017, 08:34:36 PM by FrugalFisherman10 »

Maverick44

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Re: Overheard at Work
« Reply #16502 on: January 20, 2017, 09:40:56 AM »
Had a coworker tell me about her new truck that she had to have. There are so many bad decisions involved in this story, it was hard to hear. Here's the quick gist over several days of stories that I was told:
   - She knowingly bought a used truck with $6,000+ negative equity in it.
   - When it was in the shop for work, Dodge gave her a 2017 decked out truck for her loaner. She fell for that trick and decided she NEEDED a brand new decked out truck.
   - Goes to the dealer and negotiates them from $50,000 to a 3 year lease for $450/month and then buying the car through financing for $22,000 after the lease is up.
   - Proudly reiterated the salesman saying "You're in a used truck for $350/month when you could be in a new truck for $450/month!"
   - She does absolutely 0 hauling or outdoor work of any kind, but mentioned that she feels safe now in her big, comfortable, luxurious truck (read: giant, gas guzzling, expensive clown mobile).
   - She traded in the old truck to get this deal, which the plus side is that they ate the negative equity, but she thinks that she got a $50K truck for $38K when she really got a $50K truck for $38K + the $11K that the trade in was worth + the interest...

*face palm*

slugline

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Re: Overheard at Work
« Reply #16503 on: January 20, 2017, 09:53:06 AM »
   - She knowingly bought a used truck with $6,000+ negative equity in it.

Is this another way of saying she paid $6000+ more than similar trucks being offered for sale? Because I didn't think someone would literally assume someone else's upside-down loan.

boarder42

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Re: Overheard at Work
« Reply #16504 on: January 20, 2017, 09:55:22 AM »
Had a coworker tell me about her new truck that she had to have. There are so many bad decisions involved in this story, it was hard to hear. Here's the quick gist over several days of stories that I was told:
   - She knowingly bought a used truck with $6,000+ negative equity in it.
   - When it was in the shop for work, Dodge gave her a 2017 decked out truck for her loaner. She fell for that trick and decided she NEEDED a brand new decked out truck.
   - Goes to the dealer and negotiates them from $50,000 to a 3 year lease for $450/month and then buying the car through financing for $22,000 after the lease is up.
   - Proudly reiterated the salesman saying "You're in a used truck for $350/month when you could be in a new truck for $450/month!"
   - She does absolutely 0 hauling or outdoor work of any kind, but mentioned that she feels safe now in her big, comfortable, luxurious truck (read: giant, gas guzzling, expensive clown mobile).
   - She traded in the old truck to get this deal, which the plus side is that they ate the negative equity, but she thinks that she got a $50K truck for $38K when she really got a $50K truck for $38K + the $11K that the trade in was worth + the interest...

*face palm*

plus if you consider the 450 per month lease you're looking at a total of 49200. 

Just Joe

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Re: Overheard at Work
« Reply #16505 on: January 20, 2017, 10:04:58 AM »
I bet the salesman got a free lunch courtesy of the sales manager for that one.

Maverick44

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Re: Overheard at Work
« Reply #16506 on: January 20, 2017, 10:20:24 AM »
I also forgot to mention that the used truck she bought was purchased in MAY OF 2016. Aka 8 months ago.

JAYSLOL

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Re: Overheard at Work
« Reply #16507 on: January 20, 2017, 10:24:17 AM »
I bet the salesman got a free lunch courtesy of the sales manager for that one.

More like a $250 gift card for _insert local expensive restaurant here_ + his regular commission

Depends heavily on the car dealer, but some places the incentives are crazy like all inclusive trips, $10k volume bonuses after reaching certain targets etc.  And then there's the other side of the incentives, if you are the lowest performing salesperson that month, you get shit canned.   

sneeds

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Re: Overheard at Work
« Reply #16508 on: January 20, 2017, 12:08:22 PM »
My husband came home from work last night with the following story about one of his coworkers:

His coworker has 4 young children and recently set up a Go Fund Me page asking for a goal of $34,000 in donations to pay for his children's future braces and orthodontics needs.

Now mind you, the children are all young at this point and the guy doesn't even know if they will all need braces, but he said he's "planning ahead."

That's right... He's "planning ahead" for the future expense by asking other people to start donating to this "cause" now. He potentially has years to save up for this expense if he really thinks his kids are all going to need braces, but no... he's asking for donations.

Most importantly, my husband and his coworkers all have good careers and make a comfortable income. There's no reason why this guy should not be able to pay for his own kids' braces.

My husband checked out the guy's Go Fund Me page out of curiosity. Currently he has received $0 towards his $34,000 goal.

tarheeldan

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Re: Overheard at Work
« Reply #16509 on: January 20, 2017, 12:18:51 PM »
That's right... He's "planning ahead" for the future expense by asking other people to start donating to this "cause" now.

Man. I don't know how it became socially acceptable to beg publicly like that. I think there was a thread about gofundme's here somewhere and someone pointed to one where people were asking for money in order to get cookware!


gimp

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Re: Overheard at Work
« Reply #16510 on: January 20, 2017, 12:51:29 PM »
Does GoFundMe allow donations of $0.01?

cheapass

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Re: Overheard at Work
« Reply #16511 on: January 20, 2017, 01:13:52 PM »
My husband came home from work last night with the following story about one of his coworkers:

His coworker has 4 young children and recently set up a Go Fund Me page asking for a goal of $34,000 in donations to pay for his children's future braces and orthodontics needs.

Now mind you, the children are all young at this point and the guy doesn't even know if they will all need braces, but he said he's "planning ahead."

That's right... He's "planning ahead" for the future expense by asking other people to start donating to this "cause" now. He potentially has years to save up for this expense if he really thinks his kids are all going to need braces, but no... he's asking for donations.

Most importantly, my husband and his coworkers all have good careers and make a comfortable income. There's no reason why this guy should not be able to pay for his own kids' braces.

My husband checked out the guy's Go Fund Me page out of curiosity. Currently he has received $0 towards his $34,000 goal.

This is so fucked up. Maybe it's a cultural thing (entitlement, etc.) but I would be selling everything I own, moving into a smaller house, stop eating at restaurants, stop spending money altogether before I'd even consider begging people for donations.

Something tells me this gentleman and his family aren't cutting out frivolous spending... so if someone were to donate to his GoFundMe, they would actually be financing the useless spending that SHOULD be paying for his own kids' damn braces.

CindyBS

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Re: Overheard at Work
« Reply #16512 on: January 20, 2017, 02:46:10 PM »
This is so fucked up. Maybe it's a cultural thing (entitlement, etc.) but I would be selling everything I own, moving into a smaller house, stop eating at restaurants, stop spending money altogether before I'd even consider begging people for donations.

My kid has cancer, and I still totally agree with you.  I do however, graciously accept the money (usually a $25 gas or grocery gift card) that people send us but I have never asked anyone for money.  My son's school did a fundraiser for us - I said ok but it was their idea.  I still made sure a big chunk of it went to a childhood cancer charity.  My parents have offered money if we really need it, and I think we would have to be pretty desperate to even ask them. 

I'm a red panda

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Re: Overheard at Work
« Reply #16513 on: January 20, 2017, 03:35:44 PM »
Cancer and braces are not remotely comparable. It's good you are taking help offered: people want to show they care, but it is hard to know how.
I hope your son has a full recovery.

Dezrah

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Re: Overheard at Work
« Reply #16514 on: January 20, 2017, 04:29:21 PM »
Cancer and braces are not remotely comparable. It's good you are taking help offered: people want to show they care, but it is hard to know how.
I hope your son has a full recovery.

Cindy is the zombie apocalypse mom.  http://forum.mrmoneymustache.com/share-your-badassity/my-life-fell-apart-this-year-and-i-still-increased-my-net-worth/

LeRainDrop

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Re: Overheard at Work
« Reply #16515 on: January 20, 2017, 10:47:37 PM »
I got lunch this week with an attorney friend who still works at the law firm I left last year.  Her assistant was telling her about this awesome sports camp that her teenage daughter had been invited to participate in in a distant large city, but that it was going to cost $5,000, so she was going to start a GoFundMe to pay for it.  The daughter is old enough to work but does not work.  The assistant sent the link for the GoFundMe to all the attorneys in her practice group, basically asking all her bosses to donate money to pay for her kid's camp.  Let alone the fact that this particular assistant is one of the best paid in the office and gets the highest bonuses each year (because she truly does an excellent job).  So then, after the lunch, I went up to the office to visit my former co-workers, including this assistant, and she was telling me about the camp, too.  Turns out that her daughter did this camp last year, but wants to do it again, so why not ask for the money?  Um, okay.  Seems so inappropriate to me to send a GoFundMe request to your co-workers, especially for something that's clearly a want.
« Last Edit: January 20, 2017, 11:41:55 PM by LeRainDrop »

JAYSLOL

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Re: Overheard at Work
« Reply #16516 on: January 20, 2017, 11:04:30 PM »
Ugh.  F@#k all this GoFundMe stuff, I can't believe people straight up ask for handouts like that for things that people should be saving for or don't need at all.  I know sometimes that site is useful for people in real need, but damn there are so many other people that just have no shame. 

Torran

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Re: Overheard at Work
« Reply #16517 on: January 23, 2017, 06:50:01 AM »
Sure I posted about this before, when the situation was in the early stages ... but anyway, a woman I work with (I think she's early twenties) inherited money (£11,000 approx) and decided to use it as a deposit on a flat. She has updated me on the following events:

1. The first thing she did was get a fancy car (financed, obviously).
2. The bank wouldn't give her a mortgage, partly because of her debts (car loan + other stuff she didn't mention in detail).
3. So she got another job on top of her full time job, to bump up her wage.
4. But the bank then said that since this extra job wasn't a permanent contract thing, it didn't count.
5. Enraged by all of this, she cheered herself up by going on a £4000 spending spree with some of that deposit money.

I was feeling kind of bad for her, because it sucks when you think you're doing the right things and the bank keeps saying no. Until she got to the £4000 spending spree update. I asked what she bought and she said 'handbags'. So I just mashed my face into my desk.

Carlin

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Re: Overheard at Work
« Reply #16518 on: January 23, 2017, 07:06:19 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Jakejake

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Re: Overheard at Work
« Reply #16519 on: January 23, 2017, 07:07:36 AM »
I was feeling kind of bad for her, because it sucks when you think you're doing the right things and the bank keeps saying no. Until she got to the £4000 spending spree update. I asked what she bought and she said 'handbags'. So I just mashed my face into my desk.
Well - she showed them!

(You know you get bonus points if you can convince her to start a gofundme to pay for the purses, right?)

marielle

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Re: Overheard at Work
« Reply #16520 on: January 23, 2017, 07:29:51 AM »
A 20 year old at work makes $13/hr. He bought a used z71 pickup with 80k miles (I think) and is still going to end up paying over $35k for it.

I think his payment and insurance is $400+ a month, I don't remember the exact numbers.

GuitarStv

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Re: Overheard at Work
« Reply #16521 on: January 23, 2017, 08:39:44 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Ask your co-worker if he or she would be prouder to display 'Bad Value' peanut butter.

Kitsune

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Re: Overheard at Work
« Reply #16522 on: January 23, 2017, 09:08:52 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Ask your co-worker if he or she would be prouder to display 'Bad Value' peanut butter.

And on a similar note, depending on the crowd you're in, homemade peanut butter is either wonderful and healthy and etc, or something to be embarassed of having because really you should just buy it. There's no winning if you play the game.

(We're mustachians. Fuck the game.)

With This Herring

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Re: Overheard at Work
« Reply #16523 on: January 23, 2017, 09:15:17 AM »
Sure I posted about this before, when the situation was in the early stages ... but anyway, a woman I work with (I think she's early twenties) inherited money (£11,000 approx) and decided to use it as a deposit on a flat. She has updated me on the following events:

1. The first thing she did was get a fancy car (financed, obviously).
2. The bank wouldn't give her a mortgage, partly because of her debts (car loan + other stuff she didn't mention in detail).
3. So she got another job on top of her full time job, to bump up her wage.
4. But the bank then said that since this extra job wasn't a permanent contract thing, it didn't count.
5. Enraged by all of this, she cheered herself up by going on a £4000 spending spree with some of that deposit money.

I was feeling kind of bad for her, because it sucks when you think you're doing the right things and the bank keeps saying no. Until she got to the £4000 spending spree update. I asked what she bought and she said 'handbags'. So I just mashed my face into my desk.

Wow.  Every step she took was wrong.  That's impressive/depressing.

Can she still return the handbags?  Or sell them?  Return the car?
  • Don't take on any new debt if you want to buy a flat.  Stick with the car you have/public transport.
  • Cut expenses and don't buy useless things like purses.
  • Get a part-time job on top of your full-time job to pay off your other debts (not to bump your wage).
  • After paying off your other debts, continue working part-time job to save more money if the bank won't give you a mortgage now.

Carlin

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Re: Overheard at Work
« Reply #16524 on: January 23, 2017, 10:14:34 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Ask your co-worker if he or she would be prouder to display 'Bad Value' peanut butter.
Great comeback! I actually told her I'd be more embarrassed if I paid extra money just for a name on a jar.  She kind of furrowed her eyebrows and walked away. 

MgoSam

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Re: Overheard at Work
« Reply #16525 on: January 23, 2017, 10:23:00 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Ask your co-worker if he or she would be prouder to display 'Bad Value' peanut butter.
Great comeback! I actually told her I'd be more embarrassed if I paid extra money just for a name on a jar.  She kind of furrowed her eyebrows and walked away.

You could offer to find her the label of a fancy-pants PB brand so she can tape it over her PB?

I love PB, thankfully the Aldi's and Kirkland brands are excellent a great price (Kirkland comes to $2.7/lb for organic).

Carlin

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Re: Overheard at Work
« Reply #16526 on: January 23, 2017, 10:25:34 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Ask your co-worker if he or she would be prouder to display 'Bad Value' peanut butter.
Great comeback! I actually told her I'd be more embarrassed if I paid extra money just for a name on a jar.  She kind of furrowed her eyebrows and walked away.

You could offer to find her the label of a fancy-pants PB brand so she can tape it over her PB?

I love PB, thankfully the Aldi's and Kirkland brands are excellent a great price (Kirkland comes to $2.7/lb for organic).
I currently have a jar of Kroger Natural Crunchy sitting on my desk along side some apples.  I really should get better about keeping tabs on how much some of my food costs, because I don't know! All I know is that I have a $300/mo grocery budget, and I remain inside it. 

Malum Prohibitum

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Re: Overheard at Work
« Reply #16527 on: January 23, 2017, 10:28:08 AM »
And on a similar note, depending on the crowd you're in, homemade peanut butter is either wonderful and healthy and etc, or something to be embarassed of having because really you should just buy it. There's no winning if you play the game.

(We're mustachians. Fuck the game.)
  I had never considered home made.  Your post made me Google it.  Apparently, it is a lot easier to make than I thought.

MgoSam

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Re: Overheard at Work
« Reply #16528 on: January 23, 2017, 10:32:34 AM »
Friday at lunch:

Me: Did you want to go eat lunch with me?
CW: No, I'm just going to stay at my desk today, because I was in a rush this morning and just grabbed a jar of peanut butter and jelly and some bread to make a sandwich. 
Me: Oh okay....well, I pack my lunch too.
CW: I don't want anyone to see that I have Great Value Peanut Butter and Jelly. 

Do we really live in a world where someone has to be embarrassed that they have off brand peanut butter?!?!

Ask your co-worker if he or she would be prouder to display 'Bad Value' peanut butter.
Great comeback! I actually told her I'd be more embarrassed if I paid extra money just for a name on a jar.  She kind of furrowed her eyebrows and walked away.

You could offer to find her the label of a fancy-pants PB brand so she can tape it over her PB?

I love PB, thankfully the Aldi's and Kirkland brands are excellent a great price (Kirkland comes to $2.7/lb for organic).
I currently have a jar of Kroger Natural Crunchy sitting on my desk along side some apples.  I really should get better about keeping tabs on how much some of my food costs, because I don't know! All I know is that I have a $300/mo grocery budget, and I remain inside it.

YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

RWD

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Re: Overheard at Work
« Reply #16529 on: January 23, 2017, 10:38:32 AM »
And on a similar note, depending on the crowd you're in, homemade peanut butter is either wonderful and healthy and etc, or something to be embarassed of having because really you should just buy it. There's no winning if you play the game.

(We're mustachians. Fuck the game.)
I had never considered home made.  Your post made me Google it.  Apparently, it is a lot easier to make than I thought.
We make our own peanut butter. We just throw a bunch of peanuts in our food processor for a few minutes and out comes perfect peanut butter.

nobody123

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Re: Overheard at Work
« Reply #16530 on: January 23, 2017, 10:39:16 AM »
I literally have had consultants (that I hire / fire) laugh at me when they see me make a sandwich in my office.  They get a per diem when on-site, so I see why it wouldn't be a big deal for them to eat at a restaurant every day and more convienent than shopping for groceries in a strange town.  I wanted to ask if they ate at a restaurant for lunch the days they work from home, but I didn't feel like getting into it with them at the time.

If someone is going to look down on you for the brand of peanut butter you're using for your sandwich, they are probably looking down on you for packing anyway.  In either case, who cares what they think?

Kitsune

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Re: Overheard at Work
« Reply #16531 on: January 23, 2017, 12:03:13 PM »
And on a similar note, depending on the crowd you're in, homemade peanut butter is either wonderful and healthy and etc, or something to be embarassed of having because really you should just buy it. There's no winning if you play the game.

(We're mustachians. Fuck the game.)
I had never considered home made.  Your post made me Google it.  Apparently, it is a lot easier to make than I thought.
We make our own peanut butter. We just throw a bunch of peanuts in our food processor for a few minutes and out comes perfect peanut butter.

Basically that easy. A bit of salt improves flavor. ;)

My kid likes eating it by the spoonful, and I'm not a fan of the quantity of sugar in most commercial stuff if she's going to be downing a few spoonfuls of the stuff for breakfast, so... bulk peanuts bought on sale + a few minutes of running the food processor or blender while I do dishes every 2-3 weeks, and it's a pretty affordable solution.

And then you get people who look down on me for being 'one of THOSE moms who makes everything by hand and organic and you must be crazy and not have a life', AND you get people who look up to me for the exact same reasons, and I'm like... yo, it's cheap, it's easy, it's tasty, I'm not playing this game.

I also fed my daughter organic homemade baby purées... because the organic pears from the farmer's market were 1/3 the cost of the grocery store pears, and SIGNIFICANTLY cheaper than buying ready-made purées, and it took a half-hour to make all the pear purée she ate for 8 months (60lbs of pears. That kid loved pears. Baby purée = 'take food, stick in blender'. Or, if it's hard, like carrots: simmer until soft, stick in blender. C'mon, now. You don't need a recipe or a commercial kitchen). Same judgements, from both directions. There's never a win.

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Re: Overheard at Work
« Reply #16532 on: January 23, 2017, 12:08:32 PM »
YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

Aldi sells blue dish soap that is copying Dawn.  I can't remember the price.

MgoSam

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Re: Overheard at Work
« Reply #16533 on: January 23, 2017, 12:22:59 PM »
YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

Aldi sells blue dish soap that is copying Dawn.  I can't remember the price.

How does the quality compare?

I bought Dawn at Aldi's and it was $3 for a 28 ounce thing (I believe that's the size). Prior to this I went through a few dollar store soaps that are nearly all water. I'm happy to buy a knock-off if it does as good a job as Dawn's.

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Re: Overheard at Work
« Reply #16534 on: January 23, 2017, 12:51:19 PM »
Sure I posted about this before, when the situation was in the early stages ... but anyway, a woman I work with (I think she's early twenties) inherited money (£11,000 approx) and decided to use it as a deposit on a flat. She has updated me on the following events:

1. The first thing she did was get a fancy car (financed, obviously).
2. The bank wouldn't give her a mortgage, partly because of her debts (car loan + other stuff she didn't mention in detail).
3. So she got another job on top of her full time job, to bump up her wage.
4. But the bank then said that since this extra job wasn't a permanent contract thing, it didn't count.
5. Enraged by all of this, she cheered herself up by going on a £4000 spending spree with some of that deposit money.

I was feeling kind of bad for her, because it sucks when you think you're doing the right things and the bank keeps saying no. Until she got to the £4000 spending spree update. I asked what she bought and she said 'handbags'. So I just mashed my face into my desk.

Wow.  Every step she took was wrong.  That's impressive/depressing.

Can she still return the handbags?  Or sell them?  Return the car?
  • Don't take on any new debt if you want to buy a flat.  Stick with the car you have/public transport.
  • Cut expenses and don't buy useless things like purses.
  • Get a part-time job on top of your full-time job to pay off your other debts (not to bump your wage).
  • After paying off your other debts, continue working part-time job to save more money if the bank won't give you a mortgage now.

Ooft I know. Every time she updated me on her next disastrous financial move I was just horrified. And I don't have a good poker face.

She also has a habit of blaming her situation on the economy and particularly the older generation. So I feel sorry for her but not that sorry for her. I honestly don't think it has occurred to her at all that she isn't entitled to own a flat and go on £4000 spending sprees, and actually has to choose, and that none of that is the fault of older generations.

It's also really sad because she's in a priveleged position but I don't think she sees it that way at all.

I tried to tell her how I went about buying a flat on a lesser salary than she gets - e.g going without certain things, keeping my expenses low, no car, blah blah. I don't think she took any of it in. She was like 'your life is different, so that doesn't apply to me'.

The last thing she said was that she's not at all worried about having spent £4000 because she can just save it back up again. Except so far, her behaviour suggests that she is living way above her means, and has never saved a substantial sum of money, ever. So I guess... good luck with that!

Ebay might come in handy for the handbags.

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Re: Overheard at Work
« Reply #16535 on: January 23, 2017, 02:41:34 PM »
YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

Aldi sells blue dish soap that is copying Dawn.  I can't remember the price.

How does the quality compare?

I bought Dawn at Aldi's and it was $3 for a 28 ounce thing (I believe that's the size). Prior to this I went through a few dollar store soaps that are nearly all water. I'm happy to buy a knock-off if it does as good a job as Dawn's.

I have no complaints with it. Seems to work just fine.


edit: fixing quotes (hopefully). edit again: I really can't do quotes today.
« Last Edit: January 23, 2017, 02:47:51 PM by Sibley »

Dave1442397

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Re: Overheard at Work
« Reply #16536 on: January 23, 2017, 07:00:15 PM »
I literally have had consultants (that I hire / fire) laugh at me when they see me make a sandwich in my office.  They get a per diem when on-site, so I see why it wouldn't be a big deal for them to eat at a restaurant every day and more convienent than shopping for groceries in a strange town.  I wanted to ask if they ate at a restaurant for lunch the days they work from home, but I didn't feel like getting into it with them at the time.

If someone is going to look down on you for the brand of peanut butter you're using for your sandwich, they are probably looking down on you for packing anyway.  In either case, who cares what they think?

I never really thought about it until now, but there are only two people in our office who don't brown bag their lunch. One is a single woman in her 40s who likes to bring Chinese food for lunch, and the other is a slightly eccentric single guy (literally a rocket scientist who had Richard Feynman as an advisor in college) who has plenty of money and just buys whatever is going at the cafeteria.

A lot of the guys are foreigners working on H1B visas, and they send a lot of money back home while they're working in the US. They tend to be thrifty.

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Re: Overheard at Work
« Reply #16537 on: January 23, 2017, 07:13:32 PM »
I literally have had consultants (that I hire / fire) laugh at me when they see me make a sandwich in my office.  They get a per diem when on-site, so I see why it wouldn't be a big deal for them to eat at a restaurant every day and more convienent than shopping for groceries in a strange town.  I wanted to ask if they ate at a restaurant for lunch the days they work from home, but I didn't feel like getting into it with them at the time.

If someone is going to look down on you for the brand of peanut butter you're using for your sandwich, they are probably looking down on you for packing anyway.  In either case, who cares what they think?

I think I must be either vindictive or passive aggressive or something, but I long to find those people who disparage me for living the way I live. It makes me feel superior, I think, when they continue to blow tons of money for show yet imagine themselves on a higher plane of existence than someone like me, who would bring a bowl of beans to work the entire week.

I exult within myself when people who earn 1/2 of what I do have a huge truck, a new car, and a house they can't afford 90 minutes from work...talk about how broke they are because they are paying off 10k in CC debt. Then a moment later they'll poke fun at me for sleeping in my car and eating beans every day.

The world...and I...need stupid people. Really. They validate my lifestyle choices every single day.

kayvent

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Re: Overheard at Work
« Reply #16538 on: January 23, 2017, 08:17:57 PM »
I literally have had consultants (that I hire / fire) laugh at me when they see me make a sandwich in my office.  They get a per diem when on-site, so I see why it wouldn't be a big deal for them to eat at a restaurant every day and more convienent than shopping for groceries in a strange town.  I wanted to ask if they ate at a restaurant for lunch the days they work from home, but I didn't feel like getting into it with them at the time.

If someone is going to look down on you for the brand of peanut butter you're using for your sandwich, they are probably looking down on you for packing anyway.  In either case, who cares what they think?

I never really thought about it until now, but there are only two people in our office who don't brown bag their lunch. One is a single woman in her 40s who likes to bring Chinese food for lunch, and the other is a slightly eccentric single guy (literally a rocket scientist who had Richard Feynman as an advisor in college) who has plenty of money and just buys whatever is going at the cafeteria.

A lot of the guys are foreigners working on H1B visas, and they send a lot of money back home while they're working in the US. They tend to be thrifty.

Do most people in your office have children? I ask because it is a well-observed pattern that people without children have similar or higher grocery expenditures compared to their peers with children (i.e. they eat out more and pack meals less frequently).

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Re: Overheard at Work
« Reply #16539 on: January 23, 2017, 08:22:46 PM »


YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

For Dawn dishwashing liquid check the flyers for Walgreens and CVS if they are in your area. Both places regularly promote the small bottles for $1 (and you can sometimes find a 25-cents off coupon in the paper too). At the sale price the cost  per ounce is less than the sale prices of larger bottles at Target or my local supermarket.

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Re: Overheard at Work
« Reply #16540 on: January 23, 2017, 10:20:38 PM »
YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

Aldi sells blue dish soap that is copying Dawn.  I can't remember the price.

How does the quality compare?

I bought Dawn at Aldi's and it was $3 for a 28 ounce thing (I believe that's the size). Prior to this I went through a few dollar store soaps that are nearly all water. I'm happy to buy a knock-off if it does as good a job as Dawn's.

I don't know?  It works for me, but I've never bought name-brand Dawn.  My family used Sunlight, and I can't remember what I used to buy before getting the Aldi stuff. 
I do know that having a roommate take the 1/3 full bottle of dish soap and add 2/3 a bottle of water to "make it last longer" will, in fact, make it pretty much not work at all (we were so annoyed!).

Dave1442397

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Re: Overheard at Work
« Reply #16541 on: January 24, 2017, 06:36:51 AM »
I never really thought about it until now, but there are only two people in our office who don't brown bag their lunch. One is a single woman in her 40s who likes to bring Chinese food for lunch, and the other is a slightly eccentric single guy (literally a rocket scientist who had Richard Feynman as an advisor in college) who has plenty of money and just buys whatever is going at the cafeteria.

A lot of the guys are foreigners working on H1B visas, and they send a lot of money back home while they're working in the US. They tend to be thrifty.

Do most people in your office have children? I ask because it is a well-observed pattern that people without children have similar or higher grocery expenditures compared to their peers with children (i.e. they eat out more and pack meals less frequently).

Most of the people I work with have grandchildren. I think there's only one woman who's my age and still has kids in high school, The two single people have no kids and make good money, so I guess they can spend what they like.

The contractors are all younger, in their 20s and 30s, but they are all on H1B visas and tend to save their money for important things, like houses in their home country, etc.

My department is so nice to work in (if you have to work at all) that nobody ever leaves. There are people in their late 60s still working away, and the ones who retire tend to do it by reducing days/hours until they finally just decide to quit.

MgoSam

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Re: Overheard at Work
« Reply #16542 on: January 24, 2017, 07:09:20 AM »
YMMV, I'm spoiled at having Cub (our major grocery chain) and Aldi's within a few minutes of my house, and Costco is about 13 minutes away. I am pretty decent at price shopping (does anyone know where to get the best price for Dawn dish soap though?), but my biggest waste is throwing away food. I need to get better at planning my meals and sticking to them.

Aldi sells blue dish soap that is copying Dawn.  I can't remember the price.

How does the quality compare?

I bought Dawn at Aldi's and it was $3 for a 28 ounce thing (I believe that's the size). Prior to this I went through a few dollar store soaps that are nearly all water. I'm happy to buy a knock-off if it does as good a job as Dawn's.

I don't know?  It works for me, but I've never bought name-brand Dawn.  My family used Sunlight, and I can't remember what I used to buy before getting the Aldi stuff. 
I do know that having a roommate take the 1/3 full bottle of dish soap and add 2/3 a bottle of water to "make it last longer" will, in fact, make it pretty much not work at all (we were so annoyed!).

Fair enough. I'll consider the non-name brand when I run out, though I'm very happy with Dawn thus far.

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Re: Overheard at Work
« Reply #16543 on: January 24, 2017, 08:47:55 AM »
I literally have had consultants (that I hire / fire) laugh at me when they see me make a sandwich in my office.  They get a per diem when on-site, so I see why it wouldn't be a big deal for them to eat at a restaurant every day and more convienent than shopping for groceries in a strange town.  I wanted to ask if they ate at a restaurant for lunch the days they work from home, but I didn't feel like getting into it with them at the time.

If someone is going to look down on you for the brand of peanut butter you're using for your sandwich, they are probably looking down on you for packing anyway.  In either case, who cares what they think?

I never really thought about it until now, but there are only two people in our office who don't brown bag their lunch. One is a single woman in her 40s who likes to bring Chinese food for lunch, and the other is a slightly eccentric single guy (literally a rocket scientist who had Richard Feynman as an advisor in college) who has plenty of money and just buys whatever is going at the cafeteria.

A lot of the guys are foreigners working on H1B visas, and they send a lot of money back home while they're working in the US. They tend to be thrifty.

Do most people in your office have children? I ask because it is a well-observed pattern that people without children have similar or higher grocery expenditures compared to their peers with children (i.e. they eat out more and pack meals less frequently).

This is/was me. It is harder to make food for one or two people than it is for 3-7. When I was single, I'd do it a lot--mostly because I worked 2 jobs, and one of them was physical in nature so I didn't care what I ate nutrition wise. Now I'm married, we still eat out a lot because we're both very busy (and yes, we are legitimately busy--still 2 jobs, wife has one and helps take care of her mom).

We've migrated to a lot of prepared meals from Costco, which is slightly better, but still not all that healthy or financially sound. Part of our problem though is a lack of counterspace to prepare food.

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Re: Overheard at Work
« Reply #16544 on: January 24, 2017, 08:55:06 AM »
Part of our problem though is a lack of counterspace to prepare food.

Do you have a table to eat at?  If so, why not use the table to prepare food?

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Re: Overheard at Work
« Reply #16545 on: January 24, 2017, 09:18:37 AM »
Does anyone have one of those cutting mats that covers the table? I'm just starting to shop for one.

When I was a kid my great-grandmother used her dinner table for prepping foods. The table is still in the family and was flawless the last time I saw it. She'd cover the table with the rigid table protectors, then a table cloth and then this cutting mat. I recall her being able to roll food out and cut it right there.

She'd roll out pasta or pies or whatever - and then cut them on this mat that I remember.

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Re: Overheard at Work
« Reply #16546 on: January 24, 2017, 10:03:41 AM »
Part of our problem though is a lack of counterspace to prepare food.

Do you have a table to eat at?  If so, why not use the table to prepare food?
Hey check your #tableprivilege! Not everyone has room for a table!

I prepare food in the 2 ft x 2 ft space between my stove and sink. Much of which is taken up by an Instant Pot. It is incredibly frustrating, and I don't begrudge anyone who prefers not to deal with it.

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Re: Overheard at Work
« Reply #16547 on: January 24, 2017, 10:43:07 AM »
This is/was me. It is harder to make food for one or two people than it is for 3-7. When I was single, I'd do it a lot--mostly because I worked 2 jobs, and one of them was physical in nature so I didn't care what I ate nutrition wise. Now I'm married, we still eat out a lot because we're both very busy (and yes, we are legitimately busy--still 2 jobs, wife has one and helps take care of her mom).

We've migrated to a lot of prepared meals from Costco, which is slightly better, but still not all that healthy or financially sound. Part of our problem though is a lack of counterspace to prepare food.
I spent a year living in a small camper on the back of my truck.  I made almost all my meals with right about 2'x2' of counter space, and no oven.  Plenty of meals are no big deal.  Stir fry, steak, pasta, etc are easy with minimal prep area.

Next time you are at Costco get a set or two of Snapware (or similar good Tupperware like stuff).  Put it out as you dish out food.  Make food for 4 and you'll have dinner for 2 nights, or pre-done lunch leftovers.  Can be scales to 3x in many cases if you don't tire of stuff as easily as some.

Go buy Mark Bittman's How to Cook Everything Fast.  It has a lot of cut down recipes that will have food on the table in 30-45 minutes, including prep as you cook (written in fully chronological steps). 

Dave1442397

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Re: Overheard at Work
« Reply #16548 on: January 24, 2017, 10:51:40 AM »
Hey check your #tableprivilege! Not everyone has room for a table!

I prepare food in the 2 ft x 2 ft space between my stove and sink. Much of which is taken up by an Instant Pot. It is incredibly frustrating, and I don't begrudge anyone who prefers not to deal with it.

Did you ever look into buying a cutting board (or two) that fits over your stovetop and/or sink? They're cheap, and give you some extra counter space.


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Re: Overheard at Work
« Reply #16549 on: January 24, 2017, 11:03:24 AM »
Does anyone have one of those cutting mats that covers the table? I'm just starting to shop for one.

Like this?
https://www.walmart.com/ip/Mainstays-Flexible-Pastry-Mat/15224370

I have one.  I used to use it pretty often, but then we moved to a house where the table is two rooms away from the kitchen, so I rarely do prep work at the table any more. My mat has acquired some creases that make it a less than perfectly flat surface, which is annoying.  I probably didn't take enough care to keep it from getting crushed in the cabinets.

For the ones with measurements for pie crust sizes, you want to google "pastry mat." If you want a thicker version (less flexible, but more protective), look for cutting mats sold for artists (e.g http://www.dickblick.com/products/alvin-cutting-mats/) or quilters (e.g., http://www.joann.com/sewing/cutting-tools/rotary-cutting/cutting-mats/#sz=36).