Author Topic: Overheard at Work  (Read 8902937 times)

kaypinkHH

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Re: Overheard at Work
« Reply #20050 on: April 30, 2018, 02:43:02 PM »
I'm confused, this is the antimustacian wall of shame right?? This is a place where we all get together and chuckle at other people's non-frugal life choices because we get the side eye IRL when we mention thrift store shopping and packing our lunches, and biking to work, and not buying coffee?? If I'm in the wrong place let me know! /s

I guess it is my own fault, when I wrote "I don't get it" on my original post, I do get it. Like most non mustachian things, it is easier. And there are times and places where easier is 100% OK! (Ie 3 kids at home, trying to get back into a cooking routine). But we can't sit here and pretend that spending $8.50-$11/meal is a "mustachian" win.

And yes, meal planning and grocery shopping for 3 simple meals like what they are getting would take me 1hr (and my coworker, we live in the same area).

Prepping the food takes about the same amount of time (you still have to cut up everything yourself), so 1hr per week saves me ~$50 comparative to the meal boxes. I'll take that rate of return any week!

Xlar

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Re: Overheard at Work
« Reply #20051 on: April 30, 2018, 02:43:32 PM »
Tax story...

My husband got a bonus from his company. It was just every employee got $500.  He never got it.  He called HR to find out why, and it turns out they treated it like a regular paycheck.  Well, he has his paychecks set to have an extra withholding, and he also pulls a high dollar amount (not percentage) from the paychecks for retirement savings.  Between those two- every dollar of the bonus was pulled.

OK then... we of course got the taxes back at the end of the year, and then he had to readjust his 401k withholdings to not go over the max.

Just a heads up, every company that's not a couple steps away from keeping their books on tally sticks will stop your 401k contributions exactly at the IRS max.  It's like HR 101 stuff.

Not mine. Once you hit the IRS pretax limit they continue pulling the same percentage, just as post tax contributions. I want to do post tax investing at Vanguard, not in my 401k, so I have to keep an eye on it. Super annoying.

Same here, I actually contacted my HR department to ask about this and they confirmed it.

My employer does the same thing. My wife's on the other hand... If the last payment will put you over the limit they will not contribute anything at all! Super annoying. And they won't let you contribute up to the limit faster. If your contribution amount x the number of pay periods in the year is greater than the limit they will reject your form. Yes, even if you started part way through the year and want to catch up!

Cali

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Re: Overheard at Work
« Reply #20052 on: May 01, 2018, 12:35:55 AM »
We got raises today. I’m investing mine. Coworker was already planning all the things she’s going to buy to furnish the new apartment she doesn’t
have yet. All new of course.

dragoncar

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Re: Overheard at Work
« Reply #20053 on: May 01, 2018, 04:03:52 AM »
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VaCPA

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Re: Overheard at Work
« Reply #20054 on: May 01, 2018, 07:10:15 AM »
The meal boxes aren't a "mustachian win". But in the pantheon of "antimustachian things" I think they have more merit than other stuff people waste money on which are posted here, for various reasons already pointed out. The whole time=money concept. Everything you do costs time or money, we're all just trying to maximize them both. Even the most staunch mustachians choose time over money at times during their day. Half the reason I come to this thread is to chuckle at the ridiculous links/anecdotes about people wasting money but the other half is to chuckle at the mustachians "losing their mind" over things like prepared meals.

Hula Hoop

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Re: Overheard at Work
« Reply #20055 on: May 01, 2018, 07:29:28 AM »
The meal boxes aren't a "mustachian win". But in the pantheon of "antimustachian things" I think they have more merit than other stuff people waste money on which are posted here, for various reasons already pointed out. The whole time=money concept. Everything you do costs time or money, we're all just trying to maximize them both. Even the most staunch mustachians choose time over money at times during their day. Half the reason I come to this thread is to chuckle at the ridiculous links/anecdotes about people wasting money but the other half is to chuckle at the mustachians "losing their mind" over things like prepared meals.

Full disclosure - I've never used a meal box as they don't have them here in Italy as far as I know.  However, aren't they the antithesis of mustachianism as they don't save you much time (ie you still need to chop and cook - you just don't need to shop) and they use a ton of packaging from what I've heard.

Of course, there is no mustachian police but the time=money concept could be used to justify all kinds of things - cleaners and gardeners to take care of your home instead of doing it yourself, driving to the supermarket instead of cycling/walking, bedpans and catheters.

ysette9

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Re: Overheard at Work
« Reply #20056 on: May 01, 2018, 09:08:44 AM »
Overheard while filling up my water bottle this morning.

“We met with a financial guy and he told us we could stop working right now. It’s a good feeling.”

Cool! Except, why are you still here then....?

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Re: Overheard at Work
« Reply #20057 on: May 01, 2018, 02:35:21 PM »


Try your local Buy Nothing Group!   You would be amazed what people have uses for. And most of the time, they will come pick it up.   I have given away old fence posts, carpet remnants (used for something with horses), dog beds, file cabinets, light bulbs after I switched to LEDs.   I often ask if anyone has fruit rotting on trees and people are more than happy to let me pick it!

I do use it religiously. Both giving and taking. Anything that is remotely acceptable for human use gets offered.




You know that things don't need to go in the trash in one piece, right?
Dog bed & carpet- cut them up and put them in the trash over a few weeks
Packing peanuts- small bag at a time
Recliner- break it up into its pieces and put the cover/ foam in the trash and the wood frame in the lawn recycling with the handrail.

I've done exactly this. It doesn't happen over night, but mix this with the buy nothing group and eventually it is gone and no longer a problem.

It would take about 2 years to break down the recliner and get it in the trash and gone. And the large pieces of metal wouldn't fit anyways. The lid has to be on. This is a challenging problem....  Don't forget, we have our regular trash to put into our tiny canister as well. (two dogs worth of dog sh*t every week). We do cram as much in there as we can. I'm just saying, it would be fun to be like WHEEEEEE trash! Instead of calculating and doing tetris to get everything to fit. I've thought about ordering a bigger size trash but for weeks we don't need it is seems like such a waste.

And there's no freaking way I'm cutting open that dog bed. Nope. Stinky fuzz everywhere??? No way. Not worth it. I'll pay the extra for them to haul it away.

I actually looked. It's the "mini can".

15"W x 16"D x 21"H
30 lb. weight limit

*and correction, I guess it's $80 every 2 months. So not quite so nutso.
I'm lazy, I had a matress to dispose of. I took my Utility knife and cut all the way around it, it was pretty fast. I  then ripped the cloth and foam off, about five minutes and a bag of garbage was made. I then had some springs left over, far too bulky for the garbage of course. So I made a load in my small utility trailer to the metal recycling depot (seattle has several as well, metal recycling is a thriving industry) and tossed it out for free. By cutting it up it made it easier to toss, it was actually less work than hauling it (I could have hauled it to the dump, that would have taken longer). I was impressed with myself, a small amount of "giving it a try" saved me a lot of work.

The same applies to recliners. Once you take a knife to a chair, there's very little there. Give it a try, If I'm wrong, its still going into the trash. If I'm correct, problem solved. Take the metal, along with the filing cabinet and all the other metal junk you have, to the free drop off. If you don't have a truck, people in my area will haul stuff for $20, I find them on Kijiji (CDN Craigs list). If you have high value metal (copper, brass, aluminum, lead battteries are $10 each around here) you can get them to haul it for free, they'll get paid on the other end.

Metal is the easiest product to recycle, don't put it in the trash.

Dragonswan

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Re: Overheard at Work
« Reply #20058 on: May 01, 2018, 02:46:19 PM »
I'm confused, this is the antimustacian wall of shame right?? This is a place where we all get together and chuckle at other people's non-frugal life choices because we get the side eye IRL when we mention thrift store shopping and packing our lunches, and biking to work, and not buying coffee?? If I'm in the wrong place let me know! /s

I guess it is my own fault, when I wrote "I don't get it" on my original post, I do get it. Like most non mustachian things, it is easier. And there are times and places where easier is 100% OK! (Ie 3 kids at home, trying to get back into a cooking routine). But we can't sit here and pretend that spending $8.50-$11/meal is a "mustachian" win.

And yes, meal planning and grocery shopping for 3 simple meals like what they are getting would take me 1hr (and my coworker, we live in the same area).

Prepping the food takes about the same amount of time (you still have to cut up everything yourself), so 1hr per week saves me ~$50 comparative to the meal boxes. I'll take that rate of return any week!


Thank you. I was losing my mind reading others approve of meal boxes. Biggest bullshit right now.
Yeah, even I think this is bad.  Might as well eat out or take out and then at least there's no clean up. Nnot that heading to the restaurant is mustachian, but if we're talking time and money and all that, the meal boxes still lose compared to other unmustachian options.

FireHiker

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Re: Overheard at Work
« Reply #20059 on: May 01, 2018, 03:56:04 PM »
We did one of those meal prep places, gosh, several years ago now, early in our marriage. It was one of the places where you pick which meals you want to prep and then you go to the shop and assemble everything there and take it home; like Dream Dinners, only a cheaper one that isn't around anymore, at least not locally. It was actually the thing that spurred my husband on to become the primary cook in our house; it was like something clicked for him on the creative front. At the time it was definitely worthwhile as it gave us several ideas for things we could make at home, which he has since adapted. It didn't have some of the downsides that I think Blue Apron might have (although I have not tried BA): no chopping, no wasted packaging for each ingredient. We wouldn't do it now as we are much more confident in the kitchen and able to follow and adapt recipes much better now. We really liked how it spurred us on to try making new things in the kitchen though.

On a related note, since this IS the "overheard at work" thread, I have a co-worker who recently spent hundreds of dollars at Dream Dinners, despite the fact that her husband doesn't work and their kids are all grown. I can see MAYBE if you're looking for a couple new ideas, or have two very high incomes without a lot of free time, but they barely make ends meet. I think he just sleeps all day?

Hula Hoop

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Re: Overheard at Work
« Reply #20060 on: May 01, 2018, 04:04:34 PM »
My husband was also not terribly confident in the kitchen when we first met.  Since we both work FT and he has more flexible hours, he has ended up doing a lot of the cooking.  What really helped him were various online cooking websites (free) with step by step tutorials in how to cook basic dishes.  Some of them also include videos. 


La Bibliotecaria Feroz

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Re: Overheard at Work
« Reply #20061 on: May 01, 2018, 05:10:09 PM »
The meal boxes aren't a "mustachian win". But in the pantheon of "antimustachian things" I think they have more merit than other stuff people waste money on which are posted here, for various reasons already pointed out. The whole time=money concept. Everything you do costs time or money, we're all just trying to maximize them both. Even the most staunch mustachians choose time over money at times during their day. Half the reason I come to this thread is to chuckle at the ridiculous links/anecdotes about people wasting money but the other half is to chuckle at the mustachians "losing their mind" over things like prepared meals.

Full disclosure - I've never used a meal box as they don't have them here in Italy as far as I know.  However, aren't they the antithesis of mustachianism as they don't save you much time (ie you still need to chop and cook - you just don't need to shop) and they use a ton of packaging from what I've heard.

Of course, there is no mustachian police but the time=money concept could be used to justify all kinds of things - cleaners and gardeners to take care of your home instead of doing it yourself, driving to the supermarket instead of cycling/walking, bedpans and catheters.

I think they can be a route to frugal win for someone with little experience cooking and shopping. Trying to learn to do both at once might be daunting and I could see finding it helpful to TEMPORARILY use a meal service to get some ideas and build a little confidence.

nnls

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Re: Overheard at Work
« Reply #20062 on: May 01, 2018, 07:45:13 PM »
The meal boxes aren't a "mustachian win". But in the pantheon of "antimustachian things" I think they have more merit than other stuff people waste money on which are posted here, for various reasons already pointed out. The whole time=money concept. Everything you do costs time or money, we're all just trying to maximize them both. Even the most staunch mustachians choose time over money at times during their day. Half the reason I come to this thread is to chuckle at the ridiculous links/anecdotes about people wasting money but the other half is to chuckle at the mustachians "losing their mind" over things like prepared meals.

Full disclosure - I've never used a meal box as they don't have them here in Italy as far as I know.  However, aren't they the antithesis of mustachianism as they don't save you much time (ie you still need to chop and cook - you just don't need to shop) and they use a ton of packaging from what I've heard.

Of course, there is no mustachian police but the time=money concept could be used to justify all kinds of things - cleaners and gardeners to take care of your home instead of doing it yourself, driving to the supermarket instead of cycling/walking, bedpans and catheters.

I think they can be a route to frugal win for someone with little experience cooking and shopping. Trying to learn to do both at once might be daunting and I could see finding it helpful to TEMPORARILY use a meal service to get some ideas and build a little confidence.

my aunt paid for my cousin to get one of these for a month or maybe 2, he had been doing take out every night and now he cooks most week nights. He did it while his mum paid, kept the recipe cards and it gave him some ideas. So it can change habits and inspire people to cook.

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Re: Overheard at Work
« Reply #20063 on: May 02, 2018, 01:37:09 AM »
At my workplace, you can work extra hours and then either have them paid out or add them to your vacation hours (to be used sometime this year or next year).

Yesterday, we were offered the option to work a few extra hours this week.

Colleague: "We can only have 40 extra vacation hours."
Me: "Oh, is that true? This company only allows us to have up to one workweek of extra vacation hours? I didn't know." (Because I always have these hours paid out to me, and then I invest the money...).
Colleague: "Yes, you can have 40 extra vacation hours, but if you work more extra hours than that, they will pay them out to you. So I'm not going to work extra hours this week, because I already have those 40 extra vacation hours."

I'm guessing she values her free time more than she values the bigger paycheck. But I thought it quite hilarious how she looked really disgusted by the idea of a bigger paycheck next month...

Dragonswan

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Re: Overheard at Work
« Reply #20064 on: May 02, 2018, 11:18:09 AM »
The meal boxes aren't a "mustachian win". But in the pantheon of "antimustachian things" I think they have more merit than other stuff people waste money on which are posted here, for various reasons already pointed out. The whole time=money concept. Everything you do costs time or money, we're all just trying to maximize them both. Even the most staunch mustachians choose time over money at times during their day. Half the reason I come to this thread is to chuckle at the ridiculous links/anecdotes about people wasting money but the other half is to chuckle at the mustachians "losing their mind" over things like prepared meals.
Under these circumstances I could see the value in it. But only temporarily while learning a few skills.

Full disclosure - I've never used a meal box as they don't have them here in Italy as far as I know.  However, aren't they the antithesis of mustachianism as they don't save you much time (ie you still need to chop and cook - you just don't need to shop) and they use a ton of packaging from what I've heard.

Of course, there is no mustachian police but the time=money concept could be used to justify all kinds of things - cleaners and gardeners to take care of your home instead of doing it yourself, driving to the supermarket instead of cycling/walking, bedpans and catheters.

I think they can be a route to frugal win for someone with little experience cooking and shopping. Trying to learn to do both at once might be daunting and I could see finding it helpful to TEMPORARILY use a meal service to get some ideas and build a little confidence.

my aunt paid for my cousin to get one of these for a month or maybe 2, he had been doing take out every night and now he cooks most week nights. He did it while his mum paid, kept the recipe cards and it gave him some ideas. So it can change habits and inspire people to cook.

a286

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Re: Overheard at Work
« Reply #20065 on: May 02, 2018, 11:46:00 AM »
At work the other day, I overheard a coworker talking to another about pet food. This coworker was saying how Particular Senior Food Product was such a great product for senior pets, and how she would love to feed it to her pet but because it's such a great product it's very expensive she can't afford it... so she mixes it with Same Company's Basic/Cheapest Food Product.

I happen to be pretty familiar with the products she was talking about, and pricing, etc. So quick math works out that it would be maybe $18 more a month to feed her pet only the Senior Food. Of course I've made some assumptions, but I really feel that estimate is high based on the amount the pet should be fed. I think the only way my estimate would be low is if she is mixing in the Senior Product at really low amounts, and at that point why bother mixing?

What struck me is just knowing a few of her spendy habits (coffee, just finished large remodel, drinks out with friends) plus her work (steady office job with decent pay, position above me, been here 5xs longer, and was just promoted to management level a few months back), and you could tell she feels that that product is the very best thing for her pet and she should be getting it... but she just can't manage to find another $20 a month anywhere!

ketchup

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Re: Overheard at Work
« Reply #20066 on: May 02, 2018, 12:00:43 PM »
At work the other day, I overheard a coworker talking to another about pet food. This coworker was saying how Particular Senior Food Product was such a great product for senior pets, and how she would love to feed it to her pet but because it's such a great product it's very expensive she can't afford it... so she mixes it with Same Company's Basic/Cheapest Food Product.

I happen to be pretty familiar with the products she was talking about, and pricing, etc. So quick math works out that it would be maybe $18 more a month to feed her pet only the Senior Food. Of course I've made some assumptions, but I really feel that estimate is high based on the amount the pet should be fed. I think the only way my estimate would be low is if she is mixing in the Senior Product at really low amounts, and at that point why bother mixing?

What struck me is just knowing a few of her spendy habits (coffee, just finished large remodel, drinks out with friends) plus her work (steady office job with decent pay, position above me, been here 5xs longer, and was just promoted to management level a few months back), and you could tell she feels that that product is the very best thing for her pet and she should be getting it... but she just can't manage to find another $20 a month anywhere!
Some of it is just that it's a more visible cost.  Like how people will bitch about gas prices going up that mean spending is $20/mo higher, but they might not blink if their car insurance goes up $30/mo.

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Re: Overheard at Work
« Reply #20067 on: May 02, 2018, 12:34:37 PM »
All my coworkers seem to be obsessed with the meal prep boxes (where you order food, it appears, but you still need to do the cooking).

Recipes are boringly simple, and all for a low low price of $10 a serving!! I calculated what I would spend to make a sample recipe myself, and I'm looking at $2/serving max.

I guess it is better than take out food...but really all this saves is 1 hr/week grocery shopping. I just don't get it.

I don't buy those either, but if you factor in meal planning, grocery shopping, and food prep (the boxes come with predefined portions/etc) I expect the time involved is more than an hour.  You also have consistent variety and don't end up with a large quantity of any particular ingredient which then either goes bad or needs to be used for something else.

I basically live off of rice, chicken, and vegetables so repetition is fine for me. :P

It may save on wasted food but whether you want to avoid waste for financial or environmental reasons, the boxes aren't really helping. All the tiny little bottles and packages for each ingredient and the insulated boxes and ice packs are far worse than wasting a little food. Even with products in grocery stores, the cost (dollar and environmental) of the packaging can outweigh the cost of the product. I'm all for reducing food waste but exchanging it for plastic waste isn't much of a solution.

I haven't found a good assessment of the real impact of the packaging and shipping used for these services but If anyone else has, I'd be interested. Most articles hand wave certain aspects without numbers or use wild estimates like this one:

https://www.motherjones.com/environment/2017/06/meal-kit-freezer-packs-blue-apron-hello-fresh/

But they're still worth a read to help take all of the different aspects into account.

I'll concede that it may work out differently in HCOLA's where I'm not as familiar with grocery costs or if you only compare to restaurant costs.

It's trendy because young working families just don't have the time and energy to shop for and cook healthy food after an exhausting day. Yet, surprisingly, they will chop and cook the ingredients in a box, sent through the mail - amazing.
It certainly could, upon reflection, teach you to cook - never considered that angle before.

However, I noticed a Publix (grocery store) food delivery ad, prepared fresh then delivered to your door - a healthy, delicious looking dinner for two, $20 - just heat in oven for 30 min. Hmm, I think I'll use that $10 coupon we got in the mail and see how good and how fresh it really is.
Beats pizza night:)


a286

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Re: Overheard at Work
« Reply #20068 on: May 02, 2018, 12:56:04 PM »
At work the other day, I overheard a coworker talking to another about pet food. This coworker was saying how Particular Senior Food Product was such a great product for senior pets, and how she would love to feed it to her pet but because it's such a great product it's very expensive she can't afford it... so she mixes it with Same Company's Basic/Cheapest Food Product.

I happen to be pretty familiar with the products she was talking about, and pricing, etc. So quick math works out that it would be maybe $18 more a month to feed her pet only the Senior Food. Of course I've made some assumptions, but I really feel that estimate is high based on the amount the pet should be fed. I think the only way my estimate would be low is if she is mixing in the Senior Product at really low amounts, and at that point why bother mixing?

What struck me is just knowing a few of her spendy habits (coffee, just finished large remodel, drinks out with friends) plus her work (steady office job with decent pay, position above me, been here 5xs longer, and was just promoted to management level a few months back), and you could tell she feels that that product is the very best thing for her pet and she should be getting it... but she just can't manage to find another $20 a month anywhere!
Some of it is just that it's a more visible cost.  Like how people will bitch about gas prices going up that mean spending is $20/mo higher, but they might not blink if their car insurance goes up $30/mo.
So true, I didn't think of it like that. I was irritated with her already that day so it got to me more than it should have. I may have gone home and ranted to my husband about it...

a286

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Re: Overheard at Work
« Reply #20069 on: May 02, 2018, 01:12:09 PM »
And while I'm here, you get to hear about husband's ex coworker. Married four times, five kids, lives with current in-laws with wife and two kids. So they can save to buy a house. Goes out and buys a brand new jeep, everything on it, immediately takes it four wheeling and scratches the hell out of it and breaks off a mirror. Before he's made the first payment. Also has student loans, though he never said how much. Was always giving my husband "advice" on credit and credit cards. One example, he tells my husband how every year, he buys a computer on his Dell credit card, makes the payments over the year, and then buys a new one! I can't remember what he did with the old one then. He explained to my husband, he was building credit and equity! Because you have to carry a balance to build credit, obviously! And then you could buy a nicer computer each year! I'm not sure how this made sense in his head, but from what my husband relayed to me it sounded like how some people roll car loans. He was horribly offended when he wanted to buy a $600k house with no money down, and the bank told them they needed to pay off debt and save up a 20% down payment before they'd consider a mortgage for them.

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Re: Overheard at Work
« Reply #20070 on: May 02, 2018, 01:50:12 PM »
And while I'm here, you get to hear about husband's ex coworker. Married four times, five kids, lives with current in-laws with wife and two kids. So they can save to buy a house. Goes out and buys a brand new jeep, everything on it, immediately takes it four wheeling and scratches the hell out of it and breaks off a mirror. Before he's made the first payment. Also has student loans, though he never said how much. Was always giving my husband "advice" on credit and credit cards. One example, he tells my husband how every year, he buys a computer on his Dell credit card, makes the payments over the year, and then buys a new one! I can't remember what he did with the old one then. He explained to my husband, he was building credit and equity! Because you have to carry a balance to build credit, obviously! And then you could buy a nicer computer each year! I'm not sure how this made sense in his head, but from what my husband relayed to me it sounded like how some people roll car loans. He was horribly offended when he wanted to buy a $600k house with no money down, and the bank told them they needed to pay off debt and save up a 20% down payment before they'd consider a mortgage for them.

Wow, what a looser jerk this guy is! How can he manage having to pay child support for his 3 other kids from the other marriages, buy cars, computers and expects to buy a $600K house? How much money does this guy and wife make a year?

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Re: Overheard at Work
« Reply #20071 on: May 02, 2018, 02:21:34 PM »
And while I'm here, you get to hear about husband's ex coworker. Married four times, five kids, lives with current in-laws with wife and two kids. So they can save to buy a house. Goes out and buys a brand new jeep, everything on it, immediately takes it four wheeling and scratches the hell out of it and breaks off a mirror. Before he's made the first payment. Also has student loans, though he never said how much. Was always giving my husband "advice" on credit and credit cards. One example, he tells my husband how every year, he buys a computer on his Dell credit card, makes the payments over the year, and then buys a new one! I can't remember what he did with the old one then. He explained to my husband, he was building credit and equity! Because you have to carry a balance to build credit, obviously! And then you could buy a nicer computer each year! I'm not sure how this made sense in his head, but from what my husband relayed to me it sounded like how some people roll car loans. He was horribly offended when he wanted to buy a $600k house with no money down, and the bank told them they needed to pay off debt and save up a 20% down payment before they'd consider a mortgage for them.

Wow, what a looser jerk this guy is! How can he manage having to pay child support for his 3 other kids from the other marriages, buy cars, computers and expects to buy a $600K house? How much money does this guy and wife make a year?

I'm guessing either garnishment or refusing to pay child support.

Step37

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Re: Overheard at Work
« Reply #20072 on: May 02, 2018, 02:23:00 PM »
And while I'm here, you get to hear about husband's ex coworker. Married four times, five kids, lives with current in-laws with wife and two kids. So they can save to buy a house. Goes out and buys a brand new jeep, everything on it, immediately takes it four wheeling and scratches the hell out of it and breaks off a mirror. Before he's made the first payment. Also has student loans, though he never said how much. Was always giving my husband "advice" on credit and credit cards. One example, he tells my husband how every year, he buys a computer on his Dell credit card, makes the payments over the year, and then buys a new one! I can't remember what he did with the old one then. He explained to my husband, he was building credit and equity! Because you have to carry a balance to build credit, obviously! And then you could buy a nicer computer each year! I'm not sure how this made sense in his head, but from what my husband relayed to me it sounded like how some people roll car loans. He was horribly offended when he wanted to buy a $600k house with no money down, and the bank told them they needed to pay off debt and save up a 20% down payment before they'd consider a mortgage for them.

Wow, what a looser jerk this guy is! How can he manage having to pay child support for his 3 other kids from the other marriages, buy cars, computers and expects to buy a $600K house? How much money does this guy and wife make a year?

Also, how the HELL do you still have student loans once you’re onto wife #4? Those are some speedy relationships! (Obviously the dude is comfortable, VERY comfortable, with debt and probably only doing minimum student loan payments so he can afford his Jeep payments and Dell payments... gah.)

Just Joe

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Re: Overheard at Work
« Reply #20073 on: May 02, 2018, 02:33:25 PM »
I have heard stories of brand new 4WD owners trashing their new vehicles on the first outing. I have no idea why they wouldn't buy a $2K rusty 4WD wonder to bash through the woods with instead.

Imma

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Re: Overheard at Work
« Reply #20074 on: May 02, 2018, 03:14:00 PM »
At my workplace, you can work extra hours and then either have them paid out or add them to your vacation hours (to be used sometime this year or next year).

Yesterday, we were offered the option to work a few extra hours this week.

Colleague: "We can only have 40 extra vacation hours."
Me: "Oh, is that true? This company only allows us to have up to one workweek of extra vacation hours? I didn't know." (Because I always have these hours paid out to me, and then I invest the money...).
Colleague: "Yes, you can have 40 extra vacation hours, but if you work more extra hours than that, they will pay them out to you. So I'm not going to work extra hours this week, because I already have those 40 extra vacation hours."

I'm guessing she values her free time more than she values the bigger paycheck. But I thought it quite hilarious how she looked really disgusted by the idea of a bigger paycheck next month...

It's probably because of that old Dutch myth that any overtime is taxed at 100%.

I've worked 30 hours of overtime this month and I always have them paid out the next month as well.

Coworker: but what if you want to go on a really long trip next year ?  Then you'd have no extra vacation hours saved up.
Me: I could take unpaid leave?

For some reason, coworker seems to believe that any money paid to you is suddenly gone the minute it's in your pocket. The idea that overtime payment might still be there, somewhere, a year after it was earned? Mind = blown.

Rowellen

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Re: Overheard at Work
« Reply #20075 on: May 02, 2018, 03:55:46 PM »
I have heard stories of brand new 4WD owners trashing their new vehicles on the first outing. I have no idea why they wouldn't buy a $2K rusty 4WD wonder to bash through the woods with instead.

But but. It just wouldn't have that new car smell.

/s

mm1970

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Re: Overheard at Work
« Reply #20076 on: May 02, 2018, 03:57:40 PM »
I'm confused, this is the antimustacian wall of shame right?? This is a place where we all get together and chuckle at other people's non-frugal life choices because we get the side eye IRL when we mention thrift store shopping and packing our lunches, and biking to work, and not buying coffee?? If I'm in the wrong place let me know! /s

I guess it is my own fault, when I wrote "I don't get it" on my original post, I do get it. Like most non mustachian things, it is easier. And there are times and places where easier is 100% OK! (Ie 3 kids at home, trying to get back into a cooking routine). But we can't sit here and pretend that spending $8.50-$11/meal is a "mustachian" win.

And yes, meal planning and grocery shopping for 3 simple meals like what they are getting would take me 1hr (and my coworker, we live in the same area).

Prepping the food takes about the same amount of time (you still have to cut up everything yourself), so 1hr per week saves me ~$50 comparative to the meal boxes. I'll take that rate of return any week!


Thank you. I was losing my mind reading others approve of meal boxes. Biggest bullshit right now.
Yeah, even I think this is bad.  Might as well eat out or take out and then at least there's no clean up. Nnot that heading to the restaurant is mustachian, but if we're talking time and money and all that, the meal boxes still lose compared to other unmustachian options.
I know some people who do the meal kit boxes, and others who do the "snack" boxes, where you get a box of treats every month.

Most of them have decent incomes and no kids, so lots of disposable income and time.  They also vacation a lot and eat out a lot.

I can see the point that others have made though, about variety and waste.  I've been working on my grocery budget for over a decade now, so I've got it mostly nailed down.  How to shop, how to not waste food, etc.  I've moved on a bit to reducing plastic - so now my grocery bill is higher than it could be, because often times I opt for the plastic-less, but more expensive option.

I have to say though - I've got a FT job and 2 elementary aged kids.  So, we're busy.  My job has changed recently to now I end up working late several days a week.  Before, I'd only work late 1 or 2x.  So, it's not that the husband can't cook, but he cooks differently.  As in: find a cookbook, choose a recipe, shop for the ingredients, and cook it.  This is not conducive to mid-week cooking at all.  I just wing it and throw things together with what we have.  And: I do the grocery shopping.

My method to surviving right now is to cook 2 big meals on the weekend, enough for 3 nights each.  So Sat meal gets eaten on Mon and Wed.  Sunday's meal gets eaten on Tues and Thurs.  We make a new veg each night.  Friday is frozen pizza.  I eat salad for lunch every day and we make something for hubby to eat, either sandwiches or burritos or whatever.

I'm getting bored.  I have a regular rotation of spaghetti and meatballs, mac and cheese, beans and rice, chili, curried lentils, lentil soup, fried rice, chicken enchilada, chicken soup.  The kids are way over it - they hate eating the same things 3x a week, but I tell them they can eat something else when they start cooking.  Back when I got home earlier, I was a bit more inventive - and I didn't necessarily have to cook something in bulk.  I could cook enough for one dinner and maybe a lunch.

I also run out of veg by Weds.  We get a large box of fruit and veg delivered by a service that shops at the farmer's market (so no waste - boxes get reused and the baby greens come in a compostable bag.  Everything else in there is loose.)

bluebelle

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Re: Overheard at Work
« Reply #20077 on: May 02, 2018, 04:33:14 PM »
The meal boxes aren't a "mustachian win". But in the pantheon of "antimustachian things" I think they have more merit than other stuff people waste money on which are posted here, for various reasons already pointed out. The whole time=money concept. Everything you do costs time or money, we're all just trying to maximize them both. Even the most staunch mustachians choose time over money at times during their day. Half the reason I come to this thread is to chuckle at the ridiculous links/anecdotes about people wasting money but the other half is to chuckle at the mustachians "losing their mind" over things like prepared meals.


Full disclosure - I've never used a meal box as they don't have them here in Italy as far as I know.  However, aren't they the antithesis of mustachianism as they don't save you much time (ie you still need to chop and cook - you just don't need to shop) and they use a ton of packaging from what I've heard.

Of course, there is no mustachian police but the time=money concept could be used to justify all kinds of things - cleaners and gardeners to take care of your home instead of doing it yourself, driving to the supermarket instead of cycling/walking, bedpans and catheters.

I think they can be a route to frugal win for someone with little experience cooking and shopping. Trying to learn to do both at once might be daunting and I could see finding it helpful to TEMPORARILY use a meal service to get some ideas and build a little confidence.

my aunt paid for my cousin to get one of these for a month or maybe 2, he had been doing take out every night and now he cooks most week nights. He did it while his mum paid, kept the recipe cards and it gave him some ideas. So it can change habits and inspire people to cook.
that's what I was thinking - make it a short term solution for someone who never learned to cook, and wanted/needed to have their hand held while they learned (although with you-tube, it seems unnecessary).  Back in the stone age, before the internet, I remember someone in my first year of unniversary complaining about trying to learn to cook....he thought the instruction 'brown meat' was confusing, he thought the meat was already brown!

Roadrunner53

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Re: Overheard at Work
« Reply #20078 on: May 02, 2018, 04:36:25 PM »
Here are a few ideas for something to add into to your dinner repertoire. I have a recipe for inside out stuffed peppers. What it is basically is all the ingredients, rice, cooked hamburger, mushrooms, sliced up peppers, onions and tomato sauce and diced tomatoes. Plus, add some cheese on the top. The good thing is that you can cook up the hamburger ahead of time, cook up the rice ahead of time and freeze them ziplock bags FLAT. Then when  you want to make the casserole, you can take the ziplocks out of the freezer and let them thaw over night or defrost in the freezer. You can slap this together pretty quickly. I usually cook the onions with the hamburger and buy the pre sliced frozen tri color peppers. A big can of tomato sauce. Just mix it all up in a big bowl and plop in a casserole topped with mozzarella cheese or cheese of your choice. Bake!

You could also buy some other pasta other than spaghetti like rigatoni (with lines). Then buy Ragu Alfredo sauce or any Alfredo sauce. I buy the lower calorie one. You could add ham chunks, or chicken chunks, or sausage chunks. Add some drained diced tomatoes and sprinkle some italian seasoning into it.

The beauty of pasta and rice is that you can cook it and freeze it. I always undercook the pasta by a few minutes, drain it and rinse with cold water. Then the trick is to douse it lightly with olive oil in a ziplock bag. Squish it around to coat it all. Freeze flat.

Rice (not instant) can be cooked, cooled and put in a ziplock. You could add a little butter while it is still hot and stir it up. Once in a ziplock flatten the bag and freeze it. You can always have a quick meal with either the pasta or the rice. So versitile.

I made a crockpot chicken terriyaki recently and it made a lot. That can be served over rice with broccoli. It was shredded so you will have a LOT. Look up a recipe on the internet. That is where I got mine.

My hub and I buy premade hamburgers. The ones we get a a little thicker than normal. He cooks all of them up and then puts American cheese on top. I let them cool and freeze them in individual sandwich ziplock bags then freeze. We pull them out and defrost and heat them up in just minutes. Put them on a bun then add a side or two and a quickie dinner.

Hope this might help the doldrums of dinnertime!

grandep

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Re: Overheard at Work
« Reply #20079 on: May 02, 2018, 04:41:37 PM »
I'm getting bored.  I have a regular rotation of spaghetti and meatballs, mac and cheese, beans and rice, chili, curried lentils, lentil soup, fried rice, chicken enchilada, chicken soup.  The kids are way over it - they hate eating the same things 3x a week, but I tell them they can eat something else when they start cooking.  Back when I got home earlier, I was a bit more inventive - and I didn't necessarily have to cook something in bulk.  I could cook enough for one dinner and maybe a lunch.

Compared to my typical dinner rotation this is mouth-watering extravagance! Every day I eat oatmeal for breakfast, rice & beans for lunch, and either baked chicken, eggs, or pasta with some assortment of veggies. Try switching to that for a week or two and then your kids will appreciate all your variety! I know I would.

mm1970

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Re: Overheard at Work
« Reply #20080 on: May 02, 2018, 08:59:17 PM »
I'm getting bored.  I have a regular rotation of spaghetti and meatballs, mac and cheese, beans and rice, chili, curried lentils, lentil soup, fried rice, chicken enchilada, chicken soup.  The kids are way over it - they hate eating the same things 3x a week, but I tell them they can eat something else when they start cooking.  Back when I got home earlier, I was a bit more inventive - and I didn't necessarily have to cook something in bulk.  I could cook enough for one dinner and maybe a lunch.

Compared to my typical dinner rotation this is mouth-watering extravagance! Every day I eat oatmeal for breakfast, rice & beans for lunch, and either baked chicken, eggs, or pasta with some assortment of veggies. Try switching to that for a week or two and then your kids will appreciate all your variety! I know I would.

Ha, funny.  I also eat oatmeal or eggs for breakfast.  I eat salad for lunch.  Every. Single. Day.  It's dinner that is getting to me...

Quote
Here are a few ideas for something to add into to your dinner repertoire. I have a recipe for inside out stuffed peppers. What it is basically is all the ingredients, rice, cooked hamburger, mushrooms, sliced up peppers, onions and tomato sauce and diced tomatoes. Plus, add some cheese on the top. The good thing is that you can cook up the hamburger ahead of time, cook up the rice ahead of time and freeze them ziplock bags FLAT. Then when  you want to make the casserole, you can take the ziplocks out of the freezer and let them thaw over night or defrost in the freezer. You can slap this together pretty quickly. I usually cook the onions with the hamburger and buy the pre sliced frozen tri color peppers. A big can of tomato sauce. Just mix it all up in a big bowl and plop in a casserole topped with mozzarella cheese or cheese of your choice. Bake!

Roadrunner, this is a good reminder.  I used to do this more often - cook up some beef, make a pork shoulder in the crockpot, etc.  I just need to plan that in advance.  I seem to find myself shopping before I've thought about what to make...and since I always have pasta, rice, and lentils and beans...(and canned chicken from Costco!) that's what we eat.

Shalamar

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Re: Overheard at Work
« Reply #20081 on: May 02, 2018, 11:10:10 PM »
Co-worker 1:  My husband and I can’t stand this cold weather anymore.  We’ve decided to take a sour-of-the-moment trip to Vegas.

Co-worker 2:  Aren’t you going on a cruise later this year, too?

Co-worker 1:  Oh, sure, but sometimes you just have to say “the hell with the bills, let’s treat ourselves”, you know?

(Two days later)

Co-worker 1:  Why do expensive things always happen right before a trip?   We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.

LennStar

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Re: Overheard at Work
« Reply #20082 on: May 03, 2018, 01:33:54 AM »
I have heard stories of brand new 4WD owners trashing their new vehicles on the first outing. I have no idea why they wouldn't buy a $2K rusty 4WD wonder to bash through the woods with instead.

But but. It just wouldn't have that new car smell.

/s

For that you can buy parfume sprays O.o

Quote
he thought the instruction 'brown meat' was confusing, he thought the meat was already brown!
Well, that is certainly what should come to your mind first! So, what does it mean? Never heard that term. I know white meat and red meat, we use that in German, but brown?


The rest of you: Put more variety in your meals! Really! That can't be that healthy. Make a rice curry at least.

Quote
We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.
What do they drive? A missile launch vehicle?

elliha

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Re: Overheard at Work
« Reply #20083 on: May 03, 2018, 02:06:54 AM »
I have heard stories of brand new 4WD owners trashing their new vehicles on the first outing. I have no idea why they wouldn't buy a $2K rusty 4WD wonder to bash through the woods with instead.

But but. It just wouldn't have that new car smell.

/s

For that you can buy parfume sprays O.o

Quote
he thought the instruction 'brown meat' was confusing, he thought the meat was already brown!
Well, that is certainly what should come to your mind first! So, what does it mean? Never heard that term. I know white meat and red meat, we use that in German, but brown?


The rest of you: Put more variety in your meals! Really! That can't be that healthy. Make a rice curry at least.

Quote
We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.
What do they drive? A missile launch vehicle?

You brown the meat by frying it until it turns brown basically. It is not a type of meat, you can do that to all kinds of meat.

londonstache

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Re: Overheard at Work
« Reply #20084 on: May 03, 2018, 02:07:43 AM »
Co-worker 1:  My husband and I can’t stand this cold weather anymore.  We’ve decided to take a sour-of-the-moment trip to Vegas.

Co-worker 2:  Aren’t you going on a cruise later this year, too?

Co-worker 1:  Oh, sure, but sometimes you just have to say “the hell with the bills, let’s treat ourselves”, you know?

(Two days later)

Co-worker 1:  Why do expensive things always happen right before a trip?   We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.

Brilliant! Waiting to hear about the extra CC debt incurred in Vegas, because you've got to treat yourself, particularly if you are already in debt!

Linda_Norway

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Re: Overheard at Work
« Reply #20085 on: May 03, 2018, 03:01:21 AM »

Quote
We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.
What do they drive? A missile launch vehicle?

We had this problem too, last year. Apart from the financing part, of course.
I have understood that all tires on the same driving-system are supposed to have the same amount of wear. In normals cars you need to replace left and right tire simultaneously. In a 4x4, you need to replace all 4.

Linda_Norway

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Re: Overheard at Work
« Reply #20086 on: May 03, 2018, 06:56:35 AM »

Quote
We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.
What do they drive? A missile launch vehicle?

We had this problem too, last year. Apart from the financing part, of course.
I have understood that all tires on the same driving-system are supposed to have the same amount of wear. In normals cars you need to replace left and right tire simultaneously. In a 4x4, you need to replace all 4.

Maybe I should add that the flat tire had to be replaced, because I noticed a bit too late and had to drive on the flat tire some meters before finding a suitable place to stop. The broken tire was beyond repair.

We have kept one of the other tires in store (only 1,5 year old), just in case this would ever happen again.

MrMoogle

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Re: Overheard at Work
« Reply #20087 on: May 03, 2018, 08:26:04 AM »
I have heard stories of brand new 4WD owners trashing their new vehicles on the first outing. I have no idea why they wouldn't buy a $2K rusty 4WD wonder to bash through the woods with instead.

But but. It just wouldn't have that new car smell.

/s
Am I the only one who gets a headache from that horrible smell?

tophdna

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Re: Overheard at Work
« Reply #20088 on: May 03, 2018, 08:55:02 AM »
"No one is really ever debt free. People always have credit card payments, a car payment, and a mortgage/rent payment. It's ridiculous that you think you can get debt free."

Same person:

"Leasing is the cheapest way to own a car. You will always have a car payment, and I'd rather have something that is dependable that I can trade back in every so often, that way I do not have car repairs. You also get a deal on oil changes, etc."

Once I paid my car off, the response was:

"Your car is paid off and you're proud of that? What are you 70 years old?"

RidetheRain

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Re: Overheard at Work
« Reply #20089 on: May 03, 2018, 09:26:06 AM »
"No one is really ever debt free. People always have credit card payments, a car payment, and a mortgage/rent payment. It's ridiculous that you think you can get debt free."

Same person:

"Leasing is the cheapest way to own a car. You will always have a car payment, and I'd rather have something that is dependable that I can trade back in every so often, that way I do not have car repairs. You also get a deal on oil changes, etc."

Once I paid my car off, the response was:

"Your car is paid off and you're proud of that? What are you 70 years old?"

Jeez. I didn't know I had to be 70 in order to own my own car without a lease or finance. I'm going to have to go on the run. Maybe fake some leasing documents. I swear officer! I don't own my own car!

grandep

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Re: Overheard at Work
« Reply #20090 on: May 03, 2018, 09:33:46 AM »
"No one is really ever debt free. People always have credit card payments, a car payment, and a mortgage/rent payment. It's ridiculous that you think you can get debt free."

This makes me sad for this person.

Quote

Once I paid my car off, the response was:

"Your car is paid off and you're proud of that? What are you 70 years old?"

This actually made me laugh.

I do have a question about leasing, since I haven't really thought about it much: is it always a bad idea? Is there any situation where even a Mustachian would consider leasing, i.e. if I knew that I only needed a car for a couple of years? Or would it still be better in that case to buy a used car, use it for a few years, and then sell it back? I guess it depends on the situation.... but I'm mostly just curious.

ketchup

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Re: Overheard at Work
« Reply #20091 on: May 03, 2018, 09:48:56 AM »
I do have a question about leasing, since I haven't really thought about it much: is it always a bad idea? Is there any situation where even a Mustachian would consider leasing, i.e. if I knew that I only needed a car for a couple of years? Or would it still be better in that case to buy a used car, use it for a few years, and then sell it back? I guess it depends on the situation.... but I'm mostly just curious.
There are some edge cases (really good deal on an EV lease where you're using nearly all the allocated miles and no overage is mostly what I'm thinking of) where it could maybe pencil out.  But the rule of thumb is still definitely that it's a dumb idea.

MrMoogle

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Re: Overheard at Work
« Reply #20092 on: May 03, 2018, 09:51:51 AM »
I do have a question about leasing, since I haven't really thought about it much: is it always a bad idea? Is there any situation where even a Mustachian would consider leasing, i.e. if I knew that I only needed a car for a couple of years? Or would it still be better in that case to buy a used car, use it for a few years, and then sell it back? I guess it depends on the situation.... but I'm mostly just curious.
If your company is paying for it and wouldn't pay for you to buy one, then sell it back.

If you're just there for a year or two, if you buy a $5k car, you'll get most of it back selling it 2 years later, that leasing wouldn't make much sense.

If there is some reason owning is difficult due to being a foreigner or something like that, but leasing is easier.  Not sure where that might exist.  Like I can never really own land in Japan, not sure if there's something similar for cars somewhere.

If having a nicer car increases your profit somehow.  The only thing I can think of here that gets close is a limo driver, but most of those still own (I think).

mm1970

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Re: Overheard at Work
« Reply #20093 on: May 03, 2018, 10:44:15 AM »
Co-worker 1:  My husband and I can’t stand this cold weather anymore.  We’ve decided to take a sour-of-the-moment trip to Vegas.

Co-worker 2:  Aren’t you going on a cruise later this year, too?

Co-worker 1:  Oh, sure, but sometimes you just have to say “the hell with the bills, let’s treat ourselves”, you know?

(Two days later)

Co-worker 1:  Why do expensive things always happen right before a trip?   We got a flat tire, and it turns out that ALL our tires need replacing.   We’ll have to finance them; we don’t have the money.
Ah ha ha ha!  Just this morning, headed to work early (I thought) and "what's that loud noise?"  Turn around at the bottom of the hill, back home (about a mile total).  Tire flat as a pancake.

Change tire (husband does, anyway), stop at tire store on the way in, and the front two tires are bald as heck.  So guess what I get to do tomorrow!!

But I can afford it.

elliha

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Re: Overheard at Work
« Reply #20094 on: May 03, 2018, 11:27:04 AM »
My workplace is not that extreme. We are teacher so most of us are not actually wading in money so packed lunches are standard, many people go by bike, bus or train to work and some don't even own a car. However, we do have some spenders. One has been on two expensive holidays in the last month or so. Her husband is a nurse and I cannot believe that a nurse and a teacher easily affords two holidays in a month when she also buys Mercedes cars, Chanel purses, expensive jewelry, tons and tons of clothes and a lot of other expensive things. She has had health problems so she has the right to spend money apparently. The other spendy pants will buy most of his weekly shopping at a deli/luxury food store and the rest at the most expensive regular store in town. Just going to an average store, not looking for offers or so would probably be enough for him to cut his food cost in half.

RWD

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Re: Overheard at Work
« Reply #20095 on: May 03, 2018, 11:35:19 AM »
[...] and the front two tires are bald as heck.

Tires drastically lose wet traction after roughly 3 mm of tread depth. Unless you aren't driving on wet roads at all you should replace your tires before they reach the legal limit wear bars (1.6 mm). Driving on bald or nearly bald tires is very dangerous.

lbmustache

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Re: Overheard at Work
« Reply #20096 on: May 03, 2018, 11:52:34 AM »
[...] and the front two tires are bald as heck.

Tires drastically lose wet traction after roughly 3 mm of tread depth. Unless you aren't driving on wet roads at all you should replace your tires before they reach the legal limit wear bars (1.6 mm). Driving on bald or nearly bald tires is very dangerous.

Going to +1 this. Your tires shouldn't be at that point. I just drove past a huge chunk of tire on the freeway (what if it hit someone, or someone hit it, or the car spun out of control, etc.) that I guarantee was the remains of a bald tire blowing out.

CptCool

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Re: Overheard at Work
« Reply #20097 on: May 04, 2018, 08:55:19 AM »
[...] and the front two tires are bald as heck.

Tires drastically lose wet traction after roughly 3 mm of tread depth. Unless you aren't driving on wet roads at all you should replace your tires before they reach the legal limit wear bars (1.6 mm). Driving on bald or nearly bald tires is very dangerous.

Going to +1 this. Your tires shouldn't be at that point. I just drove past a huge chunk of tire on the freeway (what if it hit someone, or someone hit it, or the car spun out of control, etc.) that I guarantee was the remains of a bald tire blowing out.

IDK, I see a ton of tire fragments on the road, but I think the're one of the 18 wheels from a semi truck - not sure why they seem to blow out so frequently, perhaps overloading?

LennStar

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Re: Overheard at Work
« Reply #20098 on: May 04, 2018, 08:57:12 AM »
"No one is really ever debt free. People always have credit card payments, a car payment, and a mortgage/rent payment. It's ridiculous that you think you can get debt free."

This makes me sad for this person.

Quote

Once I paid my car off, the response was:

"Your car is paid off and you're proud of that? What are you 70 years old?"

This actually made me laugh.

I do have a question about leasing, since I haven't really thought about it much: is it always a bad idea? Is there any situation where even a Mustachian would consider leasing, i.e. if I knew that I only needed a car for a couple of years? Or would it still be better in that case to buy a used car, use it for a few years, and then sell it back? I guess it depends on the situation.... but I'm mostly just curious.

Let's look at it from the other perspective: Why are car sellers so happy to give you a lease? Much preferred to cash?


@bald tires:
puts mouth to your ears
ARE YOU A COMPLETE IDIOT??
Consider MMM punches you in the face three times for being deadly stupid.
As with having winter tires, having tires that aren't too low on profile is one of the biggest impacts on car safety (just after having working brakes). Not having that is not saving money, it is playing with your life. Without life, money is useless.

Personally I opt for 4mm lowest, but of course I never get there anyway, tires always are too old before that happens.


IDK, I see a ton of tire fragments on the road, but I think the're one of the 18 wheels from a semi truck - not sure why they seem to blow out so frequently, perhaps overloading?
Can also be not enough (or too much) pressure in the tires. 

TheGrimSqueaker

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Re: Overheard at Work
« Reply #20099 on: May 04, 2018, 09:41:05 AM »
"No one is really ever debt free. People always have credit card payments, a car payment, and a mortgage/rent payment. It's ridiculous that you think you can get debt free."

This makes me sad for this person.

Quote

Once I paid my car off, the response was:

"Your car is paid off and you're proud of that? What are you 70 years old?"

This actually made me laugh.

I do have a question about leasing, since I haven't really thought about it much: is it always a bad idea? Is there any situation where even a Mustachian would consider leasing, i.e. if I knew that I only needed a car for a couple of years? Or would it still be better in that case to buy a used car, use it for a few years, and then sell it back? I guess it depends on the situation.... but I'm mostly just curious.

Let's look at it from the other perspective: Why are car sellers so happy to give you a lease? Much preferred to cash?


@bald tires:
puts mouth to your ears
ARE YOU A COMPLETE IDIOT??
Consider MMM punches you in the face three times for being deadly stupid.
As with having winter tires, having tires that aren't too low on profile is one of the biggest impacts on car safety (just after having working brakes). Not having that is not saving money, it is playing with your life. Without life, money is useless.

Personally I opt for 4mm lowest, but of course I never get there anyway, tires always are too old before that happens.


IDK, I see a ton of tire fragments on the road, but I think the're one of the 18 wheels from a semi truck - not sure why they seem to blow out so frequently, perhaps overloading?
Can also be not enough (or too much) pressure in the tires.

You're right about the transport trucks, but what you're seeing is generally pieces of a thrown retread.

Here's how it works. Those big 18-wheel trucks put a lot of miles on their tires, so there's wear. But the part that wears is generally the treads. So some enterprising individual had an idea: take the basically good but bald steel-belted tires, and put new rubber treads on them, and get more wear out of the tire. It's good for the environment (fewer tires in landfills), it gets more life out of the rest of the tire, and it allows truckers and trucking companies to pay less for tires. Retread tires cost less than new, and having the option of buying retreads keeps the cost of new tires from getting out of control. Win-win-win, right? But there's a down side. A retread tire won't last as long as a new one and they are more vulnerable to heat and friction. They don't wear quite the same way as a tire that is all in one piece. When a new tire wears out, either there's a puncture or the tread wears down almost uniformly.

When a retread wears out, what breaks down is the adhesive that holds the tread to the tire. Drivers are supposed to inspect their tires after every rest stop, but in practice that's like vehicle maintenance and sleep: something that generally gets skipped because of schedule. Chunks of tread are thrown off as the tire spins around (the driver is often unaware it's happening), and when the tire gets way to asymmetrical the entire tread peels off, gets whipped around and possibly driven over by the vehicle's other tires, and gets flung up and out. You do *not* want to be anywhere near the truck when it happens. It will come through your windshield at well over 100 km/h and it can weigh 5 kilos or more. It's like a brick coming through the window. People die from this especially on motorcycles. So, if you see what looks like a whole tire by the side of the road but it's missing the sidewalls, that's a thrown retread. Also, if you're near a big truck on the highway and see pieces of tire flying off or a wobbly-looking tire, GTF away and warn the driver if you can. The only safe place is in front of the vehicle, or with some other large object between you and it, or at least 100m behind it so you can see which direction the thrown retread goes so that you can drive around it. Like all debris it tends to migrate toward the right rear... which is another fabulous reason to never pass a big truck from the right.