Author Topic: Mustachian People Problems (just for fun)  (Read 801321 times)

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #1450 on: June 19, 2015, 01:42:29 PM »
I've found it's quite stressful living paycheck to paycheck now. I have to meticulously add up my expected expenses to ensure that my checking account doesn't overdraft after I transfer my ongoing net income to Vanguard

I tought I live a stress because I keep an average balance of about 10k$ in the checking account and shoveling everything else into Vanguard index ETFs and killing mortgage principal!

I hate this kind of stress and always kept enough of a buffer in the account so i didn't need to worry about small discrepancies.  Stress kills and I prefer living.
Yep.  Once mis-timed some things while keeping my checking account as close to zero as possible, ended up returning a rent check, costing me about $200 total in extra fees and a lot of hassle and stress (including a scary letter and some pissed off roommates).  Not worth it.

Le Barbu

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Re: Mustachian People Problems (just for fun)
« Reply #1451 on: June 19, 2015, 02:10:39 PM »
I've found it's quite stressful living paycheck to paycheck now. I have to meticulously add up my expected expenses to ensure that my checking account doesn't overdraft after I transfer my ongoing net income to Vanguard

I tought I live a stress because I keep an average balance of about 10k$ in the checking account and shoveling everything else into Vanguard index ETFs and killing mortgage principal!

I hate this kind of stress and always kept enough of a buffer in the account so i didn't need to worry about small discrepancies.  Stress kills and I prefer living.
Yep.  Once mis-timed some things while keeping my checking account as close to zero as possible, ended up returning a rent check, costing me about $200 total in extra fees and a lot of hassle and stress (including a scary letter and some pissed off roommates).  Not worth it.


To me, having 5,000$ in my checking account is like many people arround me having 50$, I feel broke even tough I know everything will be fine. Can't believe they go out tonight, spending 100$ each with money that was deposit on thurday. Next week, we dont't get paid so spending will be reduced accordingly :(
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Sam E

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Re: Mustachian People Problems (just for fun)
« Reply #1452 on: June 19, 2015, 03:21:54 PM »
I've found it's quite stressful living paycheck to paycheck now. I have to meticulously add up my expected expenses to ensure that my checking account doesn't overdraft after I transfer my ongoing net income to Vanguard

I tought I live a stress because I keep an average balance of about 10k$ in the checking account and shoveling everything else into Vanguard index ETFs and killing mortgage principal!

I hate this kind of stress and always kept enough of a buffer in the account so i didn't need to worry about small discrepancies.  Stress kills and I prefer living.
Yep.  Once mis-timed some things while keeping my checking account as close to zero as possible, ended up returning a rent check, costing me about $200 total in extra fees and a lot of hassle and stress (including a scary letter and some pissed off roommates).  Not worth it.


To me, having 5,000$ in my checking account is like many people arround me having 50$, I feel broke even tough I know everything will be fine. Can't believe they go out tonight, spending 100$ each with money that was deposit on thurday. Next week, we dont't get paid so spending will be reduced accordingly :(

That's okay, if I pay with my credit card I have all month before I worry about whether I can afford something I already spent money on!  ;)

jengod

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Re: Mustachian People Problems (just for fun)
« Reply #1453 on: June 19, 2015, 03:26:02 PM »
So used to shopping, cooking and eating simple whole foods that I'm not even sure how to use a $15 off $50 coupon at our new neighborhood Whole Foods.

How about buying some whole foods at Whole Foods? They have quite a selection. ;-)

Yeah, but I can get almost all their whole foods cheaper at Sprouts. I'm going to check my price book and play around a little. I think I decided I might just use the 30-percent off coupon to stock up on expensive high-quality fats: Kerrygold grass-fed butter, Dr. Bronner's coconut oil, Crown Prince canned brisling sardines, 365-store-brand canned wild Alaska salmon and possibly some pine nuts. That should get me up to $50 fairly quickly.

I'm going to their "value/budget buying" in-store tour on Friday, I need to ask how many items you need to buy to get the case-lot discount.

Well you will be getting a 30% discount on anything you buy up to $50, so might as well splurge a little. Are the costs at Sprouts really more than 30% cheaper? Don't know as I don't have a Sprouts around me. Good idea to buy stuff at Whole Foods 30% off that you can't find at Sprouts.

I stocked up the butter, the sardines, $12 of fancypants nectarines and a couple of gourmet lunchables boxes for my kids that violate all sense and personal values but we made for a nice break from cooking and cleanup. No lunch prep/cleanup today and now my kitchen is CLEEEEAAAAAN, whoo-hoo.

(FWIW, canned beans are $1.39 at WF, and $0.99 at Sprouts, just for example. I also try to avoid excess packaging where possible--although I obv. violated that with the lunchables. This is all small potatoes stuff!)

Thank you all for your attention to this dull-normal grocery topic. :)
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Re: Mustachian People Problems (just for fun)
« Reply #1454 on: June 19, 2015, 11:41:52 PM »
I got a new rainbarrel and hooked it up to the drain so that I could water the garden in dry spells. Yesterday we had a small shower and the barrel was completely full (about 25 gallons of it). Now I feel that I should have gotten a bigger barrel for more free water :/


That problem doesn't go away, it just scales up. My grandparents looked at their 5000 litre (approx. 1000 gallon) tank overflowing and decided they needed another one. Farmers ...

Shamantha

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Re: Mustachian People Problems (just for fun)
« Reply #1455 on: June 21, 2015, 08:44:33 AM »
I have a Canadian American Express gift card, and I can use it at Apple and Amazon for example, I do not live in Canada so have limited options to spend it. And even though it was free money, I am so reluctant to spend it! I would rather cash it and invest or put towards the mortgage, but have to spend it on stuff I do not really, really need. I am surprised how tough it is.

Rubic

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Re: Mustachian People Problems (just for fun)
« Reply #1456 on: June 21, 2015, 08:52:17 AM »
I have a Canadian American Express gift card, and I can use it at Apple and Amazon for example, I do not live in Canada so have limited options to spend it. And even though it was free money, I am so reluctant to spend it! I would rather cash it and invest or put towards the mortgage, but have to spend it on stuff I do not really, really need. I am surprised how tough it is.

Why not sell it on ebay for cash?

Shamantha

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Re: Mustachian People Problems (just for fun)
« Reply #1457 on: June 21, 2015, 09:03:04 AM »
Not sure how that would work with international money transfer? And how can the person buying it ensure that it has not been used?

Edit: Just read up on it. It could work via ebay -> paypal -> bank account, but paypal would take 2,5% for currency exchange. I would also have to pay for international insured shipping, three times for three cards, as ebay allows only one giftcard to be sold per week. Might be worth it still, thanks for the tip.
« Last Edit: June 21, 2015, 09:47:22 AM by Shamantha »

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #1458 on: June 21, 2015, 09:44:28 AM »
Our company accountant didn't believe me that adding 10% tax to an amount is equivalent to multiplying by 1.1, they insisted on working out the 0.1 tax and then adding the original - my way was "just your theory" !!!!!

ps. I have 2 graduate degrees in nuclear physics and I'm head of R&D,  I think you can trust me to do basic arithmetic



merula

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Re: Mustachian People Problems (just for fun)
« Reply #1459 on: June 21, 2015, 09:49:19 AM »
Our company accountant didn't believe me that adding 10% tax to an amount is equivalent to multiplying by 1.1, they insisted on working out the 0.1 tax and then adding the original - my way was "just your theory" !!!!!

ps. I have 2 graduate degrees in nuclear physics and I'm head of R&D,  I think you can trust me to do basic arithmetic

Please tell me this person doesn't have an actual accounting degree or a CPA or anything. Please.

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #1460 on: June 21, 2015, 09:59:55 AM »
Please tell me this person doesn't have an actual accounting degree or a CPA or anything. Please.
Probably officially the office manager, payroll is outsourced (thankfully) but they do the expenses spreadsheet.

Although I have met lots of people in finance who are incapable of estimating results and will believe anything the spreadsheet tells them.
I was once congratulated in an AGM for landing a $XXXX massive foreign contract.
I later (away from the shareholders) explained it was for less than 1/100 of that - it was just a small consulting assignment.
The euro currency symbol hadn't been displayed in their email but instead the numeric code had been printed in front of the amount - and they had believed it.

« Last Edit: June 21, 2015, 11:23:40 AM by nobodyspecial »

mozar

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Re: Mustachian People Problems (just for fun)
« Reply #1461 on: June 21, 2015, 11:06:17 AM »
Quote
Our company accountant didn't believe me that adding 10% tax to an amount is equivalent to multiplying by 1.1, they insisted on working out the 0.1 tax and then adding the original - my way was "just your theory" !!!!!

Trust but verify. Seriously though I never believe estimates, and I was taught not to estimate things.
Embracing the absurd condition of human existence while also defiantly continuing to explore and search for meaning

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #1462 on: June 21, 2015, 11:17:43 AM »
Trust but verify. Seriously though I never believe estimates, and I was taught not to estimate things.
You should always estimate things first - especially if a computer is involved.
House is about 30x30 ft so one inch of rain fills 20gallons.
3x3 is about 10, and 10x10 is 100 so that's about 1000sq ft, divide by 10 for 1 inch = 100 cu ft. A 5 gallon bucket is about a ft on a side so say 20 gallons.
If the computer says 123,456.789 then you probably pressed a wrong button or had something in metric

Funnily enough the more difficult the problem, the more you should estimate because the more chance of getting a wrong answer somewhere


« Last Edit: June 21, 2015, 11:22:42 AM by nobodyspecial »

Arktinkerer

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Re: Mustachian People Problems (just for fun)
« Reply #1463 on: June 21, 2015, 11:44:46 AM »
I got a new rainbarrel and hooked it up to the drain so that I could water the garden in dry spells. Yesterday we had a small shower and the barrel was completely full (about 25 gallons of it). Now I feel that I should have gotten a bigger barrel for more free water :/


That problem doesn't go away, it just scales up. My grandparents looked at their 5000 litre (approx. 1000 gallon) tank overflowing and decided they needed another one. Farmers ...

Unless you have extremely high water bills it is less expensive to buy water than pay for the water barrel.  That said, I use one we scrounged.  I am also setting up two more barrels for drip irrigation.  The idea is that we fill the barrels and let the drippers run so we use less water. 

If you know someone that has cattle they will often have a large number of the mineral buckets--about 20-30 gallon short black barrels with lids.  Make great planters or small water barrels.

wauske

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Re: Mustachian People Problems (just for fun)
« Reply #1464 on: June 21, 2015, 12:03:30 PM »
I got a new rainbarrel and hooked it up to the drain so that I could water the garden in dry spells. Yesterday we had a small shower and the barrel was completely full (about 25 gallons of it). Now I feel that I should have gotten a bigger barrel for more free water :/


That problem doesn't go away, it just scales up. My grandparents looked at their 5000 litre (approx. 1000 gallon) tank overflowing and decided they needed another one. Farmers ...

Unless you have extremely high water bills it is less expensive to buy water than pay for the water barrel.  That said, I use one we scrounged.  I am also setting up two more barrels for drip irrigation.  The idea is that we fill the barrels and let the drippers run so we use less water. 

If you know someone that has cattle they will often have a large number of the mineral buckets--about 20-30 gallon short black barrels with lids.  Make great planters or small water barrels.

True but rainwater has less minerals - which our tapwaters has lots of - which is appearently better for our veggie garden. And in case of a water outage we can flush the can with our barrel water saving the stuff in the fridge for consumption :P
Everything I say is my personal opinion which is based on my subjective experience.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #1465 on: June 21, 2015, 04:22:47 PM »
You guys and your rain barrels are cracking me up!  There is no reason for us to save water, in fact we spend plenty getting drainage and gutter systems working so that our basement stays dry and the driveway doesn't wash away!

forummm

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Re: Mustachian People Problems (just for fun)
« Reply #1466 on: June 21, 2015, 04:24:32 PM »
Coworker brought me a Starbucks gift card as a thanks for helping Her out. I didn't have the heart to tell her I haven't been in a Starbucks since 2012 and have no wish to drive 15 miles each way in the wrong direction to get to one and then buy nasty coffee. Guess I'll sell it.

I had the same issue. I have never bought anything at Starbucks before and don't drink coffee. I used it in the office white elephant gift exchange the next year.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #1467 on: June 21, 2015, 04:41:58 PM »
Coworker brought me a Starbucks gift card as a thanks for helping Her out. I didn't have the heart to tell her I haven't been in a Starbucks since 2012 and have no wish to drive 15 miles each way in the wrong direction to get to one and then buy nasty coffee. Guess I'll sell it.

I had the same issue. I have never bought anything at Starbucks before and don't drink coffee. I used it in the office white elephant gift exchange the next year.


That's a really good idea, best yet. Mine is a family thing rather than office, but that's perfect.

forummm

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Re: Mustachian People Problems (just for fun)
« Reply #1468 on: June 21, 2015, 04:56:55 PM »
Coworker brought me a Starbucks gift card as a thanks for helping Her out. I didn't have the heart to tell her I haven't been in a Starbucks since 2012 and have no wish to drive 15 miles each way in the wrong direction to get to one and then buy nasty coffee. Guess I'll sell it.

I had the same issue. I have never bought anything at Starbucks before and don't drink coffee. I used it in the office white elephant gift exchange the next year.


That's a really good idea, best yet. Mine is a family thing rather than office, but that's perfect.

It was really popular and got stolen the max number of times. One man's trash is another man's treasure.

And I didn't have to think of anything or waste any money. I also save the gifts and regift them. DW and I swap sometimes so the same people don't remember the thing from last year.

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #1469 on: June 22, 2015, 10:36:50 PM »
[lengthy discussion of intentional paycheck-to-paycheck strategies vs. buffer (& "butter"!) cash]
Yep.  Once mis-timed some things while keeping my checking account as close to zero as possible, ended up returning a rent check, costing me about $200 total in extra fees and a lot of hassle and stress (including a scary letter and some pissed off roommates).  Not worth it.
I found a convenient way around this that still kinda simulates the experience depending on your reason for wanting to run at a net-zero: I have my paycheck split three ways - an only-slightly conservative 'excess' to the investment account, a specific hard amount to a high-yield money market account and the remainder to my checking account. The money market covers rent and utilities - since those are stable amounts I can always be sure I'll have enough, and I can collect a sad weenie .8% on it meanwhile. Almost all the spending gets paid out of checking (generally as a single credit card bill for bills, and debit transactions for groceries).

While the checking account handles fluctuating expenses, so it's not truly net-zero each month, I make a game of having as much left over as possible. Due to my greedy investment slice of the pie the checking has only smallish, conceptually graspable amounts deposited; I feel like my "paycheck" is a couple hundred bucks, so there's a lot of psychological satisfaction in watching it snowball and very little temptation to adapt to even double-digit amounts as comfortable sums to be splashing about.

jezebel

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Re: Mustachian People Problems (just for fun)
« Reply #1470 on: June 24, 2015, 02:08:22 PM »
I am pissed at myself because I wanted to put some money in my Vanguard IRA today and I missed the 4pm deadline by 30 seconds.  damn it

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #1471 on: June 25, 2015, 02:51:46 AM »
I am pissed at myself because I wanted to put some money in my Vanguard IRA today and I missed the 4pm deadline by 30 seconds.  damn it

Does anyone else wonder if these old-fashioned deadlines are still necessary from a technology standpoint? They are just a way for institutions to hold our money and not pay any interest, right? So annoying (and my bank is 3:30pm!)

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #1472 on: June 25, 2015, 06:02:56 AM »
I am pissed at myself because I wanted to put some money in my Vanguard IRA today and I missed the 4pm deadline by 30 seconds.  damn it

Does anyone else wonder if these old-fashioned deadlines are still necessary from a technology standpoint? They are just a way for institutions to hold our money and not pay any interest, right? So annoying (and my bank is 3:30pm!)
This annoys me all the time!  My old bank was a "real time" bank, transactions would show up instantly no matter what time of the day or night the bank received them.  Then when I got married I switched over to DH's bank.  I was super surprised to find out that my new bank didn't do that!

Nickyd£g

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Re: Mustachian People Problems (just for fun)
« Reply #1473 on: June 25, 2015, 07:48:16 AM »
I am leaving my company for a new job next week, and yesterday some of my team took me out to lunch - I had specified a nice Italian restaurant nearby that does a deal - £8 [$12] for a main meal and a soft drink, everyone loved it and commented how cheap it was for the quality and quantity of food.  A colleague had very kindly baked a cake, so we had that when we went back to work.  I was very happy with all that. 

Then, they surprised me with gifts: £50 [$80] gift card to a huge department store, a stick blender, wine, and "because you always bring your lunch to work!" a very fancy glass lunch box!  I was very touched, and overwhelmed by their generosity but a little part of my mind was thinking "WTF?! I have a lunch box.  And a stick blender that works fine.  And what the hell am I going to buy in the department store?!"

And then today, I looked up how much the blender was - £50!  and the lunchbox was £20!

I am the first person to leave the company, as the project we have been working on ends in October and I didn't want to be sitting around waiting for that.  And I have been here 6 years.  But still, I'm pretty amazed they seem to have spent about £150 on me...Wow!

I think I'm going to return the blender to the very fancy kitchen ware place they bought it from and see if I can get the cash, or if not some other useful utensils.
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Re: Mustachian People Problems (just for fun)
« Reply #1474 on: June 25, 2015, 12:15:24 PM »
I am leaving my company for a new job next week, and yesterday some of my team took me out to lunch - I had specified a nice Italian restaurant nearby that does a deal - £8 [$12] for a main meal and a soft drink, everyone loved it and commented how cheap it was for the quality and quantity of food.  A colleague had very kindly baked a cake, so we had that when we went back to work.  I was very happy with all that. 

Then, they surprised me with gifts: £50 [$80] gift card to a huge department store, a stick blender, wine, and "because you always bring your lunch to work!" a very fancy glass lunch box!  I was very touched, and overwhelmed by their generosity but a little part of my mind was thinking "WTF?! I have a lunch box.  And a stick blender that works fine.  And what the hell am I going to buy in the department store?!"

And then today, I looked up how much the blender was - £50!  and the lunchbox was £20!

I am the first person to leave the company, as the project we have been working on ends in October and I didn't want to be sitting around waiting for that.  And I have been here 6 years.  But still, I'm pretty amazed they seem to have spent about £150 on me...Wow!

I think I'm going to return the blender to the very fancy kitchen ware place they bought it from and see if I can get the cash, or if not some other useful utensils.

Yes, when I got married I got a lot of random crap I didn't need, want, or request.  Boo hop me right?  But what am I gonna do with this POS coffeemaker?  Probably donate or regift.

Geostache

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Re: Mustachian People Problems (just for fun)
« Reply #1475 on: June 25, 2015, 01:19:47 PM »
Since I came across MMM last October, I've been conditioning myself to scrutinize every purchase I make, and assess whether or not it is something that will add to my life. As a result, our monthly expenditures have been reduced by 50-60% (where did all of that money go before?).

We're looking to move in the next year or so. Our existing house has some much-needed repairs in order to prepare it to either rent or sell. Since I've gotten our household expenditures so low, now that we're doing the repairs, I feel like we're hemorrhaging money. All of it has been budgeted for, but with so much money going out the door at the same time, I'm having a minor panic attack!

[Edited to add clarifying statement about why we are doing repairs].
« Last Edit: June 25, 2015, 01:41:09 PM by Geostache »

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #1476 on: June 25, 2015, 01:35:56 PM »
I am pissed at myself because I wanted to put some money in my Vanguard IRA today and I missed the 4pm deadline by 30 seconds.  damn it

Does anyone else wonder if these old-fashioned deadlines are still necessary from a technology standpoint? They are just a way for institutions to hold our money and not pay any interest, right? So annoying (and my bank is 3:30pm!)
This annoys me all the time!  My old bank was a "real time" bank, transactions would show up instantly no matter what time of the day or night the bank received them.  Then when I got married I switched over to DH's bank.  I was super surprised to find out that my new bank didn't do that!

Interbank money transfers are run through FedWire or ACH, both essentially controlled by the Federal Reserve (I don't know all the particular details).

They've recently started some studies on whether it would be worthwhile to upgrade the systems with real-time clearing.

It's not a question of technical capability, it's a question of cost/benefit analysis.  The system today works on settling all money once a day.  That is, if $150 moves from BOFA to Chase today, and $100 moves from Chase to BOFA, they'll just send $50 to Chase at the end of the day.  It's simple, efficient, and annoying.

Real-time would have billions of dollars flowing back and forth every second of the day.  Every bank from the smallest credit union to Chase would have to spend tons of money re-writing all their complex and mostly proprietary software.  Whether or not it's worth it, I don't know.

infogoon

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Re: Mustachian People Problems (just for fun)
« Reply #1477 on: June 26, 2015, 07:20:18 AM »
We're looking to move in the next year or so. Our existing house has some much-needed repairs in order to prepare it to either rent or sell. Since I've gotten our household expenditures so low, now that we're doing the repairs, I feel like we're hemorrhaging money. All of it has been budgeted for, but with so much money going out the door at the same time, I'm having a minor panic attack!

I'm going through the same thing; we have a bunch of repairs on our house that need to be done this summer, and it's all stuff that we can afford. I just hate to see a big check going to the paving company rather than my Vanguard account.

1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #1478 on: June 27, 2015, 01:42:18 AM »
We can't zip in and out of the library any more...all the librarians know us by name (and vice versa) so its always a chance to catch up on family news, etc. Bonus points: the kids spend more time in the stacks.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1479 on: June 29, 2015, 08:32:12 AM »
My car needs gas- I haven't filled up in 48 days...  I only have 30 miles left on the tank...
But gas is 5% cashback starting July...

And it is pouring rain...so I'm driving. 

I really hope I can make it.

bzzzt

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Re: Mustachian People Problems (just for fun)
« Reply #1480 on: June 30, 2015, 06:06:06 PM »
My car needs gas- I haven't filled up in 48 days...  I only have 30 miles left on the tank...

For those who don't know, most fuel pumps of gas fueled vehicles are in the tank. When the tank is run low, you run the risk of two things. First, the pumps use the fuel around them to cool themselves. Second, when the tank is run low, the pump ends up sucking a bunch of sediment off the bottom of the tank and this can clog the fuel pump pickup ("sock"). Even if it's only a partial clog, it makes the pump work harder to move the fuel and decreases it's life. On top of that, anything small enough to make it through the sock should then be caught by the fuel filter, reducing it's flow.

Chancing the fuel pump to save 5% on a tank of fuel could be an effort in "pay a little now, or a lot later".

For those who will try to refute this info, it's my personal experience. My mom is not good with money and would rather go shopping than put fuel in her cars. TWICE, I've been involved in putting fuel pumps in her vehicles because "don't worry, this gauge goes past E"... *rage*

1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #1481 on: June 30, 2015, 09:27:10 PM »
At this time of year, it looks like we aren't home or we are asleep because the blinds are all shut to keep some of the heat out.

OlyFish

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Re: Mustachian People Problems (just for fun)
« Reply #1482 on: June 30, 2015, 09:43:45 PM »
I did have an actual problem the other day so I'm not sure how much of it was a mustachian problem, but I had to send a certified check or money order for a large amount of cash and couldn't figure out how to access my gobs of moolah in short order. Since I don't usually get out lots of cash I didn't realize my main interest-bearing account where I hold cash had a $500 limit/day; there wasn't any money in my account in town because I always transfer out of it so quickly to investments and interest-bearing accounts; I have other interest-bearing accounts like Ally and ING but don't carry the cards with me nor do I have the PINs memorized.  So it was sort of a water water everywhere but not a drop to drink scenario.

I figured something out but for future reference, the post office will take debit cards to purchase money orders (and the daily limit doesn't apply to purchases, just cash).

My bank (USAA)  typically has a $600 limit on ATM withdrawals, but if you call then they will raise the limit for a day, to basically whatever you want if I rememer correctly. We had to do this when we needed to pay in cash for a two week stay in an apartment in Paris, for our honeymoon, and wanted to get the best exchange rates. I am not sure if all banks do this, but it's worth calling the customer support to see if they will make an exception for you.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1483 on: July 01, 2015, 07:40:05 AM »
Quote
For those who don't know, most fuel pumps of gas fueled vehicles are in the tank.
Interesting. This is only the 5th time I've put gas in this car, so I don't think there is a lot of sedimentation built up to worry about.

I didn't run out.  The bar on the fuel gauge did start blinking at me, which I've never seen.

My car is now 7 months old and I have 1,628 miles on it.  Hyundai tells me I should be doing my 6 month, 7,500 mile service.

SweetLife

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Re: Mustachian People Problems (just for fun)
« Reply #1484 on: July 01, 2015, 08:08:31 AM »
Turning down the 15 or so people who ask me if I want a Timmy's coffee ($1.85) EVERY SHIFT ... while I go calmly and make my own (counting that $1.85 as putting water on my "hair-on-fire"!) ...

Merrie

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Re: Mustachian People Problems (just for fun)
« Reply #1485 on: July 04, 2015, 10:14:16 PM »
My car needs gas- I haven't filled up in 48 days...  I only have 30 miles left on the tank...

For those who don't know, most fuel pumps of gas fueled vehicles are in the tank. When the tank is run low, you run the risk of two things. First, the pumps use the fuel around them to cool themselves. Second, when the tank is run low, the pump ends up sucking a bunch of sediment off the bottom of the tank and this can clog the fuel pump pickup ("sock"). Even if it's only a partial clog, it makes the pump work harder to move the fuel and decreases it's life. On top of that, anything small enough to make it through the sock should then be caught by the fuel filter, reducing it's flow.

Chancing the fuel pump to save 5% on a tank of fuel could be an effort in "pay a little now, or a lot later".

For those who will try to refute this info, it's my personal experience. My mom is not good with money and would rather go shopping than put fuel in her cars. TWICE, I've been involved in putting fuel pumps in her vehicles because "don't worry, this gauge goes past E"... *rage*

How low is too low? I usually fill up at around 1/4 or 1/8 of a tank, but every once in a while we plan poorly and the empty light comes on. If this is a really awful practice we can learn to plan better.

Sanne

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Re: Mustachian People Problems (just for fun)
« Reply #1486 on: July 05, 2015, 08:16:38 AM »
Can't communicate with my friends anymore or relate to things.

Went shopping with some of my friends to buy gifts for another friend (we always do this together so we can buy something someone actually wants so this is a good thing actually, we bought her a giftcard for a D.I.Y.shop because they recently moved and some plants for the garden) and one of my friends kept wanting to try on clothes while saying she can't afford anything right now.. She kept trying things on and complaining about money problems at the same time. Then she said she already bought a  lot of clothes a week ago because there was a sale somewhere. Then she said she was going to the movies with another friend that same day. I said going to the movies is not cheap so why is she going. She responded with something like 'what else should I do, I should do something' and 'I really want to see that movie'.. It's always the same with her..

Another friend wanted some earrings because celebrities are wearing them? 

bzzzt

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Re: Mustachian People Problems (just for fun)
« Reply #1487 on: July 05, 2015, 09:21:23 AM »
How low is too low? I usually fill up at around 1/4 or 1/8 of a tank, but every once in a while we plan poorly and the empty light comes on. If this is a really awful practice we can learn to plan better.

Depends on the accuracy of your fuel gauge and the size of the tank. On cars with smaller tanks, I tend to make 1/4 a hard rule because there is less margin.

Ex. I had a Ford 1-ton van with a 36 gal tank that was shaped narrow and tall. The fuel light would come on at 7 gallons, so I didn't mind seeing it as much. On my old Saturn with a 12 gal wide, short tank, I didn't like running it past 1/4 because it would be more prone to sloshing the sediment.

Most people don't care because they don't keep their cars long and it takes a while to plug the pickup and burn out the pump, but I don't usually purchase them until they're at the bottom of the depreciation curve (~8-10 years). So, I worry about preventative maintenance more than most.

TheBuddha

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Re: Mustachian People Problems (just for fun)
« Reply #1488 on: July 05, 2015, 11:15:08 AM »
When I pay my student loans I always have to click past the warning "Your payment total is over $1,000. Continue?" like it's some kind of mistake.

Debt-free as of 9/11/15. Paid off $50k in 3.5 years.

Latwell

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Re: Mustachian People Problems (just for fun)
« Reply #1489 on: July 05, 2015, 02:09:35 PM »
When I pay my student loans I always have to click past the warning "Your payment total is over $1,000. Continue?" like it's some kind of mistake.

This always confuses me!!!! I go to make my payment, and it says, "the amount you are about to pay doesn't match the payment due."(or something very similar). This then throws me off and I click cancel and triple check my numbers to make sure I didn't miss something, though I know I didn't make a mistake!

Cougar

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Re: Mustachian People Problems (just for fun)
« Reply #1490 on: July 05, 2015, 09:56:39 PM »
When I pay my student loans I always have to click past the warning "Your payment total is over $1,000. Continue?" like it's some kind of mistake.

they're always going to give warnings to cover themselves and you. it's easiers for them to program in a confirmation message than pay for a bunch of staff to take calls all day because someone fatfingered their payment and is now complaining because their checking account is overdrawn.


booked a vacation to my favorite place(breckenridge, co) and since its middle of summer, everyone else is taking vacation and colorado is a big vacation spot so car rental rates are 3 times what they normally are.
i seriously considered going somewhere else just because i didn't want to pay the extra that everyone else renting a car in colorado is during that time.
« Last Edit: July 05, 2015, 10:04:10 PM by Cougar »

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #1491 on: July 05, 2015, 11:21:49 PM »
My car needs gas- I haven't filled up in 48 days...  I only have 30 miles left on the tank...

For those who don't know, most fuel pumps of gas fueled vehicles are in the tank. When the tank is run low, you run the risk of two things. First, the pumps use the fuel around them to cool themselves. Second, when the tank is run low, the pump ends up sucking a bunch of sediment off the bottom of the tank and this can clog the fuel pump pickup ("sock"). Even if it's only a partial clog, it makes the pump work harder to move the fuel and decreases it's life. On top of that, anything small enough to make it through the sock should then be caught by the fuel filter, reducing it's flow.

Chancing the fuel pump to save 5% on a tank of fuel could be an effort in "pay a little now, or a lot later".

For those who will try to refute this info, it's my personal experience. My mom is not good with money and would rather go shopping than put fuel in her cars. TWICE, I've been involved in putting fuel pumps in her vehicles because "don't worry, this gauge goes past E"... *rage*

How low is too low? I usually fill up at around 1/4 or 1/8 of a tank, but every once in a while we plan poorly and the empty light comes on. If this is a really awful practice we can learn to plan better.

I have a question on fuel efficiency and tank usage that maybe you can answer or see if it's related to the above.

My car has a computer which calculates mpg and miles left per tank of gas left. When I first fill the tank, I reset the settings so that I can see how my fuel efficiency is for each tank. When I first refill the tank, the mpg is higher than when I am down to a quarter of a tank. For example, my mpg driving during the first half of the tank is say an average of 34-36 mpg. Then as I am nearing empty (especially less than 1/4 of a tank), the average mpg starts going down more to the 32 mpg range. Same thing with miles left per tank. When I first refill the tank, it says about 430 miles left to go - but then I can only really get about 360-380 miles per tank.

I had chalked it all up to a poor algorithm in calculating fuel efficiency and maybe the software has a hard time calculating stuff on a full tank. But now I'm wondering if my fuel efficiency is really greater driving the first half of my tank vs. the last quarter of the tank.

For the record, I have a long commute so I try to drive down to empty as close as possible in order to minimize the number of trips to the gas station.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1492 on: July 06, 2015, 06:54:45 AM »

My car has a computer which calculates mpg and miles left per tank of gas left. When I first fill the tank, I reset the settings so that I can see how my fuel efficiency is for each tank. When I first refill the tank, the mpg is higher than when I am down to a quarter of a tank. For example, my mpg driving during the first half of the tank is say an average of 34-36 mpg. Then as I am nearing empty (especially less than 1/4 of a tank), the average mpg starts going down more to the 32 mpg range. Same thing with miles left per tank. When I first refill the tank, it says about 430 miles left to go - but then I can only really get about 360-380 miles per tank.


I noticed in my last car that I got better mileage on the first half of the tank than the second half.

But on THIS car I noticed that the MPG calculator seems to be always overestimating what my mileage is when I do the math myself based on miles driven (on the odometer) by the amount of gas I had to put into the tank to get it back to full.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1493 on: July 06, 2015, 08:09:05 AM »

My car has a computer which calculates mpg and miles left per tank of gas left. When I first fill the tank, I reset the settings so that I can see how my fuel efficiency is for each tank. When I first refill the tank, the mpg is higher than when I am down to a quarter of a tank. For example, my mpg driving during the first half of the tank is say an average of 34-36 mpg. Then as I am nearing empty (especially less than 1/4 of a tank), the average mpg starts going down more to the 32 mpg range. Same thing with miles left per tank. When I first refill the tank, it says about 430 miles left to go - but then I can only really get about 360-380 miles per tank.


I noticed in my last car that I got better mileage on the first half of the tank than the second half.

But on THIS car I noticed that the MPG calculator seems to be always overestimating what my mileage is when I do the math myself based on miles driven (on the odometer) by the amount of gas I had to put into the tank to get it back to full.

Likely it's just averaging your long term mileage down due to your driving habits.  There's no reason a full tank should have appreciably higher fuel efficiency (it can affect efficiency either way, depending on circumstances, but not that much either way).  The weight difference is on the order of 100 lbs.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1494 on: July 06, 2015, 09:08:38 AM »

Likely it's just averaging your long term mileage down due to your driving habits.  There's no reason a full tank should have appreciably higher fuel efficiency (it can affect efficiency either way, depending on circumstances, but not that much either way).  The weight difference is on the order of 100 lbs.

The calculator gets reset each tank, so it shouldn't be averaging long term anything.  My average actually doesn't tend to go down as the tank gets lower- it shows that I have 32 (or whatever) over the entire tank, but when I do the math myself, I only get 29.  (Less in the winter, but the calculator will also show less- so it will show 27, but I'll get 22.)   My car only gets used to go to work, so I have the same drive every time. There isn't a mix of highway/city.

My thoughts on why a full tank is more efficient has nothing to do with weight - but rather the efficiency of the pump mechanism that takes the fuel to the engine.  I haven't had this car long enough to compare half tank vs. to empty tank- but my previous car which I had for almost 15 years, I definitely got higher mileage on a half tank; that wasn't based on any computer calculator, as the car was too old to have such fancy things. That was just on my math of miles traveled vs. fuel needed to get the car back to full.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #1495 on: July 06, 2015, 11:08:55 AM »
I suspect that the in-car computers don't calculate in the times that your car is idling, because my personal MPG calculations are always lower than the car's computed calculations.

StartingEarly

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Re: Mustachian People Problems (just for fun)
« Reply #1496 on: July 06, 2015, 11:13:40 AM »
When  you fill up your tank your car is generally warmed up and at peak efficiency. This will offset your numbers high especially if it's an in town gas station and you aren't exceeding 45mph and have few stops before you're home. After that it will be drug down from cold starts.

Sam E

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Re: Mustachian People Problems (just for fun)
« Reply #1497 on: July 06, 2015, 11:31:36 AM »
I suspect that the in-car computers don't calculate in the times that your car is idling, because my personal MPG calculations are always lower than the car's computed calculations.

I'm pretty sure they don't. In my car if I take my foot off the gas pedal while moving the MPG monitor spikes to 99.9 and if I'm stopped it reads --.-

Any gas burned outside of using the accelerator/throttle is just lost and not calculated as far as I can tell.

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #1498 on: July 06, 2015, 11:34:14 AM »
I suspect that the in-car computers don't calculate in the times that your car is idling, because my personal MPG calculations are always lower than the car's computed calculations.

I haven't done a personal calculation to compare with the computer readings like the poster up above. However, I do think my online computer readings take into account idle time because I see the MPG average tick down, down, down, while idling right after filling up and resetting the computer. It doesn't tick down so much while idling while I'm getting closer to the end of the tank and the average MPG is based on more time/miles.

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #1499 on: July 06, 2015, 11:36:44 AM »
When  you fill up your tank your car is generally warmed up and at peak efficiency. This will offset your numbers high especially if it's an in town gas station and you aren't exceeding 45mph and have few stops before you're home. After that it will be drug down from cold starts.

I do notice really high MPG numbers right after filling up and resetting the statistics on the computer - sometimes reads into the 40mpg range for the average MPG.

I see the numbers then stabilize around 34-35 mpg until after past the halfway empty mark.

I really just thought it was the computer misreading the gas levels in the tank or something when it's really full. I was curious (by posting it here) if there was actually real efficiency differences and the computer was actually correct.