Author Topic: Mustachian People Problems (just for fun)  (Read 961252 times)

KMMK

  • Handlebar Stache
  • *****
  • Posts: 1357
  • Age: 40
  • Location: Edmonton, AB, Canada
    • Your Life Money Coaching
Re: Mustachian People Problems (just for fun)
« Reply #2750 on: June 07, 2016, 07:03:47 PM »
Oh Saskatoons - so wonderful. My grandparents had some trees on their property and some years they were so prolific. Can't wait to get back to Alberta and Saskatoons again. Definitely planting some.

plainjane

  • Handlebar Stache
  • *****
  • Posts: 1047
Re: Mustachian People Problems (just for fun)
« Reply #2751 on: June 08, 2016, 07:23:12 AM »
The city plants Saskatoon berries all over the place, so when I'm walking in a park, I'll often grab a few when they're ripe.  I have considered stripping some  of the bushes for myself, but haven't yet - a combination of being uncomfortable being seen doing so, and feeling that they are public berries for us all (plus the birds).
Using procrastination to my advantage since 2001.

Stash padawan

  • 5 O'Clock Shadow
  • *
  • Posts: 10
Re: Mustachian People Problems (just for fun)
« Reply #2752 on: June 08, 2016, 08:50:40 AM »
Money burns a whole in my pockets...as soon as it gets in my account, I burn it all on VCN, VXC and VAB (Canada)...damn brokerage firm, why are your products so attractive!

Goldielocks

  • Magnum Stache
  • ******
  • Posts: 3844
  • Location: BC
Re: Mustachian People Problems (just for fun)
« Reply #2753 on: June 08, 2016, 01:01:12 PM »

MPP #2: I put a chicken carcass in the Instant Pot for stock and then realized that I haven't even used up half the stock from last week. But I can't bear to throw away chicken bones without making stock. So now I'm trying to figure out what I can do with a lot of stock. Maybe I can start selling soup to my co-workers for lunch...

True that.. I cleaned out and defrosted my freeze and discovered that 25% of my storage was filled with a frozen turkey and several bags of turkey / poultry bones awaiting the stock pot... and three large containers of frozen stock...  Need to get on top of that one.

merula

  • Pencil Stache
  • ****
  • Posts: 754
Re: Mustachian People Problems (just for fun)
« Reply #2754 on: June 08, 2016, 01:19:00 PM »

MPP #2: I put a chicken carcass in the Instant Pot for stock and then realized that I haven't even used up half the stock from last week. But I can't bear to throw away chicken bones without making stock. So now I'm trying to figure out what I can do with a lot of stock. Maybe I can start selling soup to my co-workers for lunch...

True that.. I cleaned out and defrosted my freeze and discovered that 25% of my storage was filled with a frozen turkey and several bags of turkey / poultry bones awaiting the stock pot... and three large containers of frozen stock...  Need to get on top of that one.

Two go-to recipes for using up stock in my house are risotto and megadarra.

Megadarra (aka mujadara, depending on the region) is a rice, lentil and onion dish that is amazingly delicious, cheap and filling. And fairly easy to make. And only needs pantry ingredients, if lentils and onions are part of your pantry. (They are for me.)

http://www.foodandwine.com/recipes/brown-lentils-and-rice-with-caramelized-onions

Here's a version of the recipe I use. It's from the author of the cookbook I use, but this doesn't say that you can sub stock for the water, and the cookbook version also doesn't have the yogurt sauce topping, which looks amazing.
« Last Edit: June 08, 2016, 01:20:36 PM by merula »

Goldielocks

  • Magnum Stache
  • ******
  • Posts: 3844
  • Location: BC
Re: Mustachian People Problems (just for fun)
« Reply #2755 on: June 08, 2016, 04:51:50 PM »

MPP #2: I put a chicken carcass in the Instant Pot for stock and then realized that I haven't even used up half the stock from last week. But I can't bear to throw away chicken bones without making stock. So now I'm trying to figure out what I can do with a lot of stock. Maybe I can start selling soup to my co-workers for lunch...

True that.. I cleaned out and defrosted my freeze and discovered that 25% of my storage was filled with a frozen turkey and several bags of turkey / poultry bones awaiting the stock pot... and three large containers of frozen stock...  Need to get on top of that one.

Two go-to recipes for using up stock in my house are risotto and megadarra.

Megadarra (aka mujadara, depending on the region) is a rice, lentil and onion dish that is amazingly delicious, cheap and filling. And fairly easy to make. And only needs pantry ingredients, if lentils and onions are part of your pantry. (They are for me.)

http://www.foodandwine.com/recipes/brown-lentils-and-rice-with-caramelized-onions

Here's a version of the recipe I use. It's from the author of the cookbook I use, but this doesn't say that you can sub stock for the water, and the cookbook version also doesn't have the yogurt sauce topping, which looks amazing.

Awesome.   It's grocery day (and the pantry / freezer are low, which is why I defrosted last weekend)...   but,  I do have rice, lentils and onions (a few) still.  Plain yogurt, and yes! a half tablespoon of lemon juice... I will try it tonight!   

Maybe finish up those carrots to go with it.

« Last Edit: June 08, 2016, 04:53:57 PM by goldielocks »

neverrun

  • Bristles
  • ***
  • Posts: 252
Re: Mustachian People Problems (just for fun)
« Reply #2756 on: June 08, 2016, 07:31:21 PM »
I have to figure out how to pay my property taxes since I no longer have a mortgage or escrow.

Jappe

  • 5 O'Clock Shadow
  • *
  • Posts: 43
Re: Mustachian People Problems (just for fun)
« Reply #2757 on: June 09, 2016, 05:12:30 AM »
Each day we work (so not on holidays or sickness), we get this "food-money" on a special bank card that we can only spend at the supermarket, places who provide food like sandwiches, croissants, ... So basically you buy food with it, although you can also buy washing powder and other stuff from the supermarket. Expires after a year being unused. It's also a tax advantage for the employer instead of raising wages. 

So in january they raised it from 6/day to 8/day which is awesome. So that's around 160 a month for supermarket money. Except I'm not capable of spending it all. I now have a 220 surplus. I already had friends over twice for a dinner party this month, cooked for them and bought A-brand drinks and chips/crisps for their visit. But it's still rising...

Good thing I'm having a 3.5 week holiday coming up so it goes down again... So yeah, it's a Mustachian problem!

Rubic

  • Pencil Stache
  • ****
  • Posts: 742
Re: Mustachian People Problems (just for fun)
« Reply #2758 on: June 09, 2016, 06:09:14 AM »
Each day we work (so not on holidays or sickness), we get this "food-money" on a special bank card that we can only spend at the supermarket, places who provide food like sandwiches, croissants, ... So basically you buy food with it, although you can also buy washing powder and other stuff from the supermarket. Expires after a year being unused. It's also a tax advantage for the employer instead of raising wages. 

Can you purchase gift cards at the supermarket?

AlwaysLearningToSave

  • Bristles
  • ***
  • Posts: 437
Re: Mustachian People Problems (just for fun)
« Reply #2759 on: June 09, 2016, 07:57:04 AM »
Each day we work (so not on holidays or sickness), we get this "food-money" on a special bank card . . .

That's an awesome benefit.  I wish I had that problem! 

GreenSheep

  • Bristles
  • ***
  • Posts: 474
Re: Mustachian People Problems (just for fun)
« Reply #2760 on: June 09, 2016, 12:22:49 PM »
My boyfriend is planning to buy a dark dress shirt on the way home from work today so he can wear it to a funeral. He just emailed me to ask me to check one of the (very few) dress shirts he already owns (all too light for a funeral, hence the upcoming purchase) to make sure he remembered his size correctly. That's how infrequently he shops.

onehair

  • Bristles
  • ***
  • Posts: 335
Re: Mustachian People Problems (just for fun)
« Reply #2761 on: June 09, 2016, 01:08:56 PM »
My phone is dying after only 2 years. It was a gift from my son.  I am an Android user so naturally I am lusting after a Galaxy.  Not the $649 one the one for $120.  I have the money to buy it but am reluctant to touch it since I enjoy letting Digit and Acorns siphon for savings. My son recommended the Galaxy J3.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 7092
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #2762 on: June 09, 2016, 01:39:04 PM »
My phone is dying after only 2 years. It was a gift from my son.  I am an Android user so naturally I am lusting after a Galaxy.  Not the $649 one the one for $120.  I have the money to buy it but am reluctant to touch it since I enjoy letting Digit and Acorns siphon for savings. My son recommended the Galaxy J3.

Skimming the post, I first read that as "my son is dying after only 2 years" .. Was sad because sons should last at least 4 years

Sibley

  • Handlebar Stache
  • *****
  • Posts: 1888
  • Age: 31
  • Location: Chicago, IL
Re: Mustachian People Problems (just for fun)
« Reply #2763 on: June 10, 2016, 08:58:14 AM »
Each day we work (so not on holidays or sickness), we get this "food-money" on a special bank card that we can only spend at the supermarket, places who provide food like sandwiches, croissants, ... So basically you buy food with it, although you can also buy washing powder and other stuff from the supermarket. Expires after a year being unused. It's also a tax advantage for the employer instead of raising wages. 

So in january they raised it from 6/day to 8/day which is awesome. So that's around 160 a month for supermarket money. Except I'm not capable of spending it all. I now have a 220 surplus. I already had friends over twice for a dinner party this month, cooked for them and bought A-brand drinks and chips/crisps for their visit. But it's still rising...

Good thing I'm having a 3.5 week holiday coming up so it goes down again... So yeah, it's a Mustachian problem!

Buy food and donate to the food bank/pantry?

plainjane

  • Handlebar Stache
  • *****
  • Posts: 1047
Re: Mustachian People Problems (just for fun)
« Reply #2764 on: June 11, 2016, 05:04:28 AM »
Each day we work (so not on holidays or sickness), we get this "food-money" on a special bank card that we can only spend at the supermarket, places who provide food like sandwiches, croissants, ... [...]So in january they raised it from 6/day to 8/day which is awesome. So that's around 160 a month for supermarket money. Except I'm not capable of spending it all. I now have a 220 surplus.

If you have space to store it, buy some high value non-perishables?  At my last job, there was occasional freebie laundry detergent (as well as other products).  I've been gone two years, and still not had to purchase anything new.

Other people have mentioned food banks, and I'd point out that they generally really appreciate the high value items like diapers, laundry detergent, spices, juice boxes (for packed lunches) or condiments over bulk pasta.
Using procrastination to my advantage since 2001.

Jappe

  • 5 O'Clock Shadow
  • *
  • Posts: 43
Re: Mustachian People Problems (just for fun)
« Reply #2765 on: June 13, 2016, 06:48:33 AM »
Turns out if you order anything from their related webshops (like hard drives, usbsticks, bed sheets, ...) and pick it up at the supermarket where you can have it delivered, you can also pay with this food-budget :-)
But thanks for the insight, I'll probably donate some of the suggested stuff above and some old sheets, and then treat myself with some new sheets. Repeat with something similar every time I get a couple 100's left.

infogoon

  • Pencil Stache
  • ****
  • Posts: 780
Re: Mustachian People Problems (just for fun)
« Reply #2766 on: June 14, 2016, 07:32:58 AM »
MPP: I got a significant raise when I changed jobs a couple months ago, but since I ramped up my 401k contribution and index fund investments when that happened, it doesn't feel like I have any more money in my pocket.

Mtngrl

  • Stubble
  • **
  • Posts: 213
Re: Mustachian People Problems (just for fun)
« Reply #2767 on: June 14, 2016, 07:45:14 AM »
For those of you needing to use up chicken stock -- freeze it in ice cube trays and use a cube or two each time you steam or sautee vegetables, or use it in place of water for cooking rice. Add a cube or two to mashed potatoes. Homemade stock is an awesome thing to have in your kitchen.

theadvicist

  • Handlebar Stache
  • *****
  • Posts: 1239
Re: Mustachian People Problems (just for fun)
« Reply #2768 on: June 14, 2016, 07:50:58 AM »
MPP: I got a significant raise when I changed jobs a couple months ago, but since I ramped up my 401k contribution and index fund investments when that happened, it doesn't feel like I have any more money in my pocket.

Yep, I haven't had a payrise (in effect) in years. Sure puts a pay to lifestyle inflation! But I am considering filling out the budget a bit when we get savings from a lower mortgage rate next month. I feel I am starting to cause myself stress from trying to save money, and that's counter-productive.

Uturn

  • Pencil Stache
  • ****
  • Posts: 503
  • Age: 47
  • Location: Fort Worth, TX
Re: Mustachian People Problems (just for fun)
« Reply #2769 on: June 14, 2016, 07:59:40 AM »
MPP: I got a significant raise when I changed jobs a couple months ago, but since I ramped up my 401k contribution and index fund investments when that happened, it doesn't feel like I have any more money in my pocket.

Yep, I haven't had a payrise (in effect) in years. Sure puts a pay to lifestyle inflation! But I am considering filling out the budget a bit when we get savings from a lower mortgage rate next month. I feel I am starting to cause myself stress from trying to save money, and that's counter-productive.

I've found the best way to relieve stress about money is to track it.  No matter what your salary range is, or your savings rate, half of the stress is not knowing.  Find your favorite way to track your money, I use Personal Capital but there are others that are just fine.  Now that half your stress is gone, look at the data and figure out a plan to your goal.  Stress gone. 
It's not about money, it's about mindset

fat-johnny

  • 5 O'Clock Shadow
  • *
  • Posts: 12
Re: Mustachian People Problems (just for fun)
« Reply #2770 on: June 15, 2016, 06:05:45 AM »
I was telling a coworker about my new Chase Southwest Visa that I got specifically to get the 50,000 bonus miles.

Coworker:  Oh yeah...what is the interest rate??
Me:  I don't know.

BTDretire

  • Handlebar Stache
  • *****
  • Posts: 1179
Re: Mustachian People Problems (just for fun)
« Reply #2771 on: June 15, 2016, 02:52:01 PM »
I was telling a coworker about my new Chase Southwest Visa that I got specifically to get the 50,000 bonus miles.

Coworker:  Oh yeah...what is the interest rate??
Me:  I don't know.

We all understand that, but you needed to followup with, I never pay interest on a credit card,
that would be ridiculous!
You missed a teaching moment.

Zikoris

  • Handlebar Stache
  • *****
  • Posts: 2450
  • Age: 30
  • Location: Vancouver, BC
  • Vancouverstachian
Re: Mustachian People Problems (just for fun)
« Reply #2772 on: June 15, 2016, 04:50:33 PM »
I was telling a coworker about my new Chase Southwest Visa that I got specifically to get the 50,000 bonus miles.

Coworker:  Oh yeah...what is the interest rate??
Me:  I don't know.
-

Hah! I just realized I have no idea what the interest rate is on any of my cards. I would assume around 20%, since that's a common number in Canada.
Blogging about frugality, travel, and Vancouver life - www.incomingassets.wordpress.com

I also have a journal! http://forum.mrmoneymustache.com/journals/the-zikoris-diaries/

Uturn

  • Pencil Stache
  • ****
  • Posts: 503
  • Age: 47
  • Location: Fort Worth, TX
Re: Mustachian People Problems (just for fun)
« Reply #2773 on: June 15, 2016, 07:43:34 PM »
Hah! I just realized I have no idea what the interest rate is on any of my cards. I would assume around 20%, since that's a common number in Canada.

I'm with you there.  Someone a few weeks ago asked what my interest rate was, told them I had no idea and didn't care.  They were shocked, "but you are so good with money."  Yup, good enough to not pay interest. 
It's not about money, it's about mindset

theadvicist

  • Handlebar Stache
  • *****
  • Posts: 1239
Re: Mustachian People Problems (just for fun)
« Reply #2774 on: June 16, 2016, 02:17:28 AM »

I've found the best way to relieve stress about money is to track it.  No matter what your salary range is, or your savings rate, half of the stress is not knowing.  Find your favorite way to track your money, I use Personal Capital but there are others that are just fine.  Now that half your stress is gone, look at the data and figure out a plan to your goal.  Stress gone.

I track every penny using YNAB. Have for years. In fact, I can tell you every single penny that has crossed my path since 2005.

I actually think my excessive tracking may be causing some of the stress - just goes to show how we all react differently!

With YNAB I am so clear on what I do and don't have money for - I constantly have to shift money from one category to another. Which is good because it makes me scrupulously honest about my priorities. I'd like to think I'm saving for some new furniture, but actually, I can see that I've spent it on a holiday instead.

But at the same time, I spend a lot of time and energy trying to balance the budget, robbing Peter to pay Paul. I think an extra 150 of leeway each month could really reduce stress. And might also contribute to me eating better. The grocery budget always seems to be the one I have most control over and therefore ends up getting cut.

solon

  • Pencil Stache
  • ****
  • Posts: 877
  • Age: 1816
  • Location: CO
Re: Mustachian People Problems (just for fun)
« Reply #2775 on: June 16, 2016, 08:59:19 AM »
I was telling a coworker about my new Chase Southwest Visa that I got specifically to get the 50,000 bonus miles.

Coworker:  Oh yeah...what is the interest rate??
Me:  I don't know.
-

Hah! I just realized I have no idea what the interest rate is on any of my cards. I would assume around 20%, since that's a common number in Canada.

Yeah, I don't know my rates either. Or my credit limits!

Rubic

  • Pencil Stache
  • ****
  • Posts: 742
Re: Mustachian People Problems (just for fun)
« Reply #2776 on: June 16, 2016, 10:34:36 AM »
Yeah, I don't know my rates either. Or my credit limits!

I'm aware of my credit limits, but only because I churn credit cards and sometimes needs to lower my limits (e.g. when I applied for my 4th and 5th Citi AA Platinum cards or my 3rd Chase card).  It's also useful to know so you can keep your utilization rates low on any given card when hitting your minimum bonus spend.


iowajes

  • Magnum Stache
  • ******
  • Posts: 4551
Re: Mustachian People Problems (just for fun)
« Reply #2777 on: June 16, 2016, 11:30:04 AM »
Hah! I just realized I have no idea what the interest rate is on any of my cards. I would assume around 20%, since that's a common number in Canada.

I'm with you there.  Someone a few weeks ago asked what my interest rate was, told them I had no idea and didn't care.  They were shocked, "but you are so good with money."  Yup, good enough to not pay interest.

No idea what mine are. Or what the limits are.  Or when payday is.

Polaria

  • Stubble
  • **
  • Posts: 135
  • Age: 39
  • Location: Brussels - Belgium
Re: Mustachian People Problems (just for fun)
« Reply #2778 on: June 16, 2016, 11:38:05 AM »
Each day we work (so not on holidays or sickness), we get this "food-money" on a special bank card that we can only spend at the supermarket, places who provide food like sandwiches, croissants, ... So basically you buy food with it, although you can also buy washing powder and other stuff from the supermarket. Expires after a year being unused. It's also a tax advantage for the employer instead of raising wages. 

So in january they raised it from 6/day to 8/day which is awesome. So that's around 160 a month for supermarket money. Except I'm not capable of spending it all. I now have a 220 surplus. I already had friends over twice for a dinner party this month, cooked for them and bought A-brand drinks and chips/crisps for their visit. But it's still rising...

Good thing I'm having a 3.5 week holiday coming up so it goes down again... So yeah, it's a Mustachian problem!

Sounds to me you're a fellow Belgian... If this is the case don't forget to mention the "ecocheques" (I guess they've also morphed into an "ecocard" by now) which allows you to buy ecoconscious items, organic food etc... It was around 250 per year for me but it was 4 years ago.
« Last Edit: June 16, 2016, 11:44:09 AM by Polaria »

Pooperman

  • Magnum Stache
  • ******
  • Posts: 2542
  • Age: 27
  • Location: North Carolina
Re: Mustachian People Problems (just for fun)
« Reply #2779 on: June 16, 2016, 11:43:10 AM »
Yeah, I don't know my rates either. Or my credit limits!

I'm aware of my credit limits, but only because I churn credit cards and sometimes needs to lower my limits (e.g. when I applied for my 4th and 5th Citi AA Platinum cards or my 3rd Chase card).  It's also useful to know so you can keep your utilization rates low on any given card when hitting your minimum bonus spend.

I figure the interest rates are somewhere in the 15%-25% range, but I don't know them. My credit limit I know roughly (~$110k). Insane but whatever :P.

BDWW

  • Bristles
  • ***
  • Posts: 258
  • Location: MT
Re: Mustachian People Problems (just for fun)
« Reply #2780 on: June 16, 2016, 01:24:37 PM »
Yeah, I don't know my rates either. Or my credit limits!

I'm aware of my credit limits, but only because I churn credit cards and sometimes needs to lower my limits (e.g. when I applied for my 4th and 5th Citi AA Platinum cards or my 3rd Chase card).  It's also useful to know so you can keep your utilization rates low on any given card when hitting your minimum bonus spend.

I figure the interest rates are somewhere in the 15%-25% range, but I don't know them. My credit limit I know roughly (~$110k). Insane but whatever :P.

Yeah, I have a vague idea of my credit limits, but that's only because they send me letters every few months telling me they've upped the limit.  25K* or so for each of my two cards.

*As an aside, I had a weird realization a couple years back. One of my friends (very anti-mustachian) was buying a car from a low/no credit car business. He got financed on about a 15K car at !!!! 24.9%. I was talking to my wife about this, and said something like "My credit card rate is only 13.9%!"  It was at that point I realized I could have purchased that car with my credit card, and come out ahead of my friend. SMH.

PhrugalPhan

  • 5 O'Clock Shadow
  • *
  • Posts: 91
  • Age: 54
  • Location: No. VA
Re: Mustachian People Problems (just for fun)
« Reply #2781 on: June 16, 2016, 02:57:18 PM »
Yeah, I have a vague idea of my credit limits, but that's only because they send me letters every few months telling me they've upped the limit.  25K* or so for each of my two cards.

*As an aside, I had a weird realization a couple years back. One of my friends (very anti-mustachian) was buying a car from a low/no credit car business. He got financed on about a 15K car at !!!! 24.9%. I was talking to my wife about this, and said something like "My credit card rate is only 13.9%!"  It was at that point I realized I could have purchased that car with my credit card, and come out ahead of my friend. SMH.
As an aside to your aside, you probably could not have bought the car with a credit card.  In my few times of trying to use a credit card during a car purchase, the dealers would only allow some of the purchase to be with the credit card, maybe $3,000 max.   Maybe if they are desperate for a sale they would let you use the credit card for all of it - I don't know.  In one case I was able to use a 0% - $0 fee convenience check for the purchase (actually, I had to use a personal check, and then use the convenience check to fill my bank account back up.  I called the CC company and they said they would allow it with $0 fee since the dealership didn't want to accept their check).

johnny847

  • Magnum Stache
  • ******
  • Posts: 3190
    • My Blog
Re: Mustachian People Problems (just for fun)
« Reply #2782 on: June 16, 2016, 05:10:35 PM »
Yeah, I have a vague idea of my credit limits, but that's only because they send me letters every few months telling me they've upped the limit.  25K* or so for each of my two cards.

*As an aside, I had a weird realization a couple years back. One of my friends (very anti-mustachian) was buying a car from a low/no credit car business. He got financed on about a 15K car at !!!! 24.9%. I was talking to my wife about this, and said something like "My credit card rate is only 13.9%!"  It was at that point I realized I could have purchased that car with my credit card, and come out ahead of my friend. SMH.
As an aside to your aside, you probably could not have bought the car with a credit card.  In my few times of trying to use a credit card during a car purchase, the dealers would only allow some of the purchase to be with the credit card, maybe $3,000 max.   Maybe if they are desperate for a sale they would let you use the credit card for all of it - I don't know.  In one case I was able to use a 0% - $0 fee convenience check for the purchase (actually, I had to use a personal check, and then use the convenience check to fill my bank account back up.  I called the CC company and they said they would allow it with $0 fee since the dealership didn't want to accept their check).

From the anecdotes I've seen they'll let you use a cc if you offer to pay an extra 3% or whatever their cc processing fee is.

Somebody posted on reddit how he/she did this during Discover's Apple Pay promo (get 10% back on all purchases through Apple Pay), paying 3% extra to the dealership but getting 10% (well really, 10.3%, since they're getting 10% cashback on the 3% fee too) back from Discover.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 7092
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #2783 on: June 16, 2016, 05:33:41 PM »
I'm surprised dealerships take Apple Pay

johnny847

  • Magnum Stache
  • ******
  • Posts: 3190
    • My Blog
Re: Mustachian People Problems (just for fun)
« Reply #2784 on: June 16, 2016, 07:22:04 PM »
I'm surprised dealerships take Apple Pay

Me too, but here's the anecdote

Quote
I used my Discover It with Apple Pay to put 10k down for a new car for 20% cash back. I offered to pay the 3% processing fee (otherwise max on card was $2500). Win win for everyone. They got a happy customer and 3% processing fee covered for a whole $10,000 and I will get $1700 in cash back.

I forgot this guy also had the double your cash back in the first year promo, so he got 20% back, not 10%.

And as for how he found a dealership accepting Apple Pay
Quote
Dumb luck. I asked if they accepted it, they said no, I noticed the credit card machine they had an NFC logo on it. So I just asked to try.


Source: https://www.reddit.com/r/churning/comments/3zgrdv/purchasing_car_on_credit_card_then_transferring/cym25j8
« Last Edit: June 16, 2016, 07:23:51 PM by johnny847 »

Freshwater

  • Pencil Stache
  • ****
  • Posts: 716
  • Age: 42
  • Location: Sydney, Australia
Re: Mustachian People Problems (just for fun)
« Reply #2785 on: June 16, 2016, 10:01:07 PM »
I was stood in the kitchen looking at the sunlight filtering in through the window and let out such a massive sigh of contentment that I scared the dog.

pdxmonkey

  • Stubble
  • **
  • Posts: 224
Re: Mustachian People Problems (just for fun)
« Reply #2786 on: June 16, 2016, 11:55:47 PM »
MPP: I got a significant raise when I changed jobs a couple months ago, but since I ramped up my 401k contribution and index fund investments when that happened, it doesn't feel like I have any more money in my pocket.

Yep, I haven't had a payrise (in effect) in years. Sure puts a pay to lifestyle inflation! But I am considering filling out the budget a bit when we get savings from a lower mortgage rate next month. I feel I am starting to cause myself stress from trying to save money, and that's counter-productive.



I've found the best way to relieve stress about money is to track it.  No matter what your salary range is, or your savings rate, half of the stress is not knowing.  Find your favorite way to track your money, I use Personal Capital but there are others that are just fine.  Now that half your stress is gone, look at the data and figure out a plan to your goal.  Stress gone.

For you. For me knowing exactly how much debt I have is more stress...how can I save even more to kill it faster.... holy crap, how many years still to FI?! Once I kill the mortgage I plan to go back to paying less attention. I have always been good at saving and paying more attention doesn't really cause me to save much extra, but it does seem to add some stress. Sure, I will spend a small amount more, but I will be less stressed. Having a vague notion of 5 or 6 years to go and assuming 6 is less stressful than trying to get the actual number to go from 5.6 to 5.4. Heck, I don't know the actual number and I'm currently glad I don't. I do know the actual mortgage number is 23 months at my planned payoff rate and December 2020 at the minimum payment rate. My next goal after that is getting my taxable accounts to 100k which I consider to be the property tax endowment. This goal might actually happen prior to the mortgage being paid off.

shelivesthedream

  • Handlebar Stache
  • *****
  • Posts: 1753
  • Location: UK
Re: Mustachian People Problems (just for fun)
« Reply #2787 on: June 17, 2016, 01:40:38 AM »
I was stood in the kitchen looking at the sunlight filtering in through the window and let out such a massive sigh of contentment that I scared the dog.

I was browsing the MMM forums and saw this post and let out such a sudden laugh that I scared my husband!

Uturn

  • Pencil Stache
  • ****
  • Posts: 503
  • Age: 47
  • Location: Fort Worth, TX
Re: Mustachian People Problems (just for fun)
« Reply #2788 on: June 17, 2016, 06:51:26 AM »
For me knowing exactly how much debt I have is more stress...how can I save even more to kill it faster.... holy crap, how many years still to FI?!

I suppose here is a good example of two very differing opinions, and neither is wrong.  For me, the stress comes from not having a plan, which is why I want the data.
It's not about money, it's about mindset

MandalayVA

  • Handlebar Stache
  • *****
  • Posts: 1521
  • Location: Orlando FL
Re: Mustachian People Problems (just for fun)
« Reply #2789 on: June 17, 2016, 07:05:56 AM »
Don't know if it's been mentioned already, but it just occurred to me that neither Mr. Mandalay nor I could ever drive for Uber because our cars are too old.
Follow my road to semi-FIRE here:  The Road To Mandalay

Post-corporate life blog: Mandalay At Play  Latest entry: We Now Return You To Civilization

shelivesthedream

  • Handlebar Stache
  • *****
  • Posts: 1753
  • Location: UK
Re: Mustachian People Problems (just for fun)
« Reply #2790 on: June 18, 2016, 11:54:23 AM »
I have a mustachian people solution: when you get hot glue in your hair, you're so used to giving yourself DIY haircuts that having to cut it out doesn't really bother you.

Sibley

  • Handlebar Stache
  • *****
  • Posts: 1888
  • Age: 31
  • Location: Chicago, IL
Re: Mustachian People Problems (just for fun)
« Reply #2791 on: June 18, 2016, 12:14:19 PM »
When you prefer either no A/C or set to 78, but everywhere you go it's set to 72 and you FREEZE.

KMMK

  • Handlebar Stache
  • *****
  • Posts: 1357
  • Age: 40
  • Location: Edmonton, AB, Canada
    • Your Life Money Coaching
Re: Mustachian People Problems (just for fun)
« Reply #2792 on: June 18, 2016, 12:42:23 PM »
When you prefer either no A/C or set to 78, but everywhere you go it's set to 72 and you FREEZE.

Yes, having to dress for the winter in the summer - I hate it.

BTDretire

  • Handlebar Stache
  • *****
  • Posts: 1179
Re: Mustachian People Problems (just for fun)
« Reply #2793 on: June 18, 2016, 01:06:38 PM »
When you prefer either no A/C or set to 78, but everywhere you go it's set to 72 and you FREEZE.

Yep, we olso set our thermostat a 78*F, often when I get home from work I drop it to 77*
and let the air run long enough to drop the humidity, I also change into my shorts and T shirt.
  If I forget to turn it back up, as soon as I get in bed I realize it to cold in here.

frugalnacho

  • Magnum Stache
  • ******
  • Posts: 2721
  • Age: 34
  • Location: Madison Heights, Michigan
Re: Mustachian People Problems (just for fun)
« Reply #2794 on: June 18, 2016, 03:02:15 PM »
When you prefer either no A/C or set to 78, but everywhere you go it's set to 72 and you FREEZE.

My boss has been cranking it down to 68.  I am almost acclimated to 90+ already and I haven't been running my AC. I have to wear a sweat shirt when he does that.

mustachepungoeshere

  • Handlebar Stache
  • *****
  • Posts: 1481
  • Location: Sydney, Oz
Re: Mustachian People Problems (just for fun)
« Reply #2795 on: June 19, 2016, 07:29:34 PM »
I was stood in the kitchen looking at the sunlight filtering in through the window and let out such a massive sigh of contentment that I scared the dog.

This is gorgeous.

I read it and let out a little sigh of envy at the sunlight and dog. :)

Grif

  • 5 O'Clock Shadow
  • *
  • Posts: 4
  • Age: 19
  • Location: Texas
Re: Mustachian People Problems (just for fun)
« Reply #2796 on: June 19, 2016, 11:00:08 PM »
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy. "Could I buy a watermelon?"
I didn't know if I should just let her get one to give her a goal, or just plant them with her in the spring.
"You know, dad and I are happy to buy food for you." Ha!

oh my gosh that is cute

Bracken_Joy

  • Walrus Stache
  • *******
  • Posts: 8467
  • Age: 28
  • Location: Oregon
Re: Mustachian People Problems (just for fun)
« Reply #2797 on: June 20, 2016, 09:18:58 AM »
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy. "Could I buy a watermelon?"
I didn't know if I should just let her get one to give her a goal, or just plant them with her in the spring.
"You know, dad and I are happy to buy food for you." Ha!

oh my gosh that is cute

Okay, that is officially adorable. I love your kid. =D
The Roughest Mustachian on the Nicest Block: my journal
Like babies? Have kids? Want to chat about Babies and Pregnancy? Group Journal Here.

Disposaleer

  • 5 O'Clock Shadow
  • *
  • Posts: 20
  • Location: East Coast
Re: Mustachian People Problems (just for fun)
« Reply #2798 on: June 20, 2016, 10:15:10 AM »
When you prefer either no A/C or set to 78, but everywhere you go it's set to 72 and you FREEZE.

My boss has been cranking it down to 68.  I am almost acclimated to 90+ already and I haven't been running my AC. I have to wear a sweat shirt when he does that.

I'm wearing a sweater eating my brought-in lunch in my freezing office alone while everyone is out to lunch. I want so badly to turn the temperature up, but the thermostat is in one of those locked acrylic boxes. I've resorted to putting a space heater next to my desk. I feel so wasteful heating a cooled space, but come on...it's so cold I can't type sometimes. Whenever someone complains that my area is too hot I just tell them to take off their jacket. Duh? I've complained multiple times, but apparently I'm the only one that thinks it's cold in here.

Dollar Slice

  • Handlebar Stache
  • *****
  • Posts: 2025
  • Age: 40
  • Location: New York City
Re: Mustachian People Problems (just for fun)
« Reply #2799 on: June 20, 2016, 10:26:14 AM »
I really do find it hilarious that people will brag about being acclimated to 90 degrees or whatever and then complain endlessly about how 68 degrees is "freezing" and you can't possibly do work in those kind of extreme conditions.

Maybe you all should acclimate yourself to those ice cold normal room temperatures like you expect others to do for heat?
...it's not at all alarming that people have started quoting me in their siggy lines.