Author Topic: Mustachian People Problems (just for fun)  (Read 1165460 times)

Paul der Krake

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Re: Mustachian People Problems (just for fun)
« Reply #2850 on: June 29, 2016, 12:47:58 PM »
I always put our household income, otherwise we likely wouldn't qualify for the premium cards. It is typically worded pretty loosely on the form anyway. As long as you can reasonably claim to have access to it, it's nothing worth fretting about.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #2851 on: June 29, 2016, 12:55:27 PM »

I read that while credit cards used to accept household income, they now require individual income.  Household income was great for me as a law student living with my parents. 

You've got this reversed. When the CARD act became law in 2009, the regulations that followed said credit card companies need to evaluate individual income, not household income.

In 2013, the CFPB issued a rule change which allowed credit card companies to consider household income.

Notice how I said allows. Not mandates. However, I don't think I've seen a credit card application recently that asked for individual income. They've all asked for household income.

http://www.consumerfinance.gov/about-us/newsroom/the-cfpb-amends-card-act-rule-to-make-it-easier-for-stay-at-home-spouses-and-partners-to-get-credit-cards/

But they don't really verify the stated income, do they?  I've never gotten pushback on it-- it's just to cover their asses right?

They did for my very first credit card. Considering I had a completely blank credit report, this was understandable.

A credit card company of course reserves the right to verify your income, and sometimes they do. People who MS a lot on Amex cards know about the dreaded Amex financial review.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #2852 on: June 29, 2016, 03:34:43 PM »

I read that while credit cards used to accept household income, they now require individual income.  Household income was great for me as a law student living with my parents. 

You've got this reversed. When the CARD act became law in 2009, the regulations that followed said credit card companies need to evaluate individual income, not household income.


I think it was true when I read it sometime between 2009-2013 :-P

dcamnc

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Re: Mustachian People Problems (just for fun)
« Reply #2853 on: June 29, 2016, 04:14:08 PM »
I just paid off my mortgage, and I have an itch to throw extra cash at debt. None left. Feels weird.

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Re: Mustachian People Problems (just for fun)
« Reply #2854 on: June 29, 2016, 05:49:42 PM »
I always put our household income, otherwise we likely wouldn't qualify for the premium cards. It is typically worded pretty loosely on the form anyway. As long as you can reasonably claim to have access to it, it's nothing worth fretting about.

The form just asked for "income". My husband and I have separate money, no bank account or credit cards in common. Interestingly, the application form did not ask for employer information. Also, we were victims of identity theft last year (fraudulent tax return), so have a freeze at the major companies like Experian. Fun... I also stopped using credit cards a few years ago in favor of a rewards checking account (run debit card as credit - but this doesn't impact credit rating). Not sure what will happen. I have no idea what my credit rating is. The rep said to call them, she hadn't heRd of anyone getting turned down.

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Re: Mustachian People Problems (just for fun)
« Reply #2855 on: June 29, 2016, 06:06:50 PM »
I just paid off my mortgage, and I have an itch to throw extra cash at debt. None left. Feels weird.

Mentally re-characterize investments as a debt to your future self.

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #2856 on: June 30, 2016, 02:13:12 AM »

The form just asked for "income". My husband and I have separate money, no bank account or credit cards in common. Interestingly, the application form did not ask for employer information. Also, we were victims of identity theft last year (fraudulent tax return), so have a freeze at the major companies like Experian. Fun... I also stopped using credit cards a few years ago in favor of a rewards checking account (run debit card as credit - but this doesn't impact credit rating). Not sure what will happen. I have no idea what my credit rating is. The rep said to call them, she hadn't heRd of anyone getting turned down.

So nosy, but I have to ask: if you have no income, and you and your husband do not share any bank accounts or credit cards... what do you live on? Are you selling assets? Would that not be classed as income? (It would be for tax purposes here in the UK, I believe). Or living off savings (which I think would not be considered income - except for the interest on the savings).

G-dog

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Re: Mustachian People Problems (just for fun)
« Reply #2857 on: June 30, 2016, 07:14:42 AM »

The form just asked for "income". My husband and I have separate money, no bank account or credit cards in common. Interestingly, the application form did not ask for employer information. Also, we were victims of identity theft last year (fraudulent tax return), so have a freeze at the major companies like Experian. Fun... I also stopped using credit cards a few years ago in favor of a rewards checking account (run debit card as credit - but this doesn't impact credit rating). Not sure what will happen. I have no idea what my credit rating is. The rep said to call them, she hadn't heRd of anyone getting turned down.

So nosy, but I have to ask: if you have no income, and you and your husband do not share any bank accounts or credit cards... what do you live on? Are you selling assets? Would that not be classed as income? (It would be for tax purposes here in the UK, I believe). Or living off savings (which I think would not be considered income - except for the interest on the savings).

I just FIREd last year - still on cash I had built up. We split household expenses so I am still paying some common bills ( 75+% of groceries, insurance, car registrations, electric & gas), as well as some unexpected expenses like some home repairs. I also pay for my medical insurance, gas for my car, maintenance on my car, personal expenses (lunch with friends, clothes, etc.). The house and cars are paid off. I tracked my expenses for a year, and continue to track. I lead a pretty low expense life.
I am 56 yo, so any portfolio assets I sell will be taxable. We were over the Roth limit until a couple of years ago, so it will be a few years until I can tap any Roth growth tax-free. I can take pension from work, but there is a significant penalty (about 50%), so I am letting that grow.

Realized interest income, such as interest on a bank account, is considered income as far as taxes are concerned, but I don't think the credit card companies are thinking of that when they ask about income (maybe they are, but I'm not?). Anyway - that would not be impressive in my case, and I don't know what it will be till the end of the year...

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #2858 on: July 01, 2016, 11:04:01 AM »
I just paid off my mortgage, and I have an itch to throw extra cash at debt. None left. Feels weird.

Now you get to experience watching your mutual funds grow like a weed.  It blows my mind sometimes how far our net worth has come in the past few years. 

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #2859 on: July 01, 2016, 02:24:16 PM »
I just paid off my mortgage, and I have an itch to throw extra cash at debt. None left. Feels weird.

Now you get to experience watching your mutual funds grow like a weed.  It blows my mind sometimes how far our net worth has come in the past few years.

That is an awesome MPP -- congrats!

Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #2860 on: July 01, 2016, 02:45:14 PM »
My latest MPP:  had a bunch of large expenses last month so our savings rate was only 55% of net (42% of gross).

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Re: Mustachian People Problems (just for fun)
« Reply #2861 on: July 01, 2016, 06:53:06 PM »
My latest MPP:  had a bunch of large expenses last month so our savings rate was only 55% of net (42% of gross).

Slacker!

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Re: Mustachian People Problems (just for fun)
« Reply #2862 on: July 01, 2016, 09:35:36 PM »
I had $10,000 ready to be put into my TFSA in January 2016 so that I can keep my TFSA contribution maxed. But the new federal government reduced the TFSA max contribution back down to $5,500 per year. So the remaining $4,500 had to go to my taxable investment account.

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Re: Mustachian People Problems (just for fun)
« Reply #2863 on: July 02, 2016, 11:50:19 AM »
I just ordered cat food because it was 10% off. At the end of the order I got a promotion that I can get a coupon for an online shop. There were around 50 of them, but I never use them. Now I took the one for groceries, we can probably stock up on supplies after moving so that seems like the best choice. But the minimum amount to spend is still 200 CHF.

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Re: Mustachian People Problems (just for fun)
« Reply #2864 on: July 03, 2016, 06:22:03 AM »
I had a mustachian problem yesterday...

I had been given a gift certificate for a mani+pedi for my birthday last fall.  Since no-one would have seen my toes all fall/winter I just used it yesterday.  The gift certificate included the cost of the mani+pedi plus the tip.  When I went to pay, I was informed that the tip could not come out of the gift certificate, it had to be cash.  I had no cash on me (I rarely have any/much cash on me.)  So I went to the drug store next door to use my debit card and get some cash back.  I couldn't think of a thing I needed or wanted to buy.  I ended up getting a bag of my favorite snack food (on sale).  And now I have $10 left on the gift certificate and nothing at the salon is <=$10.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #2865 on: July 03, 2016, 10:35:22 AM »
I can't ever reach my mental target for cash reserves because I'm either investing the extra dollars or paying extra on the mortgage.  (We don't have any other debt.)
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Re: Mustachian People Problems (just for fun)
« Reply #2866 on: July 03, 2016, 10:44:06 AM »
Citi bank keeps not syncing with Mint, and that makes me do extra work for my monthly spending calculation.

I haven't decided how best to factor rewards $ into our savings rate. (So far, laziness has prevailed- apply reward to statement, ignore otherwise)
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #2867 on: July 03, 2016, 03:05:20 PM »
Citi bank keeps not syncing with Mint, and that makes me do extra work for my monthly spending calculation.

I haven't decided how best to factor rewards $ into our savings rate. (So far, laziness has prevailed- apply reward to statement, ignore otherwise)

Manually add the rewards as income in mint when you redeem them.  Conceptually it's like your CC is sending you a check for $200, which you then apply to your next statement.  Everything on spending side of the CC still gets counted as spending by mint.

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #2868 on: July 03, 2016, 03:25:10 PM »
Citi bank keeps not syncing with Mint, and that makes me do extra work for my monthly spending calculation.

I haven't decided how best to factor rewards $ into our savings rate. (So far, laziness has prevailed- apply reward to statement, ignore otherwise)

Manually add the rewards as income in mint when you redeem them.  Conceptually it's like your CC is sending you a check for $200, which you then apply to your next statement.  Everything on spending side of the CC still gets counted as spending by mint.

Do you just do something like "income- bonus" or a special category?
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #2869 on: July 03, 2016, 03:43:29 PM »
Citi bank keeps not syncing with Mint, and that makes me do extra work for my monthly spending calculation.

I haven't decided how best to factor rewards $ into our savings rate. (So far, laziness has prevailed- apply reward to statement, ignore otherwise)

Manually add the rewards as income in mint when you redeem them.  Conceptually it's like your CC is sending you a check for $200, which you then apply to your next statement.  Everything on spending side of the CC still gets counted as spending by mint.

Do you just do something like "income- bonus" or a special category?

No I just count it as income - same as my paycheck.  My income from my job is tracked through my W2, so I'm not worried about differentiating it from my work income. 

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #2870 on: July 03, 2016, 06:50:42 PM »
Somehow our password saver program lost the user name for one of our retirement accounts.  So now I can't do my usual quarterly update!

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Re: Mustachian People Problems (just for fun)
« Reply #2871 on: July 03, 2016, 07:16:03 PM »
I only have enough in free Amazon gift cards from Bing Rewards and Pinecone Research saved up to be able to afford either a bicycle chain cleaning device or a DVD set of a show that's not available on any streaming service. The responsible thing would be to use it on the bicycle chain cleaning device, but my heart really wants to watch that show. What to do? What to do? (That doesn't involve actually spending any real cash.)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #2872 on: July 04, 2016, 12:54:15 AM »
I had a mustachian problem yesterday...

I had been given a gift certificate for a mani+pedi for my birthday last fall.  Since no-one would have seen my toes all fall/winter I just used it yesterday.  The gift certificate included the cost of the mani+pedi plus the tip.  When I went to pay, I was informed that the tip could not come out of the gift certificate, it had to be cash.  I had no cash on me (I rarely have any/much cash on me.)  So I went to the drug store next door to use my debit card and get some cash back.  I couldn't think of a thing I needed or wanted to buy.  I ended up getting a bag of my favorite snack food (on sale).  And now I have $10 left on the gift certificate and nothing at the salon is <=$10.

If you are in CA, you can ask them to give you cash for gift card balances under $10.  not sure about other states

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Re: Mustachian People Problems (just for fun)
« Reply #2873 on: July 04, 2016, 02:15:24 AM »
I just paid off my mortgage, and I have an itch to throw extra cash at debt. None left. Feels weird.

Mentally re-characterize investments as a debt to your future self.

I love this re-framing. "I owe myself $650,000 for retirement. I need to get this paid off as soon as possible - Go!"
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Re: Mustachian People Problems (just for fun)
« Reply #2874 on: July 04, 2016, 02:50:10 AM »
MPP: We are moving our mortgage and in the process paying a chunk off. When talking about completion dates, I asked the solicitor if they ever had issues with clients moving a lot of money all at once, as I need to send the 'shortfall' to him. His reply, no, never been an issue in all his years.

Well clearly he hasn't had anyone paying this much off! The bank limits mean I have to phase the transfers over 4 days!

(Yes, I can do it in one day by paying for CHAPS, but the cost in interest for 4 days is lower. And we've decided to pay off the mortgage rather than invest for personal cash-flow reasons). 

MrDelane

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Re: Mustachian People Problems (just for fun)
« Reply #2875 on: July 10, 2016, 03:56:02 PM »
I tried using a couple of the retirement calculators that came up from a standard google search.

The first one did not allow me to set my savings rate above 60%
(our current savings rate is right around 70%).

So, I tried another one.
The next one didn't allow me to put our post-retirement income at lower than 40% of our pre-retirement income.

I often feel we are WAY behind many of the people here.
Then I dip my toe back into the 'real' world and realize even the worst mustachian is seen as a financial freak by average standards.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #2876 on: July 11, 2016, 12:08:58 AM »
I tried using a couple of the retirement calculators that came up from a standard google search.

The first one did not allow me to set my savings rate above 60%
(our current savings rate is right around 70%).

So, I tried another one.
The next one didn't allow me to put our post-retirement income at lower than 40% of our pre-retirement income.

I often feel we are WAY behind many of the people here.
Then I dip my toe back into the 'real' world and realize even the worst mustachian is seen as a financial freak by average standards.

That's a great problem to have, but it's pretty annoying.  You're better than we are on percentages.  Even with our less-mustachian savings rate, the calculator on my 401K plan will not go high enough.  The other problem I have is that the "current amount saved" tops out below where we are right now.  Maybe they figure that if you have more than a certain amount invested and your savings rate is high, that you don't actually need the calculator?
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oneil

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Re: Mustachian People Problems (just for fun)
« Reply #2877 on: July 12, 2016, 07:30:17 PM »
My birthday and my wife's are just one day apart, which means we typically get presents addressed to both of us. This year we got a check from my MIL. The accompanying card read "Paul & $wife_name, do NOT save this money! It is for spending, go get dinner or something".

This is why my parents started giving my husband and I gift cards! We still have half  left on the one they gave us to a fancy steakhouse for Christmas... we went to the bar for happy hour instead of the main dining room.. so we get two dinner dates out of it! Even with FREE money in the form of a gift card we have a hard time going out and spending it!

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #2878 on: July 12, 2016, 07:51:31 PM »
My birthday and my wife's are just one day apart, which means we typically get presents addressed to both of us. This year we got a check from my MIL. The accompanying card read "Paul & $wife_name, do NOT save this money! It is for spending, go get dinner or something".

This is why my parents started giving my husband and I gift cards! We still have half  left on the one they gave us to a fancy steakhouse for Christmas... we went to the bar for happy hour instead of the main dining room.. so we get two dinner dates out of it! Even with FREE money in the form of a gift card we have a hard time going out and spending it!

You could always regift them to someone else. Or sell them to resellers such as ABC gift cards or Cardpool (I made about $1500 last year doing this). You will of course not get face value for selling the gift card.

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Re: Mustachian People Problems (just for fun)
« Reply #2879 on: July 12, 2016, 09:35:20 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

Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

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Re: Mustachian People Problems (just for fun)
« Reply #2880 on: July 13, 2016, 06:52:15 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

Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

I like you fiancee. When I graduated, I bought myself an aged smoked gouda wedge to celebrate. Cheese is the best celebration in my book =D
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Re: Mustachian People Problems (just for fun)
« Reply #2881 on: July 13, 2016, 08:23:20 AM »
Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

If she does get the whole thing, then she'll be the big cheese!!!

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #2882 on: July 13, 2016, 01:08:11 PM »
Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

If she does get the whole thing, then she'll be the big cheese!!!

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pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #2883 on: July 13, 2016, 10:04:40 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

Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

I like you fiancee. When I graduated, I bought myself an aged smoked gouda wedge to celebrate. Cheese is the best celebration in my book =D

Select a type of cheese that is a traditionally smaller size? There are many 5-10 pound cheeses out there. Perhaps one of those is a type that will catch her fancy. Parmigianno Reggiano wheels are MASSIVE

Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #2884 on: July 14, 2016, 03:57:28 AM »
Oh! I have a new one from today....


Having to read the excessive foam on the "Overheard at Work" thread... in order to find the nuggets of interesting new posts.

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Re: Mustachian People Problems (just for fun)
« Reply #2885 on: July 14, 2016, 07:20:06 AM »
Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

If she does get the whole thing, then she'll be the big cheese!!!

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That was amazing.
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Re: Mustachian People Problems (just for fun)
« Reply #2886 on: July 14, 2016, 07:31:36 AM »
When in a spendy month your savings rate drops to below 50% but still higher than 25%. 😱

Though I did have a month I spent slightly more than I earned. My friends freaked out and wondered why I was so stupid and how in debt I was. I just shrugged my shoulders because I more than had the more than enough money to cover it. I have months of savings to cover any spendy month should it happen. That month coincided with buying an electric bike, paying for a trip, and some celebratory spending from getting a new job.

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Re: Mustachian People Problems (just for fun)
« Reply #2887 on: July 14, 2016, 03:22:35 PM »
When in a spendy month your savings rate drops to below 50% but still higher than 25%. 😱

Though I did have a month I spent slightly more than I earned. My friends freaked out and wondered why I was so stupid and how in debt I was. I just shrugged my shoulders because I more than had the more than enough money to cover it. I have months of savings to cover any spendy month should it happen. That month coincided with buying an electric bike, paying for a trip, and some celebratory spending from getting a new job.

My savings rate was almost zero last month.   :-(  Can't imagine doing that every month!

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Re: Mustachian People Problems (just for fun)
« Reply #2888 on: July 14, 2016, 04:14:14 PM »
We're seeing our accountant today to file our tax returns, and I'm excited about finally getting a firm number on what my husband's net pay has been once tax, HECS and deductions have been taken into account.

I think we're hovering around a 50 per cent savings rate, but I think we can stretch it to 55 or 60 per cent.

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Re: Mustachian People Problems (just for fun)
« Reply #2889 on: July 15, 2016, 06:56:24 AM »
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yuka

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Re: Mustachian People Problems (just for fun)
« Reply #2890 on: July 15, 2016, 07:54:45 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

Lol, this is actually similar to my fiancee. She was in Kroger one time recently and decided that when she finishes school and has money, she wants a cheese wheel. Sadly, we may have to scale that down, because it turns out those things are about 70 pounds.

I like you fiancee. When I graduated, I bought myself an aged smoked gouda wedge to celebrate. Cheese is the best celebration in my book =D

Select a type of cheese that is a traditionally smaller size? There are many 5-10 pound cheeses out there. Perhaps one of those is a type that will catch her fancy. Parmigianno Reggiano wheels are MASSIVE

yep! That's the new plan. Also, we did some cheese research and found out that 'parmesan' != parmiggiano, so switching to some other variation seems more ok now.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #2891 on: July 15, 2016, 04:22:25 PM »
I bought a watermelon today, and all I could think about was that post where someone's daughter wanted to buy a watermelon with her savings. I wanted to read it again but I can't find it. :(

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Re: Mustachian People Problems (just for fun)
« Reply #2892 on: July 15, 2016, 05:00:28 PM »
I bought a watermelon today, and all I could think about was that post where someone's daughter wanted to buy a watermelon with her savings. I wanted to read it again but I can't find it. :(

It's quoted right above your comment. :)
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Re: Mustachian People Problems (just for fun)
« Reply #2893 on: July 15, 2016, 06:06:21 PM »
I bought a watermelon today, and all I could think about was that post where someone's daughter wanted to buy a watermelon with her savings. I wanted to read it again but I can't find it. :(

Scroll up in this thread. Someone re-posted it a couple of days ago.

DCKatie09

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Re: Mustachian People Problems (just for fun)
« Reply #2894 on: July 16, 2016, 06:20:54 AM »
My MPP today: I forgot to put up the leftover sauteed sweet potato and spinach from dinner last night, which I was planning on for breakfast this morning - so mad at myself for accidentally wasting (less than 50 cents worth of) food and ruining my delicious leftover breakfast plan.

Don't worry - I did remember to put up the leftover salmon (fresh wild-caught alaskan salmon on a 1-day sale for 6.99/lb? yes, thank you!).

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Re: Mustachian People Problems (just for fun)
« Reply #2895 on: July 16, 2016, 09:18:09 AM »
My MPP today: I forgot to put up the leftover sauteed sweet potato and spinach from dinner last night, which I was planning on for breakfast this morning - so mad at myself for accidentally wasting (less than 50 cents worth of) food and ruining my delicious leftover breakfast plan.

Don't worry - I did remember to put up the leftover salmon (fresh wild-caught alaskan salmon on a 1-day sale for 6.99/lb? yes, thank you!).

Unless it looks or smells 'off,' I would still eat it.  It's not meat.  I accidentally left out teriyaki tempeh from last night's supper, so that got stuck in the fridge this morning and will just be stuck in a hot oven to toast back up when we eat it.
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Re: Mustachian People Problems (just for fun)
« Reply #2896 on: July 16, 2016, 02:52:11 PM »
My MPP today: I forgot to put up the leftover sauteed sweet potato and spinach from dinner last night, which I was planning on for breakfast this morning - so mad at myself for accidentally wasting (less than 50 cents worth of) food and ruining my delicious leftover breakfast plan.

Don't worry - I did remember to put up the leftover salmon (fresh wild-caught alaskan salmon on a 1-day sale for 6.99/lb? yes, thank you!).

Are you worried about bacteria? A bit of heat is going to kill anything harmful.
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Re: Mustachian People Problems (just for fun)
« Reply #2897 on: July 16, 2016, 03:23:47 PM »
My MPP today: I forgot to put up the leftover sauteed sweet potato and spinach from dinner last night, which I was planning on for breakfast this morning - so mad at myself for accidentally wasting (less than 50 cents worth of) food and ruining my delicious leftover breakfast plan.

Don't worry - I did remember to put up the leftover salmon (fresh wild-caught alaskan salmon on a 1-day sale for 6.99/lb? yes, thank you!).

Are you worried about bacteria? A bit of heat is going to kill anything harmful.

Some bacteria that breed in food produce toxins that are not eliminated by reheating. It's not just live bacteria you have to worry about.
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Re: Mustachian People Problems (just for fun)
« Reply #2898 on: July 16, 2016, 03:42:35 PM »
I eat stuff I forget out overnight. Spaghetti sauce, pizza, whatever. Teriyaki chicken and rice. I'm pretty healthy and rarely get sick and have never gotten sick at a time near when I ate food that was left out. Food guidelines are very conservative as they have to account for children, the elderly and otherwise sickly people.
I worry more about potatoes that have been in the pantry too long and look a bit green. Green potatoes are bad.
« Last Edit: July 16, 2016, 03:44:40 PM by pdxmonkey »

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #2899 on: July 16, 2016, 03:57:35 PM »
I worry more about potatoes that have been in the pantry too long and look a bit green. Green potatoes are bad.
That's just what they want you to think. We have to learn to treat all potatoes equally whatever their color.