Author Topic: Mustachian People Problems (just for fun)  (Read 1850386 times)

OutlierinMA

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Re: Mustachian People Problems (just for fun)
« Reply #3350 on: December 14, 2016, 07:53:09 AM »
  LOL you know you're mustachian when your out of control spending is 21K/yr.

Love this!

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #3351 on: December 14, 2016, 09:14:14 AM »
Earlier this year I committed myself to developing new hobbies and spending less time obsessing over my financial spreadsheets.  Overall this went well and I feel confident that I have something to FIRE to instead of just escaping work life.  However between the uptick in hobby spending and moving in with my non-mustachian boyfriend, I've felt like my spending has been out of control.  Since most of the spending for the year is done, I took a look at my totals per budget category and overall.  Imagine my surprise when after eating out more, wasting more food at home, buying alot of $$$ hobby supplies, a new tablet and new living room furniture, my total expenditures for the year was ~21K and my savings rate was 68% which is almost exactly what it was last year.  LOL you know you're mustachian when your out of control spending is 21K/yr.

I know the feeling. We went nuts this year, going to tons of concerts and movies, traveling to Europe, Asia, and Vegas,and generally spending what seemed like a lot to me - and it turns out our total spending is actually slightly less than last year, at a current $27,120.

Saskatchewstachian

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Re: Mustachian People Problems (just for fun)
« Reply #3352 on: December 14, 2016, 10:18:45 AM »
Good call, TrMama.  Thank you for the update.

"Since we're in BC there is only one car insurer..."
In New York State, where there are possibly dozens of auto insurers (maybe?  a lot, at least), this amazes me.

This is specific to BC in Canada, and doesn't exist in any form in any US state. It's a little analogous to the states where the state controls the Workers Comp market entirely (ND, OH, WA, WY), as opposed to NY where dozens of carriers write WC, but there's also the State Fund.


This is the same in multiple provinces, here is SK my insurance (comes standard as part of renewing your license plate) was $1200/year for my car, and this is after a 20% discount for good driving. DW's old vehicle, a 2004 2 door manual honda civic was $1300/yr, this is because a 2 door standard in classified as a sports car.... It's doesn't make a lot of sense and makes owning vehicles very expensive here.

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #3353 on: December 14, 2016, 10:19:38 AM »
When you lose track of when your rent check is being cashed... and it's a GOOD thing. "There's a lot of money in my checking account, I guess my rent check didn't go through yet. Oh, it did? Huh. Hang on, I manufactured spend on my CSR last month so that's like $2000 that has to be paid out. Wait, that was already paid too? Huh. *goes to www.vanguard.com* "

Speaking of rent checks, we're probably not going to see ours this month because the floors need to be redone because of some water damage.  It's rough being the one that gets the rent check instead of the one that pays it. 

Jakejake

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Re: Mustachian People Problems (just for fun)
« Reply #3354 on: December 14, 2016, 11:44:55 AM »
... So I go to the bank and pull a few hundred out for pocket money for the month. Every time I go in there, they look at my accounts and offer to set me up with a better savings account and I decline.
It's been a few months since I caught up with this thread. I had a crazy unsolicited high pressure sales pitch from my local bank manager that I had too much money sitting in savings there and I should move it to something with better returns. It was beyond polite suggestion and into car salesman tactics. It felt kinda nice on a later visit to let them know I listened to his advice and did a big transfer from their bank to our Vanguard accounts. 

A new submission to the thread, a letter I received a few months ago from the Office of Retirement Services:

"Dear Jakejake,

Effective July 1, 2016, the State of Michigan 401k and 457 plans will be establishing a new policy that limits the elective contribution rate to 70 percent of gross wages. During a recent review of your State of Michigan 457 Plan account, our records indicate your elective contribution rate is greater than 70 percent. Because of this, your contribution rate will be adjusted to the new maximum of 70 percent, which will begin with the next available pay period after July 1 ..."

-----
Joke's on them. I FIRE'd in June.  I like to think I'm the one person who broke the system.

katstache92

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Re: Mustachian People Problems (just for fun)
« Reply #3355 on: December 14, 2016, 12:13:21 PM »
Just had to call Vanguard because I'm going to max out my 401k for the first time ever (yay!) and I didn't know what would happen to the overage that would be caused by my current percentage.  Then I had to explain I wasn't really over 18k already that my last paycheck from 2015 hit Vanguard in early 2016 and the total Vanguard shows isn't what my pay stub shows.

Apparently the payroll of my company will take care of it and stop it automatically at 18k.  So let's hope that happens.

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3356 on: December 14, 2016, 12:55:49 PM »
Good call, TrMama.  Thank you for the update.

"Since we're in BC there is only one car insurer..."
In New York State, where there are possibly dozens of auto insurers (maybe?  a lot, at least), this amazes me.

This is specific to BC in Canada, and doesn't exist in any form in any US state. It's a little analogous to the states where the state controls the Workers Comp market entirely (ND, OH, WA, WY), as opposed to NY where dozens of carriers write WC, but there's also the State Fund.


This is the same in multiple provinces, here is SK my insurance (comes standard as part of renewing your license plate) was $1200/year for my car, and this is after a 20% discount for good driving. DW's old vehicle, a 2004 2 door manual honda civic was $1300/yr, this is because a 2 door standard in classified as a sports car.... It's doesn't make a lot of sense and makes owning vehicles very expensive here.

On the plus side though, it seems to make it more difficult for egregious personal injury lawsuits to gain any traction. Since ICBC (the BC auto insurance company) is the only one that can sell liability insurance here, they always represent both sides and it's difficult for people who don't have a demonstrable problem to get any kind of payout.

I know there are a lot of complaints about single insurer provinces/states. But they are fantastic at limiting liability and therefore protecting our stash.

StartingEarly

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Re: Mustachian People Problems (just for fun)
« Reply #3357 on: December 14, 2016, 06:41:57 PM »
I want to buy a first generation Honda Insight, but I can't justify the cost of a second vehicle with fuel savings. Guess I will have to buy it anyways and feel guilty about spending a few thousand on a toy that at best will come out as a wash lol

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3358 on: December 15, 2016, 12:38:20 AM »
...
Joke's on them. I FIRE'd in June.  I like to think I'm the one person who broke the system.

Congratulations Jakejake!

Hadilly

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Re: Mustachian People Problems (just for fun)
« Reply #3359 on: December 15, 2016, 07:20:05 AM »
I have way too much uninvested money sitting in a vanguard money market account that I need to get into the market.

aetherie

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Re: Mustachian People Problems (just for fun)
« Reply #3360 on: December 15, 2016, 08:05:32 AM »
I want to buy a first generation Honda Insight, but I can't justify the cost of a second vehicle with fuel savings. Guess I will have to buy it anyways and feel guilty about spending a few thousand on a toy that at best will come out as a wash lol

Do it! I <3 my 1st gen Insight. Best car ever, even if it sometimes has trouble getting up hills.

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #3361 on: December 15, 2016, 10:55:14 AM »
  LOL you know you're mustachian when your out of control spending is 21K/yr.

Love this!

I ran a year end report that showed our total spending as 80,000!!! Now, we've done some work on our house this year but I nearly fell off my chair (genuinely!).

When I drilled down I saw 55k was to our mortgage. Phew.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3362 on: December 16, 2016, 05:24:28 PM »
Usually credit card companies distinguish between cards using the last four or five digits.  "The AMEX ending in 12345", for example.

I do credit card offers.  So many that I, by chance, have two AMEX cards with the same ending five digits.  This causes confusion when I try to talk to AMEX about the newer card.

In other news, my Lexus with 145K miles is too old for Uber.

This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3363 on: December 16, 2016, 05:46:08 PM »
Usually credit card companies distinguish between cards using the last four or five digits.  "The AMEX ending in 12345", for example.

I do credit card offers.  So many that I, by chance, have two AMEX cards with the same ending five digits.  This causes confusion when I try to talk to AMEX about the newer card.

In other news, my Lexus with 145K miles is too old for Uber.

This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

So they expect people to have no more than 10 accounts, but a hundred AUs on each account?  Sounds backwards.

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3364 on: December 17, 2016, 01:55:48 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3365 on: December 17, 2016, 02:41:18 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

Not particularly. The other digits in Amex cards isn't all that random either. I read about it a while back but I don't remember where.

You can read about the checksum here (though despite checking the source code I wouldn't enter your cc number there) http://www.brainjar.com/js/validation/default2.asp

EDIT -: only six digits are random. http://www.businessinsider.com/credit-card-numbers-meaning-2014-7
« Last Edit: December 17, 2016, 02:50:27 AM by johnny847 »

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3366 on: December 17, 2016, 02:44:42 AM »
Usually credit card companies distinguish between cards using the last four or five digits.  "The AMEX ending in 12345", for example.

I do credit card offers.  So many that I, by chance, have two AMEX cards with the same ending five digits.  This causes confusion when I try to talk to AMEX about the newer card.

In other news, my Lexus with 145K miles is too old for Uber.

This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

So they expect people to have no more than 10 accounts, but a hundred AUs on each account?  Sounds backwards.

The checksum isn't meant to be a unique identifier.

Furthermore I assume Amex doesn't give a shit about the problems having two cards with the same last four digits can cause.

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3367 on: December 17, 2016, 03:35:24 AM »
  LOL you know you're mustachian when your out of control spending is 21K/yr.

Love this!

I ran a year end report that showed our total spending as 80,000!!! Now, we've done some work on our house this year but I nearly fell off my chair (genuinely!).

When I drilled down I saw 55k was to our mortgage. Phew.

Haha. Nice.

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3368 on: December 17, 2016, 06:12:16 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

Not particularly. The other digits in Amex cards isn't all that random either.

But the whole point of a check sum is that changing any one number or switching any two adjacent numbers should change the check sum digit. So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards. It could be that the check sum doesn't use the whole 14 digits?


johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3369 on: December 17, 2016, 08:02:41 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

Not particularly. The other digits in Amex cards isn't all that random either.

But the whole point of a check sum is that changing any one number or switching any two adjacent numbers should change the check sum digit. So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards. It could be that the check sum doesn't use the whole 14 digits?

Your first point is correct, but there are only ten possible checksum digits. Furthermore as I already noted only six digits are random between your credit cards.

Why don't you run the formula to find out?

EDIT: Because only six digits are random between your credit cards, while the checksum is generated from all the other 14 digits, only the six random digits will actually change the checksum. And if you look at the formula there are plenty of combinations of changes to pairs of digits that will not change the checksum.
« Last Edit: December 17, 2016, 08:08:19 AM by johnny847 »

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #3370 on: December 17, 2016, 08:08:22 AM »
So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards.

As johnny847 pointed out, there are only 10 possible checksum digits, regardless of how much you change around the other digits. So the odds of have the same checksum on 5 randomly chosen cards should be 1 in 100,000.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3371 on: December 17, 2016, 08:23:41 AM »
So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards.

As johnny847 pointed out, there are only 10 possible checksum digits, regardless of how much you change around the other digits. So the odds of have the same checksum on 5 randomly chosen cards should be 1 in 100,000.

True, but the cards aren't chosen at random here. We already know that the first four digits are not random. They're fixed. Digits twelve through fourteen are always 100 if the OP has never lost a card and asked for a replacement, and is not an authorized user card. This will bias your checksum digit.

Warlord1986

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Re: Mustachian People Problems (just for fun)
« Reply #3372 on: December 17, 2016, 08:25:20 AM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am. The problem is I was waiting for the market to go down so I could get a bargain. Drunk-me doesn't understand buying mutual funds on sale.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #3373 on: December 17, 2016, 09:56:46 AM »
...Drunk-me doesn't understand buying mutual funds on sale.
Drunk you DOES understand dollar-cost-averaging, so stop complaining.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3374 on: December 17, 2016, 10:12:25 AM »
...Drunk-me doesn't understand buying mutual funds on sale.
Drunk you DOES understand dollar-cost-averaging, so stop complaining.

And at least drunk you isn't blowing money on useless junk!

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #3375 on: December 17, 2016, 10:55:11 AM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind, and if we're on a road trip, they have the best bathrooms, lol!)

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3376 on: December 17, 2016, 11:43:26 AM »
My MPP:
I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

I think this means you get a prize?

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #3377 on: December 17, 2016, 11:51:17 AM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind,
My reward is drinking the free coffee they offer at Home Depot.

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #3378 on: December 18, 2016, 01:57:39 PM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind,
My reward is drinking the free coffee they offer at Home Depot.

Wait what? Where do they offer free coffee there? I have never seen this!

Greenway52

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Re: Mustachian People Problems (just for fun)
« Reply #3379 on: December 18, 2016, 04:32:36 PM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am.

Haha .. love this! You're so Mustachian that this is what you're thinking of when drunk!

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #3380 on: December 18, 2016, 05:13:36 PM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am.

Haha .. love this! You're so Mustachian that this is what you're thinking of when drunk!

Oh now you're just giving me ideas! I want to dump more money into CommSec but can't seem to pull the trigger while sober...

Warlord1986

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Re: Mustachian People Problems (just for fun)
« Reply #3381 on: December 18, 2016, 07:51:14 PM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am.

Haha .. love this! You're so Mustachian that this is what you're thinking of when drunk!

I actually think it's because I was with a friend who told me I should do it. I can't quite recall the actual conversation but it probably went something like:

"Save, baby girl, save. Those dumbasses who spend all their money never escape the rat race. Save your money and then you don't have to kiss ass to keep a shitty job."

We've had that conversation before and it usually goes along those lines.

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3382 on: December 19, 2016, 01:57:53 AM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am.

Haha .. love this! You're so Mustachian that this is what you're thinking of when drunk!

I actually think it's because I was with a friend who told me I should do it. I can't quite recall the actual conversation but it probably went something like:

"Save, baby girl, save. Those dumbasses who spend all their money never escape the rat race. Save your money and then you don't have to kiss ass to keep a shitty job."

We've had that conversation before and it usually goes along those lines.

This is a good friend.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #3383 on: December 19, 2016, 06:06:49 AM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind,
My reward is drinking the free coffee they offer at Home Depot.

Wait what? Where do they offer free coffee there? I have never seen this!
The HD near me has it near the commercial sales area.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3384 on: December 19, 2016, 06:38:26 AM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind, and if we're on a road trip, they have the best bathrooms, lol!)

When I go to Home Depot I get a coffee reward too!

From Home Depot.

For Free.

In the contractor area. Exact location depends on the store.

If you don't drink coffee, most of 'em have a hot water tap on the machine if you have a teabag - which I do when traveling. Some of them stock hot cocoa packets.

Works at Lowe's too.

Freckles

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Re: Mustachian People Problems (just for fun)
« Reply #3385 on: December 19, 2016, 01:03:10 PM »
It almost sounds like a fun family outing. I can take my dog into Home Depot. My kids think the place is awesome. And free coffee for the parents!

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #3386 on: December 19, 2016, 02:15:00 PM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind, and if we're on a road trip, they have the best bathrooms, lol!)

When I go to Home Depot I get a coffee reward too!

From Home Depot.

For Free.

In the contractor area. Exact location depends on the store.

If you don't drink coffee, most of 'em have a hot water tap on the machine if you have a teabag - which I do when traveling. Some of them stock hot cocoa packets.

Works at Lowe's too.

...do you have to be a contractor to go into the contractor area?

It almost sounds like a fun family outing. I can take my dog into Home Depot. My kids think the place is awesome. And free coffee for the parents!

Old Miss Dog would have no interest in this. People think she is cute and want to touch her. If she's in public, she would prefer people go away and leave her to her sniffing of interesting things.

I don't mind short HD trips. It's the long ones that kill me. Usually because it means we've had to go through multiple sales associates that have no idea what they're doing, or are dealing with some sort of stock issue. Since buying a house, I feel like we live at HD some days.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #3387 on: December 19, 2016, 03:22:46 PM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,
« Last Edit: December 19, 2016, 03:25:47 PM by Rural »

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3388 on: December 19, 2016, 03:30:24 PM »
So, not totally mustachian because we were buying a car, but we weren't sure if we were going to finance part of it (so we could keep more cash invested), or just pay in cash. Anyway, we filled out the application for financing so we'd at least have the option. We'll see what interest rate they come back with.

While writing down our personal finance details, I felt dizzy.  I had to ask DH what our house is worth. He had to ask me how much he makes annually. Neither of us knew what to put down in the section on how much we pay in rent/mortgage, since we recently paid off our mortgage. The whole exercise felt really surreal. Kind of like standing naked in front of a room full of strangers.

Next MPP: We pick up the car on Thursday. On Friday, I will bike to work.

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3389 on: December 19, 2016, 03:32:15 PM »
...do you have to be a contractor to go into the contractor area?

Yes, they check your contractor license before they let you through the golden doors ;-)

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3390 on: December 21, 2016, 01:23:39 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3391 on: December 21, 2016, 02:06:52 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Passive solar heating: no panels.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3392 on: December 21, 2016, 02:56:51 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.
Let it rot in the house. Rotting produces heat ;)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3393 on: December 21, 2016, 02:57:14 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3394 on: December 21, 2016, 03:38:07 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3395 on: December 21, 2016, 04:18:36 AM »
Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Doesn't this go by itself? Our compost bin outside is well insulated. It even has an extra lid inside that presses on the stuff that is inside. A lot of heat comes off it. De composting itself generates heat well. But it does get a bit smelly. I personally wouldn't want it in my house.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3396 on: December 21, 2016, 05:00:00 AM »
This is either a "I've spoiled my children rotten" or a "mustachian children" problem. Christmas is in 3 days, and the kids don't have a wish list. Or, the oldest has one, where the top item is that we help her clean her room. We can probably find something they need, like clothes to replace what they have grown out of, or rebuild their furniture to better fit their needs. But the girls both have clearly said that they are very happy with what they have got in the toys, books, and hobbies department.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #3397 on: December 21, 2016, 05:15:14 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Okay, guys, dogs. Sneaky big ones. I cannot compost in the house even if I had magic no-smell compost; I must do it outside their fence.

 However, if it makes you feel better, the tomatoes I had growing next to the compost survived the first two light freezes, no doubt in part because of the microclimate from our southern espxoosure but surely also partly due to the heat from the compost (and the general health that results from growing so close to the heap likely didn't hurt).

And for Linda: yes passive solar heat, no panels. High thermal mass, southern exposure only (rest of the house is earth sheltered), lots and lots of heat gain from the sun through our southern wall of mostly windows in winter most of the time. But not the last few days. Which is frustrating since today will be the very best angle for getting the most of our solar heat all year, and what do we have? Freezing fog.

So today's MPP: freezing fog.
« Last Edit: December 21, 2016, 07:38:15 AM by Rural »

Apples

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Re: Mustachian People Problems (just for fun)
« Reply #3398 on: December 21, 2016, 07:33:04 AM »
...do you have to be a contractor to go into the contractor area?

Yes, they check your contractor license before they let you through the golden doors ;-)

You do not.  I've been over in that section.  I've needed to buy a few things for our farm from that section of the store.  I am not the sort of person you would mistake for a contractor, and I couldn't fake it.  And they don't really guard the coffee or anything.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3399 on: December 21, 2016, 08:16:21 AM »
So, not totally mustachian because we were buying a car, but we weren't sure if we were going to finance part of it (so we could keep more cash invested), or just pay in cash. Anyway, we filled out the application for financing so we'd at least have the option. We'll see what interest rate they come back with.

While writing down our personal finance details, I felt dizzy.  I had to ask DH what our house is worth. He had to ask me how much he makes annually. Neither of us knew what to put down in the section on how much we pay in rent/mortgage, since we recently paid off our mortgage. The whole exercise felt really surreal. Kind of like standing naked in front of a room full of strangers.

Next MPP: We pick up the car on Thursday. On Friday, I will bike to work.

Well, for rent/mortgage, just take the annual property tax and divide by 12....