Author Topic: Mustachian People Problems (just for fun)  (Read 864767 times)

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #3700 on: February 17, 2017, 10:50:43 AM »
My wife got an unexpected bonus last year which MMM could live off of for a year. A lot of her colleagues asked if she's finally going to buy a real "doctor" car like a BMW or something. Considering she spends 30 minutes in it 4 days a week, that sounded like a poor investment. We just maxed out our 401ks and then invested the amount we avoided in taxes also.

We have a doctor friend who recently finished his residency. Within a month or two: new McMansion, new BMW, new Mercedes SUV, new Harley, braces on kid's teeth, island vacation. His wife was pissed...she was quite happy in the old house and driving her old Honda.


galliver

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Re: Mustachian People Problems (just for fun)
« Reply #3701 on: February 17, 2017, 10:54:52 AM »
Bf: Mint keeps complaining that I'm over budget...on student loans!

(I expect it was actually the little "you've spent $XXXX on The Thing last month, usually you spend $XX!" message...)

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UKMustache

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Re: Mustachian People Problems (just for fun)
« Reply #3702 on: February 17, 2017, 02:54:28 PM »
My investment brokerage has just released a fancy new app which let's you make investments authorised by fingerprint on your smartphone (which mine is compatible with).

I'll never get to use it though because I only buy index funds via a monthly direct debit!

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #3703 on: February 17, 2017, 03:14:32 PM »
Bf: Mint keeps complaining that I'm over budget...on student loans!

(I expect it was actually the little "you've spent $XXXX on The Thing last month, usually you spend $XX!" message...)

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lol we had the same problem paying down my wife's. Now I get a weekly email from mint showing my spending categories. About twice a month it just says "something must be wrong you didn't spend any money this week". I always get a chuckle out of that one.
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Cannot Wait!

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Re: Mustachian People Problems (just for fun)
« Reply #3704 on: February 18, 2017, 09:37:55 AM »
So I'm saving it all! Part of me feels very boring for not having anything I really want, and not participating in "what are you buying with your bonus?" conversations. And this month I'll get to put almost 3x more into savings than I usually manage!
Join the conversation by telling them that you are buying your sweet freedom!
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fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #3705 on: February 18, 2017, 08:18:26 PM »
One of my kids was complaining about a stomach ache this morning. He improved and went on to have a great day. I still had to throw away his pizza leftovers at dinner instead of finishing them off. Throwing away pizza should be a crime.

Friar

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Re: Mustachian People Problems (just for fun)
« Reply #3706 on: February 19, 2017, 04:35:15 PM »
My investment brokerage has just released a fancy new app which let's you make investments authorised by fingerprint on your smartphone (which mine is compatible with).

I'll never get to use it though because I only buy index funds via a monthly direct debit!

Which broker? I'm looking at switching mine to an app based affair.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3707 on: February 20, 2017, 04:40:01 PM »
My investment brokerage has just released a fancy new app which let's you make investments authorised by fingerprint on your smartphone (which mine is compatible with).

I'll never get to use it though because I only buy index funds via a monthly direct debit!

Which broker? I'm looking at switching mine to an app based affair.

Almost all of them?

moof

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Re: Mustachian People Problems (just for fun)
« Reply #3708 on: February 20, 2017, 05:27:47 PM »
Got a small atta-boy bonus at work a few months ago, $300.  It was on a gift card, which I hate hassling with.  Couldn't think of any fun toys to buy, so I sent to to my hardworking sister with perpetual misfortune and bad luck.  She was thrilled.  Her happiness was worth it to me, and I didn't have to deal with the darn gift card.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3709 on: February 20, 2017, 06:41:37 PM »
Got a small atta-boy bonus at work a few months ago, $300.  It was on a gift card, which I hate hassling with.  Couldn't think of any fun toys to buy, so I sent to to my hardworking sister with perpetual misfortune and bad luck.  She was thrilled.  Her happiness was worth it to me, and I didn't have to deal with the darn gift card.

Another option would've been to sell it to a reseller such as Cardpool. https://www.giftcardwiki.com/ will show you the best rates per brand.

I do this for profit and made $5035 last year.

HappierAtHome

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Re: Mustachian People Problems (just for fun)
« Reply #3710 on: February 21, 2017, 12:20:51 AM »
FIL has asked us to nominate something he can buy for our son (due in May) as a special present - he initially offered to buy the cot, but MIL (divorced) is already handling that.

The problem is that we've picked up so many second-hand baby things free from neighbours, friends and our local Buy Nothing group that we are struggling to come up with something useful and 'big enough' (his standards, not ours!) for him to buy us.

lbdance

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Re: Mustachian People Problems (just for fun)
« Reply #3711 on: February 21, 2017, 01:14:54 AM »
FIL has asked us to nominate something he can buy for our son (due in May) as a special present - he initially offered to buy the cot, but MIL (divorced) is already handling that.

The problem is that we've picked up so many second-hand baby things free from neighbours, friends and our local Buy Nothing group that we are struggling to come up with something useful and 'big enough' (his standards, not ours!) for him to buy us.

My FIL was similar. I suggested I wanted some really good quality merino sleeping bags and so he gave money for that. If you don't have any already, I thoroughly recommend them, they have been great as a sleep cue and not stressing with blankets in winter. He also then wanted to contribute to the pram - but we ended up getting a small stroller so didn't mention that.

secondcor521

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Re: Mustachian People Problems (just for fun)
« Reply #3712 on: February 21, 2017, 05:14:53 AM »
FIL has asked us to nominate something he can buy for our son (due in May) as a special present - he initially offered to buy the cot, but MIL (divorced) is already handling that.

The problem is that we've picked up so many second-hand baby things free from neighbours, friends and our local Buy Nothing group that we are struggling to come up with something useful and 'big enough' (his standards, not ours!) for him to buy us.

Start of a college savings account?
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meerkat

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Re: Mustachian People Problems (just for fun)
« Reply #3713 on: February 21, 2017, 05:29:40 AM »
FIL has asked us to nominate something he can buy for our son (due in May) as a special present - he initially offered to buy the cot, but MIL (divorced) is already handling that.

The problem is that we've picked up so many second-hand baby things free from neighbours, friends and our local Buy Nothing group that we are struggling to come up with something useful and 'big enough' (his standards, not ours!) for him to buy us.

Grandparents bought the crib/cot, a very comfortable leather armchair, and the video monitor. Other "big" items could be a car seat, pack n play, a swing that plugs into the wall rather than eating through batteries. If everything like that is already taken care of, sleep sacks are a good idea. I don't think a lot of people realize how much a few sleep sacks can add up, plus they look cute so FIL can feel like he got something cute and baby-ish.
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Will this matter in ten years?

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3714 on: February 21, 2017, 07:02:45 AM »
Another option would've been to sell it to a reseller such as Cardpool. https://www.giftcardwiki.com/ will show you the best rates per brand.

I do this for profit and made $5035 last year.

Can you elaborate?

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3715 on: February 21, 2017, 01:22:11 PM »
Another option would've been to sell it to a reseller such as Cardpool. https://www.giftcardwiki.com/ will show you the best rates per brand.

I do this for profit and made $5035 last year.

Can you elaborate?

Let's say you've been given a gift card to Lowe's you don't want. https://www.giftcardwiki.com/gift-cards/Lowe's tells us that the best sell rate is either 82.5% from Cardpool or 87% from the GCW Trading club. The trading club is a private group. If you're starting out I probably wouldn't start there.

So you can create an account at Cardpool and mail the card in (many cards do have to be mailed in. Some do not. It depends on the reseller you're selling to. Some resellers accept electronic cards at lower rates.) You'll receive payment after some delay. I forget what payment options Cardpool has, but in general all resellers offer checks as payment. Some resellers will pay via Paypal and/or ACH as well.

As for how to make $5035 in a year, obviously you need to find gift cards to buy at lower than what you can sell them for. Deals can be found from http://deals.ebay.com/other-deals/gift-cards (don't buy the pre-owned ones - you can't sell those), Costco, Sam's Club, Staples, etc.

To give you an idea of the margins, I pulled in $43k in revenues and had $38k in costs to get that $5k in profit from gift card reselling.

MM_MG

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Re: Mustachian People Problems (just for fun)
« Reply #3716 on: February 22, 2017, 09:53:52 PM »
I don't know if this was covered before but...

Vanguard retirement calculator:   https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementIncomeCalc.jsf

One cannot save more than $60,000 annually and you "need" 60% of your annual income in retirement.   Neither of which apply to us. 

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #3717 on: February 23, 2017, 01:21:15 AM »
The notion that you need a certain percentage of your last income in retirement is horrible. Although it is probably true for most people. Which is horrible too.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3718 on: February 23, 2017, 11:19:00 AM »
The notion that you need a certain percentage of your last income in retirement is horrible. Although it is probably true for most people. Which is horrible too.

It's true for everybody.  Even zero is a percentage.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #3719 on: February 26, 2017, 09:54:05 AM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3720 on: February 26, 2017, 11:00:45 AM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

Traditionally stock markets also climb up again after a crash. Especially when you have spread your stock, like in a index fund and you have the time to sit it out. Otherwise you could consider selling some now when things are good and buy stock on a foreign market.

FiguringItOut

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Re: Mustachian People Problems (just for fun)
« Reply #3721 on: February 27, 2017, 07:54:55 AM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

That is how I feel exactly.  I see my small portfolio go up every month by $1,500-2,000 and it makes me more worried than happy.  I can't fully understand this feeling either.  We live in strange times, for sure.

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #3722 on: February 27, 2017, 10:55:09 AM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

That is how I feel exactly.  I see my small portfolio go up every month by $1,500-2,000 and it makes me more worried than happy.  I can't fully understand this feeling either.  We live in strange times, for sure.

I feel a bit let down too every time I see it keep moving up.  Whether or not it's a fair value, up is not good for anybody not close to FI.  I think I'll feel a little better once interest rates get back somewhere in the realm of normal. 

Tasty Pinecones

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Re: Mustachian People Problems (just for fun)
« Reply #3723 on: February 27, 2017, 11:07:29 AM »
Back around thanksgiving I found an Otterbox phone case at goodwill for $2.  It wasn't new but it was in decent shape. I think I had my hands full and was going to go back to it after trying clothing on, but I forgot. I desperately need a new phone case but now I can't make myself buy the decent $11 case from Amazon because $2 has been set as my new acceptable cost for one.

Advantages of having an older phone or an "off-brand" phone: cheaper cases. Really cheap as the phone "ages out" for most people. Meanwhile my cheapo phone carries on, good battery and all.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3724 on: February 28, 2017, 04:56:27 AM »
I feel a bit let down too every time I see it keep moving up.  Whether or not it's a fair value, up is not good for anybody not close to FI.  I think I'll feel a little better once interest rates get back somewhere in the realm of normal.
They are normal. In an economy where you can make factors more money by shuffling money from A to B to C and back to A, then by investing it (aka increase some sort of production), negative interest rates are the only thing that prevents the whole system from collaps. Such, negative interest is normal in this system.

force majeure

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Re: Mustachian People Problems (just for fun)
« Reply #3725 on: February 28, 2017, 08:15:07 AM »
I emailed Dave Ramsey with a plea for help, am waiting for his reply;

Dear Dave,

Can you help me with advice for this financial problem I am having?
I am 45 years old - My passive income from low cost index funds and rental income is now greater than my salary - what should I do?
"The road to financial independence is built 10 cent at a time"

Canadian Ben

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Re: Mustachian People Problems (just for fun)
« Reply #3726 on: February 28, 2017, 11:14:44 AM »
Dave Ramsey would answer: Stop wasting your money and time on emailing people for help. You are now capable enough to stand on your own.


-And then you'll have to !

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #3727 on: February 28, 2017, 11:28:20 AM »
Dave Ramsey would answer: Stop wasting your money and time on emailing people for help. You are now capable enough to stand on your own.


-And then you'll have to !

Pretty sure Dave Ramsey would tell you to switch from low cost index funds to the high load funds he recommends (with commission)...

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #3728 on: February 28, 2017, 02:05:47 PM »
My MPP: 

We recently received a nice windfall.  I was excited.  I deposited it in the bank and felt a little deflated when it was added to the pile. 

Psychologically I know it gets us closer to FIRE but today it changes nothing.  It was a bit of a letdown.


LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3729 on: March 01, 2017, 06:07:52 AM »
My MPP: 

We recently received a nice windfall.  I was excited.  I deposited it in the bank and felt a little deflated when it was added to the pile. 

Psychologically I know it gets us closer to FIRE but today it changes nothing.  It was a bit of a letdown.
Thats why you (psychologically) should do something nice with a part of it. Go out eating, if you like that. Make a bungee jump if you are into that. Make a donation to something you deem worthy.
It costs you under 100$ but the stuffed away 5000$ dont feel wasted then, quite contrary.

G-dog

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Re: Mustachian People Problems (just for fun)
« Reply #3730 on: March 01, 2017, 07:47:21 AM »
My MPP: 

We recently received a nice windfall.  I was excited.  I deposited it in the bank and felt a little deflated when it was added to the pile. 

Psychologically I know it gets us closer to FIRE but today it changes nothing.  It was a bit of a letdown.
Thats why you (psychologically) should do something nice with a part of it. Go out eating, if you like that. Make a bungee jump if you are into that. Make a donation to something you deem worthy.
It costs you under 100$ but the stuffed away 5000$ dont feel wasted then, quite contrary.

Invest some of it! Then it is working harder for you!
And, it's OK to do what LennStar recommends too.

neverrun

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Re: Mustachian People Problems (just for fun)
« Reply #3731 on: March 01, 2017, 02:21:30 PM »
MPP,

Having to wait until tomorrow morning to see how much the market gains added to my TSP.

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #3732 on: March 01, 2017, 02:48:11 PM »
My MPP: 

We recently received a nice windfall.  I was excited.  I deposited it in the bank and felt a little deflated when it was added to the pile. 

Psychologically I know it gets us closer to FIRE but today it changes nothing.  It was a bit of a letdown.
Thats why you (psychologically) should do something nice with a part of it. Go out eating, if you like that. Make a bungee jump if you are into that. Make a donation to something you deem worthy.
It costs you under 100$ but the stuffed away 5000$ dont feel wasted then, quite contrary.

Maybe that's my other MPP - I don't *want* anything.  So spending a small amount of it on something "fun" isn't that fun.  Donation is a good idea, though!

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #3733 on: March 01, 2017, 02:50:11 PM »

Invest some of it! Then it is working harder for you!
And, it's OK to do what LennStar recommends too.

Oh, it'll be invested!  The bank is just storage until we move it.

Freshwater

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Re: Mustachian People Problems (just for fun)
« Reply #3734 on: March 01, 2017, 04:18:36 PM »
My MPP: 

We recently received a nice windfall.  I was excited.  I deposited it in the bank and felt a little deflated when it was added to the pile. 

Psychologically I know it gets us closer to FIRE but today it changes nothing.  It was a bit of a letdown.
Thats why you (psychologically) should do something nice with a part of it. Go out eating, if you like that. Make a bungee jump if you are into that. Make a donation to something you deem worthy.
It costs you under 100$ but the stuffed away 5000$ dont feel wasted then, quite contrary.

Maybe that's my other MPP - I don't *want* anything.  So spending a small amount of it on something "fun" isn't that fun.  Donation is a good idea, though!

Oh no, that really IS a MPP! I use the 5% blow money rule to windfalls, but I have always had something I wanted but couldn't really justify... new phone... takeaway...

Helvegen

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Re: Mustachian People Problems (just for fun)
« Reply #3735 on: March 01, 2017, 08:58:28 PM »
I got my auto insurance renewal statement and found out my six month premium was going up again. I thought, I'll show them and go find another company.

Yeah, no. I am apparently paying the lowest rate by far even with the hike for the coverages I need.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3736 on: March 03, 2017, 08:10:01 AM »
Since knowing this website, I often look up other websites that give saving tips. Practically every tip is something I already do, like paying your bills automaticcaly or is not relevant for me, like refinancing consumer debts. There are few new ways to find to save money.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #3737 on: March 03, 2017, 07:19:48 PM »
Received info on my bonus today.  It's bigger than expected.  I don't want to spend it, but with this market, I don't want to invest it either...

Izybat

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Re: Mustachian People Problems (just for fun)
« Reply #3738 on: March 03, 2017, 08:07:05 PM »
My MPP for yesterday:

I went to my bank website to pay extra on one of our last remaining debts. I paid about 10x what I would normally pay in a month. I got a message along the lines of "This is quite a bit more than you usually pay in a month. Are you sure you would like to proceed?"  Heck yeah, I want to proceed.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3739 on: March 03, 2017, 08:36:56 PM »
My MPP for yesterday:

I went to my bank website to pay extra on one of our last remaining debts. I paid about 10x what I would normally pay in a month. I got a message along the lines of "This is quite a bit more than you usually pay in a month. Are you sure you would like to proceed?"  Heck yeah, I want to proceed.

That's actually a really nice feature.  I've added an extra zero by accident before....

Mezzie

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Re: Mustachian People Problems (just for fun)
« Reply #3740 on: March 03, 2017, 08:50:13 PM »
I can't think of five things I use up often enough to be able to use Amazon's subscribe and save 15% discount.
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Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #3741 on: March 04, 2017, 08:35:16 AM »
I can't think of five things I use up often enough to be able to use Amazon's subscribe and save 15% discount.
We have the same problem, we tried the subscribe and save thing and it just never worked for us.

DeepEllumStache

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Re: Mustachian People Problems (just for fun)
« Reply #3742 on: March 04, 2017, 04:52:36 PM »
Received info on my bonus today.  It's bigger than expected.  I don't want to spend it, but with this market, I don't want to invest it either...

Yep. In the same boat here. 
And a journal because I #REF occasionally

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3743 on: March 05, 2017, 06:15:03 PM »
Received info on my bonus today.  It's bigger than expected.  I don't want to spend it, but with this market, I don't want to invest it either...

Yep. In the same boat here.

Invest it.  If you really can't, reconsider your AA or investment plan.  Remember, keeping it in cash means decreasing your stock/bond holdings by an equivalent amount, which is market timing.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #3744 on: March 05, 2017, 07:08:07 PM »
I can't think of five things I use up often enough to be able to use Amazon's subscribe and save 15% discount.
We have the same problem, we tried the subscribe and save thing and it just never worked for us.
I'd been wanting technical book since it came out at a list price of $120.
 I've watched the price drop until it was recently $56.96, but only with a Prime account.
 A week or two ago, Amazon was celebrating something and had an $8.62 discount.
So I called my daughter and had her order it on her account for me, she used the code, got the price and the discount.
Such a deal.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3745 on: March 05, 2017, 11:41:31 PM »
Big problem: feeling guilty if I can't write anything in the thread "What small things did you do today to save money?". Eating home made lunch at the office doesn't count any more, as that has been mentioned already. I try to find a new small saving thing every day. But it is a challenge.

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #3746 on: March 06, 2017, 10:44:46 AM »
Big problem: feeling guilty if I can't write anything in the thread "What small things did you do today to save money?". Eating home made lunch at the office doesn't count any more, as that has been mentioned already. I try to find a new small saving thing every day. But it is a challenge.

Does it not count?  Maybe it's worth remembering the good habits you've been keeping  up for a while now.  I'm typing this at work as I eat the last bite of my leftover taco salad from supper. 

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #3747 on: March 06, 2017, 10:47:21 AM »
Big problem: feeling guilty if I can't write anything in the thread "What small things did you do today to save money?". Eating home made lunch at the office doesn't count any more, as that has been mentioned already. I try to find a new small saving thing every day. But it is a challenge.

I occasionally post "as usual" ones! It can be a fun little reminder to yourself of what you do every day to save money! Like Rural's wonderful "we didn't leave the mountain today" posts. =)
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sw1tch

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Re: Mustachian People Problems (just for fun)
« Reply #3748 on: March 06, 2017, 01:12:01 PM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.
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Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #3749 on: March 06, 2017, 01:47:00 PM »
Big problem: feeling guilty if I can't write anything in the thread "What small things did you do today to save money?". Eating home made lunch at the office doesn't count any more, as that has been mentioned already. I try to find a new small saving thing every day. But it is a challenge.

Totally. At this point I pretty much only find a few new money savings ideas per YEAR. That waiting period between finishing optimizing everything and having enough assets to retire is pretty unexciting, at least financially-speaking.
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