Author Topic: Mustachian People Problems (just for fun)  (Read 1165461 times)

jlcnuke

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Re: Mustachian People Problems (just for fun)
« Reply #3950 on: July 03, 2017, 07:36:44 AM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..
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Luckyvik

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Re: Mustachian People Problems (just for fun)
« Reply #3951 on: July 04, 2017, 02:11:32 AM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..

Insane


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NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #3952 on: July 04, 2017, 06:47:26 AM »
I work at a company that considers itself a "Mission Based Company".  They actively balance profit and growth goals against their ability to help people.  Any I'm close enough to the senior management to know it's more than idle words.  They truly believe it, and run the company in a way they think will best benefit our customers.

The challenge:

The company is a consumer finance company.  By "helping" people, we are giving customers access to credit that banks won't provide.  These are mostly people with limited credit history and incomes in the $30-$40K range.  Loans are typically 30%-35% interest + fees.  Everyone is expected to be passionate about helping the underbanked, and it's a constant source of discussion.

My MPP:  Not rolling my eyes when the CEO talks about how many people we've helped is incredibly hard.  Although not "believing" in the mission would probably be a fireable offense.  Sure, we're WAY better than payday lenders and title loan companies, but I would never consider loaning money at 30% to be "helping" someone.

This is a fascinating MPP. Do you provide any budgeting advice with the loans? Could you? Do you ask about the purpose of the loans and reject them if someone believes they urgently need a trinket? Would you? Do you provide a savings service for the underbanked? [We have credit unions in the UK which are membership based savings organisations that provide reasonable loans.]

None of the above.  Fair Lending laws pretty much force us (in practice, if not in actual words) to remove subjective inputs from the loan decision process.  Either the algorithm approves the loan or not.  We do deny loans for LOTS of people that can't actually afford it.  We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

This is the biggest cognitive disconnect I've ever confronted.  Not only am I a natural saver, I am one of those mustachian's that is particularly debt averse.  I may not even buy a house until I can afford it outright.  Yet our CEO is always reading customer stories that are a combination of sad and heartwarming.  Things like people using loans to pay for adoptions, or a security deposit for an actual roof over their head.  Others include loans to help family members migrate to the US, pay for medical expenses, or open small businesses.

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Re: Mustachian People Problems (just for fun)
« Reply #3953 on: July 04, 2017, 08:32:06 AM »
We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

I get why this is but it seems kinda wrong to me. I would like to think that a company would need to show more restraint and control to responsibly lend than be the custodian for deposits.  Obviously, if there are irresponsible companies out there I'd prefer that they lent me money than took my money, but irresponsible lending does a lot of damage.

I didn't realise your Fair Lending laws worked like that - thanks. Ours seem to be slightly different, lenders can choose not to loan for certain purposes, even if the repayments are affordable. Having said that, they don't check (or I think, have a legal ability to check) that you used the loan for the purpose you stated. It's interesting that your laws force you to treat a loan for a holiday in the same way as a security deposit on (say) a lower priced home or to avoid homelessness.

Does it help to think of the next best alternative for these unbanked people? I'm guessing that dealing with your company is a whole lot more pleasant than dealing with an informal lender brandishing a crowbar?

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3954 on: July 04, 2017, 09:14:58 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

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Re: Mustachian People Problems (just for fun)
« Reply #3955 on: July 04, 2017, 09:30:10 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

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Re: Mustachian People Problems (just for fun)
« Reply #3956 on: July 04, 2017, 09:39:19 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

I was thinking the same thing. The sizes from the tags should be enough to determine fit.
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NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #3957 on: July 04, 2017, 06:05:12 PM »
We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

I get why this is but it seems kinda wrong to me. I would like to think that a company would need to show more restraint and control to responsibly lend than be the custodian for deposits.  Obviously, if there are irresponsible companies out there I'd prefer that they lent me money than took my money, but irresponsible lending does a lot of damage.

I didn't realise your Fair Lending laws worked like that - thanks. Ours seem to be slightly different, lenders can choose not to loan for certain purposes, even if the repayments are affordable. Having said that, they don't check (or I think, have a legal ability to check) that you used the loan for the purpose you stated. It's interesting that your laws force you to treat a loan for a holiday in the same way as a security deposit on (say) a lower priced home or to avoid homelessness.

Does it help to think of the next best alternative for these unbanked people? I'm guessing that dealing with your company is a whole lot more pleasant than dealing with an informal lender brandishing a crowbar?

Yea, financial services is a weird industry.  The simple story is that a company that lends irresponsibly will blow itself up.  A company that lends irresponsibly and has retail deposits will blow itself up, AND require a taxpayer funded bailout. 

I do feel good about being a good actor in a bad industry.  But I still hate that there is a demand for loans at 30%+ interest.

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Re: Mustachian People Problems (just for fun)
« Reply #3958 on: July 04, 2017, 06:27:10 PM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

I was thinking the same thing. The sizes from the tags should be enough to determine fit.

Hahahahahahahahahahahahahahaha
Even two bras from the same company that are the same size sometimes fit differently because of the way they are shaped.

Do you have a friend with a sewing dress form/sewing dummy?  That would be close to the SMS request of a mannequin.  If you do use yourself as a model, I'm sure you know not to include your face in the pic and to consider wearing a thin shirt/bike shorts underneath.
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VeggieTable

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Re: Mustachian People Problems (just for fun)
« Reply #3959 on: July 04, 2017, 06:49:40 PM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #3960 on: July 04, 2017, 08:04:10 PM »
Self imposed hermit for 12 days while my family is out of town. My goal is to drive as little as possible, spend as little as possible (1 grocery trip IF I run out of food), and overall be the antithesis to any overspending that the family is doing while out of town.

Well today was pretty boring and lonely. Didn't want to drive, or pay to hang out at a coffee shop. So I walked to the dog park, but no one was there because people all have better things to do on the 4th. Human interaction FAIL.
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Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3961 on: July 05, 2017, 02:44:06 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

I was thinking the same thing. The sizes from the tags should be enough to determine fit.

Hahahahahahahahahahahahahahaha
Even two bras from the same company that are the same size sometimes fit differently because of the way they are shaped.

Do you have a friend with a sewing dress form/sewing dummy?  That would be close to the SMS request of a mannequin.  If you do use yourself as a model, I'm sure you know not to include your face in the pic and to consider wearing a thin shirt/bike shorts underneath.

I managed to fit into it. Took a picture with the auto-trigger. But as it had autofocus and I had to push the button while I was standing close, it isn't very sharp. Then I cut out the picture, only showing the corset and that part of my body. Not my head and not my wider hips under it. It wasn't too revealing. I didn't put on the g-string, which would have been too uncomfortable.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3962 on: July 05, 2017, 09:32:18 AM »
Quote
The sizes from the tags should be enough to determine fit.

Tell that to that size 36 that was smaller then the 32 I was wearing last time I needed trousers.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3963 on: July 05, 2017, 09:40:14 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

You were both right and not. I still think the person who asked for a picture on a body was a girl. She asked to put it on a clothing manequin, which I don't have. But today I also received the first personal message from a guy named Karim who wrote me that my body looked very pretty under that corset, if it was my own body on that picture. So I have now removed the picture that doesn't show my head, but shows my cleavage.

It obviously takes a man to think like a man...

G-dog

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Re: Mustachian People Problems (just for fun)
« Reply #3964 on: July 05, 2017, 10:07:08 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

You were both right and not. I still think the person who asked for a picture on a body was a girl. She asked to put it on a clothing manequin, which I don't have. But today I also received the first personal message from a guy named Karim who wrote me that my body looked very pretty under that corset, if it was my own body on that picture. So I have now removed the picture that doesn't show my head, but shows my cleavage.

It obviously takes a man to think like a man...

I'm not a man, but a suspicious woman in the US. Lots of skeevy guys online here... (and non-skeevy, but no need to worry about them0

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #3965 on: July 05, 2017, 10:13:19 AM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

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Re: Mustachian People Problems (just for fun)
« Reply #3966 on: July 05, 2017, 11:01:06 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

You were both right and not. I still think the person who asked for a picture on a body was a girl. She asked to put it on a clothing manequin, which I don't have. But today I also received the first personal message from a guy named Karim who wrote me that my body looked very pretty under that corset, if it was my own body on that picture. So I have now removed the picture that doesn't show my head, but shows my cleavage.

It obviously takes a man to think like a man...

I'm not a man, but a suspicious woman in the US. Lots of skeevy guys online here... (and non-skeevy, but no need to worry about them0
I'm also not a man. Craigslist is full of scammers even when the posting *doesn't* involve lingerie..can't imagine what weirdos would come out of the woodwork here for a photo!

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Re: Mustachian People Problems (just for fun)
« Reply #3967 on: July 05, 2017, 11:06:07 AM »
One of my friends on Facebook "liked" an article on tips to save more in your retirement accounts. The article is generally correct but includes the nonsense (for serious savers, at least) about needing 80% of your income in retirement. I'm happy that he is thinking about his retirement accounts but wish I could tell him he could be even more aggressive with saving...

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Re: Mustachian People Problems (just for fun)
« Reply #3968 on: July 05, 2017, 11:06:57 AM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

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Re: Mustachian People Problems (just for fun)
« Reply #3969 on: July 05, 2017, 11:48:03 AM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

Nothing specific, really, I just haven't enjoyed the writing.

Obviously, I signed up for the challenge because there are things I need to change, and this makes me focus daily. And it does, just not enough food for thought to share on our thread.

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Re: Mustachian People Problems (just for fun)
« Reply #3970 on: July 05, 2017, 12:19:56 PM »
Dragoncar, that is fantastic. And true but I never realised it before.

I really miss tiny phones. I had one that would fit in that little coin pocket in jeans. I get that many people want bigger phones but don't see why they won't make any smaller, reasonably powerful phones (suggestions welcome if I am wrong). It's like they invented sliced bread and then stopped selling all other breads.

Exactly.

When people started reporting bent screens on the iPhone 6+ and it was discovered that carrying it in a pocket could bend it, I remember reading lots of comments saying, "Who would want to carry an iPhone in their back pocket?"

I do. I don't want to carry a bag everywhere, I like being able to leave the house with phone, my two front door keys, $20 and my keycard in the pockets of my jeans. This is why I won't buy an iPhone + a- my pockets aren't big enough. It's also a great way to deter my husband from wanting to put his big arse phone in my bag. "Can I put my ... oh."

I feel like the iPhone 5 hit the size just right for me. It's enough screen to enjoy media on the go, but it's small enough to one-hand and still feel secure about not dropping it. I'm now on the SE, which is basically a 6S in a 5 form factor. I'm hoping they come out with the same size version of the 7 or 8 (or 7s if they decide to call it that) so I can upgrade and get a better camera. In a couple years when they're cheap on craigslist, of course!

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Re: Mustachian People Problems (just for fun)
« Reply #3971 on: July 05, 2017, 05:40:31 PM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

Nothing specific, really, I just haven't enjoyed the writing.

Obviously, I signed up for the challenge because there are things I need to change, and this makes me focus daily. And it does, just not enough food for thought to share on our thread.

Yeah, I can see it not being super-motivating. MMM is a huge slap in the face - in a good way - that makes you change your life in big ways (at least for me). Frugalwoods is more just strongly hinting you should change. And I definitely agree the writing isn't as compelling.

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Re: Mustachian People Problems (just for fun)
« Reply #3972 on: July 05, 2017, 06:07:42 PM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

They are a nice couple and their blog is just fine.  Useful info presented in a professional and honest manner.
Anyone interested in the topic will find good info there.

I simply can't stand the "cutesy" aspects of the site.   It sets off my gag reflex. 

That's my pure personal taste, I need not justify that, nor does anyone need to get upset about it.

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Re: Mustachian People Problems (just for fun)
« Reply #3973 on: July 05, 2017, 06:20:14 PM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..

  I was 3rd or 4th in line (not at Walmart) when a guy that had two carts of food products, told the checker to stop and total, he paid with an EBT card. The checker continued checking and again he said stop, he paid with a second EBT card. Again she continued and he used a third EBT card.
 He had two gallons of milk in the cart that he ask to be put back on the shelf and then
paid cash for two 12 packs of beer.
 You might imaging the conversation in the line discussing the situation, while I was looking around thinking it was a setup for a TV show.
 I don't know if it is legal to have three EBT cards, I don't know if it is legal to use another persons EBT card with permission,  I do know I think something was wrong with the situation.
  The real kicker was when he had the milk put back and bought the beer.

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Re: Mustachian People Problems (just for fun)
« Reply #3974 on: July 05, 2017, 06:32:51 PM »
I work at a company that considers itself a "Mission Based Company".  They actively balance profit and growth goals against their ability to help people.  Any I'm close enough to the senior management to know it's more than idle words.  They truly believe it, and run the company in a way they think will best benefit our customers.

The challenge:

The company is a consumer finance company.  By "helping" people, we are giving customers access to credit that banks won't provide.  These are mostly people with limited credit history and incomes in the $30-$40K range.  Loans are typically 30%-35% interest + fees.  Everyone is expected to be passionate about helping the underbanked, and it's a constant source of discussion.

My MPP:  Not rolling my eyes when the CEO talks about how many people we've helped is incredibly hard.  Although not "believing" in the mission would probably be a fireable offense.  Sure, we're WAY better than payday lenders and title loan companies, but I would never consider loaning money at 30% to be "helping" someone.

This is a fascinating MPP. Do you provide any budgeting advice with the loans? Could you? Do you ask about the purpose of the loans and reject them if someone believes they urgently need a trinket? Would you? Do you provide a savings service for the underbanked? [We have credit unions in the UK which are membership based savings organisations that provide reasonable loans.]

None of the above.  Fair Lending laws pretty much force us (in practice, if not in actual words) to remove subjective inputs from the loan decision process.  Either the algorithm approves the loan or not.  We do deny loans for LOTS of people that can't actually afford it.  We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

This is the biggest cognitive disconnect I've ever confronted.  Not only am I a natural saver, I am one of those mustachian's that is particularly debt averse.  I may not even buy a house until I can afford it outright.  Yet our CEO is always reading customer stories that are a combination of sad and heartwarming.  Things like people using loans to pay for adoptions, or a security deposit for an actual roof over their head.  Others include loans to help family members migrate to the US, pay for medical expenses, or open small businesses.

I understand unexpected expenses come up, most you listed aren't. How is it the borrower can afford the 'expense', plus 30% interest, plus fees, but not afford to just save the money, and then save the 30% interest, plus fees?
 The comment is rhetorical, but how come WE all see this so clearly and the borrower just blindly charges forward?

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #3975 on: July 05, 2017, 06:41:44 PM »
I work at a company that considers itself a "Mission Based Company".  They actively balance profit and growth goals against their ability to help people.  Any I'm close enough to the senior management to know it's more than idle words.  They truly believe it, and run the company in a way they think will best benefit our customers.

The challenge:

The company is a consumer finance company.  By "helping" people, we are giving customers access to credit that banks won't provide.  These are mostly people with limited credit history and incomes in the $30-$40K range.  Loans are typically 30%-35% interest + fees.  Everyone is expected to be passionate about helping the underbanked, and it's a constant source of discussion.

My MPP:  Not rolling my eyes when the CEO talks about how many people we've helped is incredibly hard.  Although not "believing" in the mission would probably be a fireable offense.  Sure, we're WAY better than payday lenders and title loan companies, but I would never consider loaning money at 30% to be "helping" someone.

This is a fascinating MPP. Do you provide any budgeting advice with the loans? Could you? Do you ask about the purpose of the loans and reject them if someone believes they urgently need a trinket? Would you? Do you provide a savings service for the underbanked? [We have credit unions in the UK which are membership based savings organisations that provide reasonable loans.]

None of the above.  Fair Lending laws pretty much force us (in practice, if not in actual words) to remove subjective inputs from the loan decision process.  Either the algorithm approves the loan or not.  We do deny loans for LOTS of people that can't actually afford it.  We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

This is the biggest cognitive disconnect I've ever confronted.  Not only am I a natural saver, I am one of those mustachian's that is particularly debt averse.  I may not even buy a house until I can afford it outright.  Yet our CEO is always reading customer stories that are a combination of sad and heartwarming.  Things like people using loans to pay for adoptions, or a security deposit for an actual roof over their head.  Others include loans to help family members migrate to the US, pay for medical expenses, or open small businesses.

I understand unexpected expenses come up, most you listed aren't. How is it the borrower can afford the 'expense', plus 30% interest, plus fees, but not afford to just save the money, and then save the 30% interest, plus fees?
 The comment is rhetorical, but how come WE all see this so clearly and the borrower just blindly charges forward?

Let's say someone like this manages to save up some money for any purpose. Then, an emergency comes along and they spend it, but not for what they were saving for. Or a community member has an emergency, and you help out, because that is how it is done in your community. Most of us on MMM know how hard it is to buck societal expectations, but bucking community duties is even harder. So, you sacrificed, now that tiny fund is gone and you have to sacrifice some more. One can see how the why bother mentality can take over.

On the other hand, once you have the loan, the money you sacrifice for is going to its intended purpose. Even with the outrageous interest, the mentality around it is completely different.

neverrun

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Re: Mustachian People Problems (just for fun)
« Reply #3976 on: July 05, 2017, 06:46:09 PM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..

  I was 3rd or 4th in line (not at Walmart) when a guy that had two carts of food products, told the checker to stop and total, he paid with an EBT card. The checker continued checking and again he said stop, he paid with a second EBT card. Again she continued and he used a third EBT card.
 He had two gallons of milk in the cart that he ask to be put back on the shelf and then
paid cash for two 12 packs of beer.
 You might imaging the conversation in the line discussing the situation, while I was looking around thinking it was a setup for a TV show.
 I don't know if it is legal to have three EBT cards, I don't know if it is legal to use another persons EBT card with permission,  I do know I think something was wrong with the situation.
  The real kicker was when he had the milk put back and bought the beer.

He could be buying groceries for the whole family.  I know of one family 3-4 unmarried adults who live together so they don't have to live in the inner city.  Each has their own EBT card as they are siblings living with their parents.

VeggieTable

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Re: Mustachian People Problems (just for fun)
« Reply #3977 on: July 05, 2017, 08:18:35 PM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

They are a nice couple and their blog is just fine.  Useful info presented in a professional and honest manner.
Anyone interested in the topic will find good info there.

I simply can't stand the "cutesy" aspects of the site.   It sets off my gag reflex. 

That's my pure personal taste, I need not justify that, nor does anyone need to get upset about it.
No one's getting upset or asking anyone to justify. I asked a question of ixtap because I was curious to know what he/she didn't like. I explained what I like about Frugalwoods. The end.

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #3978 on: July 05, 2017, 08:26:50 PM »
The liquor store is only about a mile away.  However, it's raining, hard.  Don't want to roll two tons of steel, but I'm out of gin.
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theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #3979 on: July 06, 2017, 03:10:51 AM »

He could be buying groceries for the whole family.  I know of one family 3-4 unmarried adults who live together so they don't have to live in the inner city.  Each has their own EBT card as they are siblings living with their parents.

Or picking up groceries for a housebound relative / neighbour? I don't know how EBT cards work, but if you can't withdraw cash from them it makes sense that whoever is doing the shopping must pay with the card. Perhaps they're really frugal and they're carpooling a grocery run and optimising manhours by having one person do it all!

icbatbh

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Re: Mustachian People Problems (just for fun)
« Reply #3980 on: July 06, 2017, 03:15:26 AM »
I went to submit a meter reading to my electricity provider online, after having received an estimated meter reading for my usage up until March. The trouble is my actual meter reading for today is lower than what they had estimated it to be for March. As a result they wouldn't accept it online so I had to call them to let them know that I haven't been using anywhere near as much electricity as they had expected me to.

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Re: Mustachian People Problems (just for fun)
« Reply #3981 on: July 06, 2017, 08:41:26 AM »
I went to submit a meter reading to my electricity provider online, after having received an estimated meter reading for my usage up until March. The trouble is my actual meter reading for today is lower than what they had estimated it to be for March. As a result they wouldn't accept it online so I had to call them to let them know that I haven't been using anywhere near as much electricity as they had expected me to.

How often do they come read the meter? If nothing else, you'd get a credit when they do.

Aegishjalmur

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Re: Mustachian People Problems (just for fun)
« Reply #3982 on: July 06, 2017, 12:05:42 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
Geez I can't believe that people would split up a $500 purchase over several cards

I'm in awe that the contacts cost $500 a year. I've been spending about $100 a year at 1-800-contacts. I get over a month out of each contact.
I do understand some can't wear them as long as I do.

Yeah, this price kind of surprises me as well.  R. Daneel Olivaw, do you have a special/weird prescription?  Weird astigmatism?  I just paid $252 for an 18-month supply of soft semi-monthlies back in October (1-800 Contacts), and my prescription is for correction of unusually strong nearsightedness.

I would love to be able to only spend $500 on contacts. When I went to the eye doctor earlier this year for my eye exam, and asked about it, he told me that for my eyes, would run $1500-$2000 per year(for 4 sets) due to the amount of astigmatism I have I would require specialized contacts. To put this into perspective, on 1-800 contacts, most of the lenses for astigmatism, the Cyl measurement tops out at -2.75. My good eye is a -4. My bad eye is -5.75. I am tempted to try getting a pair to see how that helps and if I can get by using that for when I am not at work and on a computer all day.
« Last Edit: July 06, 2017, 12:16:06 PM by Aegishjalmur »
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afuera

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Re: Mustachian People Problems (just for fun)
« Reply #3983 on: July 06, 2017, 01:24:28 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
Geez I can't believe that people would split up a $500 purchase over several cards

I'm in awe that the contacts cost $500 a year. I've been spending about $100 a year at 1-800-contacts. I get over a month out of each contact.
I do understand some can't wear them as long as I do.

Yeah, this price kind of surprises me as well.  R. Daneel Olivaw, do you have a special/weird prescription?  Weird astigmatism?  I just paid $252 for an 18-month supply of soft semi-monthlies back in October (1-800 Contacts), and my prescription is for correction of unusually strong nearsightedness.

I would love to be able to only spend $500 on contacts. When I went to the eye doctor earlier this year for my eye exam, and asked about it, he told me that for my eyes, would run $1500-$2000 per year(for 4 sets) due to the amount of astigmatism I have I would require specialized contacts. To put this into perspective, on 1-800 contacts, most of the lenses for astigmatism, the Cyl measurement tops out at -2.75. My good eye is a -4. My bad eye is -5.75. I am tempted to try getting a pair to see how that helps and if I can get by using that for when I am not at work and on a computer all day.

Dang! At those prices, just get Lasik/PRK.  It would be cheaper after only 2 years.  I had really terrible eyesight (-4.75/-7) with varying astigmatism that was pretty bad in each eye.  I got PRK in November and it was one of the best things I've ever spent money on.  It's life changing to be able to wake up and just see things and the amount of eye irritation I have has drastically decreased now that there aren't little pieces of plastic chilling in them all day.
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With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3984 on: July 06, 2017, 06:04:57 PM »
[Contact lens prices for funky prescriptions]

I would love to be able to only spend $500 on contacts. When I went to the eye doctor earlier this year for my eye exam, and asked about it, he told me that for my eyes, would run $1500-$2000 per year(for 4 sets) due to the amount of astigmatism I have I would require specialized contacts. To put this into perspective, on 1-800 contacts, most of the lenses for astigmatism, the Cyl measurement tops out at -2.75. My good eye is a -4. My bad eye is -5.75. I am tempted to try getting a pair to see how that helps and if I can get by using that for when I am not at work and on a computer all day.

Dang! At those prices, just get Lasik/PRK.  It would be cheaper after only 2 years.  I had really terrible eyesight (-4.75/-7) with varying astigmatism that was pretty bad in each eye.  I got PRK in November and it was one of the best things I've ever spent money on.  It's life changing to be able to wake up and just see things and the amount of eye irritation I have has drastically decreased now that there aren't little pieces of plastic chilling in them all day.

Oh my.  If not eye surgery, which I could understand avoiding, what about getting permanent lenses?  A relative has rigid gas permeable lenses, and she has had the same pair for years (decades?).  They require different care than disposables, but they last until they break or your prescription changes.
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icbatbh

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Re: Mustachian People Problems (just for fun)
« Reply #3985 on: July 07, 2017, 05:12:44 AM »
I went to submit a meter reading to my electricity provider online, after having received an estimated meter reading for my usage up until March. The trouble is my actual meter reading for today is lower than what they had estimated it to be for March. As a result they wouldn't accept it online so I had to call them to let them know that I haven't been using anywhere near as much electricity as they had expected me to.

How often do they come read the meter? If nothing else, you'd get a credit when they do.
I think they are supposed to read once per year, however they haven't knocked at my door to read it for at least two years. The gas meter is outside and that gets read a couple of times a year.

After submitting my last reading it wouldn't suprise me if I get a visit shortly so that they can make sure I'm not tampering with it.

neverrun

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Re: Mustachian People Problems (just for fun)
« Reply #3986 on: July 07, 2017, 06:33:38 PM »
I went to submit a meter reading to my electricity provider online, after having received an estimated meter reading for my usage up until March. The trouble is my actual meter reading for today is lower than what they had estimated it to be for March. As a result they wouldn't accept it online so I had to call them to let them know that I haven't been using anywhere near as much electricity as they had expected me to.

How often do they come read the meter? If nothing else, you'd get a credit when they do.

I had this problem.  My meter was suppose to be one of the "smart ones" but it didn't transmit correctly so when I forgot to put in an actual reading online they estimated about 3x my actual use.  The second time I had to call to correct I mentioned my meter was suppose to be smart and they came and replaced it.

Runner5

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Re: Mustachian People Problems (just for fun)
« Reply #3987 on: July 08, 2017, 11:36:47 AM »
As an entry into Mustaschianism I bought myself a second hand Dahon folding bike to do journeys that I otherwise would have needed to drive. It's perfectly good, and I even managed to find some suitable panniers for 6 euros, it's just not the most effecient for speed given the smol wheels and long handlebar to wheel thingy (I only use technical terms, don't you know), making it harder to steer with precision. This now has me lusting over every step-through bike with a basket and rack that I see, and will probably end in me getting a pre-tax loan for a new bike from my employer next time the Cycle to Work scheme rolls around.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #3988 on: July 08, 2017, 02:52:18 PM »
I can finally hang my laundry in my back garden to dry, but I've had to splash out on some new underwear now all my neighbours can see it flapping in the breeze.

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #3989 on: July 08, 2017, 03:03:02 PM »
I can finally hang my laundry in my back garden to dry, but I've had to splash out on some new underwear now all my neighbours can see it flapping in the breeze.

Similar problem - I have one bra that has holes in it and is pretty beat up that I've been too lazy to replace so far. I've had a bunch of trips to nude beaches lately that have been kind of embarrassing, because there's no change room or anything that hides it - people just strip down at their spot, because why bother hiding it?

On the plus side, I've saved a lot of money on bathing suits over the years.
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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3990 on: July 09, 2017, 08:35:41 AM »
I had this problem.  My meter was suppose to be one of the "smart ones" but it didn't transmit correctly so when I forgot to put in an actual reading online they estimated about 3x my actual use.  The second time I had to call to correct I mentioned my meter was suppose to be smart and they came and replaced it.

I don't know if you could say a meter is smart - but that company surely isn't, if they can't figure that their smart meter isn't connected anymore.

That is, maybe they are because if it isnt't and you "estimate" 3 times teh amount...

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #3991 on: July 10, 2017, 07:18:23 AM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

They are a nice couple and their blog is just fine.  Useful info presented in a professional and honest manner.
Anyone interested in the topic will find good info there.

I simply can't stand the "cutesy" aspects of the site.   It sets off my gag reflex. 

That's my pure personal taste, I need not justify that, nor does anyone need to get upset about it.
No one's getting upset or asking anyone to justify. I asked a question of ixtap because I was curious to know what he/she didn't like. I explained what I like about Frugalwoods. The end.

I follow the Frugalwoods blog partially because the pictures of their property and house are EXACTLY what my husband wants out of life, and it is incredibly useful to have an example to show him of "this is what we could have if we saved more money instead of going on a fancy vacation to Scotland". 

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #3992 on: July 10, 2017, 07:59:08 AM »
I follow the Frugalwoods blog partially because the pictures of their property and house are EXACTLY what my husband wants out of life, and it is incredibly useful to have an example to show him of "this is what we could have if we saved more money instead of going on a fancy vacation to Scotland".

Yup the financial tips are a bit beginner/intermediate but I'm fascinated by all the homestead stuff, and by Mrs Frugalwoods' freelance writing. I actually emailed Mrs Frugalwoods a while ago, just before they moved, asking about what she thought the transition from city life would be like and what they would do if they found out they didn't like homesteading. She wrote back a lovely reply, all about how they'd just do something else and how money gives you choices, etc. Not earth-shattering, but I was so pleased that she took the time to write a proper email back. And, as someone said upthread, I find their DIY more accessible than MMM (although Mr Frugalwoods still seems pretty pro!)

gypsy79

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Re: Mustachian People Problems (just for fun)
« Reply #3993 on: July 10, 2017, 10:52:32 AM »
What "problems" do you have as a result of your mustachian lifestyle? Here's one of mine:

My single garage is nicely organized, with plenty of room for our car and bikes. Since the driveway is always empty, maybe a thief will think we're out of town, break in, and be very disappointed with our few outdated electronics and complete absence of jewelery.

Realize I'm replying to an old post here, but I thought this was hilarious. I worry about this all the time because it looks like we're not home and I'm afraid I will end up on the bad end of some thief anger one day--there is literally nothing in this house worth stealing and I rarely even have any cash that I could use to placate someone. However, from the outside, it looks like a home that might have a lot of nice things in it.

frugalparagon

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Re: Mustachian People Problems (just for fun)
« Reply #3994 on: July 10, 2017, 12:49:02 PM »
I follow the Frugalwoods blog partially because the pictures of their property and house are EXACTLY what my husband wants out of life, and it is incredibly useful to have an example to show him of "this is what we could have if we saved more money instead of going on a fancy vacation to Scotland".

Yup the financial tips are a bit beginner/intermediate but I'm fascinated by all the homestead stuff, and by Mrs Frugalwoods' freelance writing. I actually emailed Mrs Frugalwoods a while ago, just before they moved, asking about what she thought the transition from city life would be like and what they would do if they found out they didn't like homesteading. She wrote back a lovely reply, all about how they'd just do something else and how money gives you choices, etc. Not earth-shattering, but I was so pleased that she took the time to write a proper email back. And, as someone said upthread, I find their DIY more accessible than MMM (although Mr Frugalwoods still seems pretty pro!)

They seem like nice people although they are less accessible since they went famous. I dunno. At any rate they never respond to my comments anymore, but that could also be because I got divorced?

I do not mind the baby and dog pictures. I was looking at their blog one day and Big Brother, then aged four or five, starting just busting a gut laughing at one of the Frugal Hound pictures. "That dog is going to read the news and drink coffee!"
I blog about Mustachianism during the child-raising years at frugalparagon.com.

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Re: Mustachian People Problems (just for fun)
« Reply #3995 on: July 15, 2017, 04:44:51 AM »
Awesome thread and replies! Some of mine...

I have trouble remembering the passwords to all my investment accounts when I update our net worth spreadsheet.
My wife felt snubbed when we left her income off our mortgage application in order to minimize the required documentation.
I can’t appreciate the finer things in life, like 4k TVs and wine that costs more than $6/bottle.
I have to feign excitement about my annual raise (it only takes a week or two off my FIRE date).
We make too much to contribute to our Roth IRAs.
I have a pile of emails Monday mornings because I don’t work weekends.
Sometimes my stocks keep going up after I sell them.
My spreadsheet says I will have $100 million when I’m 75. What do I do with that?!

Please set up a foundation and give the money away. Please and thank you.

ckosh

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Re: Mustachian People Problems (just for fun)
« Reply #3996 on: July 15, 2017, 05:16:32 AM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..

I wonder what people think when I use  multiple cards for very small purchases (at self checkout if there is not a line) for the mustachian reason of reaching the required number of card usages to meet the requirements for reward checking accounts in order to get higher interest rate.


Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3997 on: July 16, 2017, 12:29:53 AM »
I've been that person too. I had a set of coupons that worked per transaction at the supermarket, so was putting every single item through as a separate transaction. I'd also (finally) sorted through the pocket lint change that was littering every bag and surface in the house so was paying for each transaction with mostly pennies. There was no queue so I wasn't inconveniencing anyone but I don't think that anyone else gave it any thought.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #3998 on: July 16, 2017, 05:38:17 AM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

I'm curious what you dislike about Frugalwoods?  The UFM challenge is my first experience with them, but so far I like what I see. Yes, their tips are redundant for us who've read MMM, but I like seeing a young family living their frugality day-to-day. They also seem to attract a more "mainstream" crowd, so I've enjoyed reading the comments and watching people realize they can live well without eating out 3x/week.

Plus, unlike MMM, they don't seem to be basically professional carpenters. When I read a post about a project they've done on their own, I actually feel like I can do it too.

They are a nice couple and their blog is just fine.  Useful info presented in a professional and honest manner.
Anyone interested in the topic will find good info there.

I simply can't stand the "cutesy" aspects of the site.   It sets off my gag reflex. 

That's my pure personal taste, I need not justify that, nor does anyone need to get upset about it.
No one's getting upset or asking anyone to justify. I asked a question of ixtap because I was curious to know what he/she didn't like. I explained what I like about Frugalwoods. The end.

I follow the Frugalwoods blog partially because the pictures of their property and house are EXACTLY what my husband wants out of life, and it is incredibly useful to have an example to show him of "this is what we could have if we saved more money instead of going on a fancy vacation to Scotland".
I'm going to pile on because this has been bugging me lately. I believe this is a safe place to express my opinion without hurting anyone's feelings. I don't want to trash her; I'm just wondering if anyone here feels the same way.

Mrs. FW's vocabulary is way over the top. I am a lifelong reader with an excellent command of the language and reasonably strong writing skills. I frequently find her vocabulary off-putting. If she's trying to be more inclusive with these frugal challenges, she might get better results with language that is less highfalutin showy. Even to my trained ear, it smacks of elitism, which I am sure is not her intention. End of rant.
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SachaFiscal

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Re: Mustachian People Problems (just for fun)
« Reply #3999 on: July 16, 2017, 08:19:05 AM »
I was offered a payment plan for a package of eyebrow waxes that cost about $230. I couldn't believe it!

Before you critique paying for eyebrow waxes, my eyebrows grow wild and that is one thing I dont trust doing myself. I'd probably end up looking like Spock from Star Trek if I tried it myself.

I think I've got the next 2 years of eyebrow waxing covered with that sale on the package of visits.

I got a similar package for my side burns and cheeks (I'm a very hairy person).  Have you tried threading?  I used get my eyebrows, upper lip, and chin waxed then I switched to threading and like it better.  It doesn't irritate my skin as much.  After years of waxing/threading my eyebrows I've gotten to a point where I don't need to get my eyebrows done anymore.  The hairs stopped growing in the unwanted places (or grow very thin like baby hairs) and I only have to trim my eyebrows with tiny scissors every couple of months.  I got the waxing package for my side burns and cheeks hoping that they would eventually thin out too and I won't have to do it forever.