Author Topic: Mustachian People Problems (just for fun)  (Read 1200786 times)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4450 on: November 17, 2017, 03:06:29 PM »
Walmart - 4lb jar = $4.38 ($1.09/lb)which is a really good deal as far as peanut butter goes.
Shoppok - 55 gal (400lb)= $100 ($0.25/lb)

I buy a lot of peanut butter, I love the stuff to eat at work... This could be a good hedge against inflation of peanut prices... or to protect against bad peanut harvest years, like we had a few years ago.

The best thing about peanut butter is it never goes bad, doesn't need refrigeration, and its delicious and nutritious.... Should be on every highschool graduates wish list, a life time supply. "Son your 18 now, so its time you move out and start a life of your own. Here is your drum of peanut butter and a bike trailer to move it around with you" lol

The food bank would probably love one of these : )

I'm going to shop around here locally and see if I can find a source... Hehe I cant wait to see the look on my wife's face : )

These drums are certainly not safe for human consumption.  The related listings state this explicitly -- it's "reject" peanut butter, only for bears.  It's you're life, though.

How much does a 55 gal drum cost by itself anyways?

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Re: Mustachian People Problems (just for fun)
« Reply #4451 on: November 18, 2017, 10:09:38 AM »
We keep our bins up our side path and don't put them out every week because they don't fill up that fast. The bin men come all the way up the path anyway to empty them and they broke our gate so I rang up to say can they please not do that any more. The conversation was somewhat confusing.
Bin receptionist: So your bins haven't been collected?
Me: No no, our bins HAVE been collected, but they don't need to unless we actually put them out.
BR: So your bins have been collected but you've put them out again?
Me: No no, I haven't put them out at all but they've been collected anyway, breaking our gate.
BR: I'm sorry about your gate, but are you asking us NOT to collect your bins?
Me: Yes, unless I actually put them out.
BR: But...what about your rubbish?
Me: On average, we generate one carrier bag of actual rubbish and two of recycling per week, as we have our own compost bin. We just don't need them to be collected every week. I'll put them out when we do.
BR: Oh. Wow.

People keep telling me to ring the council for an extra bin for all the dirty nappies we’ll have. The thought of filling two bins a week makes me feel sick. The thought of filling them with plastic and human waste that will go to a landfill and seep into our watercourses makes me want to cry. I haven’t had the nerve to tell many people we’re doing cloth. And like you, we never fill our bin anyway.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4452 on: November 18, 2017, 10:40:52 AM »
We keep our bins up our side path and don't put them out every week because they don't fill up that fast. The bin men come all the way up the path anyway to empty them and they broke our gate so I rang up to say can they please not do that any more. The conversation was somewhat confusing.
Bin receptionist: So your bins haven't been collected?
Me: No no, our bins HAVE been collected, but they don't need to unless we actually put them out.
BR: So your bins have been collected but you've put them out again?
Me: No no, I haven't put them out at all but they've been collected anyway, breaking our gate.
BR: I'm sorry about your gate, but are you asking us NOT to collect your bins?
Me: Yes, unless I actually put them out.
BR: But...what about your rubbish?
Me: On average, we generate one carrier bag of actual rubbish and two of recycling per week, as we have our own compost bin. We just don't need them to be collected every week. I'll put them out when we do.
BR: Oh. Wow.

People keep telling me to ring the council for an extra bin for all the dirty nappies we’ll have. The thought of filling two bins a week makes me feel sick. The thought of filling them with plastic and human waste that will go to a landfill and seep into our watercourses makes me want to cry. I haven’t had the nerve to tell many people we’re doing cloth. And like you, we never fill our bin anyway.

I've told some people we're planning to do cloth. Most have been supportive, a few have been patronising ("Oh, you'll feel differently when baby is here! You won't want to be running around doing laundry all the time!" I mean no, but I think I can manage to chuck some nappies in our washer dryer and press start), a very few have clearly thought I was unhinged.

I haven't had too much baby nonsense, but I have been told that I will need to buy a car when the baby arrives. When I questioned this (as I live in London and am not really planning to go anywhere particular with the baby), they told me that babies love being driven round and it makes them go to sleep and she used to drive round and round the block to get her baby to sleep. So I was being advised to buy a car solely in order to drive in circles.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4453 on: November 18, 2017, 11:34:50 AM »
And it has to be a NEW car, to make it safe for the baby to be driven in pointless circles. And probably an SUV to make it easier to put in the car seat, and it will have lots of space to haul all those disposable diapers back from the store.
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TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4454 on: November 18, 2017, 12:37:57 PM »
Walmart - 4lb jar = $4.38 ($1.09/lb)which is a really good deal as far as peanut butter goes.
Shoppok - 55 gal (400lb)= $100 ($0.25/lb)

I buy a lot of peanut butter, I love the stuff to eat at work... This could be a good hedge against inflation of peanut prices... or to protect against bad peanut harvest years, like we had a few years ago.

The best thing about peanut butter is it never goes bad, doesn't need refrigeration, and its delicious and nutritious.... Should be on every highschool graduates wish list, a life time supply. "Son your 18 now, so its time you move out and start a life of your own. Here is your drum of peanut butter and a bike trailer to move it around with you" lol

The food bank would probably love one of these : )

I'm going to shop around here locally and see if I can find a source... Hehe I cant wait to see the look on my wife's face : )

These drums are certainly not safe for human consumption.  The related listings state this explicitly -- it's "reject" peanut butter, only for bears.  It's you're life, though.

How much does a 55 gal drum cost by itself anyways?
Cost of a 55 gallon drum is hugely variable. We we get solvents at work, there is a $25 deposit on the 55 gallon drum.

Buying an otherwise identical but empty 55 gallon drum for solvent waste disposal from the same company (to deal with the stuff we can't recycle/distill onsite) costs $75.

Therefore, we just don't return a fraction of the solvent drums and pay $25 each instead of $75...

Oh, and the reject PB is probably over the limits for aflatoxins. Could be something else, but I think that's the most probable answer.
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Re: Mustachian People Problems (just for fun)
« Reply #4455 on: November 18, 2017, 09:00:13 PM »
We keep our bins up our side path and don't put them out every week because they don't fill up that fast. The bin men come all the way up the path anyway to empty them and they broke our gate so I rang up to say can they please not do that any more. The conversation was somewhat confusing.
Bin receptionist: So your bins haven't been collected?
Me: No no, our bins HAVE been collected, but they don't need to unless we actually put them out.
BR: So your bins have been collected but you've put them out again?
Me: No no, I haven't put them out at all but they've been collected anyway, breaking our gate.
BR: I'm sorry about your gate, but are you asking us NOT to collect your bins?
Me: Yes, unless I actually put them out.
BR: But...what about your rubbish?
Me: On average, we generate one carrier bag of actual rubbish and two of recycling per week, as we have our own compost bin. We just don't need them to be collected every week. I'll put them out when we do.
BR: Oh. Wow.

People keep telling me to ring the council for an extra bin for all the dirty nappies we’ll have. The thought of filling two bins a week makes me feel sick. The thought of filling them with plastic and human waste that will go to a landfill and seep into our watercourses makes me want to cry. I haven’t had the nerve to tell many people we’re doing cloth. And like you, we never fill our bin anyway.

I've told some people we're planning to do cloth. Most have been supportive, a few have been patronising ("Oh, you'll feel differently when baby is here! You won't want to be running around doing laundry all the time!" I mean no, but I think I can manage to chuck some nappies in our washer dryer and press start), a very few have clearly thought I was unhinged.

I haven't had too much baby nonsense, but I have been told that I will need to buy a car when the baby arrives. When I questioned this (as I live in London and am not really planning to go anywhere particular with the baby), they told me that babies love being driven round and it makes them go to sleep and she used to drive round and round the block to get her baby to sleep. So I was being advised to buy a car solely in order to drive in circles.

Ugh,  ridiculous.   Baby diapers - if you like cloth, then replacing 80% of diaper use with cloth is pretty easy.  The last 20% will depend on your routines and preferences.   (DH would not take baby outside of the home in cloth, for example, because you need to carry the dirty one home).

For baby soothing, this does the same thing as a car...  Baby bouncer chair with vibrations.

https://www.walmart.ca/en/ip/fisher-price-babys-bouncer-geo-meadow/6000195398097?cmpid=sem_pla_google_en_none_6000195398097_100022002630383_157&cmpid=sem_pla_google_en_none_868545286_42591591006_None&gclid=Cj0KCQiA0b_QBRCeARIsAFntQ9paJ56x69sEnt3Ivi4V3UMQllznbLTaiTyzEjMHH_x-ddhxxVza4ZgaAqL1EALw_wcB

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4456 on: November 19, 2017, 04:54:50 AM »
We keep our bins up our side path and don't put them out every week because they don't fill up that fast. The bin men come all the way up the path anyway to empty them and they broke our gate so I rang up to say can they please not do that any more. The conversation was somewhat confusing.
Bin receptionist: So your bins haven't been collected?
Me: No no, our bins HAVE been collected, but they don't need to unless we actually put them out.
BR: So your bins have been collected but you've put them out again?
Me: No no, I haven't put them out at all but they've been collected anyway, breaking our gate.
BR: I'm sorry about your gate, but are you asking us NOT to collect your bins?
Me: Yes, unless I actually put them out.
BR: But...what about your rubbish?
Me: On average, we generate one carrier bag of actual rubbish and two of recycling per week, as we have our own compost bin. We just don't need them to be collected every week. I'll put them out when we do.
BR: Oh. Wow.

People keep telling me to ring the council for an extra bin for all the dirty nappies we’ll have. The thought of filling two bins a week makes me feel sick. The thought of filling them with plastic and human waste that will go to a landfill and seep into our watercourses makes me want to cry. I haven’t had the nerve to tell many people we’re doing cloth. And like you, we never fill our bin anyway.

I've told some people we're planning to do cloth. Most have been supportive, a few have been patronising ("Oh, you'll feel differently when baby is here! You won't want to be running around doing laundry all the time!" I mean no, but I think I can manage to chuck some nappies in our washer dryer and press start), a very few have clearly thought I was unhinged.

I haven't had too much baby nonsense, but I have been told that I will need to buy a car when the baby arrives. When I questioned this (as I live in London and am not really planning to go anywhere particular with the baby), they told me that babies love being driven round and it makes them go to sleep and she used to drive round and round the block to get her baby to sleep. So I was being advised to buy a car solely in order to drive in circles.

Ugh,  ridiculous.   Baby diapers - if you like cloth, then replacing 80% of diaper use with cloth is pretty easy.  The last 20% will depend on your routines and preferences.   (DH would not take baby outside of the home in cloth, for example, because you need to carry the dirty one home).

For baby soothing, this does the same thing as a car...  Baby bouncer chair with vibrations.

https://www.walmart.ca/en/ip/fisher-price-babys-bouncer-geo-meadow/6000195398097?cmpid=sem_pla_google_en_none_6000195398097_100022002630383_157&cmpid=sem_pla_google_en_none_868545286_42591591006_None&gclid=Cj0KCQiA0b_QBRCeARIsAFntQ9paJ56x69sEnt3Ivi4V3UMQllznbLTaiTyzEjMHH_x-ddhxxVza4ZgaAqL1EALw_wcB

I have also heard from parents who need to walk outside with the pram for hours to sooth the baby. To drive a car all the time to sooth is insane and poluting.

By the way, my FIL drives around with his dement wife who promptly falls asleep in the car and then doesn`t sleep at night in the nursing home. I think that is also not a good arrangement. He makes alone twice as many car miles as DH and I drive together.
« Last Edit: November 19, 2017, 09:13:14 AM by Linda_Norway »

Step37

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Re: Mustachian People Problems (just for fun)
« Reply #4457 on: November 19, 2017, 08:40:43 AM »
Shopped at the produce store yesterday and their deal was 10% off for spending $40.00. I only managed to make it to $36.03, thus perfectly missing the discount. $4.00 of “free” food out the window... grrr. There were people in line behind me and I didn’t want to be the person running off to grab some random thing. 
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Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #4458 on: November 19, 2017, 09:43:34 AM »
Shopped at the produce store yesterday and their deal was 10% off for spending $40.00. I only managed to make it to $36.03, thus perfectly missing the discount. $4.00 of “free” food out the window... grrr. There were people in line behind me and I didn’t want to be the person running off to grab some random thing.
Next time, just chose something(s) from your purchases and have the cashier ring up another. Then go back and get it after the transaction's finished. Easy-peasy. Surely you purchased some staple item(s) that you can use more of in the future?

ETA: Even at a produce store there are long lasting staples like onions and potatoes.
« Last Edit: November 19, 2017, 09:48:31 AM by Dicey »
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Step37

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Re: Mustachian People Problems (just for fun)
« Reply #4459 on: November 19, 2017, 09:57:05 AM »
Shopped at the produce store yesterday and their deal was 10% off for spending $40.00. I only managed to make it to $36.03, thus perfectly missing the discount. $4.00 of “free” food out the window... grrr. There were people in line behind me and I didn’t want to be the person running off to grab some random thing.
Next time, just chose something(s) from your purchases and have the cashier ring up another. Then go back and get it after the transaction's finished. Easy-peasy. Surely you purchased some staple item(s) that you can use more of in the future?

ETA: Even at a produce store there are long lasting staples like onions and potatoes.

That generally could have worked, but I think I had only pita bread (two packs at $1.75 per package) that wasn’t priced by weight and I didn’t have the receipt in hand to look at. I was also flustered because I couldn’t recall the PIN to my husband’s credit card (we had switched for the purpose of him picking up some tickets that I’d ordered online and original card was needed, and forgot to switch back). I was so confident that I’d reached the minimum spend that I didn’t think ahead about a plan if I hadn’t;) Just a perfect storm of inefficiency!
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Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #4460 on: November 19, 2017, 12:01:24 PM »
Shopped at the produce store yesterday and their deal was 10% off for spending $40.00. I only managed to make it to $36.03, thus perfectly missing the discount. $4.00 of “free” food out the window... grrr. There were people in line behind me and I didn’t want to be the person running off to grab some random thing.
Next time, just chose something(s) from your purchases and have the cashier ring up another. Then go back and get it after the transaction's finished. Easy-peasy. Surely you purchased some staple item(s) that you can use more of in the future?

ETA: Even at a produce store there are long lasting staples like onions and potatoes.

That generally could have worked, but I think I had only pita bread (two packs at $1.75 per package) that wasn’t priced by weight and I didn’t have the receipt in hand to look at. I was also flustered because I couldn’t recall the PIN to my husband’s credit card (we had switched for the purpose of him picking up some tickets that I’d ordered online and original card was needed, and forgot to switch back). I was so confident that I’d reached the minimum spend that I didn’t think ahead about a plan if I hadn’t;) Just a perfect storm of inefficiency!
No worries, it's not that important in the grand scheme of things. It's just a useful tip that might help you, or others, in the future.
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FIT_Goat

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Re: Mustachian People Problems (just for fun)
« Reply #4461 on: November 19, 2017, 12:22:13 PM »
I don't know if this really qualifies, but I thought it was a mustachian people problem.

This month is property tax bill month.  For my mom, it is also the annual property insurance bill month (by coincidence) and six-month car insurance bill month.  During the last year, my mom got tired of having mortgages and paid off both of her houses.  I think she would have been better to invest that money, but she valued reducing her fixed expenses more. It's her money.  She lives in one and "rents" the other to my sister.  I say "rents" because it's not meant to make any money.  My sister pays well below market rate, just what would be my mom's old mortgage payment.

Anyway, my mom was talking to me about this.  And she was complaining because the taxes and insurance on both houses, plus her car insurance, was several thousand dollars.  Her complaint?  "It's not like I don't have more than enough money in my savings account, but do you realize that this is like $700 a month in taxes and insurance costs?!  That is just stupid.  That's what your sister pays me each month.  Oh well, I'll just take what she gives me and throw it right back into savings for next year."

LOL, it was such a small thing for her to complain about.  Really, she could cash-flow it over a couple months, if she wanted to.  But, she just wants to keep her expenses as low as possible and she'd forgotten to include those in her normal budget.  Less than $700 a month for two houses and car insurance isn't bad at all, and she doesn't even need to pay for it because my sister gives her enough to cover it.

My mom definitely has the "lower your costs" side of mustachianism down.  She's afraid of aggressive investing, despite being only a few years away from a secure pension that more than covers her fixed costs.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4462 on: November 21, 2017, 12:12:59 PM »
I went to the Village Vanguard this weekend, and Mint.com decided that the one-drink minimum I paid for with my credit card was "Financial" because it has the word Vanguard in it. I put in a rule saying to file it under Alcohol & Bars. Next time I logged in, my food/alcohol budget was way over budget and I couldn't figure out why. Turns out instead of only reclassifying "Village Vanguard" as "Alcohol & Bars," it included a bunch of other transactions with "Vanguard" in the name going all the way back to 2012. Sigh. So I just had to go back through five years' worth of transactions with "Vanguard" in the name, trying to sort out which ones were drink minimums or concert tickets at a jazz club (Village Vanguard), co-pays at the doctor's office (Harvard Vanguard Medical Associates), and taxable investments (Vanguard).

And after all that, my "concert ticket" budget was way over budget, and I went through all the Vanguard stuff again figuring I had screwed something up with the reclassification, but then it turned out someone hacked my credit card and put a $250 charge on Ticketmaster yesterday. Living in the 21st century is pretty tedious sometimes :-(
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Re: Mustachian People Problems (just for fun)
« Reply #4463 on: November 21, 2017, 04:00:21 PM »
I need a nap just after reading all that. :(

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Re: Mustachian People Problems (just for fun)
« Reply #4464 on: November 27, 2017, 07:56:36 AM »
We got an offer on our house we are selling in HCOL city (we will be buying a house in Lower COL city). If all goes through with the offer we are looking at a ~180k profit of our house for 3 years of sitting on it. With this news I proclaimed to Mr.HH that I will buy a new chair for our new house, since at the old house I agonized for 3 years over buying/not buying an arm chair for ~$300.

Mr.HH said fine, we can buy a chair if we want, but then realized we have  gift cards from a home decor store from our wedding two years ago, various holidays etc. that we probably have enough to buy a $300 chair.

I CANT EVEN SPEND MY MONEY.

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Re: Mustachian People Problems (just for fun)
« Reply #4465 on: November 27, 2017, 08:12:03 AM »
We got an offer on our house we are selling in HCOL city (we will be buying a house in Lower COL city). If all goes through with the offer we are looking at a ~180k profit of our house for 3 years of sitting on it. With this news I proclaimed to Mr.HH that I will buy a new chair for our new house, since at the old house I agonized for 3 years over buying/not buying an arm chair for ~$300.

Mr.HH said fine, we can buy a chair if we want, but then realized we have  gift cards from a home decor store from our wedding two years ago, various holidays etc. that we probably have enough to buy a $300 chair.

I CANT EVEN SPEND MY MONEY.

You have permission to buy new curtains, etc for the new house.

kaypinkHH

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Re: Mustachian People Problems (just for fun)
« Reply #4466 on: November 27, 2017, 08:13:00 AM »
**Runs away to look at kijiji and stockpiles black friday coupons**

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Re: Mustachian People Problems (just for fun)
« Reply #4467 on: November 27, 2017, 08:20:43 AM »
We got an offer on our house we are selling in HCOL city (we will be buying a house in Lower COL city). If all goes through with the offer we are looking at a ~180k profit of our house for 3 years of sitting on it. With this news I proclaimed to Mr.HH that I will buy a new chair for our new house, since at the old house I agonized for 3 years over buying/not buying an arm chair for ~$300.

Mr.HH said fine, we can buy a chair if we want, but then realized we have  gift cards from a home decor store from our wedding two years ago, various holidays etc. that we probably have enough to buy a $300 chair.

I CANT EVEN SPEND MY MONEY.

You have permission to buy new curtains, etc for the new house.

Buying brand new curtains is MMM-approved?? In that case I might need to go shopping some time ... We have gifted curtains from my MIL in the kitchen and in the living room we temporarily hung tablecloths on the curtain rods. We have lived here for 2,5 years now and they're still there. All different tablecloths as well....  I always thought this kind of decadent luxury purchase was only for after FI.

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Re: Mustachian People Problems (just for fun)
« Reply #4468 on: November 27, 2017, 08:26:20 AM »
We got an offer on our house we are selling in HCOL city (we will be buying a house in Lower COL city). If all goes through with the offer we are looking at a ~180k profit of our house for 3 years of sitting on it. With this news I proclaimed to Mr.HH that I will buy a new chair for our new house, since at the old house I agonized for 3 years over buying/not buying an arm chair for ~$300.

Mr.HH said fine, we can buy a chair if we want, but then realized we have  gift cards from a home decor store from our wedding two years ago, various holidays etc. that we probably have enough to buy a $300 chair.

I CANT EVEN SPEND MY MONEY.

You have permission to buy new curtains, etc for the new house.

Buying brand new curtains is MMM-approved?? In that case I might need to go shopping some time ... We have gifted curtains from my MIL in the kitchen and in the living room we temporarily hung tablecloths on the curtain rods. We have lived here for 2,5 years now and they're still there. All different tablecloths as well....  I always thought this kind of decadent luxury purchase was only for after FI.

In moderation, when you don't have debt. If you can find them used/reuse/make yourself, even better. But if you're making a 180k profit on a house sale, I think $200 for new curtains is ok. ;)

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Re: Mustachian People Problems (just for fun)
« Reply #4469 on: November 27, 2017, 09:07:32 AM »
We normally skip the curtains, and only have cheap blinds on the windows where we need to hide from spying eyes. This house, however, has so bad windows, that heavy drapes were a cheaper option for insulation until we could get the renovations done.

Tldr: curtains can be a cheap substitute for insulation, and save heating/cooling costs.
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Re: Mustachian People Problems (just for fun)
« Reply #4470 on: November 27, 2017, 12:53:29 PM »
The forums tell me I'm allowed to buy my chair and curtains...what a glorious time to be alive :D

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Re: Mustachian People Problems (just for fun)
« Reply #4471 on: November 27, 2017, 02:25:40 PM »
The forums tell me I'm allowed to buy my chair and curtains...what a glorious time to be alive :D

Hold on, you said you weren't going to get the chair? Pick one! Don't go too crazy. ;)

gerardc

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Re: Mustachian People Problems (just for fun)
« Reply #4472 on: December 02, 2017, 02:22:47 PM »
Even a 400 sq ft studio apartment is too big to fill for me, I don't know what furniture to buy so it doesn't look empty.

My savings rate is so high that even after maxing out my 401k and Roth IRA each year, most of my stash (70%) ends up in a taxable account.

marielle

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Re: Mustachian People Problems (just for fun)
« Reply #4473 on: December 03, 2017, 06:46:30 AM »
Not exactly fun, but I have to replace my tires after only 4.5 years because of dry rot. They had plenty of thread left because of little driving. I guess I should drive more to get my money's worth right? Ha.

dreams_and_discoveries

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Re: Mustachian People Problems (just for fun)
« Reply #4474 on: December 03, 2017, 08:00:16 AM »
Not exactly fun, but I have to replace my tires after only 4.5 years because of dry rot. They had plenty of thread left because of little driving. I guess I should drive more to get my money's worth right? Ha.

Ha ha - my car tyres tend to age out rather than wear out as well!

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4475 on: December 03, 2017, 08:10:36 AM »
Not exactly fun, but I have to replace my tires after only 4.5 years because of dry rot. They had plenty of thread left because of little driving. I guess I should drive more to get my money's worth right? Ha.

Ha ha - my car tyres tend to age out rather than wear out as well!

Unlike my bike tires ... My local bike shop is stunned I need new ones all the time. On average, I replace one tire every six months. As I ride around in the city (lots of broken glass on the streets) as well as on unpaved backroads, they get a lot of wear and tear. I get leaks in the inner tubes all the time too. This is the only part of cycling that I really hate.

never give up

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Re: Mustachian People Problems (just for fun)
« Reply #4476 on: December 03, 2017, 10:52:14 AM »
I only found MMM a few months ago but am starting to experience Mustachian people problems. For example I used to look at Santa and think what a guy. But now I think how on earth are you not FIRE’d yet? He’s been doing that gig for years.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #4477 on: December 03, 2017, 12:24:58 PM »
My kids (9&11) don't get allowances. Instead, we pay them when they do housework. They then use those money to buy candy and other stuff they want. We pay the kids by transferring money to their accounts, and they use debit cards for their purchases. When they are gifted cash (by grandparents, or at birthdays), they hand me the cash, and I transfer the same amount of money to their account. Usually they earn and are gifted more money then they spend, so they also have savings accounts that are under their control (and mutual funds that are not).

My MPP: We use our bank's budgeting software, so all transactions between accounts and payments out are categorized, including the kids' debit card purchases. As it is now, the kids' "salaries" get counted twice: first when we transfer them from our accounts to their, and secondly when they spend their money. I can't decide which categorization makes more sense. If they didn't "earn" the money, we would have bought them the candy and stuff anyway. So I do want to see how much money we spend on those things in total as a family. But I also feel it is most correct to count "their" money separately. The cash also messes up my budget, since it just ends up sitting in a box in my office, or gets spent on stupid stuff the neighbor's kids sell. Like overpriced toilet paper. And then it looks like our grocery bill is much smaller that month, even though it isn't.

We are only talking about $20-100/month, but it really annoys me!
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Re: Mustachian People Problems (just for fun)
« Reply #4478 on: December 03, 2017, 05:47:24 PM »
[...] We use our bank's budgeting software [...]

You should use some real accounting software with double-entry booking and you inherently won't count something twice. You can properly track your cash and other assets too. I personally use GnuCash.

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Re: Mustachian People Problems (just for fun)
« Reply #4479 on: December 03, 2017, 07:48:26 PM »
[...] We use our bank's budgeting software [...]

You should use some real accounting software with double-entry booking and you inherently won't count something twice. You can properly track your cash and other assets too. I personally use GnuCash.

Yes!  Then you will have an asset account called "cash in a box in my office," which will mean your grocery category will show your real spending.  :)
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Step37

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Re: Mustachian People Problems (just for fun)
« Reply #4480 on: December 03, 2017, 08:07:10 PM »
[...] We use our bank's budgeting software [...]

You should use some real accounting software with double-entry booking and you inherently won't count something twice. You can properly track your cash and other assets too. I personally use GnuCash.

Yes!  Then you will have an asset account called "cash in a box in my office," which will mean your grocery category will show your real spending.  :)

Yes, you definitely need to do this! I have asset accounts for gift cards and cash in addition to the bank accounts. I don’t use bookkeeping software, but I have set it up in the same way (the app is called Accounts2 if interested - the info from it can be exported to Excel if desired). I can’t stand how my bank tracks things and strongly prefer the separate system.

It’s entirely possible that I am WAY over the top with my tracking, but I want good info, dammit! ;)
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Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4481 on: December 04, 2017, 12:00:54 AM »
My MPP is that I feel an inadequate Mustachian for not using any kind of app, software or excel sheet to track my spending. I'm actually a bookkeeper, logging spending is what I do for a living. I just can't make myself do it at home too.

I'm still pretty confident I can tell you the exact amount of money I spend in nearly every category though. I try to spend as little as possible so I don't have to keep track of a large amount of purchases.

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #4482 on: December 04, 2017, 12:15:48 AM »
Unlike my bike tires ... My local bike shop is stunned I need new ones all the time. On average, I replace one tire every six months. As I ride around in the city (lots of broken glass on the streets) as well as on unpaved backroads, they get a lot of wear and tear. I get leaks in the inner tubes all the time too. This is the only part of cycling that I really hate.

Have you looked into that puncture sealing goo, or reinforced inners? Game changer for me.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4483 on: December 04, 2017, 12:41:13 AM »
My MPP is that I feel an inadequate Mustachian for not using any kind of app, software or excel sheet to track my spending. I'm actually a bookkeeper, logging spending is what I do for a living. I just can't make myself do it at home too.

I'm still pretty confident I can tell you the exact amount of money I spend in nearly every category though. I try to spend as little as possible so I don't have to keep track of a large amount of purchases.

My bank does it for me. At least, it is organizing the transactions as long as they are obviously. The rest is categorized as "general spending". Those are the ones I need to organize manually and as soon as I caught up, it was OK. Maybe you can find another bank that has a free built-in tool for showing your spending? You could start from 2018 and don't organize anything from earlier years...

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #4484 on: December 04, 2017, 05:17:27 AM »
I had a similar issue last week.  I use the online bill pay to pay for a house cleaner for my mom's house once a month (beats me doing it!) and one of the checks was never cashed so it came back to me.  Now I have an extra $80 in income in November, and an extra $80 in spending in December in my budget program because of course I sent the cleaner a replacement check for the one that was cancelled.

kaypinkHH

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Re: Mustachian People Problems (just for fun)
« Reply #4485 on: December 04, 2017, 01:34:53 PM »
Moved from a HCOL to a MCOL city, sold HCOL house.

Now none of our MCOL friends believe us when we say "this restaurant isn't in our budget".

So many struggles.

Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #4486 on: December 04, 2017, 01:41:31 PM »
Moved from a HCOL to a MCOL city, sold HCOL house.

Now none of our MCOL friends believe us when we say "this restaurant isn't in our budget".

So many struggles.

Why?  Do they think you are rolling in money because you sold a place in HCOL area?  Or are they just spendy spendy types that only have a little budgeted for long term savings out of their paychecks?

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Re: Mustachian People Problems (just for fun)
« Reply #4487 on: December 04, 2017, 02:03:55 PM »
Finally bit the bullet and installed a smart thermostat. After the DIY installation it did seem to be blowing a bit cooler than before but chocked it up to needing to warm up a bit (never really paid THAT close attention to the heating). The next day I did some more research and realized I had a setting wrong, resulting in the system blowing both the heat AND A/C over the past 24+ hours (and AUX heat because it was using a feature called Boost to make heating faster)!!

It's all good now but I'm bracing for the electric bill...

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Re: Mustachian People Problems (just for fun)
« Reply #4488 on: December 04, 2017, 07:32:22 PM »
If you mess up the math and end up setting your payroll deductions to be more than 100% of your post tax pay, your employer might not have the same priorities as you.

marielle

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Re: Mustachian People Problems (just for fun)
« Reply #4489 on: December 04, 2017, 09:54:29 PM »
Finally bit the bullet and installed a smart thermostat. After the DIY installation it did seem to be blowing a bit cooler than before but chocked it up to needing to warm up a bit (never really paid THAT close attention to the heating). The next day I did some more research and realized I had a setting wrong, resulting in the system blowing both the heat AND A/C over the past 24+ hours (and AUX heat because it was using a feature called Boost to make heating faster)!!

It's all good now but I'm bracing for the electric bill...


I made some conservative estimates. If your unit is 5 kwh and you ran it for 24 hours a day at 14 cents a kw that's less than $17. Could be worse! Not sure if this is correct though. Do you mean that it was set to such a specific temperature that both would kick on individually? Or at the same time (which they shouldn't be unless your heat is gas not electric)...

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #4490 on: December 05, 2017, 12:35:03 AM »
I had a similar issue last week.  I use the online bill pay to pay for a house cleaner for my mom's house once a month (beats me doing it!) and one of the checks was never cashed so it came back to me.  Now I have an extra $80 in income in November, and an extra $80 in spending in December in my budget program because of course I sent the cleaner a replacement check for the one that was cancelled.
In YNAB I would just budget the extra “income” as a negative expense and let the money roll over to next month where it is spent again. This way all income and spending statistics are correct.

neverrun

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Re: Mustachian People Problems (just for fun)
« Reply #4491 on: December 05, 2017, 05:30:01 AM »
Finally bit the bullet and installed a smart thermostat. After the DIY installation it did seem to be blowing a bit cooler than before but chocked it up to needing to warm up a bit (never really paid THAT close attention to the heating). The next day I did some more research and realized I had a setting wrong, resulting in the system blowing both the heat AND A/C over the past 24+ hours (and AUX heat because it was using a feature called Boost to make heating faster)!!

It's all good now but I'm bracing for the electric bill...

I hoped you checked with your electric company first.  I didn't DYI my eccobee, my gas company came out and put one in for "free."  (I say in quotes because I guess I paid for it as part of my fees for the past 5 years).  I had the energy audit done that was offered, I got a smart thermostat and 2 low flow shower heads out of it.  On the other side of the state where the gas company provides electric as well they also give our lightbulbs.

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Re: Mustachian People Problems (just for fun)
« Reply #4492 on: December 05, 2017, 06:04:18 AM »
About 2 years ago I started adding regularly to my after tax Vanguard account.  I originally didn't have enough funds to by the funds I wanted in the allocation I wanted so I dumped it into a Target date fund for what was supposed to be a short amount of time until I had enough for fund minimums of the portfolio I really wanted.  Then life happened, my savings rate increased, the market boomed and I forgot to redistribute to the desired funds.  This weekend I was revisiting my asset allocation and realized that I had totally neglected this account which is now >100K.  Rejiggering everything to be in alignment with the rest of my portfolio is costing me about $1800 in capital gains tax.  oops.  Is it wrong that I'm hoping the next market correction happens before Dec 31 so I can to some tax loss harvesting from my other taxable account to cover the gains in this one?  #firstworldproblems

coynemoney

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Re: Mustachian People Problems (just for fun)
« Reply #4493 on: December 05, 2017, 06:18:36 AM »
Finally bit the bullet and installed a smart thermostat. After the DIY installation it did seem to be blowing a bit cooler than before but chocked it up to needing to warm up a bit (never really paid THAT close attention to the heating). The next day I did some more research and realized I had a setting wrong, resulting in the system blowing both the heat AND A/C over the past 24+ hours (and AUX heat because it was using a feature called Boost to make heating faster)!!

It's all good now but I'm bracing for the electric bill...


I made some conservative estimates. If your unit is 5 kwh and you ran it for 24 hours a day at 14 cents a kw that's less than $17. Could be worse! Not sure if this is correct though. Do you mean that it was set to such a specific temperature that both would kick on individually? Or at the same time (which they shouldn't be unless your heat is gas not electric)...

It was set up so the outside A/C unit was considered a heat pump where it is simply a stand-alone A/C unit. So while it was ramping up to the temperature setpoint both the heat and A/C units were both on at the same time I think.

kaypinkHH

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Re: Mustachian People Problems (just for fun)
« Reply #4494 on: December 05, 2017, 08:24:15 AM »
Moved from a HCOL to a MCOL city, sold HCOL house.

Now none of our MCOL friends believe us when we say "this restaurant isn't in our budget".

So many struggles.

Why?  Do they think you are rolling in money because you sold a place in HCOL area?  Or are they just spendy spendy types that only have a little budgeted for long term savings out of their paychecks?

They think we are rolling in money....which isn't wrong :P.

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Re: Mustachian People Problems (just for fun)
« Reply #4495 on: December 05, 2017, 10:17:28 AM »
I always bring lunch to work. However, there's often some food available in the coffee room or at the hospital canteen downstairs. So regularly, I end up not eating my brought lunch. This week, it's happened two days in a row and now I don't think I can leave it another day so have to eat it for dinner. While I planned on cooking something else for dinner, buhu :(

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Re: Mustachian People Problems (just for fun)
« Reply #4496 on: December 05, 2017, 10:43:11 AM »
Moved from a HCOL to a MCOL city, sold HCOL house.

Now none of our MCOL friends believe us when we say "this restaurant isn't in our budget".

So many struggles.

Why?  Do they think you are rolling in money because you sold a place in HCOL area?  Or are they just spendy spendy types that only have a little budgeted for long term savings out of their paychecks?

They think we are rolling in money....which isn't wrong :P.

Ordinary people that know thrifty folks roll in money tend to forget how the situation came to be in the first place - that we DON'T spend money on bullshit.
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Re: Mustachian People Problems (just for fun)
« Reply #4497 on: December 05, 2017, 10:54:07 AM »
I always bring lunch to work. However, there's often some food available in the coffee room or at the hospital canteen downstairs. So regularly, I end up not eating my brought lunch. This week, it's happened two days in a row and now I don't think I can leave it another day so have to eat it for dinner. While I planned on cooking something else for dinner, buhu :(

Yeah, food waste is bad! I had the world's worst dinner last night because I couldn't bear to throw food away. I threw together some kind of pasta + veg with an improvised sauce, and I accidentally massively oversalted it. I ended up actually putting it all in a strainer and running water over it to wash off the oversalted sauce, and then eating it like that. :-|
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Re: Mustachian People Problems (just for fun)
« Reply #4498 on: December 05, 2017, 11:07:25 AM »
Currently eating leftovers I really, really don't want because my husband forgot his cooler of food this week when he left for Grad School Land. By the time I got home last night, the frozen leftover Mexican dip that he likes at least 10X more than I do was still icy cold, but unfrozen. I figure I'd better eat it. Fortunately, I found some leftover cornbread in the freezer which makes it taste much better to me than eating it with the chips he likes.


I'm also attempting to eat up his salads and mine this week, but since they're spinach, I may just cook with them instead.

gerardc

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Re: Mustachian People Problems (just for fun)
« Reply #4499 on: December 05, 2017, 05:34:42 PM »
Ordinary people that know thrifty folks roll in money tend to forget how the situation came to be in the first place - that we DON'T spend money on bullshit.

"Why do you keep dieting / working out, your body is already great! If I had a body like yours, I'd indulge in junk food and take a break from working out right away!"
- Well, that explains why you don't...