Author Topic: Mustachian People Problems (just for fun)  (Read 1555240 times)

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #4500 on: December 14, 2017, 03:25:42 PM »
People keep buying me drinks when I go out with groups (eg. coworker today at pub) and I never ever pay them back because they dive in to buy the first round every time and all I want is a single Diet Coke and I'm good for the whole night, while they get through several beers. They don't seem to mind (obviously I'm a cheap date!), but I find it very awkward. I'd rather just buy my own drinks but insisting would be even more awkward.

Familiar one. I'm not unwilling to pay someone a drink, but they just always seem to want them sooner/more frequently than  me.

Yes, this sounds familiar. Some people are always paying the first round, often for a pretty big group. For me, the number of rounds should not equal the number of people. So I am reluctant paying a round for the whole group (in Norway alcoholic drinks are really expensive). I would much rather pay for my own stuff and leave it there. But declining a round from someone is also impolite.

This is me too! With close friends, I'm just the weirdo who never wants a drink. They don't mind anymore. We don't go out in large groups, so the cost is not a problem, it's just that I don't drink and once I've finished a soft drink I don't need another one for at least the next hour. I could accept the drinks and just hold them in my hand for a long time but that's really annoying.

I did that in college. Played drinking games with a can of beer. Everyone else was too drunk to notice that it was the same can of beer all night, and I knew never to hang out with that group again.

A colleague and a client just finished a rant about people who don't drink, and how sad it is to toast with a soft drink.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4501 on: December 14, 2017, 03:43:16 PM »
A colleague and a client just finished a rant about people who don't drink, and how sad it is to toast with a soft drink.

I wonder what they would think about all the times I've toasted with a glass of tap water. :-)
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mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #4502 on: December 14, 2017, 04:34:46 PM »
A colleague and a client just finished a rant about people who don't drink, and how sad it is to toast with a soft drink.

I wonder what they would think about all the times I've toasted with a glass of tap water. :-)

Someone insisted on handing me a glass of champagne to toast at my own wedding. I drink, but not champagne - they wouldn't "let me" toast with whatever I had in my hand. I was young. If it happened now I'd tell them to piss off (actually don't remember who it was but I'm betting it was one of my in-laws).

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4503 on: December 14, 2017, 05:22:10 PM »
Someone insisted on handing me a glass of champagne to toast at my own wedding. I drink, but not champagne - they wouldn't "let me" toast with whatever I had in my hand. I was young. If it happened now I'd tell them to piss off (actually don't remember who it was but I'm betting it was one of my in-laws).

Ginger ale in a champagne flute is a pretty good fake if you're ever in a weird situation like that. I did that for my then-boyfriend at the millennium since we were at a big ol' fancy party with an open bar, and everyone was doing a big toast, and he was a little bummed he couldn't share in the moment. So I downed a glass of champagne (the sacrifices we make...) and poured some of his ginger ale in the empty flute, and no one could tell the difference but him :-)
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Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #4504 on: December 15, 2017, 12:05:07 AM »
A colleague and a client just finished a rant about people who don't drink, and how sad it is to toast with a soft drink.

I wonder what they would think about all the times I've toasted with a glass of tap water. :-)
Haha, I feel you. I've even had friends blaming me for drinking tap water over soft drinks because it's 'boring'. I didn't understand how I would get more fun with sugared, colored and fizzly water compared to just plain water.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4505 on: December 15, 2017, 01:16:55 AM »
A colleague and a client just finished a rant about people who don't drink, and how sad it is to toast with a soft drink.

I wonder what they would think about all the times I've toasted with a glass of tap water. :-)
Haha, I feel you. I've even had friends blaming me for drinking tap water over soft drinks because it's 'boring'. I didn't understand how I would get more fun with sugared, colored and fizzly water compared to just plain water.
The fun comes from the frenzy action your body jumps in to not get poisened by all that stuff. That makes you high.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4506 on: December 15, 2017, 01:51:46 AM »
A colleague and a client just finished a rant about people who don't drink, and how sad it is to toast with a soft drink.

I wonder what they would think about all the times I've toasted with a glass of tap water. :-)
Haha, I feel you. I've even had friends blaming me for drinking tap water over soft drinks because it's 'boring'. I didn't understand how I would get more fun with sugared, colored and fizzly water compared to just plain water.
The fun comes from the frenzy action your body jumps in to not get poisened by all that stuff. That makes you high.

I like a soft drink rather than tap water when I go out. We don't keep them in the house, so it is a rare treat. But I don't understand why other people CARE so much. I'll drink my drink and you drink yours. I don't make a fuss about you drinking half a bottle of wine, why are you making a fuss about ne drinking a Diet Coke?

ETA: it's come up a lot lately because I'm pregnant. My actual friends a) have got used to me by now and b) are friends and not jerks. But when I meet someone new and they notice I'm not drinking they often go off on one about how HARD it must be to not drink while pregnant but not to worry, I'll be toasting the new baby soon! So I just casually say "Oh not really, I don't usually drink at all". Cue anger and confusion. And intense CARING about my taste preferences.
« Last Edit: December 15, 2017, 01:55:26 AM by shelivesthedream »

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #4507 on: December 15, 2017, 07:43:07 AM »
1.  Looks at HSA, realizes is short by about $200 to maxing it out.
2.  Schedules payment
3.  Looks again, realizes that the December pass though has not transacted from employer.
4.  Has to go modify maxing out transaction so as not to be $62.50 over.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #4508 on: December 15, 2017, 09:17:03 AM »
We were on a road trip last week, and I accidentally grabbed a medium coffee cup at the convenience store instead of the small coffee cup I wanted. (Seemed like they purposefully placed the smalls and mediums apart from each other so people would make this mistake.) The mistake cost me 20 cents, and I became irrationally angry with myself. In fact, I am still bitter.
Bitter like the coffee? Hope you're over the pain now.
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Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4509 on: December 16, 2017, 06:33:18 AM »
Yesterday we went to a concert. It is winter here so we had to wear warm winter jackets outside. The wardrobe in the concert hall wanted 5 dollars for each coat. So DH and I kept our coats with us, as did a grwat number of people. It was quite uncomfortable having to use a hand around my winter jacket for hours. Giving applause for the very nice concert was difficult.

Sun Hat

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Re: Mustachian People Problems (just for fun)
« Reply #4510 on: December 17, 2017, 01:39:49 PM »
Linda, have you tried draping your coat on your seat and then sitting on it? If you have a very long coat, you might have to fold the bottom up on to the seat so that the hem doesn't get dirty from the floor, but I find that sitting on coats to be less warm than holding them in laps. If you have a very short person in your group, you can also make a booster-seat bundle with them (I do this with my miniscule grandmother).
"You need a little bit of insanity to do great things." ~ Henry Rollins

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4511 on: December 18, 2017, 02:31:33 AM »
Linda, have you tried draping your coat on your seat and then sitting on it? If you have a very long coat, you might have to fold the bottom up on to the seat so that the hem doesn't get dirty from the floor, but I find that sitting on coats to be less warm than holding them in laps. If you have a very short person in your group, you can also make a booster-seat bundle with them (I do this with my miniscule grandmother).

There were no seats. And my coat would not stay folded around my hips either. It is too slippery.

soccerluvof4

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Re: Mustachian People Problems (just for fun)
« Reply #4512 on: December 18, 2017, 02:49:47 AM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up. 
" In life you don't get what you deserve you get what you negotiate"

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #4513 on: December 18, 2017, 11:38:42 AM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

In the (long long) past, I went to a sports game and brought my own water and snacks and fruit. The guard at the gate said I couldn't bring my food in. I claimed I was hypoglycemic and needed to eat this. I don't think they knew what hypoglycemic was, looked a little scared, and just let me bring it in. It wasn't a total fabrication because at one point in time, I was fainting in certain situations and thought I might be, but I am not. It worked though.

Now I don't go to sports games. They bore me. Problem of overpriced parking and snacks solved!

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #4514 on: December 18, 2017, 11:44:56 AM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

Well if they spend money on a bear, then they should make sure they get snacks, so they don't end up as a snack.  Seems reasonable to me.

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #4515 on: December 18, 2017, 11:47:02 AM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

Well if they spend money on a bear, then they should make sure they get snacks, so they don't end up as a snack.  Seems reasonable to me.
Let the bears pay the bear tax, I pay the Homer tax.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4516 on: December 18, 2017, 01:06:12 PM »
Today's MPP:

I realized that VTI has gone up so fast that I can't really say that the dividend yield is 2% anymore when discussing it with people. It's now just below 1.75%.
Credit card signup bonuses:

Chase 4 ways!
Freedom: $150 bonus on $500 spend https://www.referyourchasecard.com/2/03KSQF2G5T
CSP: 50k UR ($500) on $4k spend https://www.referyourchasecard.com/6/UW0KPNQ0C6
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gerardc

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Re: Mustachian People Problems (just for fun)
« Reply #4517 on: December 18, 2017, 05:57:42 PM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

In the (long long) past, I went to a sports game and brought my own water and snacks and fruit. The guard at the gate said I couldn't bring my food in. I claimed I was hypoglycemic and needed to eat this. I don't think they knew what hypoglycemic was, looked a little scared, and just let me bring it in. It wasn't a total fabrication because at one point in time, I was fainting in certain situations and thought I might be, but I am not. It worked though.

Now I don't go to sports games. They bore me. Problem of overpriced parking and snacks solved!

And that's why when someone claims they have a condition, are lactose-intolerant, gluten-intolerant, etc. no one gives a fuck anymore.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4518 on: December 18, 2017, 06:53:13 PM »
Today's second MPP related to VTI... I keep checking the stock market, like DAILY due to the funny "Top is IN!" thread!

I used to go months between checking the market, sometimes over a year. No longer.
Credit card signup bonuses:

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Amex Hilton Ascend: 100k HH points on $2k spend + Gold status http://refer.amex.us/THOMASYKOS

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #4519 on: December 18, 2017, 09:37:53 PM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

In the (long long) past, I went to a sports game and brought my own water and snacks and fruit. The guard at the gate said I couldn't bring my food in. I claimed I was hypoglycemic and needed to eat this. I don't think they knew what hypoglycemic was, looked a little scared, and just let me bring it in. It wasn't a total fabrication because at one point in time, I was fainting in certain situations and thought I might be, but I am not. It worked though.

Now I don't go to sports games. They bore me. Problem of overpriced parking and snacks solved!

And that's why when someone claims they have a condition, are lactose-intolerant, gluten-intolerant, etc. no one gives a fuck anymore.

I'm not sure what you are getting at with here, but I find the unhealthy and overpriced food at stadiums ridiculous. There was nothing wrong with me bringing some fruit, water, and snacks with me to the game, but the guards weren't allowing that. I'm not sure why buying tickets to a game means that you have to eat their stadium food and can't bring your own.

Oh well, over priced parking and food, in addition to boring games, means that I will not attend any more of their games.
« Last Edit: December 18, 2017, 09:40:32 PM by Daisy »

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4520 on: December 19, 2017, 12:43:02 AM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

In the (long long) past, I went to a sports game and brought my own water and snacks and fruit. The guard at the gate said I couldn't bring my food in. I claimed I was hypoglycemic and needed to eat this. I don't think they knew what hypoglycemic was, looked a little scared, and just let me bring it in. It wasn't a total fabrication because at one point in time, I was fainting in certain situations and thought I might be, but I am not. It worked though.

Now I don't go to sports games. They bore me. Problem of overpriced parking and snacks solved!

And that's why when someone claims they have a condition, are lactose-intolerant, gluten-intolerant, etc. no one gives a fuck anymore.

I'm not sure what you are getting at with here, but I find the unhealthy and overpriced food at stadiums ridiculous. There was nothing wrong with me bringing some fruit, water, and snacks with me to the game, but the guards weren't allowing that. I'm not sure why buying tickets to a game means that you have to eat their stadium food and can't bring your own.

Oh well, over priced parking and food, in addition to boring games, means that I will not attend any more of their games.

We went to a concert on Friday and I bought a bottle of soda at a local grocery store for a much lower price than at a kiosk in the center. I had thought to bring it inside. DH pinpointed that they were body-searching coats and that we couldn't bring the drink. So we drank the bottle while standing in the queue. It turned out that the search was not that bad. I could have put the bottle somewhere without being noticed.
But we were fine for the rest of the evening. The others people in the audience were buying expensive beer all the time.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #4521 on: December 19, 2017, 07:49:43 AM »
The only time I go to a pro sports game is when i get free tickets and my friends laugh (they never know about the tickets) but deep down inside i know at the end of the night when they realize how much they have spent on bear, tickets, parking and snacks I am the guy they love to be mad at.  I am willing to walk a mile to save 25$ on parking and stop at the dollar store for me and my kids to pick up some items to snack on as they just keep opening there wallets up.

In the (long long) past, I went to a sports game and brought my own water and snacks and fruit. The guard at the gate said I couldn't bring my food in. I claimed I was hypoglycemic and needed to eat this. I don't think they knew what hypoglycemic was, looked a little scared, and just let me bring it in. It wasn't a total fabrication because at one point in time, I was fainting in certain situations and thought I might be, but I am not. It worked though.

Now I don't go to sports games. They bore me. Problem of overpriced parking and snacks solved!

And that's why when someone claims they have a condition, are lactose-intolerant, gluten-intolerant, etc. no one gives a fuck anymore.

I'm not sure what you are getting at with here, but I find the unhealthy and overpriced food at stadiums ridiculous. There was nothing wrong with me bringing some fruit, water, and snacks with me to the game, but the guards weren't allowing that. I'm not sure why buying tickets to a game means that you have to eat their stadium food and can't bring your own.

Oh well, over priced parking and food, in addition to boring games, means that I will not attend any more of their games.

There is nothing wrong with lying because it was what I wanted to do.

WoodSpinner

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Re: Mustachian People Problems (just for fun)
« Reply #4522 on: December 19, 2017, 10:07:48 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 Mom was a very early MMM ...

She passed away last year and when we were going through her stuff, I found itemized detailed hand-written spreadsheets tracking all of the expenses for me, my brother and sister from birth to when we moved out!!!

I had quite a good time reviewing the expenditures and highlighting the fact that my frugality was in my DNA, since she spent about 1/3 less on me ( I have had part time jobs since 13) than my brother or sister.

WoodSpinner
(2nd day of FIRE)

jordanread

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Re: Mustachian People Problems (just for fun)
« Reply #4523 on: December 19, 2017, 10:44:49 AM »
@WoodSpinner that is awesome!!

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4524 on: December 20, 2017, 05:45:44 PM »
I had a few moments of serious angst tonight when I spotted a nickel on the floor. Nobody else was nearby, so fair game. But it was in a public bathroom in a midtown Manhattan medical facility, so a very high germ/ick factor. I decided to leave it for the janitor... might have gone for a quarter, but it's not worth catching Ebola over a nickel ;-)
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Sun Hat

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Re: Mustachian People Problems (just for fun)
« Reply #4525 on: December 20, 2017, 07:10:05 PM »
I offered to bring trifle to Christmas dinner at my aunt's house - only to realize that I had donated my serving bowl in my mass decluttering event this fall, so I had to go to the thrift store to buy one. Unfortunately, the one that I had donated was long gone,  as I would have enjoyed the humor in buying my old bowl back.

« Last Edit: December 20, 2017, 07:51:52 PM by Sun Hat »
"You need a little bit of insanity to do great things." ~ Henry Rollins

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #4526 on: December 20, 2017, 09:27:47 PM »
I had a few moments of serious angst tonight when I spotted a nickel on the floor. Nobody else was nearby, so fair game. But it was in a public bathroom in a midtown Manhattan medical facility, so a very high germ/ick factor. I decided to leave it for the janitor... might have gone for a quarter, but it's not worth catching Ebola over a nickel ;-)

You do have standards after all...

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4527 on: December 21, 2017, 12:35:21 AM »
Being a Mustachian I use a smart phone that is some years old, a Samsung S4 active. At work we moved into a new building this week and my phone simple doesn't have any coverage at all. My colleague advised to turn on Wifi-call. But my phone seems to be too old to have this option.
I am currently updating to the latest phone software in the hope that some solution will appear.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #4528 on: December 21, 2017, 07:30:21 AM »
Our rent is going up 10%, and likely to increase again in six months. This felt like a gut punch. Then I did the yearly math and it doesn't seem like that much. Then I literally cried for our neighbors who live on the edge (theirs won't increase quite as much, as part of the increase is a per resident fee). Then I remembered that they eat out more than we do. And drink a helluva lot more than we do.

Still, I sure hope we can get a waiver to move into our back up plan early!

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #4529 on: December 22, 2017, 01:19:05 PM »
I told my wife I've almost reached $150k in my 401k. She responded with: "That doesn't seem like much..." Our Mustachian mindset has made even $150k feel like a rather small milestone.

gypsy79

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Re: Mustachian People Problems (just for fun)
« Reply #4530 on: December 28, 2017, 07:50:00 AM »
We were on a road trip last week, and I accidentally grabbed a medium coffee cup at the convenience store instead of the small coffee cup I wanted. (Seemed like they purposefully placed the smalls and mediums apart from each other so people would make this mistake.) The mistake cost me 20 cents, and I became irrationally angry with myself. In fact, I am still bitter.
Bitter like the coffee? Hope you're over the pain now.

Hahaha! I am slowly getting over it.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #4531 on: December 28, 2017, 08:54:42 AM »
I have a handful of REIT stocks, many of them go ex dividend the 28th and 29th of this month.
The stock price usually drops about the same amount as the dividend, but I don't get the dividend until the middle of next month.

My MPP, I'm eagerly looking forward to my a NW calculation on 12-31-17, but the prices of my REITs dropped on ex dividend day and my account won't be credited with the dividend until next month. It's about $7,500 that won't show up.
 For my written record it won't be recorded, for my gratification, I'll mentaly add it in.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #4532 on: December 28, 2017, 09:38:46 AM »
This is kind of a problem problem, but exaggerated by frugal habits.

Partner came home today to shower and dress for a work Christmas event only to discover all of his shirts, except the one he was wearing were in the washing machine. 

Of course we don’t have a dryer.

I suggested that maybe if we iron his button down for a long time it might be dry enough to wear...

He ended up wearing my ribbed sleep tank top (the only thing that could stretch enough to fit him!) under an older, but reasonably nice turtleneck sweater that was a bit warm for the weather, but not so much as to look usual. 

Now, of course he could have mentioned this event when I asked him yesterday if he had any preference when I did the next load of laundry.  We really should buy him another shirt, even a T-shirt would help...


martyconlonontherun

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Re: Mustachian People Problems (just for fun)
« Reply #4533 on: December 28, 2017, 09:53:37 AM »
People keep buying me drinks when I go out with groups (eg. coworker today at pub) and I never ever pay them back because they dive in to buy the first round every time and all I want is a single Diet Coke and I'm good for the whole night, while they get through several beers. They don't seem to mind (obviously I'm a cheap date!), but I find it very awkward. I'd rather just buy my own drinks but insisting would be even more awkward.

Familiar one. I'm not unwilling to pay someone a drink, but they just always seem to want them sooner/more frequently than  me.

I just don't see the need to buy rounds/meals now. I get in the past where you paid by the round to make it easier or it was harder to split bills. But now it is so easy to either split the bill up in the system, keep tabs, or venmo someone later it just drives me nuts. Its a combination of tragedy of the commons and showing off money.

I was at dinner last night with my wife's friends (couple) and her dad. Bill came and I said something along the lines like just split 3 ways (with my card in hand)? It was basically even with the exception of my wife's dad who would've paid a little extra, but he wouldn't of cared. The other guy made a big deal saying it was his treat because he was staying with us. (He made the same show at breakfast when we stayed with him last fall because we were the guests).

 Like how am I supposed to react in that situation? There was no reason for him to pay the bill and it was all for attention showing what a great guy he is. He wanted a little resistance and he would do the awkward thing where he would quickly shove it to the waittress when we would object (this happened the previous time). Just don't like the feeling I owe him something or throwing money around.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4534 on: December 28, 2017, 09:54:36 AM »
XKCD on credit card reward choices: https://xkcd.com/1908/

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4535 on: December 28, 2017, 12:11:33 PM »
Today's MPP: Over the last ~18 months, we have accumulated enough credit card reward points (ie, Chase UR, hotel points, etc) that it exceeds 1% of our net worth and really should be included in doing my annual calculation. But that's more work, and we will blow it on free travel instead of actually cashing it out.
Credit card signup bonuses:

Chase 4 ways!
Freedom: $150 bonus on $500 spend https://www.referyourchasecard.com/2/03KSQF2G5T
CSP: 50k UR ($500) on $4k spend https://www.referyourchasecard.com/6/UW0KPNQ0C6
CSR: 50k UR ($500) on $4k spend https://www.referyourchasecard.com/19/AOWAI3BZ35
CIP (business): 80k UR ($800) on $5k spend https://www.referyourchasecard.com/21/734C6BFZO3

Amex Platinum: 60k MR on $5k spend (try to get targeted for a 100k offer instead) http://refer.amex.us/THOMASCt2z
Amex Hilton Ascend: 100k HH points on $2k spend + Gold status http://refer.amex.us/THOMASYKOS

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4536 on: December 28, 2017, 01:15:51 PM »
People keep buying me drinks when I go out with groups (eg. coworker today at pub) and I never ever pay them back because they dive in to buy the first round every time and all I want is a single Diet Coke and I'm good for the whole night, while they get through several beers. They don't seem to mind (obviously I'm a cheap date!), but I find it very awkward. I'd rather just buy my own drinks but insisting would be even more awkward.

Familiar one. I'm not unwilling to pay someone a drink, but they just always seem to want them sooner/more frequently than  me.

I was at dinner last night with my wife's friends (couple) and her dad. Bill came and I said something along the lines like just split 3 ways (with my card in hand)? It was basically even with the exception of my wife's dad who would've paid a little extra, but he wouldn't of cared. The other guy made a big deal saying it was his treat because he was staying with us. (He made the same show at breakfast when we stayed with him last fall because we were the guests).

 Like how am I supposed to react in that situation? There was no reason for him to pay the bill and it was all for attention showing what a great guy he is. He wanted a little resistance and he would do the awkward thing where he would quickly shove it to the waittress when we would object (this happened the previous time). Just don't like the feeling I owe him something or throwing money around.

I really hate that too. I have a couple of (incidentally, all male) friends (I'm female) who do this all the time up to the point where I now sometimes hesitate to meet up with them outside the home. It just feels extremely awkward. We are all in long-term relationships / married, so there are no expectations of something else on either side. They just seem to have this deep rooted feeling that they shouldn't let a woman pay. Sometimes they'll say "oh, I'll let you know how much you owe me when I get home" and then they never do. I'll remind them, but I do feel awkward sending a dozen reminders.

Right now I owe a friend about €25. I know it's not a lot of money and he has a good income, but still, to me it feels different than owing someone a drink or a coffee. We bought a friend a gift for a his birthday. We decided on the gift together (it's a practical item that the friend really needed at that point) but as he has a car and I don't, he was the one who went to buy it. It's been 6 weeks since the birthday and he still hasn't let me know how much I owe him / his bank account details so I can transfer the money. I sent him a reminder and he replied with something vague like 'oh, i'll check that out later'.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4537 on: December 28, 2017, 01:29:12 PM »
People keep buying me drinks when I go out with groups (eg. coworker today at pub) and I never ever pay them back because they dive in to buy the first round every time and all I want is a single Diet Coke and I'm good for the whole night, while they get through several beers. They don't seem to mind (obviously I'm a cheap date!), but I find it very awkward. I'd rather just buy my own drinks but insisting would be even more awkward.

Familiar one. I'm not unwilling to pay someone a drink, but they just always seem to want them sooner/more frequently than  me.

I was at dinner last night with my wife's friends (couple) and her dad. Bill came and I said something along the lines like just split 3 ways (with my card in hand)? It was basically even with the exception of my wife's dad who would've paid a little extra, but he wouldn't of cared. The other guy made a big deal saying it was his treat because he was staying with us. (He made the same show at breakfast when we stayed with him last fall because we were the guests).

 Like how am I supposed to react in that situation? There was no reason for him to pay the bill and it was all for attention showing what a great guy he is. He wanted a little resistance and he would do the awkward thing where he would quickly shove it to the waittress when we would object (this happened the previous time). Just don't like the feeling I owe him something or throwing money around.

I really hate that too. I have a couple of (incidentally, all male) friends (I'm female) who do this all the time up to the point where I now sometimes hesitate to meet up with them outside the home. It just feels extremely awkward. We are all in long-term relationships / married, so there are no expectations of something else on either side. They just seem to have this deep rooted feeling that they shouldn't let a woman pay. Sometimes they'll say "oh, I'll let you know how much you owe me when I get home" and then they never do. I'll remind them, but I do feel awkward sending a dozen reminders.

Right now I owe a friend about €25. I know it's not a lot of money and he has a good income, but still, to me it feels different than owing someone a drink or a coffee. We bought a friend a gift for a his birthday. We decided on the gift together (it's a practical item that the friend really needed at that point) but as he has a car and I don't, he was the one who went to buy it. It's been 6 weeks since the birthday and he still hasn't let me know how much I owe him / his bank account details so I can transfer the money. I sent him a reminder and he replied with something vague like 'oh, i'll check that out later'.

There are people who feel successful and powerful because they pay for other people's meals and drinks. I don't get it.

Personally, as an extremely independent woman, I have a problem with that because dammit, you're not in charge of me and hell no I am not going to "owe" anyone anything. I can pay my own way.... And then they get all offended and don't know how to deal with me. When it's really quite simple - treat me as an equal. But they seem incapable of doing that.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #4538 on: December 28, 2017, 04:02:17 PM »
My "problem."

DH built me a new excel to account for our 2018 spending. It is a HUGE upgrade from all previous excels.  It has all the drop downs I want with graphs and categories etc etc.  Very exciting!!!!! 2018 we are really dialing in our spending to match our retirement numbers to see if they are feasible. 

The excel went though its last testing at the beginning of December and I really want to start using it, but need to wait until Jan. 1st to move the remnants of 2017 into it and get it running for 2018.  So excited.  And so few understanding how exciting it is!  Tracking the end of November and December in the old excel is like driving a very old, sad, backfiring car while a nice (used) car is waiting for you in the driveway.

SOON!

LV



zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4539 on: December 28, 2017, 09:54:01 PM »
Here's mine: having to shuffle funds around a bit in order to free up cash to pre-pay our property taxes for next year, so we can maximize our deductions for 2017.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4540 on: December 29, 2017, 03:23:25 AM »
People keep buying me drinks when I go out with groups (eg. coworker today at pub) and I never ever pay them back because they dive in to buy the first round every time and all I want is a single Diet Coke and I'm good for the whole night, while they get through several beers. They don't seem to mind (obviously I'm a cheap date!), but I find it very awkward. I'd rather just buy my own drinks but insisting would be even more awkward.

Familiar one. I'm not unwilling to pay someone a drink, but they just always seem to want them sooner/more frequently than  me.

I was at dinner last night with my wife's friends (couple) and her dad. Bill came and I said something along the lines like just split 3 ways (with my card in hand)? It was basically even with the exception of my wife's dad who would've paid a little extra, but he wouldn't of cared. The other guy made a big deal saying it was his treat because he was staying with us. (He made the same show at breakfast when we stayed with him last fall because we were the guests).

 Like how am I supposed to react in that situation? There was no reason for him to pay the bill and it was all for attention showing what a great guy he is. He wanted a little resistance and he would do the awkward thing where he would quickly shove it to the waittress when we would object (this happened the previous time). Just don't like the feeling I owe him something or throwing money around.

I really hate that too. I have a couple of (incidentally, all male) friends (I'm female) who do this all the time up to the point where I now sometimes hesitate to meet up with them outside the home. It just feels extremely awkward. We are all in long-term relationships / married, so there are no expectations of something else on either side. They just seem to have this deep rooted feeling that they shouldn't let a woman pay. Sometimes they'll say "oh, I'll let you know how much you owe me when I get home" and then they never do. I'll remind them, but I do feel awkward sending a dozen reminders.

Right now I owe a friend about €25. I know it's not a lot of money and he has a good income, but still, to me it feels different than owing someone a drink or a coffee. We bought a friend a gift for a his birthday. We decided on the gift together (it's a practical item that the friend really needed at that point) but as he has a car and I don't, he was the one who went to buy it. It's been 6 weeks since the birthday and he still hasn't let me know how much I owe him / his bank account details so I can transfer the money. I sent him a reminder and he replied with something vague like 'oh, i'll check that out later'.

There are people who feel successful and powerful because they pay for other people's meals and drinks. I don't get it.

Personally, as an extremely independent woman, I have a problem with that because dammit, you're not in charge of me and hell no I am not going to "owe" anyone anything. I can pay my own way.... And then they get all offended and don't know how to deal with me. When it's really quite simple - treat me as an equal. But they seem incapable of doing that.

In the case of the birthday present, I would consider giving them a date. "Hey [friend], I still owe you money for [present]. I know you said you'd check the amount and send me your details but I haven't heard from you. If I'm going to pay you back I need to know by [date], or we'll have to let this one go forever!" Then if they haven't let you know by the date, they had their chance and you can obliterate it from your mental register. I'm a hardass about the owing of actual money (both ways!) as opposed to drinks or dinner.

eaknet

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Re: Mustachian People Problems (just for fun)
« Reply #4541 on: December 29, 2017, 04:00:39 AM »
Here's mine: having to shuffle funds around a bit in order to free up cash to pre-pay our property taxes for next year, so we can maximize our deductions for 2017.

+1. I’ve had to do the exact same thing. When I asked a friend who lives in the same town if he was going to prepay, he said, “Why wouldn’t you just take that as next year’s deduction?”’ We have similar incomes,’so like us he’s going to be hurt by the SALT limit, but he wasn’t even aware of the fact the governor had passed emergency legislation so people could do just that.


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If you'd like a free stock (and I'd receive one as well), use this link to sign up for the Robinhood app.  Robinhood provides free trades, and is a pretty nifty interface. 
https://share.robinhood.com/erick779

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4542 on: December 29, 2017, 07:44:26 AM »

In the case of the birthday present, I would consider giving them a date. "Hey [friend], I still owe you money for [present]. I know you said you'd check the amount and send me your details but I haven't heard from you. If I'm going to pay you back I need to know by [date], or we'll have to let this one go forever!" Then if they haven't let you know by the date, they had their chance and you can obliterate it from your mental register. I'm a hardass about the owing of actual money (both ways!) as opposed to drinks or dinner.

I would be more likely to say "... If I'm going to pay you back the exact amount I need to know by [date], or I'm just sending $25 and we'll be done with it"
Credit card signup bonuses:

Chase 4 ways!
Freedom: $150 bonus on $500 spend https://www.referyourchasecard.com/2/03KSQF2G5T
CSP: 50k UR ($500) on $4k spend https://www.referyourchasecard.com/6/UW0KPNQ0C6
CSR: 50k UR ($500) on $4k spend https://www.referyourchasecard.com/19/AOWAI3BZ35
CIP (business): 80k UR ($800) on $5k spend https://www.referyourchasecard.com/21/734C6BFZO3

Amex Platinum: 60k MR on $5k spend (try to get targeted for a 100k offer instead) http://refer.amex.us/THOMASCt2z
Amex Hilton Ascend: 100k HH points on $2k spend + Gold status http://refer.amex.us/THOMASYKOS

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4543 on: December 29, 2017, 08:58:18 AM »

In the case of the birthday present, I would consider giving them a date. "Hey [friend], I still owe you money for [present]. I know you said you'd check the amount and send me your details but I haven't heard from you. If I'm going to pay you back I need to know by [date], or we'll have to let this one go forever!" Then if they haven't let you know by the date, they had their chance and you can obliterate it from your mental register. I'm a hardass about the owing of actual money (both ways!) as opposed to drinks or dinner.

I would be more likely to say "... If I'm going to pay you back the exact amount I need to know by [date], or I'm just sending $25 and we'll be done with it"

Another excellent option, but relies on you having been given their bank details. Though I suppose you could give or post cash.

macoconut

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Re: Mustachian People Problems (just for fun)
« Reply #4544 on: December 29, 2017, 03:26:39 PM »

In the case of the birthday present, I would consider giving them a date. "Hey [friend], I still owe you money for [present]. I know you said you'd check the amount and send me your details but I haven't heard from you. If I'm going to pay you back I need to know by [date], or we'll have to let this one go forever!" Then if they haven't let you know by the date, they had their chance and you can obliterate it from your mental register. I'm a hardass about the owing of actual money (both ways!) as opposed to drinks or dinner.

I would be more likely to say "... If I'm going to pay you back the exact amount I need to know by [date], or I'm just sending $25 and we'll be done with it"

Another excellent option, but relies on you having been given their bank details. Though I suppose you could give or post cash.

No bank details needed if your bank can send money via Zelle. If so, you only need the recipient's cell# or email address.

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4545 on: December 29, 2017, 03:32:14 PM »
I spent all year tracking all of our medical expenses and entering them into a spread sheet so come tax time I could easily summarize and deduct them.  Due to higher than expected income, and the unexpected sale of a rental property (resulting in about $65k LTGC), we are unable to deduct any of our medical expenses anyway.   72 rows of data complete with mileage and notes for no reason.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #4546 on: December 30, 2017, 09:09:34 AM »
I spent all year tracking all of our medical expenses and entering them into a spread sheet so come tax time I could easily summarize and deduct them.  Due to higher than expected income, and the unexpected sale of a rental property (resulting in about $65k LTGC), we are unable to deduct any of our medical expenses anyway.   72 rows of data complete with mileage and notes for no reason.

Do you have a HSA account? If so, that spreadsheet is very useful anyway for tracking reimbursable expenses for future HSA withdrawals.


frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4547 on: December 30, 2017, 05:39:32 PM »
I spent all year tracking all of our medical expenses and entering them into a spread sheet so come tax time I could easily summarize and deduct them.  Due to higher than expected income, and the unexpected sale of a rental property (resulting in about $65k LTGC), we are unable to deduct any of our medical expenses anyway.   72 rows of data complete with mileage and notes for no reason.

Do you have a HSA account? If so, that spreadsheet is very useful anyway for tracking reimbursable expenses for future HSA withdrawals.

Not for 2017 we don't.  We will starting in 2018.

I don't play to use money from the HSA and will just pay out of pocket and keep the HSA as an IRA account. 

Am I allowed to pay for 2017 expenses from an HSA that didn't start until 2018?

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #4548 on: December 30, 2017, 06:15:35 PM »
I spent all year tracking all of our medical expenses and entering them into a spread sheet so come tax time I could easily summarize and deduct them.  Due to higher than expected income, and the unexpected sale of a rental property (resulting in about $65k LTGC), we are unable to deduct any of our medical expenses anyway.   72 rows of data complete with mileage and notes for no reason.

Do you have a HSA account? If so, that spreadsheet is very useful anyway for tracking reimbursable expenses for future HSA withdrawals.

Not for 2017 we don't.  We will starting in 2018.

I don't play to use money from the HSA and will just pay out of pocket and keep the HSA as an IRA account. 

Am I allowed to pay for 2017 expenses from an HSA that didn't start until 2018?

Unfortunately, no :(

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4549 on: December 31, 2017, 07:55:06 PM »
Today's MPP:

I have gotten into the habit of updating my net worth tracker approximately 1 week into the month. Didn't actually think about this in context of new year's, and now if I do it early then it'll be slightly wacky as compared to the rest of the data. Guess I'll have to wait a week.

In other MPPs, I just switched jobs. Am in the process of rolling over my 401k from previous job into my Vanguard account, which will make everything much easier for tracking. Except that there's a 1 month hold period before the rollover can actually happen, so it'll be about 2 weeks still. My next net worth update will still involve manually going to the website and typing in the numbers, since I can't link it to Quicken.

And Friday was the first paydate for new job. I had set up direct deposit for 2 accounts. One is a savings account, the other my checking. The money hit the savings account (Ally) Friday. Finally showed up today as pending at Chase. I really hope this goes a little faster in future, because I do my banking over the weekend and it would really suck if my paycheck was stuck in processing over the weekend all the time. Just makes it messy.