Author Topic: Mustachian People Problems (just for fun)  (Read 1819977 times)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5500 on: August 20, 2018, 12:39:39 PM »
We retired in May of this year.

I lost track of what day it was and was late paying the bills this week!   Oops!

I'm having to change my system on how I do things because the regular workweek and its structure don't apply anymore.
Don't know if it works in the US, but I know if screw up and am a day or two late, I can often get the company to waive the interest charge, since it's something I almost never do....or if I fumble finger paying a bill and under pay by a very small amount.....when you're a good customer (pays in full all the time on time), they like to keep you happy.   Doesn't hurt to call them up and admit your mistake and ask them to waive any late payment charges.  (my dad always said, "the worse they can say is no")

Happened to me recently.  Just call and ask nicely, I know Chase will automatically approve 1-2 times per year

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5501 on: August 21, 2018, 12:21:45 AM »
We retired in May of this year.

I lost track of what day it was and was late paying the bills this week!   Oops!

I'm having to change my system on how I do things because the regular workweek and its structure don't apply anymore.
Don't know if it works in the US, but I know if screw up and am a day or two late, I can often get the company to waive the interest charge, since it's something I almost never do....or if I fumble finger paying a bill and under pay by a very small amount.....when you're a good customer (pays in full all the time on time), they like to keep you happy.   Doesn't hurt to call them up and admit your mistake and ask them to waive any late payment charges.  (my dad always said, "the worse they can say is no")

Happened to me recently.  Just call and ask nicely, I know Chase will automatically approve 1-2 times per year

Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #5502 on: August 21, 2018, 03:49:32 AM »
We retired in May of this year.

I lost track of what day it was and was late paying the bills this week!   Oops!

I'm having to change my system on how I do things because the regular workweek and its structure don't apply anymore.
Don't know if it works in the US, but I know if screw up and am a day or two late, I can often get the company to waive the interest charge, since it's something I almost never do....or if I fumble finger paying a bill and under pay by a very small amount.....when you're a good customer (pays in full all the time on time), they like to keep you happy.   Doesn't hurt to call them up and admit your mistake and ask them to waive any late payment charges.  (my dad always said, "the worse they can say is no")

Happened to me recently.  Just call and ask nicely, I know Chase will automatically approve 1-2 times per year

Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.
I'm not in the US but all but all my bills are on automatic and I never have issues. The only time I thought I had an issue was when the mortgage wasn't on the list 3 days after it was due. I called the bank and asked if the invoice bounced because I was possibly overdrawn or something but no, the bank had a system failure and was a few days late :D

Due to the SEPA rules in the EU I can also see upcoming transactions a.couple of days in advance too. If I missed something this gives me plenty of time to move monies between the savings and regular accounts :)

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5503 on: August 21, 2018, 03:54:09 AM »
Yesterday, I noticed a whole in my favorite jeans. This morning, I tried to figure what to wear as my other pair of jeans just isn't as comfy and have smaller pockets then I'd like. I was happy to find another pair of black jeans in my closet and put them on. Turns out, it has a similar hole that I noticed as soon as I went to the bathroom (thank god before I headed to work) and that was why it was so tucked away in the closet :(. As I never go shopping out of shopping hate (this extends to online shopping) I literally didn't have any other jeans to wear to work.

So less-comfy jeans there we go.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #5504 on: August 21, 2018, 06:06:51 AM »
Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.

Only sometimes, unfortunately.  Many service providers allow automatic bill pay, but that has to be set up on their end, not from the bank's end.  Credit cards almost always allow this, and we also have our electric bill set up this way.  Other recurring payments can be set up through the bank, but only if the payment amount is exactly the same every month.  We pay our rent this way.  However, our gas/heating bill does not have an auto-pay set up available on their end, and since the payment varies month to month, we can't set it up from the bank side.  We have to set up each payment individually after we receive the bill amount.  It's archaic and idiotic.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #5505 on: August 21, 2018, 06:59:54 AM »
Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.

Only sometimes, unfortunately.  Many service providers allow automatic bill pay, but that has to be set up on their end, not from the bank's end.  Credit cards almost always allow this, and we also have our electric bill set up this way.  Other recurring payments can be set up through the bank, but only if the payment amount is exactly the same every month.  We pay our rent this way.  However, our gas/heating bill does not have an auto-pay set up available on their end, and since the payment varies month to month, we can't set it up from the bank side.  We have to set up each payment individually after we receive the bill amount.  It's archaic and idiotic.

I had autopay setup on our utilities bill through their website. Apparently it wasn't actually automated because they shut off our power for non-payment when they forgot to pull the payment...

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5506 on: August 21, 2018, 08:30:25 AM »
We retired in May of this year.

I lost track of what day it was and was late paying the bills this week!   Oops!

I'm having to change my system on how I do things because the regular workweek and its structure don't apply anymore.
Don't know if it works in the US, but I know if screw up and am a day or two late, I can often get the company to waive the interest charge, since it's something I almost never do....or if I fumble finger paying a bill and under pay by a very small amount.....when you're a good customer (pays in full all the time on time), they like to keep you happy.   Doesn't hurt to call them up and admit your mistake and ask them to waive any late payment charges.  (my dad always said, "the worse they can say is no")

Happened to me recently.  Just call and ask nicely, I know Chase will automatically approve 1-2 times per year

Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.
I'm not in the US but all but all my bills are on automatic and I never have issues. The only time I thought I had an issue was when the mortgage wasn't on the list 3 days after it was due. I called the bank and asked if the invoice bounced because I was possibly overdrawn or something but no, the bank had a system failure and was a few days late :D

Due to the SEPA rules in the EU I can also see upcoming transactions a.couple of days in advance too. If I missed something this gives me plenty of time to move monies between the savings and regular accounts :)

I do the same thing. On pay day, a set amount of money is transferred from my account to the bills account and all bills are automatically paid through that account. There are other set payments to investments and savings and there's only a couple of hundred of spending money left in my account the next day. Works perfectly. The bank sends us a message in case something goes wrong (when I'm paid a day late or something) otherwise I only login about once a week to check.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5507 on: August 21, 2018, 11:07:45 AM »
Yesterday, I noticed a whole in my favorite jeans. This morning, I tried to figure what to wear as my other pair of jeans just isn't as comfy and have smaller pockets then I'd like. I was happy to find another pair of black jeans in my closet and put them on. Turns out, it has a similar hole that I noticed as soon as I went to the bathroom (thank god before I headed to work) and that was why it was so tucked away in the closet :(. As I never go shopping out of shopping hate (this extends to online shopping) I literally didn't have any other jeans to wear to work.

So less-comfy jeans there we go.

Is a hole between the thighs? In that case you can repair it. Just stitch a piece of cloth on the inside covering the hole and then stitch crisscross many times over the hole. Then you can wear your trousers a couple of months longer.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5508 on: August 21, 2018, 11:11:26 AM »
Yesterday, I noticed a whole in my favorite jeans. This morning, I tried to figure what to wear as my other pair of jeans just isn't as comfy and have smaller pockets then I'd like. I was happy to find another pair of black jeans in my closet and put them on. Turns out, it has a similar hole that I noticed as soon as I went to the bathroom (thank god before I headed to work) and that was why it was so tucked away in the closet :(. As I never go shopping out of shopping hate (this extends to online shopping) I literally didn't have any other jeans to wear to work.

So less-comfy jeans there we go.

Is a hole between the thighs? In that case you can repair it. Just stitch a piece of cloth on the inside covering the hole and then stitch crisscross many times over the hole. Then you can wear your trousers a couple of months longer.

That was my intention, hence I had kept the older jeans. Just forgotten about them. Plus I'm not much of a sewing hero so kind of hesitant to try. But I'll force myself to do it some time! Now I have 2 pairs of jeans to practice :')

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #5509 on: August 21, 2018, 12:08:50 PM »
Yesterday, I noticed a whole in my favorite jeans. This morning, I tried to figure what to wear as my other pair of jeans just isn't as comfy and have smaller pockets then I'd like. I was happy to find another pair of black jeans in my closet and put them on. Turns out, it has a similar hole that I noticed as soon as I went to the bathroom (thank god before I headed to work) and that was why it was so tucked away in the closet :(. As I never go shopping out of shopping hate (this extends to online shopping) I literally didn't have any other jeans to wear to work.

So less-comfy jeans there we go.

Is a hole between the thighs? In that case you can repair it. Just stitch a piece of cloth on the inside covering the hole and then stitch crisscross many times over the hole. Then you can wear your trousers a couple of months longer.

That was my intention, hence I had kept the older jeans. Just forgotten about them. Plus I'm not much of a sewing hero so kind of hesitant to try. But I'll force myself to do it some time! Now I have 2 pairs of jeans to practice :')
I used an iron-on patch (paid $2 for 3 patches ~3"x4") for my favorite jeans.  No sewing required.

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #5510 on: August 21, 2018, 07:46:52 PM »
Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.

Only sometimes, unfortunately.  Many service providers allow automatic bill pay, but that has to be set up on their end, not from the bank's end.  Credit cards almost always allow this, and we also have our electric bill set up this way.  Other recurring payments can be set up through the bank, but only if the payment amount is exactly the same every month.  We pay our rent this way.  However, our gas/heating bill does not have an auto-pay set up available on their end, and since the payment varies month to month, we can't set it up from the bank side.  We have to set up each payment individually after we receive the bill amount.  It's archaic and idiotic.

Where the heck do you live in the US because other than for about a year when I was living in Rural Georgia I've never had a utility not be able to accept auto-pay

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #5511 on: August 22, 2018, 01:02:39 AM »
Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.

Only sometimes, unfortunately.  Many service providers allow automatic bill pay, but that has to be set up on their end, not from the bank's end.  Credit cards almost always allow this, and we also have our electric bill set up this way.  Other recurring payments can be set up through the bank, but only if the payment amount is exactly the same every month.  We pay our rent this way.  However, our gas/heating bill does not have an auto-pay set up available on their end, and since the payment varies month to month, we can't set it up from the bank side.  We have to set up each payment individually after we receive the bill amount.  It's archaic and idiotic.

Where the heck do you live in the US because other than for about a year when I was living in Rural Georgia I've never had a utility not be able to accept auto-pay
Here in the UK not only do utility companies accept automatic payments, but they give you quite a decent discount for paying that way as it saves them so much effort in chasing debts.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5512 on: August 22, 2018, 01:47:36 AM »
Yesterday, I noticed a whole in my favorite jeans. This morning, I tried to figure what to wear as my other pair of jeans just isn't as comfy and have smaller pockets then I'd like. I was happy to find another pair of black jeans in my closet and put them on. Turns out, it has a similar hole that I noticed as soon as I went to the bathroom (thank god before I headed to work) and that was why it was so tucked away in the closet :(. As I never go shopping out of shopping hate (this extends to online shopping) I literally didn't have any other jeans to wear to work.

So less-comfy jeans there we go.

Is a hole between the thighs? In that case you can repair it. Just stitch a piece of cloth on the inside covering the hole and then stitch crisscross many times over the hole. Then you can wear your trousers a couple of months longer.

That was my intention, hence I had kept the older jeans. Just forgotten about them. Plus I'm not much of a sewing hero so kind of hesitant to try. But I'll force myself to do it some time! Now I have 2 pairs of jeans to practice :')

I am also everything but a sewing hero and I managed it on one of my trousers.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #5513 on: August 22, 2018, 05:54:32 AM »
Don't you Americans have systems in your bank that can pay your bills automatically? I have that on all bills that come regularly. That saves so much hassle. I get an email about each one to inform me.

Only sometimes, unfortunately.  Many service providers allow automatic bill pay, but that has to be set up on their end, not from the bank's end.  Credit cards almost always allow this, and we also have our electric bill set up this way.  Other recurring payments can be set up through the bank, but only if the payment amount is exactly the same every month.  We pay our rent this way.  However, our gas/heating bill does not have an auto-pay set up available on their end, and since the payment varies month to month, we can't set it up from the bank side.  We have to set up each payment individually after we receive the bill amount.  It's archaic and idiotic.

Where the heck do you live in the US because other than for about a year when I was living in Rural Georgia I've never had a utility not be able to accept auto-pay

Greater Philadelphia area.  I said it's archaic and idiotic, there's no excuse not to be able to set up auto-pay in this day and age.  And yet, here we are.

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #5514 on: August 22, 2018, 08:34:43 AM »
Yesterday, I noticed a whole in my favorite jeans. This morning, I tried to figure what to wear as my other pair of jeans just isn't as comfy and have smaller pockets then I'd like. I was happy to find another pair of black jeans in my closet and put them on. Turns out, it has a similar hole that I noticed as soon as I went to the bathroom (thank god before I headed to work) and that was why it was so tucked away in the closet :(. As I never go shopping out of shopping hate (this extends to online shopping) I literally didn't have any other jeans to wear to work.

So less-comfy jeans there we go.

Is a hole between the thighs? In that case you can repair it. Just stitch a piece of cloth on the inside covering the hole and then stitch crisscross many times over the hole. Then you can wear your trousers a couple of months longer.

That was my intention, hence I had kept the older jeans. Just forgotten about them. Plus I'm not much of a sewing hero so kind of hesitant to try. But I'll force myself to do it some time! Now I have 2 pairs of jeans to practice :')

I am also everything but a sewing hero and I managed it on one of my trousers.
Or recycle them - I made a very nice bow tie from some striped trousers of my then girlfriend!

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5515 on: August 22, 2018, 01:13:50 PM »
I'm pretty good at sewing, I make most of my own clothes, but repairing jeans on the inside of the leg just doesn't work for me. I know how to do it, and I try to, but they rip again after wearing them one or two times. I think it's because there's such a large part of the fabric that's completely worn out (larger than my hand usually) the interfacing just has nothing to hold on to. The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.

What I do with old jeans is I cut them up in strips and squares and use them to make quilts! You can make very nice, warm, easily washable blankets from old jeans. My denim quilts are on our own bed and the guest bed and they're popular with everyone who's tried them. I get to make a lot of them now because several people give me their old jeans, including a family with 4 teenage boys.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #5516 on: August 22, 2018, 04:32:29 PM »
I'm pretty good at sewing, I make most of my own clothes, but repairing jeans on the inside of the leg just doesn't work for me. I know how to do it, and I try to, but they rip again after wearing them one or two times. I think it's because there's such a large part of the fabric that's completely worn out (larger than my hand usually) the interfacing just has nothing to hold on to. The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.

What I do with old jeans is I cut them up in strips and squares and use them to make quilts! You can make very nice, warm, easily washable blankets from old jeans. My denim quilts are on our own bed and the guest bed and they're popular with everyone who's tried them. I get to make a lot of them now because several people give me their old jeans, including a family with 4 teenage boys.
Do you specifically only use real denim, or do you also use the so-called denim that stretches?

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5517 on: August 23, 2018, 01:38:23 AM »
I'm pretty good at sewing, I make most of my own clothes, but repairing jeans on the inside of the leg just doesn't work for me. I know how to do it, and I try to, but they rip again after wearing them one or two times. I think it's because there's such a large part of the fabric that's completely worn out (larger than my hand usually) the interfacing just has nothing to hold on to. The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.

What I do with old jeans is I cut them up in strips and squares and use them to make quilts! You can make very nice, warm, easily washable blankets from old jeans. My denim quilts are on our own bed and the guest bed and they're popular with everyone who's tried them. I get to make a lot of them now because several people give me their old jeans, including a family with 4 teenage boys.

This is cool, Imma.  What do you put inside the quilt/between the denim layers? 

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Re: Mustachian People Problems (just for fun)
« Reply #5518 on: August 23, 2018, 03:08:19 AM »
The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.


I was concerned that I was wearing jeans out faster than I'd like: the culprit was a rough edge on my (cheap) saddle. I smoothed it down... and then the bike was stolen the next day so I have no idea if it would have worked or not.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5519 on: August 23, 2018, 03:39:53 AM »
I'm pretty good at sewing, I make most of my own clothes, but repairing jeans on the inside of the leg just doesn't work for me. I know how to do it, and I try to, but they rip again after wearing them one or two times. I think it's because there's such a large part of the fabric that's completely worn out (larger than my hand usually) the interfacing just has nothing to hold on to. The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.

What I do with old jeans is I cut them up in strips and squares and use them to make quilts! You can make very nice, warm, easily washable blankets from old jeans. My denim quilts are on our own bed and the guest bed and they're popular with everyone who's tried them. I get to make a lot of them now because several people give me their old jeans, including a family with 4 teenage boys.

This is cool, Imma.  What do you put inside the quilt/between the denim layers?

Mostly just cheap, ugly fleece blankets that only cost a few Ä. The discount area at IKEA is one of my favourite places to get them.  For special quilts I sometimes use real quilt batting, but it's a lot more expensive and not always easy to wash. What I really like about working with denim is that every piece of fabric has a slightly different colour, so even a very simple pattern will look special.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5520 on: August 23, 2018, 03:56:47 AM »
I'm pretty good at sewing, I make most of my own clothes, but repairing jeans on the inside of the leg just doesn't work for me. I know how to do it, and I try to, but they rip again after wearing them one or two times. I think it's because there's such a large part of the fabric that's completely worn out (larger than my hand usually) the interfacing just has nothing to hold on to. The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.

What I do with old jeans is I cut them up in strips and squares and use them to make quilts! You can make very nice, warm, easily washable blankets from old jeans. My denim quilts are on our own bed and the guest bed and they're popular with everyone who's tried them. I get to make a lot of them now because several people give me their old jeans, including a family with 4 teenage boys.

This is cool, Imma.  What do you put inside the quilt/between the denim layers?

Mostly just cheap, ugly fleece blankets that only cost a few Ä. The discount area at IKEA is one of my favourite places to get them.  For special quilts I sometimes use real quilt batting, but it's a lot more expensive and not always easy to wash. What I really like about working with denim is that every piece of fabric has a slightly different colour, so even a very simple pattern will look special.

Thanks!

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #5521 on: August 23, 2018, 08:36:25 AM »
I'm pretty good at sewing, I make most of my own clothes, but repairing jeans on the inside of the leg just doesn't work for me. I know how to do it, and I try to, but they rip again after wearing them one or two times. I think it's because there's such a large part of the fabric that's completely worn out (larger than my hand usually) the interfacing just has nothing to hold on to. The pattern of wear is probably different for every person, it has to do with the way your legs are shaped and where they rub together or rub an object. I know it has to do with cycling in my case.

What I do with old jeans is I cut them up in strips and squares and use them to make quilts! You can make very nice, warm, easily washable blankets from old jeans. My denim quilts are on our own bed and the guest bed and they're popular with everyone who's tried them. I get to make a lot of them now because several people give me their old jeans, including a family with 4 teenage boys.

I'm not surprised people love them. Have you heard of those weighted blankets people love so much? I recently got to stay a couple night under one, and holy cow it's neat! Given the weight of denim, I bet it works similarly- I love a good heavy quilt, and denim would have good weight with little bulk.

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Re: Mustachian People Problems (just for fun)
« Reply #5522 on: August 23, 2018, 11:55:42 PM »

My parents have helped my sisters financially but not me since I didn't need it.

I didn't gain anything from reading a Dave Ramsey book and saw that I was saving more money than he suggested (lots of my coworkers are big Dave Ramsey fans).

The first one happens a lot.

People tend to give a lot of financial advice when we happen to mention travelling full time. Dave Ramsey is not going to help anyone retire in their 40s (or before 40, in my husband's case) to travel the world, no matter how much he has helped my cousin get out of debt.

DH was on track to contribute so much to after tax 401K that he wouldn't have been able to max out pre tax and get full match for the year. Evidently, the new paychecks will finally cover expenses and we need to figure out what to do with our taxable savings again.









Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5523 on: August 24, 2018, 02:10:02 AM »
I seldom buy lunch at the office. Today I went there to pick up the fruit basket for my department and I saw they has brownie that looked very tempting. I checked the balance on my card (which is on my door card, so I'm always wearing it) and it still had a high balance on it. Then I was tempted to buy a piece. I selected "cake" on the screen and the screen didn't make a beep and didn't make a visible move. So I press once more. Then I remember that, maybe it was registered after all. And indeed, my cake was there. So I press "pay" and then find out I paid for 2 brownies. The cafeteria personnel could not undo the transaction. I was encouraged to take two, as I had paid for it.
The price for 2 pieces of brownies is about the price of a whole package of ready-to-go brownie mixture in the shop.
So, 3 1/2 USD splurged on brownie today. At least, the 2 pieces tasted well.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #5524 on: August 27, 2018, 02:06:31 PM »
I checked the online bank, and it is clear that DH is heading for a (bipolar) high. The last few days he has used his card at 7 different grocery stores, and two hardware stores. But it is difficult for me to explain, and him to understand, why it is important to stop this shopping spree when the total spent is less than $40, and everything is stuff we need.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5525 on: August 27, 2018, 07:17:19 PM »
I checked the online bank, and it is clear that DH is heading for a (bipolar) high. The last few days he has used his card at 7 different grocery stores, and two hardware stores. But it is difficult for me to explain, and him to understand, why it is important to stop this shopping spree when the total spent is less than $40, and everything is stuff we need.

"Because while we needed this stuff, and it was only $40 total, that doesn't mean that the PATTERN is healthy."

Is he medicated? Can you communicate with him/dr the coming high?

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #5526 on: August 28, 2018, 12:06:06 AM »
I checked the online bank, and it is clear that DH is heading for a (bipolar) high. The last few days he has used his card at 7 different grocery stores, and two hardware stores. But it is difficult for me to explain, and him to understand, why it is important to stop this shopping spree when the total spent is less than $40, and everything is stuff we need.

"Because while we needed this stuff, and it was only $40 total, that doesn't mean that the PATTERN is healthy."

Is he medicated? Can you communicate with him/dr the coming high?

Yep; heading for the shrink today :)

I am (slowly) getting through to him. But in the middle of the stress of bipolarity, it is a relief that frugality is getting so ingrained that a spending spree is just a few bucks. In my world, this is a big win!

Sun Hat

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Re: Mustachian People Problems (just for fun)
« Reply #5527 on: August 29, 2018, 07:03:14 AM »
... in the middle of the stress of bipolarity, it is a relief that frugality is getting so ingrained that a spending spree is just a few bucks. In my world, this is a big win!

@gaja, I'm so happy for you that you're winning this battle! I've heard stories about my BIL's father's spending when he's on a manic high, and it's heartbreaking. It's good to know that communication and vigilance can help build better habits even under the stress of bipolar disorder.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5528 on: August 29, 2018, 07:28:44 AM »
I checked the online bank, and it is clear that DH is heading for a (bipolar) high. The last few days he has used his card at 7 different grocery stores, and two hardware stores. But it is difficult for me to explain, and him to understand, why it is important to stop this shopping spree when the total spent is less than $40, and everything is stuff we need.

"Because while we needed this stuff, and it was only $40 total, that doesn't mean that the PATTERN is healthy."

Is he medicated? Can you communicate with him/dr the coming high?

Yep; heading for the shrink today :)

I am (slowly) getting through to him. But in the middle of the stress of bipolarity, it is a relief that frugality is getting so ingrained that a spending spree is just a few bucks. In my world, this is a big win!

Thank goodness for doctors and effective medications. Wish everyone were as on top of things as you are! Hope the meds, whatever they are, work efficiently to smooth the ride. (My neighbor is dx'd bipolar, causing havoc, I need to go file a police report, just spent $1500 on a camera system to document her brand of crazy, will end up with a restraining order at some point is my guess)

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #5529 on: August 30, 2018, 07:14:59 AM »
Thank you for the kind comments!

We are very happy with the current medications and psychological help. It was much more challenging before he got the diagnosis, especially when he was put on anti depressants that triggered mania. But since his mania of choice is diy, the cost has never been crazy high, and a lot of the stuff can be sold for good prices afterwards. Our biggest problem has really been the aftermaths of the highs, because the low periods can be so full of anxiety that post goes unopened and bills go unpaid. We have agreed that bills and budgeting is my job, so it is almost never an issue anymore.

He is closer to a type 2, that a type 1, but based on family history that can change. I really hope we will avoid psychosis. A neighbor got that, and their spouse got into trouble because they didnít have access to all the personal accounts. I think I can keep us floating for a long time on my income, but am considering getting some sort of signed power of attorney, just in case.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5530 on: August 30, 2018, 09:21:07 PM »
The only thing I hate more than selling things on Craigslist is the idea of throwing out functional things. They just aren't functional for our needs.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5531 on: August 31, 2018, 02:52:25 AM »
I currently have a state pension where my employer and me pay a fixed percentage of my salary to the pension fund. My employer is now introducing a new pension, that pays in 7% of your income up to a certain amount and 20% over that amount. My salary is normally about 10% above that limit. Those percentages are about the highest you can get in Norway for that type of pension. Most companies do 5% - 8%. And the worst only 2% - 3%.

From next month I will be working only 80%, which is to save my health and sanity. Then my salary will drop by 20% and I will not reach that amount to receive the 20% pension. :-(

At least, it won't be for long hopefully, as I hope to FIRE in 2019 or 2020.
« Last Edit: September 03, 2018, 12:10:48 AM by Linda_Norway »

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5532 on: August 31, 2018, 08:35:32 AM »
I currently have a state pension where my employer and me pay a fixed percentage of my salary to the pension fund. My employer is now introducing a new pension, that pays in 7% of your income up to a certain amount and 20% over that amount. My salary is normally about 10% above that limit. Those percentages are about the highest you can get in Norway for that type of pension. Most companies do 5% - 8%. And the wordt only 2% - 3%.

From next month I will be working only 80%, which is to save my health and sanity. Then my salary will drop by 20% and I will not reach that amount to receive the 20% pension. :-(

At least, it won't be for long hopefully, as I hope to FIRE in 2019 or 2020.

Your pension benefit increases as a percentage as you earn more?

lemanfan

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Re: Mustachian People Problems (just for fun)
« Reply #5533 on: August 31, 2018, 11:37:35 PM »
Your pension benefit increases as a percentage as you earn more?

We have a similar situation in Sweden. For white-collar pension setups the employer contribution is normally (or "often but not always") 4,5% of the salary up to a certain point, and 30% of the salary above that.  The reason for this "knee" in the curve is that the public pension system built in to the tax system stops adding more pension benefits at that knee. So to "ensure" that people get a pension that is closer to a certain percentage of their working income, the employer contributions increase when the public pension stops increasing.

The reason why I said "most but not always" is that this is based on the collective bargaining agreement in place for white collar jobs here in Sweden and companies who are not a part of those agreement often follow that model anyway.  Blue collar unions have negotiated a slightly different setup for them if I understand correctly.

So the total salary cost for an employer in Sweden is typically:

- Normal pre-tax salary (which is taxed between 30% and 58% before it reaches the person)
- "Social fees" or "Employer fees" or 31,42% of the pre-tax salary (this includes the tax based pension contributions)
- Pension contributions of at least 4,5% of the pre-tax salary to private solutions, typically in insurance companies where the employee can select his own funds to invest in.

This means that for a high earner, an increase in base salary of 1000 SEK will cost the employer 1000 + 314 + 300 = 1614 SEK, while only 420 SEK will end up in the bank account of the employee (and 300 in their pension account, less fees from the insurance companies)

Then there are other more hidden costs for the employer like vacation rights (minimum 5 weeks / year), illness (where the employer pays for the first two weeks, basically and then the government takes over) and a bunch of more or less mandatory insurances.

( For any swedes reading this, the model I refer to is the defined contribution model of ITP1.  If you're old enough and work at a company that uses the defined benefit-model of ITP2, the employer contributions to the pension system can be significantly higher.  )
« Last Edit: August 31, 2018, 11:40:06 PM by lemanfan »

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #5534 on: September 05, 2018, 07:40:31 AM »
Hereís an MPP that just crossed my mind today:

In 2015, I selected my username as a reminder that I wanted to FIRE in 5 years (i.e., 2020). Unfortunately, through hanging out on this forum, Iíve learned so many ways to increase investment income, successfully ask for raises, and minimize expenses, that our net worth has grown exponentially especially over the last couple years, and we are now on track to FIRE in four years.

You guys made my username a lie. You made me a liar. Thanks a lot.

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #5535 on: September 05, 2018, 07:51:54 AM »
Hereís an MPP that just crossed my mind today:

In 2015, I selected my username as a reminder that I wanted to FIRE in 5 years (i.e., 2020). Unfortunately, through hanging out on this forum, Iíve learned so many ways to increase investment income, successfully ask for raises, and minimize expenses, that our net worth has grown exponentially especially over the last couple years, and we are now on track to FIRE in four years.

You guys made my username a lie. You made me a liar. Thanks a lot.

This is a good one! Definitely a MPP =D

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #5536 on: September 05, 2018, 11:00:24 AM »
Hereís an MPP that just crossed my mind today:

In 2015, I selected my username as a reminder that I wanted to FIRE in 5 years (i.e., 2020). Unfortunately, through hanging out on this forum, Iíve learned so many ways to increase investment income, successfully ask for raises, and minimize expenses, that our net worth has grown exponentially especially over the last couple years, and we are now on track to FIRE in four years.

You guys made my username a lie. You made me a liar. Thanks a lot.

Well it's 2018 so 4 years is 2022 and 2023 is 5. With a permanent name based on a modifier to the calendar and a moving calendar your name was always going to end up a lie unless you're always planning just five more years until you die. Better just get a new account with the year in it so you can accurately place the blame next time ;)

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #5537 on: September 05, 2018, 11:13:23 AM »
Hereís an MPP that just crossed my mind today:

In 2015, I selected my username as a reminder that I wanted to FIRE in 5 years (i.e., 2020). Unfortunately, through hanging out on this forum, Iíve learned so many ways to increase investment income, successfully ask for raises, and minimize expenses, that our net worth has grown exponentially especially over the last couple years, and we are now on track to FIRE in four years.

You guys made my username a lie. You made me a liar. Thanks a lot.

Well it's 2018 so 4 years is 2022 and 2023 is 5. With a permanent name based on a modifier to the calendar and a moving calendar your name was always going to end up a lie unless you're always planning just five more years until you die. Better just get a new account with the year in it so you can accurately place the blame next time ;)

Just update the username each year to make a countdown:
Freedomin5
Freedomin54
Freedomin543
Freedomin5432
Freedomin54321
Freedom!

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5538 on: September 05, 2018, 01:46:03 PM »
Got gifted a few packs of holiday themed paper napkins by a relative.
Packed my boyfriend's lunch and since it was something sticky I put a paper napkin in his lunchbox.
He takes the unused napkin home saying he didn't need it because he could wash his hands at work and use a fabric towel.
How am I going to use all of those free paper napkins if we're too frugal to waste them????

( will take a pack with us when we're going on a trip in a few weeks).

techwiz

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Re: Mustachian People Problems (just for fun)
« Reply #5539 on: September 05, 2018, 02:06:44 PM »

How am I going to use all of those free paper napkins if we're too frugal to waste them????

Google some cool paper napkin craft ideas.... you might have to wait until holiday season to use some of the ideas, but that gives you lots of time to practice that should used them up.  Also check out Napkin Decoupage.
   

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5540 on: September 05, 2018, 03:07:26 PM »

How am I going to use all of those free paper napkins if we're too frugal to waste them????

Google some cool paper napkin craft ideas.... you might have to wait until holiday season to use some of the ideas, but that gives you lots of time to practice that should used them up.  Also check out Napkin Decoupage.
   

Napkin decoupage is what the relative who gave them does. She buys the napkins for the pattern, then uses two or three and doesn't need the rest of the pack. But I googled it again and still got some good ideas. Thanks! I haven't done napkin decoupage in about 20 years.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #5541 on: September 19, 2018, 03:10:37 AM »
I found some jeans on the street. I took them home, washed them at 90 and tumble dried, and put them on this morning. They are the most divinely comfortable jeans I have ever owned, and just the style and colour I would have tried to buy (and have proper pockets!). People are sure to ask where I got them from. Including my husband. Help!

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5542 on: September 19, 2018, 03:24:22 AM »
I found some jeans on the street. I took them home, washed them at 90 and tumble dried, and put them on this morning. They are the most divinely comfortable jeans I have ever owned, and just the style and colour I would have tried to buy (and have proper pockets!). People are sure to ask where I got them from. Including my husband. Help!

"I picked them up at this little spot on X street" ?   "I picked them up second hand" ?

This is a great MPP, @shelivesthedream -- fabulous!   


Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5543 on: September 19, 2018, 05:21:28 AM »
I found some jeans on the street. I took them home, washed them at 90 and tumble dried, and put them on this morning. They are the most divinely comfortable jeans I have ever owned, and just the style and colour I would have tried to buy (and have proper pockets!). People are sure to ask where I got them from. Including my husband. Help!

This made my day!

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #5544 on: September 19, 2018, 05:25:58 AM »
Mr SLTD: What if they're infested with heroin?!?
Me: Raises eyebrow.

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #5545 on: September 19, 2018, 06:23:30 AM »
I found some jeans on the street. I took them home, washed them at 90 and tumble dried, and put them on this morning. They are the most divinely comfortable jeans I have ever owned, and just the style and colour I would have tried to buy (and have proper pockets!). People are sure to ask where I got them from. Including my husband. Help!

That is the best luck I've ever heard of, congratulations :)

All of my most comfortable jeans have been second or third hand, honestly.  There must be a few people out there built almost exactly like me who break them in perfectly first, then give them away.

Mr SLTD: What if they're infested with heroin?!?
Me: Raises eyebrow.

My DH would definitely be convinced they were full of bedbugs and used needles, no matter how well I washed them.  He might even call them "your bedbug pants". 

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #5546 on: September 19, 2018, 01:43:44 PM »
Mr SLTD: What if they're infested with heroin?!?
Me: Raises eyebrow.

That would explain the enthusiasm about them!

merula

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Re: Mustachian People Problems (just for fun)
« Reply #5547 on: September 19, 2018, 02:10:37 PM »
I found some jeans on the street. I took them home, washed them at 90 and tumble dried, and put them on this morning. They are the most divinely comfortable jeans I have ever owned, and just the style and colour I would have tried to buy (and have proper pockets!). People are sure to ask where I got them from. Including my husband. Help!

"They were a gift." Because they were, the universe gifted you supremely comfortable jeans.

a-scho

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Re: Mustachian People Problems (just for fun)
« Reply #5548 on: September 20, 2018, 12:01:29 AM »
I am now the reluctant owner of a homemade 16 piece carrot cake with cream cheese frosting because the entire homemade cake cost me 2.28 versus one slice of a grocery store version at 2.50.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5549 on: September 20, 2018, 03:37:51 AM »
I am now the reluctant owner of a homemade 16 piece carrot cake with cream cheese frosting because the entire homemade cake cost me 2.28 versus one slice of a grocery store version at 2.50.

Ooh.  Can you take it to work?  That's my usual default solution with desserts, leftover Halloween candy, etc.