Author Topic: Mustachian People Problems (just for fun)  (Read 1817588 times)

aGracefulStomp

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Re: Mustachian People Problems (just for fun)
« Reply #5650 on: October 14, 2018, 02:50:13 AM »
Your balance after a 50% drop in the stock market brings you back fond memories.

haha i laughed out loud at that one.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5651 on: October 15, 2018, 07:41:24 AM »
I have 27k+ points for SAS Eurobonus that start expiring in January. But I've stopped flying privately for environmental reasons, and can't get myself to break that habit even for a free trip. The stuff in the Eurobonus shop is overpriced stuff I don't need. Maybe I can find a christmas gift for someone there, except we have almost stopped giving gifts between family and friends...

Familiar problem. I usually use Norwegian, where at least you can get cash points that you can use at your next order. And I fly on once or twice a year with them.

Good for you for not flying anymore. I am not there yet, although I do not want to fly outside Europe for environmental reasons, and I spend most of my vacations in Norway, by car.

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #5652 on: October 15, 2018, 04:10:43 PM »
I started doing some freelance consulting work as I'm looking for a new job after a move.

My MP (not really a people problem):  I can't take advantage of most of the great self-employed tax deductions for home office, computer, etc. because I don't actually need to buy anything.

I guess I could tally up my work-related cell phone calls.  That might be a $20-$30 deduction if I put the time into it.

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #5653 on: October 15, 2018, 05:00:12 PM »
I started doing some freelance consulting work as I'm looking for a new job after a move.

My MP (not really a people problem):  I can't take advantage of most of the great self-employed tax deductions for home office, computer, etc. because I don't actually need to buy anything.

I guess I could tally up my work-related cell phone calls.  That might be a $20-$30 deduction if I put the time into it.

My partner has the same problem! He didn't spend a cent starting his business. He does everything via email and works 100% from home in his pajamas. No phone calls. No transportation. No expenses associated with meeting clients. No professional dues or membership fees. So far he's been doing it for half a year and his expenses have been a copy of Microsoft office and $10/month for Kindle Unlimited. We'll claim a small portion of our (already low) rent come tax time, and that's about it.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5654 on: October 15, 2018, 05:09:21 PM »
It is that time of year when payroll deduction programs are all about to be maxed out, bonuses are coming in and we begin to stress about doing The Right Thing with our disposable income. Last year we paid off student loans, after weeks of discussion. CD rates just don't seem to justify tying up the funds, so it will probably be split between high yield savings and ETFs, but we spend more time discussing our money this time of year than the other 10 months combined. Even tax season is less stressful because you are just filling out forms, the decisions were already made, usually during October and November, when we are researching how to be most responsible with our money.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #5655 on: October 17, 2018, 10:27:05 PM »
I just spent about 35 minutes with a spreadsheet, some algebra, and five months of credit card statements figuring out which businesses at which I made purchases weren't getting properly credited for the 3% categories on my credit card. (It didn't list the categories, so I had to figure it out based on eliminating the businesses that were properly credited in the past and then figuring out which of the remaining purchases added up to a certain number.)

I assume there's nothing I can do to actually fix the categories, but if I know which businesses are miscategorized I can use my 2% card instead of using the 3%/1% card which miscategorizes them as a category that gets 1%.

Net profit on this is probably $3 a year... :-P  But it felt good, damnit.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5656 on: October 18, 2018, 01:30:18 AM »
I just spent about 35 minutes with a spreadsheet, some algebra, and five months of credit card statements figuring out which businesses at which I made purchases weren't getting properly credited for the 3% categories on my credit card. (It didn't list the categories, so I had to figure it out based on eliminating the businesses that were properly credited in the past and then figuring out which of the remaining purchases added up to a certain number.)

I assume there's nothing I can do to actually fix the categories, but if I know which businesses are miscategorized I can use my 2% card instead of using the 3%/1% card which miscategorizes them as a category that gets 1%.

Net profit on this is probably $3 a year... :-P  But it felt good, damnit.

If they are small businesses, you may be able to talk to.them about how they are registered with card companies.

We had a chain grocery store that had never registered as a grocery store and we didn't catch it for months. They were still.the cheapest around, though.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #5657 on: October 18, 2018, 02:01:19 AM »
If they are small businesses, you may be able to talk to.them about how they are registered with card companies.

None of them are small enough for that, I'd guess. The only one I buy from regularly is a big international corporation that is publicly traded on the NYSE, so I assume they're very unlikely to listen to some rando emailing them about 35 cents in credit card rewards. :-)

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5658 on: October 18, 2018, 04:49:35 AM »
If they are small businesses, you may be able to talk to.them about how they are registered with card companies.

None of them are small enough for that, I'd guess. The only one I buy from regularly is a big international corporation that is publicly traded on the NYSE, so I assume they're very unlikely to listen to some rando emailing them about 35 cents in credit card rewards. :-)

Maybe if you sent it to them in the form of a silly picture?

LV

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5659 on: October 18, 2018, 08:33:58 AM »
If they are small businesses, you may be able to talk to.them about how they are registered with card companies.

None of them are small enough for that, I'd guess. The only one I buy from regularly is a big international corporation that is publicly traded on the NYSE, so I assume they're very unlikely to listen to some rando emailing them about 35 cents in credit card rewards. :-)

Maybe if you sent it to them in the form of a silly picture?

LV

Interpretive dance on social media?

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #5660 on: October 25, 2018, 01:30:31 AM »
It's almost 11.11, also known as Singles Day (Nov. 11) in China, which is a huge shopping day -- I guess retail therapy makes people feel less sad that they're still single. My MPP is that I can't think of a single thing I want to buy to take advantage of all these deals. I need to spend around $100 on Taobao (online shopping platform similar to eBay but bigger and better) to get a $20 discount.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5661 on: October 25, 2018, 04:56:29 AM »
Company is spinning to a new company June of 2019 and they are starting an HSA where they give you $600 for the HSA each year.  I have had an HSA for years with no company funds added.

I plan to retire at or before May 2019, so I will never see that money. 

radram

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Re: Mustachian People Problems (just for fun)
« Reply #5662 on: October 25, 2018, 06:23:18 AM »
1 month after my first daughter started state college last year, they announced a new grant program, offering 4 years of paid tuition for incoming freshmen and transfer students, beginning the following year. Qualified applicants needed to meet family maximum income requirements, which we do as a FIRE family. The program apparently used no taxpayer dollars.

In order to qualify, my daughter would have had to transfer schools mid-semester and take a minimum amount of credits second semester to remain a freshman. Another problem: due to her taking AP classes all through high school, she was considered a sophomore after the first semester, so she would have had to withdraw out of just enough classes to remain a freshman, but not too many to qualify for a transfer to another school. All this would lead to a 1 year delay in her degree, probably costing more in lost income than the tuition savings.

On top of all that, we have been contributing $3,000 per year to her 529 plan that has grown to enough funds for 4 years of state tuition, room and board, so she doesn't need the free tuition anyway.


Cookie78

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Re: Mustachian People Problems (just for fun)
« Reply #5663 on: October 25, 2018, 10:57:28 AM »
Just got a letter form CRA about a readjustment due to pension buyback. My total contribution room for 2018 RRSP is now $269.... That's not going to help a lot when I go do my taxes for 2018! lol The downside of working hard to max everything out I guess.

Also, good thing I hadn't contributed anything yet this year. I don't know how much of a hassle that would have been to sort out.

El Jacinto

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Re: Mustachian People Problems (just for fun)
« Reply #5664 on: October 26, 2018, 02:29:30 PM »
1 month after my first daughter started state college last year, they announced a new grant program, offering 4 years of paid tuition for incoming freshmen and transfer students, beginning the following year. Qualified applicants needed to meet family maximum income requirements, which we do as a FIRE family. The program apparently used no taxpayer dollars.

In order to qualify, my daughter would have had to transfer schools mid-semester and take a minimum amount of credits second semester to remain a freshman. Another problem: due to her taking AP classes all through high school, she was considered a sophomore after the first semester, so she would have had to withdraw out of just enough classes to remain a freshman, but not too many to qualify for a transfer to another school. All this would lead to a 1 year delay in her degree, probably costing more in lost income than the tuition savings.

On top of all that, we have been contributing $3,000 per year to her 529 plan that has grown to enough funds for 4 years of state tuition, room and board, so she doesn't need the free tuition anyway.

This is something I worry about. I plan to put $200/month into my son's 529 when he is born but would really hate to pay extra taxes (and maybe even penalties) on that money if college is free or he can get college paid for some other way. My state offers free tuition to community college as it is. I might just be better off putting that money into my retirement fund and cash-flowing his college in 18 years instead.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #5665 on: October 26, 2018, 03:16:30 PM »
1 month after my first daughter started state college last year, they announced a new grant program, offering 4 years of paid tuition for incoming freshmen and transfer students, beginning the following year. Qualified applicants needed to meet family maximum income requirements, which we do as a FIRE family. The program apparently used no taxpayer dollars.

In order to qualify, my daughter would have had to transfer schools mid-semester and take a minimum amount of credits second semester to remain a freshman. Another problem: due to her taking AP classes all through high school, she was considered a sophomore after the first semester, so she would have had to withdraw out of just enough classes to remain a freshman, but not too many to qualify for a transfer to another school. All this would lead to a 1 year delay in her degree, probably costing more in lost income than the tuition savings.

On top of all that, we have been contributing $3,000 per year to her 529 plan that has grown to enough funds for 4 years of state tuition, room and board, so she doesn't need the free tuition anyway.

This is something I worry about. I plan to put $200/month into my son's 529 when he is born but would really hate to pay extra taxes (and maybe even penalties) on that money if college is free or he can get college paid for some other way. My state offers free tuition to community college as it is. I might just be better off putting that money into my retirement fund and cash-flowing his college in 18 years instead.

For a scholarship, You can get the money out without paying the penalty, but the withdrawal will be considered income for the year. Of course, an IRA has the same benefit.


From saving for college website:

2.   You can avoid the penalty if you get a college scholarship.
There are a few special exceptions to the 10% penalty rule, including when the beneficiary becomes incapacitated, attends a U.S. Military Academy or gets a scholarship. In the case of a scholarship, non-qualified withdrawals up to the amount of the tax-free scholarship can be taken out penalty-free, but you'll have to pay income tax on the earnings. As Savingforcollege.com founder Joe Hurley likes to say, "the scholarships have turned your tax-free 529 investment into a tax-deferred 529 investment".

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #5666 on: October 26, 2018, 06:30:04 PM »
Sign,

Getting a letter from your mortgage company saying they miscalculated the escrow payment and your mortgage payment will be $0.12 less each month and having to deposit a refund check of $1.38.  Thank goodness for mobile deposit at least I just had to open my bank app and take some pictures not actually go to a branch.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #5667 on: October 26, 2018, 06:35:17 PM »
Sign,

Getting a letter from your mortgage company saying they miscalculated the escrow payment and your mortgage payment will be $0.12 less each month and having to deposit a refund check of $1.38.  Thank goodness for mobile deposit at least I just had to open my bank app and take some pictures not actually go to a branch.
Ha ha ha ha ha!!!  This one is my favorite now!

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #5668 on: October 27, 2018, 04:38:40 AM »
My favorite part of my current job is developing project ideas and applying for funding. The implementation phase is boring - so I'm completely happy to let other people do that part and take all the credit for the results. I do not need the fame and glory, since I have no career ambitions.

The MPP: One of my projects is nominated for a prize, and my coworkers and boss is trying to force me to attend the fancy dinner and be one of the people who receive the prize on the scene, and be on photos in newspapers. I would much rather spend that time at home, developing new project ideas or reading about new grant types. Luckily we are a organization run by politicians. I'm sure I can get one of them to go in my place. Boss might still need some convincing; maybe I could get a cold?

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5669 on: October 28, 2018, 08:39:22 PM »
One of my good friends is from a family that is basically pure gold. The mom just adopts everyone who might need adopting. I am one of those she's adopted. Problem is, they insist on getting me gifts for birthday and Christmas. Except, that things I would actually want (gift cards to home improvement stores, donated labor, etc) are not considered to be acceptable gifts. So I have no idea what to tell my friend, who has been delegated to find out. (She knows what I actually want, and told me that her mom would nix it. She gets it.)

So, what do I want for Christmas? I have no idea.

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #5670 on: October 28, 2018, 09:00:44 PM »
One of my good friends is from a family that is basically pure gold. The mom just adopts everyone who might need adopting. I am one of those she's adopted. Problem is, they insist on getting me gifts for birthday and Christmas. Except, that things I would actually want (gift cards to home improvement stores, donated labor, etc) are not considered to be acceptable gifts. So I have no idea what to tell my friend, who has been delegated to find out. (She knows what I actually want, and told me that her mom would nix it. She gets it.)

So, what do I want for Christmas? I have no idea.

something that only comes from a store with a no hassle return policy??

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #5671 on: October 28, 2018, 09:21:43 PM »
So, what do I want for Christmas? I have no idea.

What I do with my family (who are big on We Need To Buy You A Thing for the holidays) is experiences. Depending on how close you are with them you could make it a thing you all do together (a day at a museum, dinner out at your favorite restaurant, a cooking class, etc.) or a thing you can do on your own (concert or theater tickets, etc.). That way it's definitely a fun thing and not overly practical (which is what people like that object to) but you don't end up with something you don't need in your home that you have to pretend to like forever.

My other tactic is consumables: fancy chocolates, liquor/wine, etc. Stuff you'll enjoy that is fun, but won't be a thing that you own forever.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #5672 on: October 28, 2018, 10:58:49 PM »
I go for a fancypants version of something I would need anyway. Fancypants shower gel, fancypants food of some kind, fancypants socks. (Not fancypants pants, though!)

But awwww, that is a great MPP to have.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #5673 on: October 29, 2018, 05:47:01 AM »
(Not fancypants pants, though!)

he he he. you is funny :)

elliha

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Re: Mustachian People Problems (just for fun)
« Reply #5674 on: October 29, 2018, 07:22:03 AM »
Agree on asking for something edible or useful. I would go for chocolate or olive oil for editable and a nice shower gel for things I use.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #5675 on: October 29, 2018, 07:58:45 AM »
I got a notification at work that there was a change in the 401k funds. Sweet! There are a bunch of terrible options and relatively few index funds, let's see what's going on!

A Vanguard fund changed from the Plus share class to the lower-cost Select share class.

I got all excited for NOTHING.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #5676 on: October 29, 2018, 08:07:31 AM »
I got a notification at work that there was a change in the 401k funds. Sweet! There are a bunch of terrible options and relatively few index funds, let's see what's going on!

A Vanguard fund changed from the Plus share class to the lower-cost Select share class.

I got all excited for NOTHING.

We got a similar notice in the mail from my wife's retirement plan. Vanguard fund went from Admiral to Institutional. Wow, a 0.005% improvement! Maybe do something about your 0.5% administration fee first, because that 100x as bad!

Aelias

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Re: Mustachian People Problems (just for fun)
« Reply #5677 on: October 29, 2018, 08:11:43 AM »

So, what do I want for Christmas? I have no idea.

Have been working toward less consumerist gifting.  Here's some things I've found that work well:
-a book / game / movie they enjoyed in the past year.  Bonus points if it's second-hand
-a framed photo
-something they made.  I've gotten plenty of homemade foodstuffs, crocheted afghans, handmade thank you cards.  I've given homemade foodstuffs and paintings.
-Socks.  I can always use more socks.


Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5678 on: October 29, 2018, 09:03:21 AM »
Practical items don't qualify either. So socks (which I actually need) are out. I'll probably google the movies that came out this year, find one I want to see but haven't, and ask for that.

My family does practical items quite happily. So I can get socks from my mom.

Aelias

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Re: Mustachian People Problems (just for fun)
« Reply #5679 on: October 29, 2018, 09:55:18 AM »
I also have someone in my life who is averse to practical gift giving (but she's getting better!).  At some point, you may have resign yourself that the gift giving is at least as much about them as it is about you.  Whatever they give you, accept it graciously.  Use it if you can, or give it / donate it to someone who might appreciate it.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5680 on: October 29, 2018, 10:21:47 AM »
I also have someone in my life who is averse to practical gift giving (but she's getting better!).  At some point, you may have resign yourself that the gift giving is at least as much about them as it is about you.  Whatever they give you, accept it graciously.  Use it if you can, or give it / donate it to someone who might appreciate it.

Oh, I know. I actually return or donate most of what they give me without saying anything. The gifts aren't what I really value - it's the open door, the fact that I can ask if they can stop over to feed my cats when I'm going to be out late, etc.

Aelias

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Re: Mustachian People Problems (just for fun)
« Reply #5681 on: October 29, 2018, 10:37:04 AM »
I also have someone in my life who is averse to practical gift giving (but she's getting better!).  At some point, you may have resign yourself that the gift giving is at least as much about them as it is about you.  Whatever they give you, accept it graciously.  Use it if you can, or give it / donate it to someone who might appreciate it.

Oh, I know. I actually return or donate most of what they give me without saying anything. The gifts aren't what I really value - it's the open door, the fact that I can ask if they can stop over to feed my cats when I'm going to be out late, etc.

Aw, that's awesome!  Yay for good friends!

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #5682 on: October 31, 2018, 07:57:27 AM »
My 401k contribution is going into the market today. I was really hoping for one more day of downturn for an even better sale price, but the S&P 500 went up yesterday :( 

SheWhoWalksAtLunch

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Re: Mustachian People Problems (just for fun)
« Reply #5683 on: October 31, 2018, 08:30:22 AM »
Today was sudden-death "pick your health care plan for next year" day at work.  I work for a medium sized well-intentioned company, trying to do the right thing by its employees, that's changing plan providers this year.  I did some simple math, like MMMs do, and had questions.  So many questions.  Turns out I was the only employee to ask to see the "booklet" referenced but not included in the single-page pick-now document.  No one could find said document.  HR rep (forgive her, she wears many, many hats) put me on the phone with the insurance agent.  Also turns out, I know more about HSAs than the insurance agent. Aaaaarrgh!

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #5684 on: October 31, 2018, 08:47:31 AM »
The "cash-poor" season is beginning for me. For the last couple of months of the year, I will be setting aside cash to deploy immediately in the new year toward IRA and spousal IRA.  And, in the new year, I will be front-loading my 401k, with 60% of my gross paycheck going toward that, until the IRS maximum is reached.  I won't have decent cash-flow to play with until almost spring-time....


letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #5685 on: October 31, 2018, 09:01:23 AM »
meeting with work related retirement specialist who slowly , so slowly, explained compound interest to me.
I asked if she was acting as a fiduciary,
no...
but we do have these fidelity funds you can buy

I'm paying 0.12% now at vanguard, what is the cost?

a little over 2% but that's negligible

---I'm mad I did not politely walk out b4 end of her shpiel

LPG

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Re: Mustachian People Problems (just for fun)
« Reply #5686 on: October 31, 2018, 09:07:02 AM »
meeting with work related retirement specialist who slowly , so slowly, explained compound interest to me.
I asked if she was acting as a fiduciary,
no...
but we do have these fidelity funds you can buy

I'm paying 0.12% now at vanguard, what is the cost?

a little over 2% but that's negligible

---I'm mad I did not politely walk out b4 end of her shpiel

Oh, wow. What an obvious shyster!

I hear you on not politely walking out when you know something is over, but instead sticking around out of...politeness? Maybe out of some futile hope to find a way to make it work? It's tough to learn when to give up on something and head for the exits; something I'm certainly working on doing these days.

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #5687 on: October 31, 2018, 09:37:59 AM »
1 month after my first daughter started state college last year, they announced a new grant program, offering 4 years of paid tuition for incoming freshmen and transfer students, beginning the following year. Qualified applicants needed to meet family maximum income requirements, which we do as a FIRE family. The program apparently used no taxpayer dollars.

In order to qualify, my daughter would have had to transfer schools mid-semester and take a minimum amount of credits second semester to remain a freshman. Another problem: due to her taking AP classes all through high school, she was considered a sophomore after the first semester, so she would have had to withdraw out of just enough classes to remain a freshman, but not too many to qualify for a transfer to another school. All this would lead to a 1 year delay in her degree, probably costing more in lost income than the tuition savings.

On top of all that, we have been contributing $3,000 per year to her 529 plan that has grown to enough funds for 4 years of state tuition, room and board, so she doesn't need the free tuition anyway.

This is something I worry about. I plan to put $200/month into my son's 529 when he is born but would really hate to pay extra taxes (and maybe even penalties) on that money if college is free or he can get college paid for some other way. My state offers free tuition to community college as it is. I might just be better off putting that money into my retirement fund and cash-flowing his college in 18 years instead.
or start a trust in his name

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #5688 on: October 31, 2018, 09:39:08 AM »
getting my scholarship slashed bc I had too many assets (they were investments I scrimped and saved for while making $7/hr)

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5689 on: October 31, 2018, 10:50:04 AM »
My glasses broke 3 months before the purchase of new glasses was planned and now I probably won't reach my super ambitious savings goal for this year :( If the market goes down any more than this I will barely even make my mildly ambitious savings goal. (Of course I did meet the goal I set on Jan 1st, based on last year's savings, by the summer)

seanc0x0

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Re: Mustachian People Problems (just for fun)
« Reply #5690 on: October 31, 2018, 11:27:57 AM »
One of my good friends is from a family that is basically pure gold. The mom just adopts everyone who might need adopting. I am one of those she's adopted. Problem is, they insist on getting me gifts for birthday and Christmas. Except, that things I would actually want (gift cards to home improvement stores, donated labor, etc) are not considered to be acceptable gifts. So I have no idea what to tell my friend, who has been delegated to find out. (She knows what I actually want, and told me that her mom would nix it. She gets it.)

So, what do I want for Christmas? I have no idea.

I always suggest consumable treats in such circumstances. Depending on price range, a fancy bottle of rum, fancy cheese, wine, etc. Something I don't have to keep around too long and will enjoy savouring but that I probably wouldn't get for myself.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5691 on: October 31, 2018, 03:05:56 PM »
getting my scholarship slashed bc I had too many assets (they were investments I scrimped and saved for while making $7/hr)

Boo hisss.  I understand needs based, but hampering responsible is silly.

LV

Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #5692 on: October 31, 2018, 03:31:50 PM »
getting my scholarship slashed bc I had too many assets (they were investments I scrimped and saved for while making $7/hr)
Here, they would call that a bursary or a grant, not a scholarship.

 Scholarships here are solely based on merit (volunteer or academic) and not based on how much "need" you are assessed.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5693 on: October 31, 2018, 07:05:41 PM »
One of my good friends is from a family that is basically pure gold. The mom just adopts everyone who might need adopting. I am one of those she's adopted. Problem is, they insist on getting me gifts for birthday and Christmas. Except, that things I would actually want (gift cards to home improvement stores, donated labor, etc) are not considered to be acceptable gifts. So I have no idea what to tell my friend, who has been delegated to find out. (She knows what I actually want, and told me that her mom would nix it. She gets it.)

So, what do I want for Christmas? I have no idea.

I always suggest consumable treats in such circumstances. Depending on price range, a fancy bottle of rum, fancy cheese, wine, etc. Something I don't have to keep around too long and will enjoy savouring but that I probably wouldn't get for myself.

That would be lovely, except I eat to live, not live to eat. I'm more than happy with a tub of cool whip, baby carrots, and nilla wafers (literally).

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #5694 on: November 02, 2018, 02:04:22 PM »
My glasses broke 3 months before the purchase of new glasses was planned and now I probably won't reach my super ambitious savings goal for this year :( If the market goes down any more than this I will barely even make my mildly ambitious savings goal. (Of course I did meet the goal I set on Jan 1st, based on last year's savings, by the summer)

Do you not have access to something like Zenni Optical? My basic (reading glasses*) prescription was $19 for two pair, delivered.

Yes, I bought the cheapest frames and declined all the add-ons.

*Yes, I could use the $5 generic reading glasses from the store, but these give me better reading vision. Well worth it.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #5695 on: November 02, 2018, 03:19:30 PM »
My glasses broke 3 months before the purchase of new glasses was planned and now I probably won't reach my super ambitious savings goal for this year :( If the market goes down any more than this I will barely even make my mildly ambitious savings goal. (Of course I did meet the goal I set on Jan 1st, based on last year's savings, by the summer)

Do you not have access to something like Zenni Optical? My basic (reading glasses*) prescription was $19 for two pair, delivered.

Yes, I bought the cheapest frames and declined all the add-ons.

*Yes, I could use the $5 generic reading glasses from the store, but these give me better reading vision. Well worth it.

Please no.

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/21100/

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #5696 on: November 03, 2018, 05:04:45 AM »
AND......to get things Back On Topic...

My MPP today is that part of my job involves schmoozong and chitchatting and discussing the latest bands and movies and TV shows, but because I don’t watch TV or know the latest movies, my work life is now suffering. Recently, someone asked me what the most recent movie I watched was, and I said “Avatar”. They looked at me very sadly.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5697 on: November 03, 2018, 05:36:05 AM »
My glasses broke 3 months before the purchase of new glasses was planned and now I probably won't reach my super ambitious savings goal for this year :( If the market goes down any more than this I will barely even make my mildly ambitious savings goal. (Of course I did meet the goal I set on Jan 1st, based on last year's savings, by the summer)

Do you not have access to something like Zenni Optical? My basic (reading glasses*) prescription was $19 for two pair, delivered.

Yes, I bought the cheapest frames and declined all the add-ons.

*Yes, I could use the $5 generic reading glasses from the store, but these give me better reading vision. Well worth it.

Please no.

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/21100/

Yes, that's what I thought as well ;-)

I picked up my new glasses yesterday and I'm really happy with them. The nicest frame in the store and extra thin lenses with all the add-ons set me back €425 and that's a small price to pay for good vision.

But what I'm most happy about is that the expensive store I went to recently invested in a fundus camera and now offers fundus photography as a free service to all their customers. When I picked up my glasses I was also handed a referral to the eye doctor because they picked up some irregularities on the photo. It seems I have inherited my mum's eye condition that could lead to blindness, left untreated. So I'm very happy they picked it up in a very early stage.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5698 on: November 04, 2018, 11:37:59 AM »
AND......to get things Back On Topic...

My MPP today is that part of my job involves schmoozong and chitchatting and discussing the latest bands and movies and TV shows, but because I don’t watch TV or know the latest movies, my work life is now suffering. Recently, someone asked me what the most recent movie I watched was, and I said “Avatar”. They looked at me very sadly.

Very familiar. I am the only person at work who doesn't watch Netflix and doesn't have a bunch of perscriptions on commercial TV channels. I also seldom watch movies.
I am also the only one who goes camping in the summer.

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #5699 on: November 07, 2018, 10:13:33 AM »
Another MP:

Due to a cross-state move, home purchase, and expenses related to setting up a home office (I got a new work-from home job), I've had minimal cash flow to invest during this market pullback.  It's kind of sad watching the market rebound without having made my monthly investments.