Author Topic: Mustachian People Problems (just for fun)  (Read 2162837 times)

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6200 on: March 31, 2019, 03:08:11 PM »
I have two MPPs today.  The first is that it's payday, but I scheduled all my transfers and payments earlier in the week so I didn't have to do anything except double check my spreadsheet.  I don't even get to update the net worth tab until Monday.  I like playing with my money dammit (as long as I'm just moving it from one of my accounts to another and not paying someone else).

The second problem is that I met with a rep from the HDHP that I'm probably going to switch to next open season.  She...said I should consider a standard plan instead (I already have one of those.
 I was asking how the preauthorization worked on one of my husband's prescriptions because his doctor's office is notoriously late getting the paperwork filed on it).  Then she had to go to her car to get the brochure because I'm the only person who ever asks about it.

What do other people do on pay day?!
Heck if I know. We moved to fortnightly pay and so now I can never remember which week payday is. I liked it better when it was once a month on the same day of the month. It's actually a problem getting paid more often because it's harder to automate everything and I have to check things more often.

I didn't think it would be a big deal, but now I actively dislike it.
I've done both and it *shouldn't* be a big deal.

You make $x in each half of the month (plus twice a year you make twice that).   Pay your bills on the same day each month and the money should be there once you get things started -- if you didn't spend it all beforehand.   

I recommend keeping a paycheck's worth of cash in your checking account as a buffer just in case an employer (or yourself) does something stupid.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6201 on: April 01, 2019, 07:42:46 AM »
I have two MPPs today.  The first is that it's payday, but I scheduled all my transfers and payments earlier in the week so I didn't have to do anything except double check my spreadsheet.  I don't even get to update the net worth tab until Monday.  I like playing with my money dammit (as long as I'm just moving it from one of my accounts to another and not paying someone else).

The second problem is that I met with a rep from the HDHP that I'm probably going to switch to next open season.  She...said I should consider a standard plan instead (I already have one of those.
 I was asking how the preauthorization worked on one of my husband's prescriptions because his doctor's office is notoriously late getting the paperwork filed on it).  Then she had to go to her car to get the brochure because I'm the only person who ever asks about it.

What do other people do on pay day?!
Heck if I know. We moved to fortnightly pay and so now I can never remember which week payday is. I liked it better when it was once a month on the same day of the month. It's actually a problem getting paid more often because it's harder to automate everything and I have to check things more often.

I didn't think it would be a big deal, but now I actively dislike it.
I've done both and it *shouldn't* be a big deal.

You make $x in each half of the month (plus twice a year you make twice that).   Pay your bills on the same day each month and the money should be there once you get things started -- if you didn't spend it all beforehand.   

I recommend keeping a paycheck's worth of cash in your checking account as a buffer just in case an employer (or yourself) does something stupid.

It shouldn't matter, but sometimes it does.  Sometimes you get paid on the 6th, but bills are due on the first and late on the 5th.  I personally deal with this by using a spreadsheet that lays out when I'll get paid and when things are due so that I can tell way ahead of time what bills need to be paid out of each check.  I don't get the benefit of having that "extra" paycheck twice a year, but I do get to keep any extra in interest-earning accounts rather than in checking. 

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6202 on: April 01, 2019, 07:50:39 AM »
I recommend keeping a paycheck's worth of cash in your checking account as a buffer just in case an employer (or yourself) does something stupid.

It shouldn't matter, but sometimes it does.  Sometimes you get paid on the 6th, but bills are due on the first and late on the 5th.  I personally deal with this by using a spreadsheet that lays out when I'll get paid and when things are due so that I can tell way ahead of time what bills need to be paid out of each check.  I don't get the benefit of having that "extra" paycheck twice a year, but I do get to keep any extra in interest-earning accounts rather than in checking. 

Years back I missed a mortgage payment because a recurring transfer I had set up failed (banked changed systems and didn't keep my settings). Since then I always keep a one-month buffer in my checking accounts.

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #6203 on: April 01, 2019, 08:06:10 AM »
talking to old head she said 'in many many years when you retire..."
thinking to myself, 'dont say anything about FIRE!"

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6204 on: April 01, 2019, 09:08:10 AM »
Yesterday I visited an aquintance, and Facebook friend. She asked some questions about whether we were now well settled in our new house and liked it there. I don't yet dare to come out of the closet as a next year Fire person, so I couldn't honostly answer that I regret having bought a clownhouse and that we are going to downsize next year to free up all those savings that we put in it. I mumbled something about the house being too big and a lot of work to clean and paint.
Then she asked where I would like to live. I answered that if we didn't have to consider jobs, we would move out into the country, somewhere along the coast, otherwise our current area is fine.
Difficult that I don't feel comfortable to tell the full truth that our plan next year is to do all that, selling and moving into the country.
You could always say that your conversation with her was inspirational. It doesn't matter that your plan is well underway. Your chatting about it with her just reinforces your decision, doesn't it?

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6205 on: April 01, 2019, 09:55:56 AM »
Yesterday I visited an aquintance, and Facebook friend. She asked some questions about whether we were now well settled in our new house and liked it there. I don't yet dare to come out of the closet as a next year Fire person, so I couldn't honostly answer that I regret having bought a clownhouse and that we are going to downsize next year to free up all those savings that we put in it. I mumbled something about the house being too big and a lot of work to clean and paint.
Then she asked where I would like to live. I answered that if we didn't have to consider jobs, we would move out into the country, somewhere along the coast, otherwise our current area is fine.
Difficult that I don't feel comfortable to tell the full truth that our plan next year is to do all that, selling and moving into the country.
You could always say that your conversation with her was inspirational. It doesn't matter that your plan is well underway. Your chatting about it with her just reinforces your decision, doesn't it?

The talk with her was inspirational. She has 50 jobs as being a financial custodian for someone who requested that. Now, 50 is a lot. She said that some people request constant contact. She had to block them on her phone to not call her all day and night. But some others are dement people with millions on the bank. All the payments go automatically and she has no work on them. I found this last category interesting as a possible side gig after I FIRE. You need a good police record (= no police record), and need to be good with finances. Sounds like I'm qualified. She currently has 50 clients, because it is her only job and she needs a certain income. She wanted to downsize to 25 clients and get a normal parttime job.
« Last Edit: April 02, 2019, 12:34:13 AM by Linea_Norway »

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6206 on: April 01, 2019, 02:18:56 PM »
My MPP: I bought some new bras and received 5 store credit that is linked to my personal account and only valid for 3 months. I just bought new bras, I'm not going to need more new ones before the summer!
Which is exactly the reason why they gave you the 5. Because you feel pressed to use them. 

And some people still wonder what all that talk about consumerism is ;)

The credit used to be valid for 12 months so this was not a nice surprise. Now it's valid for only 3 months there's no point in using the loyalty card anymore. If I don't get the credit anymore, they don't get the data anymore :)

Aaaaand there's another nasty surprise with the bras, so I definitely need to go back to the store this week.

I bought the same model of bra, in the same size, in 3 colours. I tried on one bra in the store, which fit well, then I bought 2 others in different colours. I was assured by the shop girl they were exactly the same, they look the same, the label says it's the same model.... But when I tried them on at home they weren't right and it turns out the underwire is more than a cm shorter. I hate lingerie shopping :(

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #6207 on: April 01, 2019, 03:03:05 PM »
But when I tried them on at home they weren't right and it turns out the underwire is more than a cm shorter. I hate lingerie shopping :(

I hate the lack of quality control.  I know my size in my usual brand, but when I buy replacements I have to try every single one on, or measure the band, because there can be over an inch difference in the same size.  It is nice to be able to breathe.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6208 on: April 02, 2019, 11:51:05 PM »
I have two MPPs today.  The first is that it's payday, but I scheduled all my transfers and payments earlier in the week so I didn't have to do anything except double check my spreadsheet.  I don't even get to update the net worth tab until Monday.  I like playing with my money dammit (as long as I'm just moving it from one of my accounts to another and not paying someone else).

The second problem is that I met with a rep from the HDHP that I'm probably going to switch to next open season.  She...said I should consider a standard plan instead (I already have one of those.
 I was asking how the preauthorization worked on one of my husband's prescriptions because his doctor's office is notoriously late getting the paperwork filed on it).  Then she had to go to her car to get the brochure because I'm the only person who ever asks about it.

What do other people do on pay day?!
Heck if I know. We moved to fortnightly pay and so now I can never remember which week payday is. I liked it better when it was once a month on the same day of the month. It's actually a problem getting paid more often because it's harder to automate everything and I have to check things more often.

I didn't think it would be a big deal, but now I actively dislike it.
I've done both and it *shouldn't* be a big deal.

You make $x in each half of the month (plus twice a year you make twice that).   Pay your bills on the same day each month and the money should be there once you get things started -- if you didn't spend it all beforehand.   

I recommend keeping a paycheck's worth of cash in your checking account as a buffer just in case an employer (or yourself) does something stupid.

It shouldn't matter, but sometimes it does.  Sometimes you get paid on the 6th, but bills are due on the first and late on the 5th.  I personally deal with this by using a spreadsheet that lays out when I'll get paid and when things are due so that I can tell way ahead of time what bills need to be paid out of each check.  I don't get the benefit of having that "extra" paycheck twice a year, but I do get to keep any extra in interest-earning accounts rather than in checking.

If you can live on half a month with 2 weeks worth of paycheck, then once you get the process started you should always be fine. 

The paycheck received in the 2nd half of the month covers the bills that are due in the first half of the next month.   The paycheck received in the 1st half of the month covers the bills that are due in the second half of the month.  It really is that simple.

And if you are paid for 52 weeks a year, if you are paid every 2 weeks, you should be getting three paychecks in a month twice a year.    That's just how the math works out.

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #6209 on: April 03, 2019, 12:09:51 AM »
It's still a pain in the butt. I can live off 2 weeks pay for about 3 months. So having to log in and transfer money instead of automating it is a pain. It really is that simple. And then you have to figure out if you're gonna get paid again before next time bills are due in order to figure out how much to transfer to investments.

It's way more of a pain than get paid on the 15th every month. Have bills always auto pay on the 16th. Have a role setup on the 17th or manually log in ONCE and transfer all the rest to investments. It really is that simple! Which is way simpler than having a bunch of float like you suggest.

Parizade

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Re: Mustachian People Problems (just for fun)
« Reply #6210 on: April 03, 2019, 12:35:47 PM »
A frugal friend invited me up for a girl's weekend. It was wonderful to sit and drink Aldi tea, share our fun retirement plans, and discuss portfolio balancing and when to convert 401k funds to IRAs. Not your stereotypical girltalk,  but just what I needed.  I have so few gal friends who speak FIRE, wish I had more.

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #6211 on: April 03, 2019, 02:46:00 PM »
A frugal friend invited me up for a girl's weekend. It was wonderful to sit and drink Aldi tea, share our fun retirement plans, and discuss portfolio balancing and when to convert 401k funds to IRAs. Not your stereotypical girltalk,  but just what I needed.  I have so few gal friends who speak FIRE, wish I had more.

That sounds so nice! If I lived in Minnesota, I'd be asking to join next time!

Parizade

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Re: Mustachian People Problems (just for fun)
« Reply #6212 on: April 03, 2019, 04:17:54 PM »
A frugal friend invited me up for a girl's weekend. It was wonderful to sit and drink Aldi tea, share our fun retirement plans, and discuss portfolio balancing and when to convert 401k funds to IRAs. Not your stereotypical girltalk,  but just what I needed.  I have so few gal friends who speak FIRE, wish I had more.

That sounds so nice! If I lived in Minnesota, I'd be asking to join next time!
You would be welcome! I didn't think of it as a problem until after, when I realized it just doesn't happen often enough.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6213 on: April 04, 2019, 07:03:24 AM »
It's still a pain in the butt. I can live off 2 weeks pay for about 3 months. So having to log in and transfer money instead of automating it is a pain. It really is that simple. And then you have to figure out if you're gonna get paid again before next time bills are due in order to figure out how much to transfer to investments.

It's way more of a pain than get paid on the 15th every month. Have bills always auto pay on the 16th. Have a role setup on the 17th or manually log in ONCE and transfer all the rest to investments. It really is that simple! Which is way simpler than having a bunch of float like you suggest.

Of course being paid on exactly the same days each month is simpler.  Never said it wasn't.

I said being paid every two weeks is no big deal and you can automate it just fine.

You are guaranteed to receive at least one paycheck in the first half of each month.  It might arrive on the 1st, it might arrive on the 15th.   It doesn't matter.   You set up your automated payments for that paycheck on the 16th or afterwards.   

You are guaranteed to receive at least one paycheck in the 2nd half of each month.  It might arrive on the 16th or the 31st.  Again, it doesn't matter.  Youset up your automated payments for that paycheck on the 1st or afterwards.

The reason you're having trouble is that you're trying to pay the 1st half of the month's bills with the paycheck received in the 1st half of the month.   Now, THAT's a pain in the butt because the day changes each month.   

I pay the 1st half of the month bills with the money received in the 2nd half of the prior month.  Doesn't matter what day the money shows up because I won't be spending it until the 1st.    Same-same with the other half month's worth of bills.



MrsWolfeRN

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Re: Mustachian People Problems (just for fun)
« Reply #6214 on: April 07, 2019, 11:27:53 AM »
Ooh, I have one!!! Yesterday I got a letter in the mail from Target because I haven't used my Red Card in a while and they want to make sure I didn't lose it. I just haven't used it in a while because I still have gift cards that I bought in December when they were 10% off.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6215 on: April 07, 2019, 12:51:46 PM »
Ooh, I have one!!! Yesterday I got a letter in the mail from Target because I haven't used my Red Card in a while and they want to make sure I didn't lose it. I just haven't used it in a while because I still have gift cards that I bought in December when they were 10% off.

They canceled mine for inactivity so keep that in mind.  To be fair they did give us warning and we still forgot to use it

never give up

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Re: Mustachian People Problems (just for fun)
« Reply #6216 on: April 08, 2019, 11:33:34 AM »
A few months back I ripped my pyjamas. There is one rip in the trouser part and another in the top half, while other areas are becoming threadbare. The rips have been slowly getting worse over time, normally if I stretch at a funny angle or am clumsy putting them on. The pyjamas are now so incredibly revealing even the male equivalent of Victoria's Secret wouldn't stock them. Last week I downgraded my description of them from 'extremely racy' to 'incredibly inappropriate.' The latest rip has seen them downgraded further to a classification of 'utterly obscene.' Honestly the Incredible Hulk has better fitting garments. I'm afraid I don't know how to sew, although appreciate this is a good opportunity to learn a new skill.

This is a Mustachian People Problem because instead of just replacing or mending them, I really want to see how long I can make them last.

meerkat

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Re: Mustachian People Problems (just for fun)
« Reply #6217 on: April 08, 2019, 11:52:23 AM »
A few months back I ripped my pyjamas. There is one rip in the trouser part and another in the top half, while other areas are becoming threadbare. The rips have been slowly getting worse over time, normally if I stretch at a funny angle or am clumsy putting them on. The pyjamas are now so incredibly revealing even the male equivalent of Victoria's Secret wouldn't stock them. Last week I downgraded my description of them from 'extremely racy' to 'incredibly inappropriate.' The latest rip has seen them downgraded further to a classification of 'utterly obscene.' Honestly the Incredible Hulk has better fitting garments. I'm afraid I don't know how to sew, although appreciate this is a good opportunity to learn a new skill.

This is a Mustachian People Problem because instead of just replacing or mending them, I really want to see how long I can make them last.

Your username seems very appropriate.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6218 on: April 08, 2019, 04:36:46 PM »
I am reading a book about estate planning and its primary premise seems to be "What will be think of you?!" Uh, I really don't care that much of what people think of me, particularly in how I use my money, while I am alive, let the chips lay where they may when I am dead.

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #6219 on: April 08, 2019, 10:44:19 PM »
Ooh, I have one!!! Yesterday I got a letter in the mail from Target because I haven't used my Red Card in a while and they want to make sure I didn't lose it. I just haven't used it in a while because I still have gift cards that I bought in December when they were 10% off.

They canceled mine for inactivity so keep that in mind.  To be fair they did give us warning and we still forgot to use it
Similar. Except I didn't forget/care and let them cancel it. Now someday they can pay me sign up bonuses again maybe:)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6220 on: April 08, 2019, 11:20:15 PM »
Ooh, I have one!!! Yesterday I got a letter in the mail from Target because I haven't used my Red Card in a while and they want to make sure I didn't lose it. I just haven't used it in a while because I still have gift cards that I bought in December when they were 10% off.

They canceled mine for inactivity so keep that in mind.  To be fair they did give us warning and we still forgot to use it
Similar. Except I didn't forget/care and let them cancel it. Now someday they can pay me sign up bonuses again maybe:)

I did like the general idea of getting 5% off though.  And if I'm going to blow a hard pull, I want a few hundred dollars of bonus.  I'm pretty sure I'll sign up for the debit card for the free shipping/5% but I've been too lazy and maybe it won't happen.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6221 on: April 12, 2019, 09:55:32 AM »
Since half a year I work 80% and have fridays off. That means that I can no longer take home access fruit from the fruit bowl home at Friday afternoon.
But today I swapped my day off and worked on Friday. As this is the day before a holyday, many people went home really early. There was a lot of fruit left, especially bananas. When I went home, as one of the last, I totally forgot to look at the fruit bowl. It is no longer in my routine and therefore I just forgot. I just remembered it when driving home and I didn't think it was worth returning to work to get all these bananas.

I hope someone else will take them home, but I fear that they will lay over until Monday and will be thown away because they are browned.

chrisgermany

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Re: Mustachian People Problems (just for fun)
« Reply #6222 on: April 12, 2019, 10:55:47 AM »
Will you go in on monday? My freezer always has a bag with older bananas, peeled. They are used for low carb (n)ice cream, muffins, banana bread, smoothie.

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #6223 on: April 12, 2019, 11:12:19 AM »
true dat:  alot of folks love the brown bananas, so sweet, so good to cook with too
i've noticed in non-tropical countries they throw out the brown ones

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6224 on: April 12, 2019, 11:20:20 AM »
Will you go in on monday? My freezer always has a bag with older bananas, peeled. They are used for low carb (n)ice cream, muffins, banana bread, smoothie.

Now, I am off to our cabin for a week. That is 5,5 hours driving away from home/work.

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Re: Mustachian People Problems (just for fun)
« Reply #6225 on: April 12, 2019, 09:43:34 PM »
It's that time of year when one of our local non-profits does a fun drive.  A friend who is on the board of directors called DW, and she pledged $150, or normal amount for the last couple of years.  I went ahead and sent in a check (yes, I'm old fashioned), and considered it done.  Then, DW was at the place for something else, remembered the pledge, and... wrote them a check.  So now we have given $300.  Not a big deal, and we're happy to provide the support.  When I shared the funny story with the leader of the non-profit today, he promised to send us an invoice for our pledge...

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6226 on: April 12, 2019, 10:19:11 PM »
Will you go in on monday? My freezer always has a bag with older bananas, peeled. They are used for low carb (n)ice cream, muffins, banana bread, smoothie.

Do you want a frozen banana?  No... but I do want a regular banana later so.. yeah

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6227 on: April 13, 2019, 03:19:30 AM »
A frugal friend invited me up for a girl's weekend. It was wonderful to sit and drink Aldi tea, share our fun retirement plans, and discuss portfolio balancing and when to convert 401k funds to IRAs. Not your stereotypical girltalk,  but just what I needed.  I have so few gal friends who speak FIRE, wish I had more.

That sounds fantastic @Parizade!  Now I have an MPP that I soooo wish I had some friends like that!

Parizade

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Re: Mustachian People Problems (just for fun)
« Reply #6228 on: April 13, 2019, 07:38:26 AM »
A frugal friend invited me up for a girl's weekend. It was wonderful to sit and drink Aldi tea, share our fun retirement plans, and discuss portfolio balancing and when to convert 401k funds to IRAs. Not your stereotypical girltalk,  but just what I needed.  I have so few gal friends who speak FIRE, wish I had more.

That sounds fantastic @Parizade!  Now I have an MPP that I soooo wish I had some friends like that!

Okay I've searched the forum FAQs and Google and can't figure out what MPP is, help?

It was fantastic, maybe we need to plan some ladies events so we can share frugal girl talk.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6229 on: April 13, 2019, 07:54:12 AM »
Okay I've searched the forum FAQs and Google and can't figure out what MPP is, help?

Mustachian People Problems, like the thread title.  :)

Parizade

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Re: Mustachian People Problems (just for fun)
« Reply #6230 on: April 13, 2019, 08:16:59 AM »
Okay I've searched the forum FAQs and Google and can't figure out what MPP is, help?

Mustachian People Problems, like the thread title.  :)

Well DUH! thank you!

K-ice

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Re: Mustachian People Problems (just for fun)
« Reply #6231 on: April 14, 2019, 08:40:13 PM »
My Child was just offered a free sports program through their school. They came home excited they were chosen for the program, as were a few of their friends.  As I went to sign up I realized it is for disadvantaged children. (Maybe my spouse and I need to dress up a bit more before we meet the teacher next time.) My kid also has 2-3 favorite outfits & it is hard to get them to wear anything else. I have mixed feelings about signing them up. It looks like the program is designed for lower income, immigrant, &/or inner city children.  Part of me is thinking "that's not my kid". (I feel like a total snob thinking this.) I worry my child is taking a spot from someone else. But they are excited to play & I also think it is good for them to interact with children from many different backgrounds and to get outside more & have fun. 

There is a place to make a donation so I think I will be sure to offset the costs for my child and one other.

slipslop

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Re: Mustachian People Problems (just for fun)
« Reply #6232 on: April 14, 2019, 08:49:11 PM »
There is a place to make a donation so I think I will be sure to offset the costs for my child and one other.

I think this is a wonderful thing to do.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6233 on: April 15, 2019, 07:10:27 AM »
There is a place to make a donation so I think I will be sure to offset the costs for my child and one other.

I think this is a wonderful thing to do.

Well done. 

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6234 on: April 16, 2019, 02:09:42 AM »
Had an accident last year and am recovering from TBI (albeit very, very slowly). Had a tip to do something with my hands to counterbalance my work which is mainly mentally chalanging. Took up watercoloring as my previous woodworking was too intense (and handling dangerous equipment while dizzy is not a good idea). Watched a few youtube videos, and have correspondence going with my aunt the caligraphy teacher (who also does some watercoloring) and have been happily doing my best for the last couple of months...
Total cost of all materials, around 100 for some decent paint, paper, couple of brushes and a few sketchbooks.

Result, if anyone's interested: https://imgur.com/a/DKqOWGM (enable your adblocker!)

The problem? I got a giftcard from the workers council at work (of which I was a member but had to quit because of the slow recovery). They heard I was watercoloring and got me a gift card for the local craft shop. Said craft shop is more targeted to kids (girls especially) and their stock of what I use is nearly non existent and very expensive to boot. Eventually I decided to get a set of clay for my son (for motor skill development) rather than use something because it had to be used rather than because I needed it.
« Last Edit: April 16, 2019, 06:03:15 AM by Alfred J Quack »

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6235 on: April 16, 2019, 05:57:11 AM »
@Alfred J Quack I would delete that link, it can be traced to you. Your art looks great though!

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6236 on: April 16, 2019, 06:03:49 AM »
@Alfred J Quack I would delete that link, it can be traced to you. Your art looks great though!
Thanks, I didn't realise that. Changed the link to a more less personal one :)

jeninco

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Re: Mustachian People Problems (just for fun)
« Reply #6237 on: April 16, 2019, 09:42:23 AM »
There is a place to make a donation so I think I will be sure to offset the costs for my child and one other.

I think this is a wonderful thing to do.

Well done.

Brilliant! That was going to be my suggestion.

Also, if you have the time and you like the program, see if they need help with organizational stuff. Frequently (at least here) disadvantaged kids = overwhelmed or non-English-speaking parents, and these kinds of programs can use help keeping track of ... "stuff" (like making sure everyone has a signed physical form, or that uniforms have been passed out, or doing laundry afterwards, or making sure the coaches have a couple of boxes of snacks for kids who show up hungry. The things that need to happen so the coaches can focus on coaching.)

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #6238 on: April 18, 2019, 10:13:58 AM »
Will you go in on monday? My freezer always has a bag with older bananas, peeled. They are used for low carb (n)ice cream, muffins, banana bread, smoothie.

Do you want a frozen banana?  No... but I do want a regular banana later so.. yeah

Solid Mitch reference. 

zygote

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Re: Mustachian People Problems (just for fun)
« Reply #6239 on: April 19, 2019, 02:49:05 PM »
I noticed my gross pay was $10 lower than usual this pay period, so I asked payroll what happened.

Well, turns out it's because of Leap Day. We get paid biweekly, so they take our annual salary, divide by 365, and multiply by 14 for each paystub. Since this next fiscal year (4/1/19 to 3/31/19) includes a Leap Day, they divide by 366 instead.

I mean, mathematically this all works out and we do eventually get paid our entire annual salary. But since we still get the same 26 paychecks this fiscal year, it feels like a paycut in practice. Like, sure, I'm getting paid my full annual salary in the end, but it seems like an asinine way to do things. I honestly think it's a problem with biweekly pay in general. Even in a non-leap year, I only get 364/365 of my salary. It doesn't all even out until years where there happen to be 27 pay periods (which is only once every 11 years).

The extra $10 certainly doesn't make or break my budget. But it's the principle of it. I think about expenses and savings in terms of months and years, not fortnights. I'd like my entire annual salary to hit my bank account in one year so I can use it appropriately, thanks.

Paying salaried exempt employees bimonthly would make so much more sense.

ETA: This is a MPP to me because my coworkers didn't notice until I asked them if it bothered them too. I honestly think most people don't pay attention to their paychecks. I realized right away because I monitor all my retirement contributions, deductions, etc. and have a spreadsheet of exactly how I think my paystub will break down.
« Last Edit: April 19, 2019, 02:51:23 PM by zygote »

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6240 on: April 20, 2019, 01:51:32 PM »
I noticed my gross pay was $10 lower than usual this pay period, so I asked payroll what happened.

Well, turns out it's because of Leap Day. We get paid biweekly, so they take our annual salary, divide by 365, and multiply by 14 for each paystub. Since this next fiscal year (4/1/19 to 3/31/19) includes a Leap Day, they divide by 366 instead.

I mean, mathematically this all works out and we do eventually get paid our entire annual salary. But since we still get the same 26 paychecks this fiscal year, it feels like a paycut in practice. Like, sure, I'm getting paid my full annual salary in the end, but it seems like an asinine way to do things. I honestly think it's a problem with biweekly pay in general. Even in a non-leap year, I only get 364/365 of my salary. It doesn't all even out until years where there happen to be 27 pay periods (which is only once every 11 years).

The extra $10 certainly doesn't make or break my budget. But it's the principle of it. I think about expenses and savings in terms of months and years, not fortnights. I'd like my entire annual salary to hit my bank account in one year so I can use it appropriately, thanks.

Paying salaried exempt employees bimonthly would make so much more sense.

ETA: This is a MPP to me because my coworkers didn't notice until I asked them if it bothered them too. I honestly think most people don't pay attention to their paychecks. I realized right away because I monitor all my retirement contributions, deductions, etc. and have a spreadsheet of exactly how I think my paystub will break down.

It's kinda stingy on the part of the company, although I understand strict budgeting.  Like those years with 27 pay days.  My company just paid us normally, so we basically got a ~4% bonus that year.  But some companies will recalculate each paycheck.

sherr

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Re: Mustachian People Problems (just for fun)
« Reply #6241 on: April 21, 2019, 01:35:09 PM »
« Last Edit: April 23, 2019, 09:17:47 AM by sherr »

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6242 on: April 21, 2019, 11:20:31 PM »
I noticed my gross pay was $10 lower than usual this pay period, so I asked payroll what happened.

Well, turns out it's because of Leap Day. We get paid biweekly, so they take our annual salary, divide by 365, and multiply by 14 for each paystub. Since this next fiscal year (4/1/19 to 3/31/19) includes a Leap Day, they divide by 366 instead.

I mean, mathematically this all works out and we do eventually get paid our entire annual salary. But since we still get the same 26 paychecks this fiscal year, it feels like a paycut in practice. Like, sure, I'm getting paid my full annual salary in the end, but it seems like an asinine way to do things. I honestly think it's a problem with biweekly pay in general. Even in a non-leap year, I only get 364/365 of my salary. It doesn't all even out until years where there happen to be 27 pay periods (which is only once every 11 years).

The extra $10 certainly doesn't make or break my budget. But it's the principle of it. I think about expenses and savings in terms of months and years, not fortnights. I'd like my entire annual salary to hit my bank account in one year so I can use it appropriately, thanks.

Paying salaried exempt employees bimonthly would make so much more sense.

ETA: This is a MPP to me because my coworkers didn't notice until I asked them if it bothered them too. I honestly think most people don't pay attention to their paychecks. I realized right away because I monitor all my retirement contributions, deductions, etc. and have a spreadsheet of exactly how I think my paystub will break down.

It's kinda stingy on the part of the company, although I understand strict budgeting.  Like those years with 27 pay days.  My company just paid us normally, so we basically got a ~4% bonus that year.  But some companies will recalculate each paycheck.

No, it's not the same. Regardless of whether any given year happens to contain 26 or 27 paydays, in every case you're still being paid for 2 weeks of work. You're salary rate for 2 weeks of work has not changed in the 27 payday years, it just happens that in the 27-payday year you're also receiving a paycheck for work you did mostly in the previous year. If your company recalculated your rate for 27-payday years they'd be cheating you.

By contrast in a leap year your 2-week salary rate *has* actually changed, because the year is longer so your annual salary is divided by 26.14 instead of 26.07 two-week periods. I agree it's pretty stingy though. An extra $260 per employee per 4-year-period is not exactly going to break the bank.

You are framing it as a "2 week salary" but most people I know are paid at an annual rate.  Totally depends on the wording of your contract, but as an example if I'm paid $52k per year at $2k per paycheck, in 2016 I get $52k, 2017 has 27 paydays so I get $54k, then in 2018 I get $52k.  Therefore, the annual salary rate *has* actually changed.

If you're an hourly employee, you'd get paid more on a leap year because you will have worked an extra 8 hours.  I really doubt many people have a true biweekly salary agreement, but if they did then recalculating the amounts based on leap years wouldn't just by stingy, it would be illegal.

MrsWolfeRN

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Re: Mustachian People Problems (just for fun)
« Reply #6243 on: April 22, 2019, 05:51:19 AM »
I noticed my gross pay was $10 lower than usual this pay period, so I asked payroll what happened.

Well, turns out it's because of Leap Day. We get paid biweekly, so they take our annual salary, divide by 365, and multiply by 14 for each paystub. Since this next fiscal year (4/1/19 to 3/31/19) includes a Leap Day, they divide by 366 instead.

I mean, mathematically this all works out and we do eventually get paid our entire annual salary. But since we still get the same 26 paychecks this fiscal year, it feels like a paycut in practice. Like, sure, I'm getting paid my full annual salary in the end, but it seems like an asinine way to do things. I honestly think it's a problem with biweekly pay in general. Even in a non-leap year, I only get 364/365 of my salary. It doesn't all even out until years where there happen to be 27 pay periods (which is only once every 11 years).

The extra $10 certainly doesn't make or break my budget. But it's the principle of it. I think about expenses and savings in terms of months and years, not fortnights. I'd like my entire annual salary to hit my bank account in one year so I can use it appropriately, thanks.

Paying salaried exempt employees bimonthly would make so much more sense.

ETA: This is a MPP to me because my coworkers didn't notice until I asked them if it bothered them too. I honestly think most people don't pay attention to their paychecks. I realized right away because I monitor all my retirement contributions, deductions, etc. and have a spreadsheet of exactly how I think my paystub will break down.

It's kinda stingy on the part of the company, although I understand strict budgeting.  Like those years with 27 pay days.  My company just paid us normally, so we basically got a ~4% bonus that year.  But some companies will recalculate each paycheck.

No, it's not the same. Regardless of whether any given year happens to contain 26 or 27 paydays, in every case you're still being paid for 2 weeks of work. You're salary rate for 2 weeks of work has not changed in the 27 payday years, it just happens that in the 27-payday year you're also receiving a paycheck for work you did mostly in the previous year. If your company recalculated your rate for 27-payday years they'd be cheating you.

By contrast in a leap year your 2-week salary rate *has* actually changed, because the year is longer so your annual salary is divided by 26.14 instead of 26.07 two-week periods. I agree it's pretty stingy though. An extra $260 per employee per 4-year-period is not exactly going to break the bank.

You are framing it as a "2 week salary" but most people I know are paid at an annual rate.  Totally depends on the wording of your contract, but as an example if I'm paid $52k per year at $2k per paycheck, in 2016 I get $52k, 2017 has 27 paydays so I get $54k, then in 2018 I get $52k.  Therefore, the annual salary rate *has* actually changed.

If you're an hourly employee, you'd get paid more on a leap year because you will have worked an extra 8 hours.  I really doubt many people have a true biweekly salary agreement, but if they did then recalculating the amounts based on leap years wouldn't just by stingy, it would be illegal.

My company posts salaries for exempt workers as " x amount per 2 week pay period", not "x amount per year".  I thought this was normal.

sherr

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Re: Mustachian People Problems (just for fun)
« Reply #6244 on: April 22, 2019, 07:21:04 AM »
« Last Edit: April 23, 2019, 09:17:11 AM by sherr »

sherr

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Re: Mustachian People Problems (just for fun)
« Reply #6245 on: April 22, 2019, 07:29:56 AM »
My company posts salaries for exempt workers as " x amount per 2 week pay period", not "x amount per year".  I thought this was normal.

I'd never heard of that before, but situation is exactly the same as the "per day pay rate * number of days worked" situation, with the exception that you actually get a little more money on a leap year. So your company is slightly more generous than I think most others are.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #6246 on: April 22, 2019, 08:20:27 AM »
My MMP, now that I am retired I need to find a new day to grocery shop. I was a Saturday morning shopper, but NOT ANY MORE!

Last week, I tried Monday morning, the crowds were low, but it looks like they were still stocking from the weekend rush, so several of my on sale things were out of stock (no rain checks).  This could be because of the weekend before a holiday or just general post weekend restocking. 

This week I am trying for Wednesday morning. 

What a hard life I lead. :)

Loren

Gerard

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Re: Mustachian People Problems (just for fun)
« Reply #6247 on: April 22, 2019, 05:53:25 PM »
I need to find a new day to grocery shop.

Oo! Try every different day until you find the one where they mark stuff down!

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #6248 on: April 22, 2019, 06:22:10 PM »
On behalf of employed people everywhere, THANK YOU for not shopping on the weekend anymore!!!

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #6249 on: April 22, 2019, 07:36:52 PM »
A 365 day year is 52 weeks and 1 day.
A 366 day year is 52 weeks and 2 days.

A 365 day year with a 5-day workweek can have 260 or 261 workdays.
A 366 day year with a 5-day workweek can have 261 or 262 workdays.

(Forgive me if that's not perfect.  I didn't build an Excel model on each of the 14 scenarios...)

We are on a two-week pay cycle.  Each Friday we are paid for the previous two calendar weeks.  My annual salary has been divided by a standard 2,080 work hours in a year to yield an hourly rate, and I'm basically paid for 80 hours each pay period.  In the 27 pay period year, I think this means I'm making out like a bandit...