Author Topic: Mustachian People Problems (just for fun)  (Read 3684125 times)

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #6800 on: October 25, 2019, 01:20:53 PM »
I work in the public sector (not US) and my employer has a scholarship program that refunds 60% of the cost of post graduate programs that employees take that are related to their work. So I paid upfront for a 10 month long program that costed about 4500, since the 10 month payment option would cost about 8000, thinking I would save both personal and public money. Today I went to the HR to deliver all the paperwork and was informed that they only refund monthly payments because they want to be sure that the applicants will stick to the classes. They even mentioned that my case was the first they ever saw of someone that paid upfront, so they weren't sure on how to proceed. I told them that I accept being refunded after the post graduate program is finished and now I'm waiting the HR boss to come back from vacations so he can decide if they can do that.

Ok, so you have a monthly payment of $4,500 that only lasted one month.

Also that's an insane price difference for paying up front. 

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6801 on: October 25, 2019, 07:25:34 PM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #6802 on: October 25, 2019, 07:47:40 PM »
Met a friend for a beach swim and forgot to bring my  bathers, so swam in my bra and knickers. But had to spend the afternoon running errands in just my dress as my underwear was wet.
Now that's an exciting start! Or was that the end?  :-)

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #6803 on: October 25, 2019, 08:11:01 PM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.

 I could easily have $250 in to our dryer, except I'm a DIYer. I had to install a new belt years ago, then a heater wire and another time an over temp thermostat.
 Always kinda fun because my wife thinks I'm a hero and there's not much in a dryer, so they are pretty easy.
 Recently the washer would not finish a load, together (cause I didn't have enough hands) we unfroze a bearing in the washer, this made it work properly for 4 loads and then it started again. So then I replaced the suspension springs, now it has been weeks and it still works.
 PS. Have your repair guy give you some training, that and Youtube will get a lot done. If that interests you.

mrmoonymartian

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Re: Mustachian People Problems (just for fun)
« Reply #6804 on: October 25, 2019, 08:17:58 PM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.
There's a high likelihood your fincances and the environment would be better off with a newer, more efficient one. Have you looked at how much power it is using? Newer doesn't mean it has to be brand new.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6805 on: October 25, 2019, 09:53:07 PM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.

My dryer is a clothesline. Iím not handy, so a clothesline breaking is something I can definitely fix. Only cost a couple dollars for a new line (or zero dollars if I find a way to just knot the line), good for the environment, and cheap!

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #6806 on: October 26, 2019, 12:45:43 AM »
We are live drying for now but the rain is coming shortly and our dryer is broken. The repair guy didnít recommend repairing it due to cost and it not being a quality machine to begin with.

So Iím price shopping now while convincing my husband that we are not going to wait a month to see if sales then might be better. Our situation is probably different though as we have three little kids, including an newborn at home, and do laundry every day right now.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6807 on: October 26, 2019, 08:09:14 AM »
Paid off our house today, because we want to move our investments into a "more conservative" direction and 2.5% beats current bond yields; and we're probably taking the standard deduction this year anyways.

My MPP: I'm excited, but I can't tell my coworkers without major jealousy.  So I have to tell you guys - and call my parents when I get home tonight.
Congratulations! That's a huge milestone.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #6808 on: October 26, 2019, 08:27:41 AM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.
There's a high likelihood your finances and the environment would be better off with a newer, more efficient one. Have you looked at how much power it is using? Newer doesn't mean it has to be brand new.

  I don't think new dryers are anymore efficient than old ones. I'm talking about electric, I'm not sure about gas although, I'm not finding any break out either.
  The only thing that I found mentioned that could cause them to use less electricity, is have a moisture sensor that turns the machine off when clothes are dry. But when I dry, I usually keep pretty close track so I can get my shirts out just before they are dry.
 I did find this, "Newer dryers are no more efficient than old ones, which is why the federal Energy Star program doesn't rate them."

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6809 on: October 26, 2019, 08:35:51 AM »
Paid off our house today, because we want to move our investments into a "more conservative" direction and 2.5% beats current bond yields;

Haha yeah.
I was just looking if it makes sense to put my auto savings into dividends oriented indexes, because the f**** stock crash has to come now!!! (I think we are already on the longest "boom" since WW2). Don't let me wait any longer!

Putting the fun aside, even the "normal" DAX (German index) ETFs are above 2% dividends, the divDax a bit under 3%.

Bonds are doing... 1%? And will likely drop like a stone in price if the % rise.

Even expexting a stock crash - buying bonds looks so stupid!

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6810 on: October 26, 2019, 09:12:23 AM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.
There's a high likelihood your finances and the environment would be better off with a newer, more efficient one. Have you looked at how much power it is using? Newer doesn't mean it has to be brand new.

  I don't think new dryers are anymore efficient than old ones. I'm talking about electric, I'm not sure about gas although, I'm not finding any break out either.
  The only thing that I found mentioned that could cause them to use less electricity, is have a moisture sensor that turns the machine off when clothes are dry. But when I dry, I usually keep pretty close track so I can get my shirts out just before they are dry.
 I did find this, "Newer dryers are no more efficient than old ones, which is why the federal Energy Star program doesn't rate them."

Old dryers blow the warm, moist air outside of the building. Modern condensation dryings keep the air in the machine and put the water into a drawer. At least the warmth is kept i to the house. Important in a cold country in winter time.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #6811 on: October 26, 2019, 09:34:40 AM »
My recent MMP is also laundry related.  I'm in the middle of a multi week work project that I need to wear "paint clothes" for 5 days a week.  I've got 2 pairs of pants and 3 shirts. I get dirty enough that I can't rewear things, and I can't wash paint clothes in with my partners nicer clothes.  So, that's two extra loads of laundry per week.  I could fix it by buying more clothes, and that's my dilemma. It's just a temporary project!  I don't need more clothes!  But it seems so wasteful to do two extra loads of laundry each week!

And now it is raining all weekend. We always air dry. We just check the weather and wait a day or two to do laundry if we need to. But I don't have that option with my paint clothes!  There is a dryer in this rental.  We often complain about how much space it takes up and wish we could get rid of it, but I guess I'll be using it this weekend. 

mrmoonymartian

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Re: Mustachian People Problems (just for fun)
« Reply #6812 on: October 26, 2019, 09:48:23 AM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.
There's a high likelihood your finances and the environment would be better off with a newer, more efficient one. Have you looked at how much power it is using? Newer doesn't mean it has to be brand new.

  I don't think new dryers are anymore efficient than old ones. I'm talking about electric, I'm not sure about gas although, I'm not finding any break out either.
  The only thing that I found mentioned that could cause them to use less electricity, is have a moisture sensor that turns the machine off when clothes are dry. But when I dry, I usually keep pretty close track so I can get my shirts out just before they are dry.
 I did find this, "Newer dryers are no more efficient than old ones, which is why the federal Energy Star program doesn't rate them."

Old dryers blow the warm, moist air outside of the building. Modern condensation dryings keep the air in the machine and put the water into a drawer. At least the warmth is kept i to the house. Important in a cold country in winter time.
Looks like that is the 'heat pump' type, which is apparently 20-60% more efficient.

https://www.energystar.gov/products/appliances/clothes_dryers?qt-consumers_product_tab=2#qt-consumers_product_tab

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6813 on: October 26, 2019, 10:46:20 AM »
My recent MMP is also laundry related.  I'm in the middle of a multi week work project that I need to wear "paint clothes" for 5 days a week.  I've got 2 pairs of pants and 3 shirts. I get dirty enough that I can't rewear things, and I can't wash paint clothes in with my partners nicer clothes.  So, that's two extra loads of laundry per week.  I could fix it by buying more clothes, and that's my dilemma. It's just a temporary project!  I don't need more clothes!  But it seems so wasteful to do two extra loads of laundry each week!

And now it is raining all weekend. We always air dry. We just check the weather and wait a day or two to do laundry if we need to. But I don't have that option with my paint clothes!  There is a dryer in this rental.  We often complain about how much space it takes up and wish we could get rid of it, but I guess I'll be using it this weekend.
Sometimes I blow up the page to make the font bigger. It means I can read the text more easily while I'm lolling in bed, but I can't see who wrote it. My first thought was "It's thrift store time." Then I moved the page to see the author. #nevermind and #preachingtothechoir, lol. I know you'll figure out a creative and super cost-effective solution..

BTW, my fave thrift store has everything 75% off today before they close to prep for the season changeover.  Not sure if I'll even bother to go. Don't really need anything...

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6814 on: October 26, 2019, 11:35:56 AM »
And as to @Imma's original plan to switch from gas to electricity: good plan, unless you have access to biogas. There are a lot of biogas plants in the Netherlands that are struggling now because the subsidy schemes have changed. Closing those down would lead to increased emissions of methane.


--------------------
BTW: could the resistance to more renewable energy in Norway be considered a Mustachian Country Problem?
Biogas does nothing for the CO2 crisis since it still burns something to generate power. But why would the closure of such plants lead to increased methane release? Yes, some of the matter burned is methane but most of it is mainly replantable forest wood which is basically the same as burning charcoal.

And no, I don't think that the cons of windmills are a mustachian problem. People are protective of their assets in general, probably even more so when they are deep in debt because of them.
A windmill 50 yards from your house will have impact on its price but likely also on your pleasure living there. The sounds/noise from it as well as the constant shadow playing on your windows can be very annoying, and if you are susceptible it can likely affect you phisically.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6815 on: October 26, 2019, 11:40:16 AM »
We used up our ready cash buying (all paid in full) two low mileage used cars and two houses, one for charity and one for our daughter's adopted grandmother.    We'll have to budget very strictly for the next 6 months.

Your daughter has adopted a grandmother??? *very confused look*

Our daughter has Down syndrome.  None of the "real" grandparents or step-grandparents involved ever gave a damn about her.
The only one that's still living only bothered to learn how to say her name correctly a year ago.  Our daughter was born in 1973.   Pretty pathetic, isn't it?

We have a wonderful lady who is her caregiver during the workday.   She's been taking care of our daughter for a over a dozen years and she (and her whole family) treat our daughter as family.   So our daughter adopted her as her grandmother.   We endorse her choice wholeheartedly.
Oh, that breaks my heart. If I lived in your vicinity, I'd put myself up for grandma adoption so she could have an extra one.
If you were in my region I'd offer my son too, but my was very accepting after the initial bout of despondency at the diagnosis.

My dad, if anything, was more accepting at first than with my other son. May also be because my granddad (his dad) passed away not too long before that and he considered it his job to welcome him to the family...

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #6816 on: October 26, 2019, 01:26:42 PM »
And as to @Imma's original plan to switch from gas to electricity: good plan, unless you have access to biogas. There are a lot of biogas plants in the Netherlands that are struggling now because the subsidy schemes have changed. Closing those down would lead to increased emissions of methane.

Biogas does nothing for the CO2 crisis since it still burns something to generate power. But why would the closure of such plants lead to increased methane release? Yes, some of the matter burned is methane but most of it is mainly replantable forest wood which is basically the same as burning charcoal.

Biogas is very rarely made from wood (i know only one plant in Europe, and that is a Swedish test fascility based on "garbage" from forestry that would otherwise be left to rot. It is being closed down now). The most common source is waste: manure, food waste, and human waste. If these things are left to rot on their own, they release methane. Passing them through a biogas reactor, you collect the methane for energy purposes. By burning this methane, you reduce the GHG effect by a factor of about 24. If it replaces a fossil fuel, even better. EU's REDII, Swedish, Danish, and Norwegian research articles all show that if biogas is produced from waste and used to replace fossil fuels, the reduction in GHG emissions is more than 100 %. How much more depends on the source, how the manure is stored, whether the food waste would otherwise be left to rot or would be burned (with or without energy used for district heating), if there are any methane emissions from the production plant, pipes or engines, etc. But a negative 170 % is not uncommon. 

In some countries, where they have had very high feed-in tariffs, people have grown maize and other foodstuff to make biogass. That isn't sustainable, and should of course be phased out.

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #6817 on: October 26, 2019, 02:22:27 PM »
And as to @Imma's original plan to switch from gas to electricity: good plan, unless you have access to biogas. There are a lot of biogas plants in the Netherlands that are struggling now because the subsidy schemes have changed. Closing those down would lead to increased emissions of methane.

Biogas does nothing for the CO2 crisis since it still burns something to generate power. But why would the closure of such plants lead to increased methane release? Yes, some of the matter burned is methane but most of it is mainly replantable forest wood which is basically the same as burning charcoal.

Biogas is very rarely made from wood (i know only one plant in Europe, and that is a Swedish test fascility based on "garbage" from forestry that would otherwise be left to rot. It is being closed down now). The most common source is waste: manure, food waste, and human waste. If these things are left to rot on their own, they release methane. Passing them through a biogas reactor, you collect the methane for energy purposes. By burning this methane, you reduce the GHG effect by a factor of about 24. If it replaces a fossil fuel, even better. EU's REDII, Swedish, Danish, and Norwegian research articles all show that if biogas is produced from waste and used to replace fossil fuels, the reduction in GHG emissions is more than 100 %. How much more depends on the source, how the manure is stored, whether the food waste would otherwise be left to rot or would be burned (with or without energy used for district heating), if there are any methane emissions from the production plant, pipes or engines, etc. But a negative 170 % is not uncommon. 

In some countries, where they have had very high feed-in tariffs, people have grown maize and other foodstuff to make biogass. That isn't sustainable, and should of course be phased out.

These can be quite efficient.  St. Michel in Montreal burns biogas collected from an old landfill.  This means the carbon would be in the atmosphere anyway as the landfill gave off the methane, but CO2 is a much weaker greenhouse gas.

http://eolectric.com/en/news/2017-10-16?1535446825

Farmers do this with manure too.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6818 on: October 26, 2019, 03:12:50 PM »
The biogas installations I personally know about all processed manure. I have always chosen energy suppliers who invest in biogas and compensate CO2 emissions by planting trees. Sometimes I doubt the effectiveness but it's better than nothing.

I believe the easiest way to reduce CO2 emissions in the short term is to simply reduce consumption, which is also the easiest thing to do for a private person. We have insulated walls + roof and double glass with heavy curtains to keep the cold out. My floor can't be insulated but we have a few heavy carpets and we don't walk around on our bare feet in winter. We put on a sweater when necessary. I have turned on the electric space heater a few times for a short period of time but we haven't yet turned on the central heating this season. I believe that most people can halve their energy consumption if they want to.

Re: wind farms, I don't believe they should be in urban areas but I also really don't think they should be in unspoiled natural areas (those are easier to find in Norway than in NL). When I say I believe they should be placed in locations where no one lives, I also meant locations like along a highway, as people don't tend to live there.

I don't think a single windmill in an urban area will have any negative influence on quality of life or house prices but I don't know how effective those are. Just the other day I was in one of the biggest cities in the country and they have a windmill in the middle of a newly built neighbourhood. I don't think anyone has experienced problems but of course it's only one.

I do believe people sometimes are too worried about the value of their home though. Many people oppose solar panels for the same reason but I"ve never heard anyone say they didn't buy a certain house because the neighbours have solar panels. I live pretty close to a main road and a trainstation which reduces my quality of life (due to noise and pollution) but they actually increase the value of my home. If we don't act I guess @Alfred J Quack both our homes will go up in value due to closer proximity to the beach...

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6819 on: October 26, 2019, 05:02:29 PM »
The biogas installations I personally know about all processed manure. I have always chosen energy suppliers who invest in biogas and compensate CO2 emissions by planting trees. Sometimes I doubt the effectiveness but it's better than nothing.

Hm. I wonder how much electricity could be produced if we turned sewer plants into biogas plants instead of just letting bacteria consume much of the waste and emit CO2.

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #6820 on: October 26, 2019, 06:55:20 PM »
The biogas installations I personally know about all processed manure. I have always chosen energy suppliers who invest in biogas and compensate CO2 emissions by planting trees. Sometimes I doubt the effectiveness but it's better than nothing.

Hm. I wonder how much electricity could be produced if we turned sewer plants into biogas plants instead of just letting bacteria consume much of the waste and emit CO2.

Methane comes from anaerobic decomposition. Other gases produced can be quite stinky.  Not an engineer but I suppose it could work.

Collecting methane from remediated landfills is already a known process.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6821 on: October 27, 2019, 01:30:23 AM »
We used up our ready cash buying (all paid in full) two low mileage used cars and two houses, one for charity and one for our daughter's adopted grandmother.    We'll have to budget very strictly for the next 6 months.

Your daughter has adopted a grandmother??? *very confused look*

Our daughter has Down syndrome.  None of the "real" grandparents or step-grandparents involved ever gave a damn about her.
The only one that's still living only bothered to learn how to say her name correctly a year ago.  Our daughter was born in 1973.   Pretty pathetic, isn't it?

We have a wonderful lady who is her caregiver during the workday.   She's been taking care of our daughter for a over a dozen years and she (and her whole family) treat our daughter as family.   So our daughter adopted her as her grandmother.   We endorse her choice wholeheartedly.
Oh, that breaks my heart. If I lived in your vicinity, I'd put myself up for grandma adoption so she could have an extra one.
If you were in my region I'd offer my son too, but my was very accepting after the initial bout of despondency at the diagnosis.

My dad, if anything, was more accepting at first than with my other son. May also be because my granddad (his dad) passed away not too long before that and he considered it his job to welcome him to the family...

Adopting a grandparent is an old habit. When I grew up, in my street, an elderly couple were the new grandparents for a young boy a few houses ahead. The boy didn't have any grandparents anymore.

But that the real grandparents don't want to known their own grandchild is so wrong.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #6822 on: October 27, 2019, 08:32:48 AM »
My recent MMP is also laundry related.  I'm in the middle of a multi week work project that I need to wear "paint clothes" for 5 days a week.  I've got 2 pairs of pants and 3 shirts. I get dirty enough that I can't rewear things, and I can't wash paint clothes in with my partners nicer clothes.  So, that's two extra loads of laundry per week.  I could fix it by buying more clothes, and that's my dilemma. It's just a temporary project!  I don't need more clothes!  But it seems so wasteful to do two extra loads of laundry each week!

And now it is raining all weekend. We always air dry. We just check the weather and wait a day or two to do laundry if we need to. But I don't have that option with my paint clothes!  There is a dryer in this rental.  We often complain about how much space it takes up and wish we could get rid of it, but I guess I'll be using it this weekend.
Sometimes I blow up the page to make the font bigger. It means I can read the text more easily while I'm lolling in bed, but I can't see who wrote it. My first thought was "It's thrift store time." Then I moved the page to see the author. #nevermind and #preachingtothechoir, lol. I know you'll figure out a creative and super cost-effective solution..

BTW, my fave thrift store has everything 75% off today before they close to prep for the season changeover.  Not sure if I'll even bother to go. Don't really need anything...

I think once I get through this coming week the work will be cleaner and I'll be able to rewear things.  It has been such a silly dilemma. I just don't want to buy more, have more, store more! I did buy a heavy thrift shop sweater so I don't have to worry about ruining my nice ones. I'm balancing keeping a small wardrobe, dirty work and trying to look at least a little put together when I show up at the office to turn in paperwork.  Shew. 

Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6823 on: October 27, 2019, 08:56:35 AM »
But that the real grandparents don't want to known their own grandchild is so wrong.
Unfortunately, the older generations still view Down syndrome as a very severe disability, regardless of the steps made by programs such as early intervention. The problem is generally that they grew up without exposure because back then the kids were put away in a home and ignored most often.

  I don't think new dryers are anymore efficient than old ones. I'm talking about electric, I'm not sure about gas although, I'm not finding any break out either.
  The only thing that I found mentioned that could cause them to use less electricity, is have a moisture sensor that turns the machine off when clothes are dry. But when I dry, I usually keep pretty close track so I can get my shirts out just before they are dry.
 I did find this, "Newer dryers are no more efficient than old ones, which is why the federal Energy Star program doesn't rate them."
A modern heatpump dryer takes about twice as long and can use something like 150-200W of power to heat the wash with which it extracts moisture. An old style dryer can use up to 2000W for 45-60 minutes per drying session.
Also, an old style dryer is the number 2 or 3 cause for fires since it is chock full of fibre from the dry-cycle and a nice hot element to ignite it with. For that reason the manual says you need to clean it after every use.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6824 on: October 27, 2019, 09:44:37 AM »
A modern heatpump dryer takes about twice as long and can use something like 150-200W of power to heat the wash with which it extracts moisture. An old style dryer can use up to 2000W for 45-60 minutes per drying session.
Wow, that's a huge difference!

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6825 on: October 27, 2019, 09:49:53 AM »
Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?
Have you ever tried making your own? If you do the powder, it's easy to make a smaller batch. I did it for years with good success. Here's a random Google grab:

https://wellnessmama.com/462/homemade-laundry-detergent/#natural-laundry-soap-recipe

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #6826 on: October 27, 2019, 11:37:38 AM »
Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?
Have you ever tried making your own? If you do the powder, it's easy to make a smaller batch. I did it for years with good success. Here's a random Google grab:

https://wellnessmama.com/462/homemade-laundry-detergent/#natural-laundry-soap-recipe

And then I'd have to store multiple boxes of stuff!?  hah!  Trust me, I've thought of every complaint to make it more difficult than it needs to be!  I did homemade soap of quite a few years (part of why I am at a loss of what to buy now), but it didn't always do well in cold water, which leads to another mustachian dilemma!  I don't want to wash in warm water just to make frugal soap more effective! I'm going to have to compromise on something!

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6827 on: October 27, 2019, 01:09:14 PM »
Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?
Have you ever tried making your own? If you do the powder, it's easy to make a smaller batch. I did it for years with good success. Here's a random Google grab:

https://wellnessmama.com/462/homemade-laundry-detergent/#natural-laundry-soap-recipe

And then I'd have to store multiple boxes of stuff!?  hah!  Trust me, I've thought of every complaint to make it more difficult than it needs to be!  I did homemade soap of quite a few years (part of why I am at a loss of what to buy now), but it didn't always do well in cold water, which leads to another mustachian dilemma!  I don't want to wash in warm water just to make frugal soap more effective! I'm going to have to compromise on something!
Okay, I'll try again. I think you can buy laundry soap in bar form. Another option might be to buy a small container, maybe with a coupon or at the Dollar Store. Later, buy an econo size and refill the small bottle. Store the large bottle somewhere you don't see it. Lastly, perhaps a coworker, friend or neighbor would consider splitting  the purchase of a large size.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6828 on: October 27, 2019, 02:01:54 PM »
But that the real grandparents don't want to known their own grandchild is so wrong.
Unfortunately, the older generations still view Down syndrome as a very severe disability, regardless of the steps made by programs such as early intervention. The problem is generally that they grew up without exposure because back then the kids were put away in a home and ignored most often.

  I don't think new dryers are anymore efficient than old ones. I'm talking about electric, I'm not sure about gas although, I'm not finding any break out either.
  The only thing that I found mentioned that could cause them to use less electricity, is have a moisture sensor that turns the machine off when clothes are dry. But when I dry, I usually keep pretty close track so I can get my shirts out just before they are dry.
 I did find this, "Newer dryers are no more efficient than old ones, which is why the federal Energy Star program doesn't rate them."
A modern heatpump dryer takes about twice as long and can use something like 150-200W of power to heat the wash with which it extracts moisture. An old style dryer can use up to 2000W for 45-60 minutes per drying session.
Also, an old style dryer is the number 2 or 3 cause for fires since it is chock full of fibre from the dry-cycle and a nice hot element to ignite it with. For that reason the manual says you need to clean it after every use.

Also, a modern dryer turns itself off when finished. With the old dryer, I had to choose a time for it to run. Ofte I choose an hour to be sure the laundry was dry. In same cases that was probably too long. And sometimes too short.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6829 on: October 27, 2019, 02:57:47 PM »
My recent MMP is also laundry related.  I'm in the middle of a multi week work project that I need to wear "paint clothes" for 5 days a week.  I've got 2 pairs of pants and 3 shirts. I get dirty enough that I can't rewear things, and I can't wash paint clothes in with my partners nicer clothes.  So, that's two extra loads of laundry per week.  I could fix it by buying more clothes, and that's my dilemma. It's just a temporary project!  I don't need more clothes!  But it seems so wasteful to do two extra loads of laundry each week!

And now it is raining all weekend. We always air dry. We just check the weather and wait a day or two to do laundry if we need to. But I don't have that option with my paint clothes!  There is a dryer in this rental.  We often complain about how much space it takes up and wish we could get rid of it, but I guess I'll be using it this weekend.
Sometimes I blow up the page to make the font bigger. It means I can read the text more easily while I'm lolling in bed, but I can't see who wrote it. My first thought was "It's thrift store time." Then I moved the page to see the author. #nevermind and #preachingtothechoir, lol. I know you'll figure out a creative and super cost-effective solution..

BTW, my fave thrift store has everything 75% off today before they close to prep for the season changeover.  Not sure if I'll even bother to go. Don't really need anything...

I think once I get through this coming week the work will be cleaner and I'll be able to rewear things.  It has been such a silly dilemma. I just don't want to buy more, have more, store more! I did buy a heavy thrift shop sweater so I don't have to worry about ruining my nice ones. I'm balancing keeping a small wardrobe, dirty work and trying to look at least a little put together when I show up at the office to turn in paperwork.  Shew. 

Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?

Because a washing machine is attached to a drain and a water supply it's usually placed some distance from the wall. I buy one big box of washing powder a year and it comes in a tall and narrow box. I used to live in a small apartment and my box fit exactly in the gap between the machine and the wall.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6830 on: October 27, 2019, 03:09:41 PM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.
There's a high likelihood your fincances and the environment would be better off with a newer, more efficient one. Have you looked at how much power it is using? Newer doesn't mean it has to be brand new.

Power is minimal. Gas? Comparable to a new one. And I really don't want to buy a crappy new dryer when this one just needs a bit of work. Most of my clothes are line dried. Mostly it's sheets and towels that I put in the dryer.

Edit: I clean out the lint trap every time I run it, and periodically check the dryer vent. Still not going to buy an expensive new heat pump dryer when I have a perfectly good dryer (once it's fixed). Reduce, reuse recycle applies to the physical appliance too.
« Last Edit: October 27, 2019, 03:17:47 PM by Sibley »

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6831 on: October 28, 2019, 08:27:58 AM »
My dryer broke, for the 3rd time. Everyone says "get a new one".

Except: it was free! I'm about $250 into it so far. And it was built in 1992. This thing is a tank. So unless the repair guy tells me its terminal (and he would, he did it for the washer), I'm fixing it. And I keep getting weird looks from everyone.

Mine were built in 1993.  I'm so not looking forward to having to eventually replace them.  I know I'm not going to get anywhere near 25 years out of anything built in the last decade. 

My HVAC unit is the same way.  We found the manufacturer's sticker from 1989 on it when we had some work done this spring.  Though I suspect that it might be more cost-effective to replace it with something more energy efficient and appropriately sized.  I have a sinking fund for said replacement, but I don't wanna spend it right now.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6832 on: October 28, 2019, 08:35:01 AM »
Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?
Have you ever tried making your own? If you do the powder, it's easy to make a smaller batch. I did it for years with good success. Here's a random Google grab:

https://wellnessmama.com/462/homemade-laundry-detergent/#natural-laundry-soap-recipe


We tried this for about 6 months.  The easiest way to crumble the soap bar is to cut into 8ths and microwave it.  It fluffs up and then crumbles.  It will make your microwave smell like soap though (my husband is a collector of things so we had a spare microwave to devote specifically to this).  We found it very rough on our clothes and since neither of us have that many to start with, we decided to go back to regular detergent. 

merula

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Re: Mustachian People Problems (just for fun)
« Reply #6833 on: October 28, 2019, 09:36:20 AM »
I used to grate laundry soap in my food processor and never had any issues with efficacy, but I was using Fels Naptha rather than a "natural" soap.

I'm currently using a liquid mix of dish soap, washing soda and Borax (6 oz borax, 6 oz washing soda, 4 oz dish soap, 4 cups boiling water). It doesn't take up any extra storage space because I keep all three ingredients on hand for other cleaning purposes.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6834 on: October 28, 2019, 10:54:15 AM »
Soap nuts are another option that don't take up much space. I just scored a bunch at my dollar store. Now, I notice the price on eBay is really dropping vs. Amazon. That probably means a lot of other bargain shoppers bought them and are making a few bucks selling them on line.

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6835 on: October 28, 2019, 01:34:00 PM »
But that the real grandparents don't want to known their own grandchild is so wrong.
Unfortunately, the older generations still view Down syndrome as a very severe disability, regardless of the steps made by programs such as early intervention. The problem is generally that they grew up without exposure because back then the kids were put away in a home and ignored most often.

  I don't think new dryers are anymore efficient than old ones. I'm talking about electric, I'm not sure about gas although, I'm not finding any break out either.
  The only thing that I found mentioned that could cause them to use less electricity, is have a moisture sensor that turns the machine off when clothes are dry. But when I dry, I usually keep pretty close track so I can get my shirts out just before they are dry.
 I did find this, "Newer dryers are no more efficient than old ones, which is why the federal Energy Star program doesn't rate them."
A modern heatpump dryer takes about twice as long and can use something like 150-200W of power to heat the wash with which it extracts moisture. An old style dryer can use up to 2000W for 45-60 minutes per drying session.
Also, an old style dryer is the number 2 or 3 cause for fires since it is chock full of fibre from the dry-cycle and a nice hot element to ignite it with. For that reason the manual says you need to clean it after every use.

Also, a modern dryer turns itself off when finished. With the old dryer, I had to choose a time for it to run. Ofte I choose an hour to be sure the laundry was dry. In same cases that was probably too long. And sometimes too short.

We've had two old fashioned electric dryers that could sense when the clothes were dry and will switch off automatically. Works pretty good.

Keep an eye on the dryer vent tube. When i finally checked our's a couple of years ago it was surprising how full of lint it was. It was an aluminum foil tube. We trashed that and installed a steel vent pipe similar to a stove pipe. Stayed quite clean.
« Last Edit: October 28, 2019, 01:37:58 PM by Just Joe »

ABC123

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Re: Mustachian People Problems (just for fun)
« Reply #6836 on: October 30, 2019, 12:15:08 PM »
My recent MMP is also laundry related.  I'm in the middle of a multi week work project that I need to wear "paint clothes" for 5 days a week.  I've got 2 pairs of pants and 3 shirts. I get dirty enough that I can't rewear things, and I can't wash paint clothes in with my partners nicer clothes.  So, that's two extra loads of laundry per week.  I could fix it by buying more clothes, and that's my dilemma. It's just a temporary project!  I don't need more clothes!  But it seems so wasteful to do two extra loads of laundry each week!

And now it is raining all weekend. We always air dry. We just check the weather and wait a day or two to do laundry if we need to. But I don't have that option with my paint clothes!  There is a dryer in this rental.  We often complain about how much space it takes up and wish we could get rid of it, but I guess I'll be using it this weekend.
Sometimes I blow up the page to make the font bigger. It means I can read the text more easily while I'm lolling in bed, but I can't see who wrote it. My first thought was "It's thrift store time." Then I moved the page to see the author. #nevermind and #preachingtothechoir, lol. I know you'll figure out a creative and super cost-effective solution..

BTW, my fave thrift store has everything 75% off today before they close to prep for the season changeover.  Not sure if I'll even bother to go. Don't really need anything...

I think once I get through this coming week the work will be cleaner and I'll be able to rewear things.  It has been such a silly dilemma. I just don't want to buy more, have more, store more! I did buy a heavy thrift shop sweater so I don't have to worry about ruining my nice ones. I'm balancing keeping a small wardrobe, dirty work and trying to look at least a little put together when I show up at the office to turn in paperwork.  Shew. 

Many of my "problems" come when I am combining frugality with living in a very small home.  We need laundry detergent.  Haven't bought in 8 years?? What do buy!? Larger quantities are more cost effective, 100 loads should last us a year... but couldn't it be in a smaller container!?! Where am I supposed to put that massive bottle?

This seems like the perfect time to "rent" some clothes from Goodwill.  Buy some cheap clothes, wear them a few times, then donate them back when you are done with the messy project.

blackd1

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Re: Mustachian People Problems (just for fun)
« Reply #6837 on: October 30, 2019, 12:18:17 PM »
The food always stuck in my mustache ;\

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #6838 on: November 02, 2019, 06:44:58 PM »
I had to lie on an application for a rental today.  It was online and would not take 0 for car payment and revolving cc. I put $1 each.  Then I got to the checkbox that verifies all information is true and correct. I did not want to check the box. 

I also checked no to allowing them to pull my rent from my bank account.  Is this normal?  Do landlords insist on this?  My monthly spend is 2x the rent and my monthly income gross is 6.5x rent.  I have a 800+ FICO.  Why should I be treated like a slug and allow strangers access to my account?

oldladystache

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Re: Mustachian People Problems (just for fun)
« Reply #6839 on: November 02, 2019, 07:19:01 PM »

I also checked no to allowing them to pull my rent from my bank account.  Is this normal?  Do landlords insist on this?  My monthly spend is 2x the rent and my monthly income gross is 6.5x rent.  I have a 800+ FICO.  Why should I be treated like a slug and allow strangers access to my account?

I would prefer to do it that way. I'd just have an extra (I have 4 now) savings account at Ally that I put enough in to cover the rent. They would have access to that account but no other.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6840 on: November 03, 2019, 01:43:08 AM »

I also checked no to allowing them to pull my rent from my bank account.  Is this normal?  Do landlords insist on this?  My monthly spend is 2x the rent and my monthly income gross is 6.5x rent.  I have a 800+ FICO.  Why should I be treated like a slug and allow strangers access to my account?

I would prefer to do it that way. I'd just have an extra (I have 4 now) savings account at Ally that I put enough in to cover the rent. They would have access to that account but no other.
In Germany it is totally normal that rent is taken from your account. Why not? If that guy takes out too much, you just click the box to take it back.
It is totally strange that a country that uses so much plastic to pay still uses cheques (I never have used a single one) and pays rent in cash. (Not least that would mean you have to go to your landlord each month?? Way too much trouble, they are 400m away ;) )

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6841 on: November 03, 2019, 03:10:14 AM »

I also checked no to allowing them to pull my rent from my bank account.  Is this normal?  Do landlords insist on this?  My monthly spend is 2x the rent and my monthly income gross is 6.5x rent.  I have a 800+ FICO.  Why should I be treated like a slug and allow strangers access to my account?

I would prefer to do it that way. I'd just have an extra (I have 4 now) savings account at Ally that I put enough in to cover the rent. They would have access to that account but no other.
In Germany it is totally normal that rent is taken from your account. Why not? If that guy takes out too much, you just click the box to take it back.
It is totally strange that a country that uses so much plastic to pay still uses cheques (I never have used a single one) and pays rent in cash. (Not least that would mean you have to go to your landlord each month?? Way too much trouble, they are 400m away ;) )

Yes, that would be totally normal in NL as well. I don't pay rent but my mortgage is on direct debit and so are all of my regular bills (phone, health insurance, energy, water, internet). I think it's extremely convenient, I just put a set amount of money in my bill-paying account every month and all my bills pay themselves automatically. Even my monthly investments are on direct debit. The only thing I actively do with my bank account is buying groceries and at the end of the month, transferring leftover spending money to savings and investments account.

You can always take the money back if you disagree and there's a big incentive for companies to follow the rules: if they keep sending in incorrect direct debits the bank may cancel their direct debit contract completely and that would be a very big inconvenience for the company.

From a business perspective direct debit is also way easier. I used to do bookkeeping for a company that had most invoices paid by direct debits and it's a bliss not to have to match every single payment to every single invoice (because so many people don't use the correct description with their payment).

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #6842 on: November 03, 2019, 07:23:28 AM »
I used direct debit for my mortgage. My last apartment took cheques. This one does direct debit, so much easier. And with online banking it is easy to check and make sure the transfer went through correctly.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #6843 on: November 03, 2019, 07:50:59 AM »

I also checked no to allowing them to pull my rent from my bank account.  Is this normal?  Do landlords insist on this?  My monthly spend is 2x the rent and my monthly income gross is 6.5x rent.  I have a 800+ FICO.  Why should I be treated like a slug and allow strangers access to my account?

I would prefer to do it that way. I'd just have an extra (I have 4 now) savings account at Ally that I put enough in to cover the rent. They would have access to that account but no other.
In Germany it is totally normal that rent is taken from your account. Why not? If that guy takes out too much, you just click the box to take it back.
It is totally strange that a country that uses so much plastic to pay still uses cheques (I never have used a single one) and pays rent in cash. (Not least that would mean you have to go to your landlord each month?? Way too much trouble, they are 400m away ;) )

Yes, that would be totally normal in NL as well. I don't pay rent but my mortgage is on direct debit and so are all of my regular bills (phone, health insurance, energy, water, internet). I think it's extremely convenient, I just put a set amount of money in my bill-paying account every month and all my bills pay themselves automatically. Even my monthly investments are on direct debit. The only thing I actively do with my bank account is buying groceries and at the end of the month, transferring leftover spending money to savings and investments account.

You can always take the money back if you disagree and there's a big incentive for companies to follow the rules: if they keep sending in incorrect direct debits the bank may cancel their direct debit contract completely and that would be a very big inconvenience for the company.

From a business perspective direct debit is also way easier. I used to do bookkeeping for a company that had most invoices paid by direct debits and it's a bliss not to have to match every single payment to every single invoice (because so many people don't use the correct description with their payment).

I think this may be a EU vs US thing - here, it is not at all easy to get back the money if too much was debited.  The bank views it as you gave this company access and therefore it is your responsibility, not theirs.  There is no "click the box to take it back."  You have to dispute it with the company (not the bank, who will not help), and persuade them to refund you.

For this reason, I've always been told to use the 'push' method, where you set up an auto-pay on your end which you can cancel, rather than give the company direct-debit access, where they 'pull' the payment from their end.  It is easier to correct errors when you control the auto-pay than when the company does (you can stop payment on the check through your bank), as they have no incentive to fix their errors promptly if they take too much by direct debit.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6844 on: November 03, 2019, 07:59:54 AM »

I also checked no to allowing them to pull my rent from my bank account.  Is this normal?  Do landlords insist on this?  My monthly spend is 2x the rent and my monthly income gross is 6.5x rent.  I have a 800+ FICO.  Why should I be treated like a slug and allow strangers access to my account?

I would prefer to do it that way. I'd just have an extra (I have 4 now) savings account at Ally that I put enough in to cover the rent. They would have access to that account but no other.
In Germany it is totally normal that rent is taken from your account. Why not? If that guy takes out too much, you just click the box to take it back.
It is totally strange that a country that uses so much plastic to pay still uses cheques (I never have used a single one) and pays rent in cash. (Not least that would mean you have to go to your landlord each month?? Way too much trouble, they are 400m away ;) )

Yes, that would be totally normal in NL as well. I don't pay rent but my mortgage is on direct debit and so are all of my regular bills (phone, health insurance, energy, water, internet). I think it's extremely convenient, I just put a set amount of money in my bill-paying account every month and all my bills pay themselves automatically. Even my monthly investments are on direct debit. The only thing I actively do with my bank account is buying groceries and at the end of the month, transferring leftover spending money to savings and investments account.

You can always take the money back if you disagree and there's a big incentive for companies to follow the rules: if they keep sending in incorrect direct debits the bank may cancel their direct debit contract completely and that would be a very big inconvenience for the company.

From a business perspective direct debit is also way easier. I used to do bookkeeping for a company that had most invoices paid by direct debits and it's a bliss not to have to match every single payment to every single invoice (because so many people don't use the correct description with their payment).

I think this may be a EU vs US thing - here, it is not at all easy to get back the money if too much was debited.  The bank views it as you gave this company access and therefore it is your responsibility, not theirs.  There is no "click the box to take it back."  You have to dispute it with the company (not the bank, who will not help), and persuade them to refund you.

For this reason, I've always been told to use the 'push' method, where you set up an auto-pay on your end which you can cancel, rather than give the company direct-debit access, where they 'pull' the payment from their end.  It is easier to correct errors when you control the auto-pay than when the company does (you can stop payment on the check through your bank), as they have no incentive to fix their errors promptly if they take too much by direct debit.

Yeah that sounds like a good reason to avoid direct debits over there! I can just open my internet banking app on my phone and undo any direct debit that was debited from my account in the last 60 or 90 days (not sure which) and I will get the money back immediately. Of course if I do that without a valid reason, I still owe that money to the company and they'll go after me for the payment, but at least I'll have my money back. A bank doesn't want the reputation damage from a rogue direct debit customer so they will certainly take measures when there's a suspicion of abuse by a company. I have set up auto-pay to some of my own accounts but it's not convenient to pay bills from big companies, because every bill has a unique invoice # so you'd have to update your auto-pay every month or risk them not being able to process the payment.

In a previous job I did a lot of international money transfers, and transfers within the EU all went perfectly, Australia was no big deal, but the American banking system is really a lot different than ours - it takes a long time for payments to arrrive and sometimes they don't arrive at all even if you've entered the correct details for the recipient into the system.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6845 on: November 03, 2019, 12:22:56 PM »
Quote
I think this may be a EU vs US thing
Yeah, fucking nobody-wants socialism or superior free market capitalism ;)

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #6846 on: November 03, 2019, 03:28:10 PM »
I know someone who's a landlord, and they have a very strong preference for direct debit (or some other sort of auto-pay), because it dramatically reduces the risk of non-payment.  There are all manner and sorts of situations where the tenant might forget (or "forget") to pay their rent, or spend their paycheck too quickly (they set it up so that rent goes out of the account on pay day), or something else.  There's no desire on my landlord-acquaintance's part to treat their tenants unfairly, it's simply a risk-mitigation strategy in a world where eviction is a long and expensive process, and a certain subset of the population knows how to exploit the system for as much free rent as possible.

nancyfrank232

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Mustachian People Problems (just for fun)
« Reply #6847 on: November 03, 2019, 06:01:35 PM »
I know someone who's a landlord, and they have a very strong preference for direct debit (or some other sort of auto-pay), because it dramatically reduces the risk of non-payment.  There are all manner and sorts of situations where the tenant might forget (or "forget") to pay their rent, or spend their paycheck too quickly (they set it up so that rent goes out of the account on pay day), or something else.  There's no desire on my landlord-acquaintance's part to treat their tenants unfairly, it's simply a risk-mitigation strategy in a world where eviction is a long and expensive process, and a certain subset of the population knows how to exploit the system for as much free rent as possible.

The landlord is lucky that their tenants didnít realize that this is illegal. Landlords are not allowed to refuse rent payments by check
« Last Edit: November 03, 2019, 06:04:10 PM by nancyfrank232 »

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6848 on: November 03, 2019, 07:09:03 PM »

The landlord is lucky that their tenants didnít realize that this is illegal. Landlords are not allowed to refuse rent payments by check

Your local laws are not universal.

nancyfrank232

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Mustachian People Problems (just for fun)
« Reply #6849 on: November 03, 2019, 07:11:45 PM »
Your local laws are not universal.

True. Post the state that your landlord is in and we can do a quick check
« Last Edit: November 03, 2019, 07:17:00 PM by nancyfrank232 »