Mustachian People Problems (just for fun)

[Tardis81]

I’m not fully mustachian yet, it is my first year and I’m still learning. But made me smile how compared to the last year where I paid for Christmas with credit cards this year I was feeling grumpy that “Christmas is too expensive, my December’s saving rate is only 30%!»

[Alternatepriorities]

I’m not fully mustachian yet, it is my first year and I’m still learning. But made me smile how compared to the last year where I paid for Christmas with credit cards this year I was feeling grumpy that “Christmas is too expensive, my December’s saving rate is only 30%!»

Congratulations on the progress!

[SwordGuy]

I’m not fully mustachian yet, it is my first year and I’m still learning. But made me smile how compared to the last year where I paid for Christmas with credit cards this year I was feeling grumpy that “Christmas is too expensive, my December’s saving rate is only 30%!»

That is one major life change!   Bravo!   Well done!

[Fomerly known as something]

I got all of my 4th quarter dividends, now I have to wait 3 more months to see if/by how much they go up.

[gaja]

DD (11 y.o.) hates shopping. She has discovered that if she says she is going to save her birthday money, she doesn't have to go to a shop with her parents or grandparents to pick out gifts. Christmas has provided two MPPs:

1) Her savings account is getting quite healthy. The money she got when she was younger has been placed in a mutual fund, but she refuses to do that with her current savings. In her words, that would change them from savings to fundings, and that is not the same. I tried showing her the magic of compounding interests, but to no avail. So they will keep sitting there, "earning" 1.5 %...

2) Instead of money, her aunt gave her a gift sertificate for Christmas. She tried "forgetting" and "misplacing" it a couple of times, until I took pity on her and bought it from her (with a money transfer to her savings account). But now I have to remember using the card within the next 12 months. Hopefully, the local grocery store will accept it. 

[Freedomin5]

For Christmas, my family doesn’t really give gifts since we all have more than we need. So instead of giving things, I’ve been cooking and baking for them. Our MPP is that we are now all getting fat from the baked goods. Now off to make some waffles for breakfast!

[boridi]

Things didn't work out at job in first half of 2019 and started a lower paying job in the second half of 2019. Lower paying job plus a lot of pre-tax contributions at both jobs means taxable income is much lower, so I have $2500 worth of space for long-term capital gains at the 0% rate.

[rantk81]

Things didn't work out at job in first half of 2019 and started a lower paying job in the second half of 2019. Lower paying job plus a lot of pre-tax contributions at both jobs means taxable income is much lower, so I have $2500 worth of space for long-term capital gains at the 0% rate.

Gains aren't subject to wash-sale rules, so take advantage of any unrealized gains you have!  Might consider selling and re-purchasing the same investments, to "step up" your basis, without paying tax on it!

[trashtalk]

It was mildly cumbersome to put on boots and a jacket before I went outside to harvest one of our homegrown lemons for zesting.

[bluebelle]

My MPP?   I want to rant about the amount of income tax I pay, but to do so would effectively tell people my salary, which IMHO is bragging.   So I'll come here and bitch.....I pay more in income tax that the median household income in Canada.....and I don't consider myself high salary (based on some of the salaries posted here).

SOOOOOOOOO looking forward to 2021, when I FIR - a little E, and the government can suck someone else dry.   

[SwordGuy]

My MPP?   I want to rant about the amount of income tax I pay, but to do so would effectively tell people my salary, which IMHO is bragging.   So I'll come here and bitch.....I pay more in income tax that the median household income in Canada.....and I don't consider myself high salary (based on some of the salaries posted here).

SOOOOOOOOO looking forward to 2021, when I FIR - a little E, and the government can suck someone else dry.

At least you get health care for your tax money.   Count your blessings.

[boridi]

Things didn't work out at job in first half of 2019 and started a lower paying job in the second half of 2019. Lower paying job plus a lot of pre-tax contributions at both jobs means taxable income is much lower, so I have $2500 worth of space for long-term capital gains at the 0% rate.

Gains aren't subject to wash-sale rules, so take advantage of any unrealized gains you have!  Might consider selling and re-purchasing the same investments, to "step up" your basis, without paying tax on it!

The sell and repurchase is happening on Dec 30! More of a silver lining than a problem, I guess.

[secondcor521]

Things didn't work out at job in first half of 2019 and started a lower paying job in the second half of 2019. Lower paying job plus a lot of pre-tax contributions at both jobs means taxable income is much lower, so I have $2500 worth of space for long-term capital gains at the 0% rate.

Gains aren't subject to wash-sale rules, so take advantage of any unrealized gains you have!  Might consider selling and re-purchasing the same investments, to "step up" your basis, without paying tax on it!

State income tax may be owed on the "0% gain".  And any realized capital gain affects ACA premium tax credits and FAFSA EFC.

[pdxmonkey]

I need an odd $9 part that isn't available locally. I don't have Amazon prime and u can't think of what else to get to total $25 or more to get free shipping. So it's been sitting in my cart for a week and will probably sure there a while longer until there is something else I need. This is silly because I have the money at this point.

I consider myself FI at this point. I'm getting close to being able to pull the trigger. Based on the 4% rule I can spend $400 more a month this year than last year. I'm not sure if I can find a way to spend that much more without being frivolous, but if I don't that's a very good thing as that could potentially be the amount needed for healthcare in RE.

[Threshkin]

I need an odd $9 part that isn't available locally. I don't have Amazon prime and u can't think of what else to get to total $25 or more to get free shipping. So it's been sitting in my cart for a week and will probably sure there a while longer until there is something else I need. This is silly because I have the money at this point.

I consider myself FI at this point. I'm getting close to being able to pull the trigger. Based on the 4% rule I can spend $400 more a month this year than last year. I'm not sure if I can find a way to spend that much more without being frivolous, but if I don't that's a very good thing as that could potentially be the amount needed for healthcare in RE.

So don't spend it.  Invest it.  There is no requirement that you spend 4%.  There are also some pretty good arguments that 4% is too high, especially if you are younger and are looking at time frames of more than 30 years. go.

[rantk81]

I need an odd $9 part that isn't available locally. I don't have Amazon prime and u can't think of what else to get to total $25 or more to get free shipping. So it's been sitting in my cart for a week and will probably sure there a while longer until there is something else I need. This is silly because I have the money at this point.

I consider myself FI at this point. I'm getting close to being able to pull the trigger. Based on the 4% rule I can spend $400 more a month this year than last year. I'm not sure if I can find a way to spend that much more without being frivolous, but if I don't that's a very good thing as that could potentially be the amount needed for healthcare in RE.

I have Prime... but when I am in similar situations at other retailers (or where there is some kind of incentive to spend $xx more), I will search the site for any shelf-stable consumer-staple-type items that I know I use eventually "anyway", and stock up!  (As long as the prices for such items are in-line with what I'm accustomed to paying.)

[Sibley]

I ordered curtains for a bedroom. They came, and are not the color as advertised. Ok, it happens when you order online. Go to return them, and shit. Cash refund? Pay return shipping. Store credit refund? Free return shipping.

So now I have $38 in store credit at Joss and Main. I've looked. I don't like their stuff (I didn't pick out these curtains). Ugh.

If anyone would like to buy something there, let me know. I'm happy to work out an exchange of some sort.

[dragoncar]

I ordered curtains for a bedroom. They came, and are not the color as advertised. Ok, it happens when you order online. Go to return them, and shit. Cash refund? Pay return shipping. Store credit refund? Free return shipping.

So now I have $38 in store credit at Joss and Main. I've looked. I don't like their stuff (I didn't pick out these curtains). Ugh.

If anyone would like to buy something there, let me know. I'm happy to work out an exchange of some sort.

Joss and main is part of a big parent company.. (way fair) take a look at their other stores maybe you can use it there

[Dicey]

I need an odd $9 part that isn't available locally. I don't have Amazon prime and u can't think of what else to get to total $25 or more to get free shipping. So it's been sitting in my cart for a week and will probably sure there a while longer until there is something else I need. This is silly because I have the money at this point.

I consider myself FI at this point. I'm getting close to being able to pull the trigger. Based on the 4% rule I can spend $400 more a month this year than last year. I'm not sure if I can find a way to spend that much more without being frivolous, but if I don't that's a very good thing as that could potentially be the amount needed for healthcare in RE.

In our experience, often the same item on eBay plus shipping comes out ahead of Amazon. Worth a look.

[BTDretire]

I take dates out in a 23 year old truck with 508,000 miles on it

508k miles!  That is fantastic.  What kind of truck?

That post is from five years ago and surfhb has deleted their account so unfortunately we may never know.

I did some forum searching just for you. It was a 1993 Toyota Pickup:

My 93 Toyota Pick Up could have been retired many times but I decided to fix the issue instead.....512,000 miles and still going.

Wow, at the rate I put miles on my 97 Toyota truck I'll be driving it in, 2067.
I'll be driving it a little slower though, I'll be 111 yrs old.
It's only got 110,000 miles on it now.

[Dicey]

I take dates out in a 23 year old truck with 508,000 miles on it

508k miles!  That is fantastic.  What kind of truck?

That post is from five years ago and surfhb has deleted their account so unfortunately we may never know.

I did some forum searching just for you. It was a 1993 Toyota Pickup:

My 93 Toyota Pick Up could have been retired many times but I decided to fix the issue instead.....512,000 miles and still going.

Wow, at the rate I put miles on my 97 Toyota truck I'll be driving it in, 2067.
I'll be driving it a little slower though, I'll be 111 yrs old.
It's only got 110,000 miles on it now.

My MPP is that sometimes people who's stories you are enjoying just disappear. @surfhb is one, @serpentstooth is another. And man, I miss @sol, even though he warned us he was going.  Sometimes, people you're rooting for get themselves banned, like dagiffey01 or boarder42.

It's like I know I've forgotten something, but can't quite remember what. In my mind, they're all FIRE and living happily ever after, but the vague sense of loss is real.
.
MPP indeed.

[dragoncar]

My MPP is that sometimes people who's stories you are enjoying just disappear. @surfhb is one, @serpentstooth is another. And man, I miss @sol, even though he warned us he was going.  Sometimes, people you're rooting for get themselves banned, like dagiffey01 or boarder42.

It's like I know I've forgotten something, but can't quite remember what. In my mind, they're all FIRE and living happily ever after, but the vague sense of loss is real.
.
MPP indeed.

Don’t worry, I heard they are all living upstate on a farm.  Lots of space to run around.  Living the FIRE life.  Boarder has a huge mortgage

[Dicey]

My MPP is that sometimes people who's stories you are enjoying just disappear. @surfhb is one, @serpentstooth is another. And man, I miss @sol, even though he warned us he was going.  Sometimes, people you're rooting for get themselves banned, like dagiffey01 or boarder42.

It's like I know I've forgotten something, but can't quite remember what. In my mind, they're all FIRE and living happily ever after, but the vague sense of loss is real.
.
MPP indeed.

Don’t worry, I heard they are all living upstate on a farm.  Lots of space to run around.  Living the FIRE life.  Boarder has a huge mortgage

Lol, I know for a fact that B42 has re-fi'd at least once since being shown the door here.

Glad to hear everyone's doing fine ;-)

[Imma]

Today is a lovely sunny day and I'm home all day. Perfect day for line drying.... But I don't have a full load of laundry :(

[Alternatepriorities]

Last quarter I waited to pay myself from my business earnings until after I knew how to optimize the taxes. I saved myself a couple thousand dollars by doing so...

MMP: We're refinancing our house. The bank is concerned our checking account doesn't have enough money to close. We have plenty of cash, but it's in the wrong accounts and moving it triggers alarms which requires more research by them and delays things. The stupidest part is that I probably missed out on as much money in capital gains as I saved in taxes with the market run up since the beginning of Q4... On second thought The stupidest part is we have enough physical cash (bought stuff for family on CC and they gave me cash) to cover closing but depositing it would just raise another flag.

[Taran Wanderer]

Don’t you love people / organizations that are so formula driven in the name of good decision making that they can’t make a good decision when it doesn’t fit their formula?

[Alternatepriorities]

Don’t you love people / organizations that are so formula driven in the name of good decision making that they can’t make a good decision when it doesn’t fit their formula?

I wonder how many of us Mustachians have run into some version of this problem when buying a home... Of course it worked in my favor in 2011 when i bought a "vacation home" with my sister. Normal job with sufficient income? Check! Credit score? Check! 20% down? Check! Yes, Mr. Alternatepriorities it appears you check all the boxes you can buy a vacation home 3k  miles from your job and let your sister take care of it for you. You just need to visit your sister vacation home once a year...

[zolotiyeruki]

Don’t you love people / organizations that are so formula driven in the name of good decision making that they can’t make a good decision when it doesn’t fit their formula?

I wonder how many of us Mustachians have run into some version of this problem when buying a home... Of course it worked in my favor in 2011 when i bought a "vacation home" with my sister. Normal job with sufficient income? Check! Credit score? Check! 20% down? Check! Yes, Mr. Alternatepriorities it appears you check all the boxes you can buy a vacation home 3k  miles from your job and let your sister take care of it for you. You just need to visit your sister vacation home once a year...

Heh, we did the same thing when we last moved--our new "vacation" home (1,000 miles away), is three times the size of our old permanent home, but we were under the debt-to-income ratio, so we were ok!

[Sibley]

I ordered curtains for a bedroom. They came, and are not the color as advertised. Ok, it happens when you order online. Go to return them, and shit. Cash refund? Pay return shipping. Store credit refund? Free return shipping.

So now I have $38 in store credit at Joss and Main. I've looked. I don't like their stuff (I didn't pick out these curtains). Ugh.

If anyone would like to buy something there, let me know. I'm happy to work out an exchange of some sort.

Joss and main is part of a big parent company.. (way fair) take a look at their other stores maybe you can use it there

In case anyone is curious - yes, the store credit is transferable to wayfair. Which is more to my liking anyway.

[SwordGuy]

Don’t you love people / organizations that are so formula driven in the name of good decision making that they can’t make a good decision when it doesn’t fit their formula?

I wonder how many of us Mustachians have run into some version of this problem when buying a home... Of course it worked in my favor in 2011 when i bought a "vacation home" with my sister. Normal job with sufficient income? Check! Credit score? Check! 20% down? Check! Yes, Mr. Alternatepriorities it appears you check all the boxes you can buy a vacation home 3k  miles from your job and let your sister take care of it for you. You just need to visit your sister vacation home once a year...

Heh, we did the same thing when we last moved--our new "vacation" home (1,000 miles away), is three times the size of our old permanent home, but we were under the debt-to-income ratio, so we were ok!

Just went thru my first mortgage post-FIRE.    It was awful.

On day one I told them I wasn't drawing on my stock and bond portfolio (other than RMDs) because we lived frugally.   So all they had to do was tell us how much income we needed and Voila!, it would be arranged for the next business day. 

The goobers diddled for 2 weeks and couldn't do it.   Niggled on depreciation on our rental properties.  (They were wrong!)   Niggled on other pointless crap.   

Finally, I started reading the online Freddie Mac and Fannie Mae guidelines for asset based loans and told them how much I was taking out and from where.   Then, suddenly, they discovered we had enough money.

This is despite the fact that we could pay cash for the property and another 3 1/2 just like it if we wanted to.

Lordy!   If it wasn't for having to pay taxes on taking out all that money during one year, I would have told them FU and paid cash.

So, I strongly advise reading those guidelines BEFORE starting to shop for a house if you're going to use an asset based loan.   Then, set your budget and set up your automatic withdrawal so that it shows up on two bank statements in a row.   Then look for the property.    Don't count on those goobers being able to figure it out for themselves.

[Imma]

A friend of mine is going through that bullshit now. Their new build is mostly self-funded and DIY with a tiny mortgage and the option of extending that a little bit. They need like 25k extra but because they've passed a certain time limit they can't extend that mortgage but need to apply for a new one. And they need to raise a new downpayment. Doesn't seem to matter they've paid cash for most of the build and that when finished, it will be worth 6 figures more than what they owe. Looks like saving up the money to complete will be quicker than getting a mortgage.

If they hadn't done this silly thing of building their own home at a low cost, they would quality for a mortgage on an existing home twice as high as the mortgage they are requesting now because that would fit in the neat categories that the bank uses.

[BTDretire]

My first MPP, This my first year of retirement.
 I paid in two quarterlies this year, I forgot the first one, paid some extra on the 2nd one, paid the 3rd one and skipped the 4th. Total about $6,900.
 Now, because almost all of my income is from LTCGs and my total income is under $103,150, I'll owe zero taxes, if I have it figured correct.
 I gave my money to the government for nothing.

[simple money]

The bruises I got on my arms from fixing the washing machine myself.

[AnnaGrowsAMustache]

The bruises I got on my arms from fixing the washing machine myself.

Hahha, this made me chuckle. I've had many, many mustachian bruises.

[Mighty Eyebrows]

they would quality for a mortgage on an existing home twice as high as the mortgage they are requesting now

Ah yes.

Rule number one: The bank is not your friend. Any financing you happen to get is a bonus. Don't expect mortgages to be easy, especially in the future...

Rule number two: Bank employees, like government employees, are not there to make your life easier. They aren't malicious (mostly), but it is just up to you to figure out the system, because they (probably) won't really help you.

Rule number three: Occasionally you meet awesome helpful people, but don't count on it.

It all comes back to the basic Mustachian truism: You make your own luck!

[Monerexia]

they would quality for a mortgage on an existing home twice as high as the mortgage they are requesting now

Ah yes.

Rule number one: The bank is not your friend. Any financing you happen to get is a bonus. Don't expect mortgages to be easy, especially in the future...

Rule number two: Bank employees, like government employees, are not there to make your life easier. They aren't malicious (mostly), but it is just up to you to figure out the system, because they (probably) won't really help you.

Rule number three: Occasionally you meet awesome helpful people, but don't count on it.

It all comes back to the basic Mustachian truism: You make your own luck!

So true! First home I bought I had over 20% down and kept wondering when they would ask me how much I wanted to put down. Kept going through the process for six weeks or so and get to closing and it's a little over 3% and I'm thinking okay, I guess I'll just put that down and maybe use the money for something else or pay down the mortgage later. Turns out of course they roped me into PMI and I didn't discover this for about three years until I got a clue. Never once did they bring up I could save a boatload of money with a bigger down payment. Seems like that's the first thing you'd tell somebody.

[Sugaree]

The free, mostly unmaintained, app that I've been using for the last five years to organize recipes and create shopping lists announced via email yesterday that they were moving to a subscription model.  I'm perturbed for a few reasons.  The first is the developers basically ghosted the app for more than two years and are now surprising everyone with this.  Secondly, if I'd seen some sign of new development (or, you know, fixing the problems with the current app) I might be willing to pay for it, but given the past flakiness I'm not at all convinced that any new development will take place.  For that matter, I'd be perfectly happy to use an as-is, ad-supported version and their advanced features could be a subscription-based add-on.  Third, why in the world would anyone use a $36/year product when a similar enough product exists for a $5 one-time fee?  Finally, the email that everyone got says "But, don't worry, if you decide to activate your subscription at a later date, your recipes will be waiting for you."  That just feels like they are trying to hold our recipes hostage (there is no native export option, though there are a couple of ways around this). 

[rantk81]

The free, mostly unmaintained, app that I've been using for the last five years to organize recipes and create shopping lists announced via email yesterday that they were moving to a subscription model.  I'm perturbed for a few reasons.  The first is the developers basically ghosted the app for more than two years and are now surprising everyone with this.  Secondly, if I'd seen some sign of new development (or, you know, fixing the problems with the current app) I might be willing to pay for it, but given the past flakiness I'm not at all convinced that any new development will take place.  For that matter, I'd be perfectly happy to use an as-is, ad-supported version and their advanced features could be a subscription-based add-on.  Third, why in the world would anyone use a $36/year product when a similar enough product exists for a $5 one-time fee?  Finally, the email that everyone got says "But, don't worry, if you decide to activate your subscription at a later date, your recipes will be waiting for you."  That just feels like they are trying to hold our recipes hostage (there is no native export option, though there are a couple of ways around this).

My family uses Google Docs and Google Keep to share and organize lists and things... no cost!

[Sugaree]

The free, mostly unmaintained, app that I've been using for the last five years to organize recipes and create shopping lists announced via email yesterday that they were moving to a subscription model.  I'm perturbed for a few reasons.  The first is the developers basically ghosted the app for more than two years and are now surprising everyone with this.  Secondly, if I'd seen some sign of new development (or, you know, fixing the problems with the current app) I might be willing to pay for it, but given the past flakiness I'm not at all convinced that any new development will take place.  For that matter, I'd be perfectly happy to use an as-is, ad-supported version and their advanced features could be a subscription-based add-on.  Third, why in the world would anyone use a $36/year product when a similar enough product exists for a $5 one-time fee?  Finally, the email that everyone got says "But, don't worry, if you decide to activate your subscription at a later date, your recipes will be waiting for you."  That just feels like they are trying to hold our recipes hostage (there is no native export option, though there are a couple of ways around this).

My family uses Google Docs and Google Keep to share and organize lists and things... no cost!

I've looked into that.  I have found an app that is currently free and will import recipes from the other app.  I suspect that he's going to get a huge bump in bandwidth soon because of this and will have to start charging too.  But at least he has an export option with a couple of different formats.  I'd started building an Access dB to hold my recipes and create my shopping lists (this is the most important feature to me), but actually getting all  400+ recipes that I'd collected into it has proven difficult.

[frugalnacho]

The free, mostly unmaintained, app that I've been using for the last five years to organize recipes and create shopping lists announced via email yesterday that they were moving to a subscription model.  I'm perturbed for a few reasons.  The first is the developers basically ghosted the app for more than two years and are now surprising everyone with this.  Secondly, if I'd seen some sign of new development (or, you know, fixing the problems with the current app) I might be willing to pay for it, but given the past flakiness I'm not at all convinced that any new development will take place.  For that matter, I'd be perfectly happy to use an as-is, ad-supported version and their advanced features could be a subscription-based add-on.  Third, why in the world would anyone use a $36/year product when a similar enough product exists for a $5 one-time fee?  Finally, the email that everyone got says "But, don't worry, if you decide to activate your subscription at a later date, your recipes will be waiting for you."  That just feels like they are trying to hold our recipes hostage (there is no native export option, though there are a couple of ways around this).

My family uses Google Docs and Google Keep to share and organize lists and things... no cost!

I've looked into that.  I have found an app that is currently free and will import recipes from the other app.  I suspect that he's going to get a huge bump in bandwidth soon because of this and will have to start charging too.  But at least he has an export option with a couple of different formats.  I'd started building an Access dB to hold my recipes and create my shopping lists (this is the most important feature to me), but actually getting all  400+ recipes that I'd collected into it has proven difficult.

We use Our Groceries for shopping lists.  It's free and it syncs with multiple devices and updates in real time.  We have on going lists for a number of stores.

For recipes we use a combination of allrecipes and printed hard copies.  We also usually put it into an email and email it to ourselves in case we ever need it in the future.

[imadandylion]

My Mustachian problem: Not being able to wear certain outfits that I want to wear because I have to cycle everywhere, because we don't have a car. And I'm too cheap for a Lyft or public transportation. Those costs add up!

@Sugaree  It's a small fee (but one-time/lifetime) per device ($4.99) but my husband and I did some research on meal planning apps (that help manage shopping lists) and we settled on Paprika. However, you only need one account and can sync to all devices, so it's pretty nice. I think if you have IOS/apple phones you can just share the app instead of re-buying them on multiple phones via family sharing (of apps). Unfortunately Android phones/Google does not allow family sharing of many apps including this. The app is totally worth it, though.

[ixtap]

My Mustachian problem: Not being able to wear certain outfits that I want to wear because I have to cycle everywhere, because we don't have a car. And I'm too cheap for a Lyft or public transportation. Those costs add up!

We just put a change of clothes in the panniers.

[Sugaree]

@imadandylion, I looked at the demo version of Paprika last night.  I do like almost everything about it and would actually be willing to pay a one time fee for it.  I especially like the in-app browser and recipe import.  So easy.  Right now though, I've settled on RecipeSage because I was able to import my recipes into it.  I may end up using them in conjunction with each other for awhile. 

[sui generis]

My Mustachian problem: Not being able to wear certain outfits that I want to wear because I have to cycle everywhere, because we don't have a car. And I'm too cheap for a Lyft or public transportation. Those costs add up!

We just put a change of clothes in the panniers.

I have this problem with walking everywhere.  Particularly because I have had surgery on my feet so definitely never walk any distance in anything other than athletic shoes with custom orthotics.  But if we are going out to a nice dinner or event, I'd like to wear something nicer!  I don't have a purse big enough to put my athletic shoes in when I get to a restaurant (nor often the space in the restaurant to put a purse that's big enough!), but if an event has a coat check, I do do that.  Otherwise, I very rarely dress up nowadays because everywhere we go requires walking to get there, so I just don't get to :(

[imadandylion]

My Mustachian problem: Not being able to wear certain outfits that I want to wear because I have to cycle everywhere, because we don't have a car. And I'm too cheap for a Lyft or public transportation. Those costs add up!

We just put a change of clothes in the panniers.

Not really practical to change every time though if you're meeting up with people, going to an event, etc.

[dhc]

Had a baby this year and forgot to re-do W4s, so unlike most people who'd be thrilled at a surprisingly large refund, I'm annoyed at myself for giving the government an interest-free loan.

[eyesonthehorizon]

Despite recklessly buying whatever fancy treats I felt like having over the holidays and a few monster meals out, I'm behind schedule [clarity edit: underbudget] since the summer in spending on car maintenance, gas, entertainment, alcohol, restaurants, and groceries, even on a fairly mustachian budget of about $310/mo for all the above... but significantly overbudget on charity. (Best kind of oops?)

[horsepoor]

https://mobile.twitter.com/reachrachelkahn/status/1219974522792808448?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1219974522792808448&ref_url=https%3A%2F%2Fgod.dailydot.com%2Fhr-letter-employee-car%2F

Not sure if the link will work, but MPP : employer assumes financial problems because you drive an ugly old beater.  Of course they should be more concerned about the people who have expensive car payments and mortgages...

[RWD]

https://mobile.twitter.com/reachrachelkahn/status/1219974522792808448

Not sure if the link will work, but MPP : employer assumes financial problems because you drive an ugly old beater.  Of course they should be more concerned about the people who have expensive car payments and mortgages...

There has been some speculation that that is fake:
https://jalopnik.com/that-awful-email-about-an-employees-old-car-may-not-be-1841161501

Discussion on these forums:
https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/'it's-perfectly-legal-for-your-boss-to-tell-you-to-drive-a-nicer-car'/

[Hirondelle]

My Mustachian problem: Not being able to wear certain outfits that I want to wear because I have to cycle everywhere, because we don't have a car. And I'm too cheap for a Lyft or public transportation. Those costs add up!

We just put a change of clothes in the panniers.

Not really practical to change every time though if you're meeting up with people, going to an event, etc.

What kind of clothes can't you wear if you're on a bike??