Author Topic: Mustachian People Problems (just for fun)  (Read 858907 times)

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #850 on: December 13, 2014, 02:40:50 PM »
Someone may have mentioned this problem already, but this just happened to me---I went to use the cash machine and realized that I couldn't remember my PIN.
+1

I just use the same combination as my luggage: 1234
Lol remind me to change my luggage  combination
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Gerard

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Re: Mustachian People Problems (just for fun)
« Reply #851 on: December 23, 2014, 10:18:55 AM »
Someone may have mentioned this problem already, but this just happened to me---I went to use the cash machine and realized that I couldn't remember my PIN.
+1
I just use the same combination as my luggage: 1234
Lol remind me to change my luggage  combination

Your new combination will be hard to remember, so you should probably write it on your luggage. :-)

Also, Lego is a blend, not an acronym, so I'm not sure it deserves ALL CAPS. (It's from the Danish "leg godt", "play well".)

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Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #852 on: December 27, 2014, 05:18:40 PM »
As far as a know many credit unions are all connected and have reciprocal agreements to waive access fees for ATM use, essentially giving you free ATM access everywhere.  I don't use ATMs though, so you would need to check into that.  You can deposit checks with an app on your phone negating the need to ever step foot on bank/CU property to ever cash a check.  Depositing cash is another story and will require you do go into a physical location though.

I've just read through this entire thread (and enjoyed it very much!), and am excited that I have something to share on the topic above after a fortuitous learning experience earlier this very week.

I'm a member of an out-of-town credit union (which I signed up for due to a high-ish savings account APR a few years ago), and recently discovered that it's possible to make cash deposits at an ATM of a different local credit union through the ATM-sharing that frugalnacho described in the post above. 

The only reason DH and I were keeping an account at a local bank was for the ability to make cash deposits (as we could already deposit checks to the CU via our home office scanner)--this discovery that we can make cash deposits directly to the CU means we can now close the bank account and streamline the banking (and gain interest on the amount we had to keep in the bank account in order to avoid account fees!).

So if you do have a CU account, check to see if you might have similar ATM-sharing which would allow cash deposits--you may be pleasantly surprised!

sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #853 on: December 27, 2014, 05:57:51 PM »
You have a hard time enjoying stories without analyzing the household finances realistically. You're watching La Boheme, and you have a hard time getting swept up in the emotion because you're like 'If they're starving, why are they going to restaurants?'

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #854 on: December 27, 2014, 11:29:19 PM »
You're tired of the holiday driving and eating around. You even went out to eat once in the past few days and spent $30 on one burger and one beer and can't figure out how such a simple thing could cost so much. Oh well, a fun night out with friends.

So after a few days of driving around you are super excited to stay local close to home and your out of town friend calls and says they want to meet up with you, and would you like to drive about 20 miles away to go to dinner. Argh....the perfectly concocted plan to stay local is now in jeopardy.

So you suggest to your friend to come over, hang out on your nice back porch to have some wine and cheese. You even have some hummus and fruit to offer. Your friend can bring what she wants as well.

The friend replies back (and not kidding here...she has always been picky) and says she's cut dairy and can't eat hummus so she prefers to eat out at an expensive restaurant about 10 miles away. Whaaaaat? How can she turn down wine and good food under the stars on a beautiful Florida winter night at a friend's house? And by no means was the menu set in stone. I've got plenty of other things to offer.

So frustrating...but others are going too so I am not going to be the bad sport and will go anyways. I am so full from overeating the last few days that I will probably just order soup and take my revenge that way.
« Last Edit: December 27, 2014, 11:32:54 PM by Daisy »

Cressida

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Re: Mustachian People Problems (just for fun)
« Reply #855 on: December 27, 2014, 11:42:03 PM »
You're watching La Boheme, and you have a hard time getting swept up in the emotion because you're like 'If they're starving, why are they going to restaurants?'

Haha! I have TOTALLY thought this. And poor Colline, he sells his coat even though Mimě is pretty much already dead. Don't get me wrong, I get the pathos, but we nonetheless have to admit that the cash was wasted. :P
Mustachian people problems, indeed.

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Re: Mustachian People Problems (just for fun)
« Reply #856 on: December 28, 2014, 12:48:01 AM »
Unlikely to be any sort of kitchen or running water in a nineteenth century Parisian garret.  Pretty impossible to cook under those conditions, particularly when everything has to be from scratch because nothing is processed.

True about the coat, but there is a certain comfort in knowing one did what one could while someone was still alive - death is the one situation in which there are no do-overs and regrets hurt the most.
Be frugal and industrious, and you will be free (Ben Franklin)

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #857 on: December 29, 2014, 12:34:56 PM »
Update on my dinner out: the soup trick work perfectly and was barely noticed. I mentioned that I had had some wine and food with my neighbors on the porch before dinner. Stealth frugality. They spent $50 and I spent $10.

But the new twist...two friends are turning 50 in the next year or two. They both want to plan "destination birthdays". I was like...what? Their birthdays are 4 months apart.

One lives in Europe and had originally thought to have everyone fly over there, but she somewhat came to her senses and thought she should fly to the US (but not where we live) to celebrate.

Then the other who lives in the US wants to go to Europe for her destination birthday. She looked right at me and said "you'd better start saving your money". Now this friend works with me and knows of my unhappiness at work and my plans to retire early (she thinks 50). I just told her the other day that I wasn't sure I was going to make it to 50 at work with all of the changes going on. It's partly that, and partly that I just want to FIRE so I am laying the groundwork. And she is super spendy and will want to stay in expensive places and then use her birthday as the reason to "live it up".

I think it's highly presumptuous of them to think that people are going to go on two probably expensive trips within 4 months. I asked them how many people they thought would go. They think it will be a small group, maybe just us three possibly, but I have not committed to anything. I'd like to get together to celebrate though, but I doubt I will be going on two vacations where I can't be frugal, especially if I am out of a job by then.

When did destination birthdays become a thing? Destination weddings, bachelorettes, etc were annoying enough.

Another friend of mine talked her friend that was turning 40 recently against a weekend away on a Caribbean island because she told her nobody was going to spend the money. Just the flights alone would have been about $700.
« Last Edit: December 29, 2014, 12:39:25 PM by Daisy »

sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #858 on: December 29, 2014, 01:03:59 PM »
Unlikely to be any sort of kitchen or running water in a nineteenth century Parisian garret.  Pretty impossible to cook under those conditions, particularly when everything has to be from scratch because nothing is processed.

True about the coat, but there is a certain comfort in knowing one did what one could while someone was still alive - death is the one situation in which there are no do-overs and regrets hurt the most.

Sure but you can buy, like, bread and cheese for cheaper than the restaurant. And they have a stove so they could bring in water and cook over that--and they do have a frugal at-home dinner in the fourth act. But I agree we can't go completely judging them by modern standards, like, to them it's not a waste to buy medicine that we know won't work (sure, that cordial will absolutely cure tuberculosis!), or spending money on wine when that was a lot safer than water.

I think in some ways I enjoy it more because of these types of observations. Everyone knows Mimi's been sick for like months but only when it's too late do they make sacrifices.  Ah, human nature.

ETA: Oh, also, I'm not arguing that the economic system of the time wasn't fucked. These folks were obviously not going to become FIRE by cutting expenses a bit.
« Last Edit: December 29, 2014, 01:53:05 PM by sheepstache »

jba302

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Re: Mustachian People Problems (just for fun)
« Reply #859 on: December 29, 2014, 01:41:03 PM »

When did destination birthdays become a thing? Destination weddings, bachelorettes, etc were annoying enough.


Pretty sure I would be unfriending people that demanded I fly to another country for their damn birthday. I fought against enough destination bachelor parties (which required travel for the weddings anyway).

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #860 on: December 29, 2014, 01:52:53 PM »

When did destination birthdays become a thing? Destination weddings, bachelorettes, etc were annoying enough.


Pretty sure I would be unfriending people that demanded I fly to another country for their damn birthday. I fought against enough destination bachelor parties (which required travel for the weddings anyway).

Well, they've been friends of mine for a long time. We had travelled a bit together when we were in our 20s. So there is a precedent for the travel.

One of them is so picky and controlling and we figured that out during the trips abroad. So I tried to travel less with her since then, even though I like her a lot as a person. She just gets really picky about where to eat and ends up dominating the plans. Luckily she moved to Europe and I get to see her in shorter spurts which works well for our friendship. She was the one that actually said it would be ridiculous to have everyone fly to Europe for her birthday. She was going to pick a country she doesn't live in though, so it was still a destination requiring hotels and stuff. But she travels a lot for work and has free miles and stuff. But she's sticking with the US for her "party".

I'm almost tempted to say...sure, if you want to pay for my flight out there I'll go. The thing is if it is for their birthday, they are going to want to pick "the cutest place to stay", "the big dinners out", etc.

I guess if I thought I had endless employment in my future I'd be more OK with it just strictly thinking of the financial impact and absorb the costs (and not the presumptuosness of an expensive trip). But I've thrown so many hints of my desire to do something different with my life, that this is the last high paying job I'll have, that I won't make it to 50 employed...and still got this request.

I want to keep them as friends, but if they are true friends they should understand. I don't dump people that easily and still think we can be good friends even if I don't go on their birthday extravaganzas. I don't think many people are going to sign up for the trip either because they have children and can't go, or just find it too expensive. So I guess they are relying on me, the single friend that has the funds to go. BTW, they are also single.

I'd rather save my travel funds for future slow travel which is more frugal. I'd spend the same amount as they will on their trip, but actually get to spend a few months in Europe. I don't think they'd ever sign up to do something like that.

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #861 on: December 30, 2014, 06:50:32 AM »
But the new twist...two friends are turning 50 in the next year or two. They both want to plan "destination birthdays". I was like...what? Their birthdays are 4 months apart.

These 2 are friends with each other, right?  So why not have one combined birthday trip?  I did that this year with 5 friends of mine who were all having "milestone" birthdays.  It wasn't a frugal trip, to be sure, but at least there was only one.  We scheduled the trip when everyone could go, which actually wasn't over any one person's birthday, but covered the celebration for all.  It was our first "girls trip" since everyone started having kids a dozen years ago.

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #862 on: December 30, 2014, 09:23:31 AM »
But the new twist...two friends are turning 50 in the next year or two. They both want to plan "destination birthdays". I was like...what? Their birthdays are 4 months apart.

These 2 are friends with each other, right?  So why not have one combined birthday trip?  I did that this year with 5 friends of mine who were all having "milestone" birthdays.  It wasn't a frugal trip, to be sure, but at least there was only one.  We scheduled the trip when everyone could go, which actually wasn't over any one person's birthday, but covered the celebration for all.  It was our first "girls trip" since everyone started having kids a dozen years ago.

Yes, you'd think so, right? The thing is the one that lives in the US and wants to go to Europe wants her dream Paris trip, and the other one living in Europe has now come to her senses and wants a US trip (not where we all live though). The one living in Europe tends to dominate the plans so I think the US based friend doesn't want her trampling on her plans yet again. At least that's how I see it.

Oh well, I've gotten into way too much detail here. My main gripe was this "destination birthday" concept. I think it's just an excuse to travel together again which we haven't done in a while. That's all fine and dandy, but by labelling it their 50-year-old birthday trip they are going to dominate the plans and make it costly, because that's the kind of people they are. Not out of malice or anything, they just like to splurge.

We'll see see if my FIRE begins in 2015 or 2016. Perhaps I can turn it into a more slow travel type thing once on the trip, or not go at all. It wasn't what I had planned as my first step in FIRE so it's frustrating. But it's also nice to have friends that want to hang out with you so money isn't always the top concern.

I could also mention that MY desire for my 50 year old birthday is to be FIRE and their desires for 50 may be incompatible with that. But I don't turn 50 for another 4 years. There is probably a reason why these spendy single high-earning women with no children still can't FIRE at 50...hee hee...

Thanks for listening to my rant. ;-)

sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #863 on: December 31, 2014, 10:14:53 AM »
Your SO gets mad at you for pointing out he already has what he needs to solve a problem and doesn't need to buy something.

He needs to take digitized hand-written notes and was excited about the possibility of buying a tablet. I pointed out he could use his laptop that has a touchscreen.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #864 on: December 31, 2014, 05:50:54 PM »
Maybe not quite a Mustachian problem, but few non financially literate people will appreciate this one:
I get a supplemental fellowship of $5500 a year from my school in two parts, once in January and once in August. Well my school decided to post the January payment to my account yesterday. Meaning it is income for this year. I was just barely under the 25% bracket, and now most of that $2750 will get taxed at 25%. And then of course next year I'll get paid just $2750 in August. If I got paid $2750 in January like I am supposed to, I wouldn't be in the 25% bracket this year nor next year. UGH.

And it also throws off my calculations of tax withholding. Now time to go off and calculate if I need to make a quarterly tax payment to avoid a possible penalty....

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #865 on: December 31, 2014, 07:09:29 PM »
Maybe not quite a Mustachian problem, but few non financially literate people will appreciate this one:
I get a supplemental fellowship of $5500 a year from my school in two parts, once in January and once in August. Well my school decided to post the January payment to my account yesterday. Meaning it is income for this year. I was just barely under the 25% bracket, and now most of that $2750 will get taxed at 25%. And then of course next year I'll get paid just $2750 in August. If I got paid $2750 in January like I am supposed to, I wouldn't be in the 25% bracket this year nor next year. UGH.

And it also throws off my calculations of tax withholding. Now time to go off and calculate if I need to make a quarterly tax payment to avoid a possible penalty....

Before you go messing with all that, check your pay statement and 2014 W-2 (when it comes out).  My payday is Friday (Jan 2), but the money was direct deposited into my account today.  I was concerned about that at first, but my pay statement clearly says the pay date is Jan 2 and all my tax withholdings, etc, are applied to 2015.  I just get to use the money a few days early.  Maybe it is the same for you.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #866 on: December 31, 2014, 07:19:43 PM »
Maybe not quite a Mustachian problem, but few non financially literate people will appreciate this one:
I get a supplemental fellowship of $5500 a year from my school in two parts, once in January and once in August. Well my school decided to post the January payment to my account yesterday. Meaning it is income for this year. I was just barely under the 25% bracket, and now most of that $2750 will get taxed at 25%. And then of course next year I'll get paid just $2750 in August. If I got paid $2750 in January like I am supposed to, I wouldn't be in the 25% bracket this year nor next year. UGH.

And it also throws off my calculations of tax withholding. Now time to go off and calculate if I need to make a quarterly tax payment to avoid a possible penalty....

Before you go messing with all that, check your pay statement and 2014 W-2 (when it comes out).  My payday is Friday (Jan 2), but the money was direct deposited into my account today.  I was concerned about that at first, but my pay statement clearly says the pay date is Jan 2 and all my tax withholdings, etc, are applied to 2015.  I just get to use the money a few days early.  Maybe it is the same for you.
This is not wage income on a W-2. This is a fellowship payment issued by the bursar's office of my school, which shows up on a 1098-T. There is a chance that they will date the payment for 2015, but I will have to see. Hopefully that will come before the deadline for 2014 Q4 tax payments.
« Last Edit: December 31, 2014, 07:22:11 PM by johnny847 »

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Re: Mustachian People Problems (just for fun)
« Reply #867 on: December 31, 2014, 09:08:06 PM »
My girlfriend and I went to Kohl's today, because my grandma gave us each $50 gift cards ($100 total) for Christmas.  We could only find ~$60 of things we wanted (socks for me, gloves for her, and some minor cookware).  Oh well, at least the remaining card won't expire and we can use it for something in the future if need be.

It'd be nice if all giftcards were just to the grocery store.  It'd be so much easier to spend them.

Grid

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Re: Mustachian People Problems (just for fun)
« Reply #868 on: January 01, 2015, 01:40:41 PM »
Maybe not quite a Mustachian problem, but few non financially literate people will appreciate this one:
I get a supplemental fellowship of $5500 a year from my school in two parts, once in January and once in August. Well my school decided to post the January payment to my account yesterday. Meaning it is income for this year. I was just barely under the 25% bracket, and now most of that $2750 will get taxed at 25%. And then of course next year I'll get paid just $2750 in August. If I got paid $2750 in January like I am supposed to, I wouldn't be in the 25% bracket this year nor next year. UGH.

And it also throws off my calculations of tax withholding. Now time to go off and calculate if I need to make a quarterly tax payment to avoid a possible penalty....

Oo... sorry about that.  Exact same situation for me (fellowship, paid once in August and once in January, at $2500 a pop), but they clearly state the disbursement will happen in early January (thankfully).
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1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #869 on: January 02, 2015, 04:07:35 AM »
Both my crockpots were full yesterday (chili and spaghetti sauce) and they will be full again tomorrow! Black beans and navy beans are soaking overnight and will be cooked tomorrow. I used to have 3 crockpots but one broke :-(

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Re: Mustachian People Problems (just for fun)
« Reply #870 on: January 04, 2015, 06:58:15 AM »
I want to start working on my taxes but the new electronic forms aren't up until Jan 7.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #871 on: January 04, 2015, 07:02:46 AM »
I want to start working on my taxes but the new electronic forms aren't up until Jan 7.
Hahhaha I'm in the same boat!

mattm

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Re: Mustachian People Problems (just for fun)
« Reply #872 on: January 04, 2015, 08:28:30 AM »
I want to start working on my taxes but the new electronic forms aren't up until Jan 7.
Hahhaha I'm in the same boat!

Haha, me too. I would have gotten my taxes done on the 1st if I could.

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Re: Mustachian People Problems (just for fun)
« Reply #873 on: January 04, 2015, 10:07:53 AM »
I have trouble to enjoy spending money. I did backpacking for 2 years (a test early retirement) and it often happened that I ended up living cheap and not frugal missing out on a lot of fun which seemed too expensive at that time. It's still nagging at me. Although by that I could travel 26 months instead of 18. But then again quality vs. quantity. Had that problem all my life and I still can't handle it.
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tmac

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Re: Mustachian People Problems (just for fun)
« Reply #874 on: January 04, 2015, 10:17:05 AM »
It's my birthday today. I haven't been able to decide between getting new slippers (warm feet!) or a CL bike (fun and healthy transport!). I'm not willing to spend more so I can have both. So now I have neither.

KidneyMD

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Re: Mustachian People Problems (just for fun)
« Reply #875 on: January 04, 2015, 10:37:24 AM »
I want to start working on my taxes but the new electronic forms aren't up until Jan 7.
Hahhaha I'm in the same boat!

Haha, me too. I would have gotten my taxes done on the 1st if I could.

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kudy

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Re: Mustachian People Problems (just for fun)
« Reply #876 on: January 04, 2015, 11:08:05 AM »
I wonder what percentage of us love completing our taxes... I am anxiously awaiting all of my documents.

mattm

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Re: Mustachian People Problems (just for fun)
« Reply #877 on: January 04, 2015, 11:56:14 AM »
Are you Ned Flanders?

[/quote]

Hahahahaha! I forgot all about that episode!

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Re: Mustachian People Problems (just for fun)
« Reply #878 on: January 04, 2015, 11:57:03 AM »
I wonder what percentage of us love completing our taxes... I am anxiously awaiting all of my documents.
I did a spreadsheet estimate last week based on final paystubs.  I am very much looking forward to getting my paperwork in so I have final numbers and can file!

I bet this is a pretty common mustachian problem!

Emilyngh

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Re: Mustachian People Problems (just for fun)
« Reply #879 on: January 04, 2015, 12:08:36 PM »
I wonder what percentage of us love completing our taxes... I am anxiously awaiting all of my documents.
I did a spreadsheet estimate last week based on final paystubs.  I am very much looking forward to getting my paperwork in so I have final numbers and can file!

I bet this is a pretty common mustachian problem!

Yup!   

Just yesterday I used my last pay stub of the year to do our 2014 taxes (just waiting on final docs to file them) *and* did 8 variations of scenarios for 2015 taxes to see how various earnings/savings/sitches would play out.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #880 on: January 04, 2015, 12:13:36 PM »
Oh, I did the paycheck spreadsheet to determine withholdings for next year, several scenarios as well.  I fully expect life to change though and I'll have to switch things up when it does.

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Re: Mustachian People Problems (just for fun)
« Reply #881 on: January 04, 2015, 12:40:57 PM »
Oh, I did the paycheck spreadsheet to determine withholdings for next year, several scenarios as well.  I fully expect life to change though and I'll have to switch things up when it does.
If you're paid biweekly, and got your first paycheck this year on 1/2 or 1/1 (though I'm guessing not 1/1 because of the holiday), you may end up with 27 paychecks this year. I think I will - but I won't know for sure until the fiscal year for my employer ends 6/30, and they release the pay schedule for the rest of this year (I would have a paycheck on 1/1/2016, but usually employers pay one day early in the case of a bank holiday).

APowers

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Re: Mustachian People Problems (just for fun)
« Reply #882 on: January 04, 2015, 01:32:39 PM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.

Indexer

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Re: Mustachian People Problems (just for fun)
« Reply #883 on: January 04, 2015, 01:59:55 PM »
I've been watching football games with a friend at his house, and these things keep popping up in the middle of game.   They feature random people telling me that I need crap I don't really need... like boner pills and Cadillacs. 

I forgot what commercials were because I've had Netflix for 3 years. 

Same friend was also REALLY surprised when I told him he should sign up for a credit card offer he got in the mail that was 22% interest.  He was really surprised I was the one to say it because he knows I'm frugal.  I explained it was a cash back card so he could earn 1.5% cash back, and as long as he paid it in full every month... no interest.  I think I lost him at 'pay in full each month.'



My plans on new years day.  I did a cash flow analysis for 2014.  I've also already used my final paystub to pre fill most of my tax information. 

Nudelkopf

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Re: Mustachian People Problems (just for fun)
« Reply #884 on: January 04, 2015, 09:04:33 PM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.
Do you mean, like, plastic bags? What do you use as bin liners if you don't have plastic bags from the grocery store?

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Re: Mustachian People Problems (just for fun)
« Reply #885 on: January 04, 2015, 09:20:12 PM »
My plans on new years day.  I did a cash flow analysis for 2014.  I've also already used my final paystub to pre fill most of my tax information.

Ha! That's exactly what I did. I have everything ready to go and just have to wait for a few official forms to come in (in 2 or 3 months) then I can finally file.  I used to have a job where I issued the cheques and the T4's (Canadian income tax forms) I always had mine on Dec 31 at the latest. I miss that.

APowers

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Re: Mustachian People Problems (just for fun)
« Reply #886 on: January 05, 2015, 02:30:35 AM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.
Do you mean, like, plastic bags? What do you use as bin liners if you don't have plastic bags from the grocery store?

Yes, plastic bags. There have been days where we had none left in the cabinet, and the trash bin was verging on overfull. Most of our trash is diapers and dry waste, so if we didn't have liners, we'd survive okay, but we end up forcing ourselves to go to the grocery store and buy something that's on a good sale so we can stock up on some bags.

GardenFun

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Re: Mustachian People Problems (just for fun)
« Reply #887 on: January 05, 2015, 07:34:16 AM »
I wonder what percentage of us love completing our taxes... I am anxiously awaiting all of my documents.
I did a spreadsheet estimate last week based on final paystubs.  I am very much looking forward to getting my paperwork in so I have final numbers and can file!

I bet this is a pretty common mustachian problem!

Yup!   

Just yesterday I used my last pay stub of the year to do our 2014 taxes (just waiting on final docs to file them) *and* did 8 variations of scenarios for 2015 taxes to see how various earnings/savings/sitches would play out.

Same here.  Have the excel spreadsheet that gets updated throughout the year too.  Curious how close the estimated and actual return will be.  DH shakes head, laughs and starts singing the "It's the most wonderful time of the year" song and then says "Tax time!".   

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #888 on: January 05, 2015, 07:41:01 AM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.

You clearly don't shop at my Walmart.  My husband usually brings his own bags. One day I was unpacking them, and found both the milk and the eggs double bagged inside of a sack.  4 bags inside of 1.  When he goes shopping without his own bags, he easily comes home with 12, when 3 would have done fine. We don't get them that much but have an absolutely never ending supply of plastic bags. (That I sometimes remember to go take in for recycling.)

We use them as trash can liners too for the non-kitchen trash, but only use 1 every 2 or 3 weeks, so they don't go very fast.

Quote
I forgot what commercials were because I've had Netflix for 3 years. 
I either watch Netflix or shows I recorded on windows media player. I tried to watch a show live yesterday and turned it off 10 minutes in.  The commercials were horrid.

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #889 on: January 05, 2015, 08:45:34 AM »
I want to start working on my taxes but the new electronic forms aren't up until Jan 7.
Hahhaha I'm in the same boat!

Haha, me too. I would have gotten my taxes done on the 1st if I could.

Are you Ned Flanders?


LOL.  I did my taxes last week.  Of course I don't have any documents yet, so everything was just an estimate, just to get a ballpark figure of my return and i'll have to wait for my official documents to update it. 

merula

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Re: Mustachian People Problems (just for fun)
« Reply #890 on: January 05, 2015, 10:08:17 AM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.

Have you considered taking them from the plastic bag recycling drop-off? I was nearly at the point you're at, but then my across-the-hall neighbor put a bunch out with her recycling, so I took out her recycling when I took out my own and stole them.

Mustachian problem: finding a way not to attract stares when you're stealing used plastic bags.

APowers

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Re: Mustachian People Problems (just for fun)
« Reply #891 on: January 05, 2015, 11:23:51 AM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.

Have you considered taking them from the plastic bag recycling drop-off? I was nearly at the point you're at, but then my across-the-hall neighbor put a bunch out with her recycling, so I took out her recycling when I took out my own and stole them.

Mustachian problem: finding a way not to attract stares when you're stealing used plastic bags.

Haha! That's one way to recycle.

Adventine

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Re: Mustachian People Problems (just for fun)
« Reply #892 on: January 05, 2015, 11:48:14 AM »
I've also found that if you ask the supermarket cashier or bagger really, really nicely, they'll give you extra bags for free.

AvisJinx

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Re: Mustachian People Problems (just for fun)
« Reply #893 on: January 05, 2015, 11:54:01 AM »
Quote
I forgot what commercials were because I've had Netflix for 3 years. 
I either watch Netflix or shows I recorded on windows media player. I tried to watch a show live yesterday and turned it off 10 minutes in.  The commercials were horrid.

I started to watch a PBS program last night, but before the show even started there was one commercial or "funded by" announcement after the other.  So I decided to wait until the episode is released on their Roku channel and switched over to something on Netflix. I've actually gotten to the point where I won't even sit through a handful of public television commercials; and they're nowhere near as stupid as what's on regular broadcast TV.


NinetyFour

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Re: Mustachian People Problems (just for fun)
« Reply #894 on: January 05, 2015, 11:55:19 AM »
From what I have read, lots of those plastic bags will end up in the ocean.  I just found some horrific pictures of "islands of plastic", but decided not to post them here.

I use biodegradable plastic bags, but someone in the MMM forum pointed out that it probably takes a heck of a long time for them to degrade.  So I think I will switch to using paper bags.

Since I compost food scraps and do not generate meat scraps or eggshells, I rarely have anything wet in my garbage.
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iwasjustwondering

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Re: Mustachian People Problems (just for fun)
« Reply #895 on: January 05, 2015, 01:27:52 PM »
We use plastic grocery sacks for household trash can liners. But sometimes we run out because we don't go shopping often enough.

Quote
I forgot what commercials were because I've had Netflix for 3 years. 
I either watch Netflix or shows I recorded on windows media player. I tried to watch a show live yesterday and turned it off 10 minutes in.  The commercials were horrid.

Me too!  I don't watch commercial television at all, just Netflix.  Over the holiday, people were talking about all the movies they want to see, and I couldn't figure out how everyone knew all of these movies that were playing.  Then it hit me: they have seen commercials for them.  Of course!  :)

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #896 on: January 05, 2015, 01:39:08 PM »
From what I have read, lots of those plastic bags will end up in the ocean.  I just found some horrific pictures of "islands of plastic", but decided not to post them here.

I use biodegradable plastic bags, but someone in the MMM forum pointed out that it probably takes a heck of a long time for them to degrade.  So I think I will switch to using paper bags.
To make it short, biodegradable doesnt really work because most of nature isnt a bioreactor with optimum conditions.

The plastic sea is a big problem, but the ultra-tiny plastic thats left after it has broken down is likely to be more devastating then the bags, who just end up suffocating mammals or starving fish (because the bag-parts are in the stomach.)
There are beaches where 10% of the "sand" is plastic worn down. And even smaller it gets into plankton. Plastic is basically oil which is basically toxic *hint hint* and even if not, disturbing normal functions of the body. You do NOT want to damage plankton. Really. Even if you forget that plankton gets eaten by fish which gets eaten by us and the plastic ends up in us.

Apples

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Re: Mustachian People Problems (just for fun)
« Reply #897 on: January 05, 2015, 01:52:29 PM »
Oh, I did the paycheck spreadsheet to determine withholdings for next year, several scenarios as well.  I fully expect life to change though and I'll have to switch things up when it does.

This being my first full year in the working world, and now married, I'm having the darnedest time figuring out our correct withholding for 2015.  I've played around with a few scenarios, but they all involve lots of calculator work.  Would you be interested in sharing your spreadsheet? :)

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #898 on: January 05, 2015, 02:08:42 PM »
Oh, I did the paycheck spreadsheet to determine withholdings for next year, several scenarios as well.  I fully expect life to change though and I'll have to switch things up when it does.

This being my first full year in the working world, and now married, I'm having the darnedest time figuring out our correct withholding for 2015.  I've played around with a few scenarios, but they all involve lots of calculator work.  Would you be interested in sharing your spreadsheet? :)

Start with an approximation of what you'll be spending through the year (add to that your need to top off the e-fund if applicable) then run the calculations until you get to how much you forecast you will need. The rest is savings (HSA, IRA, 401k, Taxable, etc) and taxes.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #899 on: January 05, 2015, 03:00:38 PM »
Oh, I did the paycheck spreadsheet to determine withholdings for next year, several scenarios as well.  I fully expect life to change though and I'll have to switch things up when it does.

This being my first full year in the working world, and now married, I'm having the darnedest time figuring out our correct withholding for 2015.  I've played around with a few scenarios, but they all involve lots of calculator work.  Would you be interested in sharing your spreadsheet? :)
It's not much of a spreadsheet.  I start with expected income.  Then take away 2 personal exemptions.  Then take away the standard deduction (we can't itemize).  Then take away the $2,500 deduction for student loan interest (well, a bit less this year, finally!).  Last take away what we're putting into the 401-K and pre-tax medical.

What's left I calculate the 10% tax bracket, the 15%, and the 25%.

All of the actual numbers can be found using Google search.

Once you have the total amount of your expected tax, my recommendation would be to use Paycheck-city (a popular paycheck estimator) to adjust withholdings for just one of you until you find the setting that will have about the right amount of federal taxes withheld, then set your W-4 to that amount.

Right now ours is very easy because we're on one income.  But if that changes I plan on leaving DH's paycheck alone and adjusting mine to whatever is needed so we don't owe come tax time next year.

Did all of that make sense?