Author Topic: Mustachian People Problems (just for fun)  (Read 811196 times)

Lmoot

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Re: Mustachian People Problems (just for fun)
« Reply #950 on: January 20, 2015, 03:28:42 AM »
Thank you goldielocks :) I don't know about learning from me, I'm still learning!

Kris

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Re: Mustachian People Problems (just for fun)
« Reply #951 on: January 23, 2015, 04:51:53 PM »
Sort of a Mustachian problem:

I was going to work this morning, musing about our finances, and had the thought: "Hm, it's really funny how quickly one can accumulate another $100,000."

...

And quickly realized I can never, ever say that out loud to anyone but my husband!  :-)
"Well I'm sure I'd feel much worse if I weren't under such heavy sedation."   - David St. Hubins, This is Spinal Tap

sunshine

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Re: Mustachian People Problems (just for fun)
« Reply #952 on: January 23, 2015, 05:28:27 PM »
I can't contribute to the fun at the bar had every night  talk followed by the I'm so broke talk at work. So sad.
« Last Edit: January 23, 2015, 06:02:07 PM by sunshine »

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #953 on: January 23, 2015, 06:21:39 PM »
I can't contribute to the fun at the bar  every night and I'm so broke conversations at work. So sad.
Pretend you're broke because you max your 401k contributions so your take home pay is low! =P

At my school, full time staff and faculty have access to a 401a (defined pension thingy with mandatory 6% pre tax contributions), 403b, and 457b. The contribution limits for a 403b and a 457b are $18,000 EACH. You can max out both of them simultaneously.

So a single person at my school earning $80k, significantly more than the median household income in this country, could have a AGI of just 39200. After federal, state, and FICA taxes, and all those retirement contributions, the take home pay is whittled down to just $2279 a month or $27344 a year. And of course, assuming that this person is has no debts and is Mustachian, he would try to max out a Roth IRA as well.

I'm pretty sure that there would be a significant number of Americans that would claim they're broke at $2279/month of take home pay. The median household income of roughly 50,000 would result in a take home pay of $40572 or $3381, assuming this household is two adults in my state, and no tax credits or deductions (other than the standard deduction of course). That's quite a bit more take home pay than the example above (though admittedly, I'm implicitly comparing a household's expenses to a single person's expenses. But not all expenses scale linearly with more people - the most prominent example being housing).

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #954 on: January 23, 2015, 06:40:48 PM »
I can't contribute to the fun at the bar had every night  talk followed by the I'm so broke talk at work. So sad.

What's the correct response to "I'm so broke" from coworkers or casual acquaintances? I usually go with "Oh , that sucks" or "I hope things get better", but those don't seem to be quite right.
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sunshine

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Re: Mustachian People Problems (just for fun)
« Reply #955 on: January 23, 2015, 07:58:23 PM »
I can't contribute to the fun at the bar had every night  talk followed by the I'm so broke talk at work. So sad.

What's the correct response to "I'm so broke" from coworkers or casual acquaintances? I usually go with "Oh , that sucks" or "I hope things get better", but those don't seem to be quite right.

In my head I think " Sucks to be  dumb about cause and effect. "   I actually end up saying " I'm sorry to hear that. "

sunshine

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Re: Mustachian People Problems (just for fun)
« Reply #956 on: January 23, 2015, 08:10:55 PM »
I can't contribute to the fun at the bar  every night and I'm so broke conversations at work. So sad.
Pretend you're broke because you max your 401k contributions so your take home pay is low! =P

At my school, full time staff and faculty have access to a 401a (defined pension thingy with mandatory 6% pre tax contributions), 403b, and 457b. The contribution limits for a 403b and a 457b are $18,000 EACH. You can max out both of them simultaneously.

So a single person at my school earning $80k, significantly more than the median household income in this country, could have a AGI of just 39200. After federal, state, and FICA taxes, and all those retirement contributions, the take home pay is whittled down to just $2279 a month or $27344 a year. And of course, assuming that this person is has no debts and is Mustachian, he would try to max out a Roth IRA as well.

I'm pretty sure that there would be a significant number of Americans that would claim they're broke at $2279/month of take home pay. The median household income of roughly 50,000 would result in a take home pay of $40572 or $3381, assuming this household is two adults in my state, and no tax credits or deductions (other than the standard deduction of course). That's quite a bit more take home pay than the example above (though admittedly, I'm implicitly comparing a household's expenses to a single person's expenses. But not all expenses scale linearly with more people - the most prominent example being housing).


Wow that is a SWEET deal!!!  We have no problem living well on that amount and saving the rest being debt free. Our area is not high cost of living though.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #957 on: January 23, 2015, 09:04:07 PM »
I can't contribute to the fun at the bar  every night and I'm so broke conversations at work. So sad.
Pretend you're broke because you max your 401k contributions so your take home pay is low! =P

At my school, full time staff and faculty have access to a 401a (defined pension thingy with mandatory 6% pre tax contributions), 403b, and 457b. The contribution limits for a 403b and a 457b are $18,000 EACH. You can max out both of them simultaneously.

So a single person at my school earning $80k, significantly more than the median household income in this country, could have a AGI of just 39200. After federal, state, and FICA taxes, and all those retirement contributions, the take home pay is whittled down to just $2279 a month or $27344 a year. And of course, assuming that this person is has no debts and is Mustachian, he would try to max out a Roth IRA as well.

I'm pretty sure that there would be a significant number of Americans that would claim they're broke at $2279/month of take home pay. The median household income of roughly 50,000 would result in a take home pay of $40572 or $3381, assuming this household is two adults in my state, and no tax credits or deductions (other than the standard deduction of course). That's quite a bit more take home pay than the example above (though admittedly, I'm implicitly comparing a household's expenses to a single person's expenses. But not all expenses scale linearly with more people - the most prominent example being housing).


Wow that is a SWEET deal!!!  We have no problem living well on that amount and saving the rest being debt free. Our area is not high cost of living though.
I know right? If only I could get in on it (I'm a grad student, so I don't qualify to contribute to any such plans). *sigh*
Oh and I'm pretty sure my school offers its full time faculty and staff a health insurance plan with a high deductible that qualifies for a HSA, so that's an extra $3300 tax deduction for single people (and that's FICA tax deductible too)

infogoon

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Re: Mustachian People Problems (just for fun)
« Reply #958 on: January 24, 2015, 05:52:03 AM »
I can't contribute to the fun at the bar had every night  talk followed by the I'm so broke talk at work. So sad.

What's the correct response to "I'm so broke" from coworkers or casual acquaintances? I usually go with "Oh , that sucks" or "I hope things get better", but those don't seem to be quite right.

Just nod sympathetically. People complaining about being broke just want to hear themselves talk; they're not interested in anything you have to say, anyway. That really goes for people complaining about anything, actually.

Le Barbu

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Re: Mustachian People Problems (just for fun)
« Reply #959 on: January 24, 2015, 06:52:13 AM »
I can't contribute to the fun at the bar had every night  talk followed by the I'm so broke talk at work. So sad.

What's the correct response to "I'm so broke" from coworkers or casual acquaintances? I usually go with "Oh , that sucks" or "I hope things get better", but those don't seem to be quite right.

Just nod sympathetically. People complaining about being broke just want to hear themselves talk; they're not interested in anything you have to say, anyway. That really goes for people complaining about anything, actually.

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Gilead1986

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Re: Mustachian People Problems (just for fun)
« Reply #960 on: January 24, 2015, 07:22:33 AM »
I don't know anything about smart phones or apps, never having owned one, and this is something my age group loves doing (in addition to actually playing with eachother's phones). I don't see movies in the theater and by they time they are available cheaper I forget about them or have lost interest. I hate printing directions out (a GPS is actually something I'm going to invest in this year).

I don't know about the hottest, newest restaurants. I barely know about the darling (but always overpriced) boutique restaurants, other than the ones I've been dragged to. Concerts are not my thing. Unless there's a 75% chance I get to meet the artist, I don't even bother. Manicurist? What's that? I do my own manicures and pedicures...never had one professionally done in my 30 years.

Car loans? I'm still learning about my mortgage. Car leases? Hunh? I don't know anything about electronics past 1999. I'm worse than my parents...they have kindles and tablets...even my 9 year old niece. Meanwhile I still own the tv/vhs combo I inherited from my great grandmother when she died at 101, 10 years ago. I also still have my college laptop from 8 years ago and don't plan on getting another one until I go back to school in 2017. I use the family desktop for most of my internet'ing however.

I have an ipod, a gift from an exboyfriend from 6 years ago. It sill has the songs that he put on it, because I haven't really attempted to figure out how to change them.

If I had read this on a dating website I would think I'd found my soulmate. 

Bateaux

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Re: Mustachian People Problems (just for fun)
« Reply #961 on: January 24, 2015, 09:24:36 PM »
I was going to book a cruise the other day to Alaska.   The online form was so frustrating I said screw it.  I jumped over to Vanguard's website and opened a new mutual fund instead.  It took me 8 minutes from log on to purchase.   I'm cruising on Vanguard's ship. [ /size]
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Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #962 on: January 25, 2015, 02:06:20 PM »
I was going to book a cruise the other day to Alaska.   The online form was so frustrating I said screw it.  I jumped over to Vanguard's website and opened a new mutual fund instead.  It took me 8 minutes from log on to purchase.   I'm cruising on Vanguard's ship. [ /size]

+1

I am laughing while reading this....  MMM problem -- when buying stuff is so much more frustrating than buying investments...  yep! yep!

mm1970

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Re: Mustachian People Problems (just for fun)
« Reply #963 on: January 25, 2015, 05:12:57 PM »
Sort of a Mustachian problem:

I was going to work this morning, musing about our finances, and had the thought: "Hm, it's really funny how quickly one can accumulate another $100,000."

...

And quickly realized I can never, ever say that out loud to anyone but my husband!  :-)

ha ha yes!!

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #964 on: January 25, 2015, 07:45:04 PM »
I received a $100 Visa gift card for Christmas, and I haven't found anywhere to use it, since my groceries are going on my 5% cash back card, and I don't buy much else.

I just checked whether I can pay my credit card bill with it, so I'll do that, but I had really been trying to figure out where to spend that thing.
How are you paying your credit card bill with a Visa gift card? Amex Serve?

solon

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Re: Mustachian People Problems (just for fun)
« Reply #965 on: January 26, 2015, 08:48:04 AM »
I received a $100 Visa gift card for Christmas, and I haven't found anywhere to use it, since my groceries are going on my 5% cash back card, and I don't buy much else.

I just checked whether I can pay my credit card bill with it, so I'll do that, but I had really been trying to figure out where to spend that thing.

Just use it for groceries. You give up the $5, but you gain $100.

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #966 on: January 26, 2015, 03:48:19 PM »
"I live so close to work I have to take a "detour" to get a decent bike ride on my way to work."

I thought of this one this morning as I was riding to work enjoying a beautiful sunrise and the 32 degree morning air filling my lungs.
There are two types of people in this world. Those who think they can and those who think they can't. They are both right. - Henry ford

Knapptyme

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Re: Mustachian People Problems (just for fun)
« Reply #967 on: January 26, 2015, 10:25:37 PM »
My wife and I are used to sharing food dishes to conserve on wasteful and unnecessary cleaning. When doing this at my parents house, my mom told me that I didn't have to behave like that in her house??? This was on top of other conservation efforts to boot.

Melanie A

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Re: Mustachian People Problems (just for fun)
« Reply #968 on: January 27, 2015, 10:58:39 AM »
People think I'm 'obssessed' with not spending money because I want to get my finances in order and start investing more aggressively. When I retire earlier than most maybe then they'll understand.
The beginning of becoming mustachian...

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #969 on: January 27, 2015, 11:32:54 AM »
People think I'm 'obssessed' with not spending money because I want to get my finances in order and start investing more aggressively. When I retire earlier than most maybe then they'll understand.
Nah, they'll just stare at you with envy and tell you how lucky you are. They'll tell you that you can afford to pay for all the drinks at the bar that night too.

Lmoot

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Re: Mustachian People Problems (just for fun)
« Reply #970 on: January 27, 2015, 06:34:34 PM »
People think I'm 'obssessed' with not spending money because I want to get my finances in order and start investing more aggressively. When I retire earlier than most maybe then they'll understand.
Nah, they'll just stare at you with envy and tell you how lucky you are. They'll tell you that you can afford to pay for all the drinks at the bar that night too.

LOL! Ah yes...the "lucky you" comments. Oh well, I guess it beats "poor you" lol. Mustachian'esque people seem to get both sides of it. 'Poor you' when you're laying low, and 'lucky you' when you're livin' high.

Sanne

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Re: Mustachian People Problems (just for fun)
« Reply #971 on: January 28, 2015, 06:55:40 AM »
Not being able to sympathise with people that have 'unexpected expenses'.

This seems to be a big subject to talk about but I never think it's unexpected so I never know what to say.

This is an amazing topic btw! :)

merula

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Re: Mustachian People Problems (just for fun)
« Reply #972 on: January 28, 2015, 07:20:02 AM »
Not being able to sympathise with people that have 'unexpected expenses'.

This seems to be a big subject to talk about but I never think it's unexpected so I never know what to say.

This is an amazing topic btw! :)

Some expenses are unexpected. Someone close dies and you want to travel to the funeral. A young child spills all the food you brought along to the park for them, so to prevent a total meltdown you suck it up and buy the crazy overpriced junk.

The problem I think you were trying to get at is that "unexpected" expenses tend to be things like Christmas, car insurance payments, property taxes, etc., which happen with clockwork regularlity. HOW CAN YOU NOT PLAN FOR THINGS THAT HAPPEN EVERY YEAR?

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #973 on: January 29, 2015, 08:31:09 AM »
Not being able to sympathise with people that have 'unexpected expenses'.

This seems to be a big subject to talk about but I never think it's unexpected so I never know what to say.

This is an amazing topic btw! :)

Some expenses are unexpected. Someone close dies and you want to travel to the funeral. A young child spills all the food you brought along to the park for them, so to prevent a total meltdown you suck it up and buy the crazy overpriced junk.

The problem I think you were trying to get at is that "unexpected" expenses tend to be things like Christmas, car insurance payments, property taxes, etc., which happen with clockwork regularlity. HOW CAN YOU NOT PLAN FOR THINGS THAT HAPPEN EVERY YEAR?
Well.... the DB (german railway) is always surprised that it gets cold in winter - or hot in the summer - so the rail switches get frozen and the AC in the expensive fast trains dont work (bc they are only made for up to 28°C - call that logic for an air condition)

Cinder

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Re: Mustachian People Problems (just for fun)
« Reply #974 on: January 30, 2015, 07:04:54 AM »


I love the first line of the last cell.

Not being able to sympathise with people that have 'unexpected expenses'.

This seems to be a big subject to talk about but I never think it's unexpected so I never know what to say.

This is an amazing topic btw! :)

Some expenses are unexpected. Someone close dies and you want to travel to the funeral. A young child spills all the food you brought along to the park for them, so to prevent a total meltdown you suck it up and buy the crazy overpriced junk.

The problem I think you were trying to get at is that "unexpected" expenses tend to be things like Christmas, car insurance payments, property taxes, etc., which happen with clockwork regularlity. HOW CAN YOU NOT PLAN FOR THINGS THAT HAPPEN EVERY YEAR?
Well.... the DB (german railway) is always surprised that it gets cold in winter - or hot in the summer - so the rail switches get frozen and the AC in the expensive fast trains dont work (bc they are only made for up to 28°C - call that logic for an air condition)

Angie55

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Re: Mustachian People Problems (just for fun)
« Reply #975 on: January 30, 2015, 09:09:10 AM »
Anyone else constantly annoyed that Microsoft automatically changes HSA to HAS every single time?! Even if I repeatedly delete then type it again.

It seems to be the only word that autocorrects by itself. Why doesn't it just give me a squiggly red line?

ARGH

merula

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Re: Mustachian People Problems (just for fun)
« Reply #976 on: January 30, 2015, 11:14:12 AM »
Anyone else constantly annoyed that Microsoft automatically changes HSA to HAS every single time?! Even if I repeatedly delete then type it again.

It seems to be the only word that autocorrects by itself. Why doesn't it just give me a squiggly red line?

ARGH

File > Options > Autocorrect Options > find HSA-HAS > Delete.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #977 on: January 30, 2015, 11:18:01 AM »
Anyone else constantly annoyed that Microsoft automatically changes HSA to HAS every single time?! Even if I repeatedly delete then type it again.

It seems to be the only word that autocorrects by itself. Why doesn't it just give me a squiggly red line?

ARGH

So annoying, especially since it's capitalized.  I think you can turn it off or delete that particular autocorrect.  There's a list of em in the options.  I use autocorrect to turn short character sequences into long frequently typed phrases and sentences

Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #978 on: January 30, 2015, 07:04:08 PM »
Anyone else constantly annoyed that Microsoft automatically changes HSA to HAS every single time?! Even if I repeatedly delete then type it again.

It seems to be the only word that autocorrects by itself. Why doesn't it just give me a squiggly red line?

ARGH

Ha ha! Yes! I usually have to add a space between letters "H S A" in my financial spreadsheets.

I don't understand it, because in other cases you can choose to stick with the "misspelling". But it never works for HSA!

I guess I see a way to get around suggested by others after your comment...but it has annoyed me.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #979 on: January 31, 2015, 02:24:14 AM »
After commuting to another city for three months at the end of last year, I was super excited that job finished and I could look for one closer to home so I could cycle. I even signed up to bicycle maintenance classes! But now I start my new job on Tuesday and it's so close to where we live that getting my bike out seems like a hassle and I might as well just walk.

Grid

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Re: Mustachian People Problems (just for fun)
« Reply #980 on: January 31, 2015, 09:50:08 AM »
After commuting to another city for three months at the end of last year, I was super excited that job finished and I could look for one closer to home so I could cycle. I even signed up to bicycle maintenance classes! But now I start my new job on Tuesday and it's so close to where we live that getting my bike out seems like a hassle and I might as well just walk.

That's a wonderful "problem" to have though!  Congrats on the tiny commute.
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StartingEarly

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Re: Mustachian People Problems (just for fun)
« Reply #981 on: January 31, 2015, 05:15:41 PM »
I will have to adjust my 401k contributions again this year.  Once I did for the 27 pay period year that hr tried telling me they never heard of and we ended up with on this year (I thought it was 2014 because I got the date of the last check wrong) Again for having to readjust since they set ours back to 6% when the new company took over.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #982 on: February 01, 2015, 06:06:49 AM »
Not being able to sympathise with people that have 'unexpected expenses'.

This seems to be a big subject to talk about but I never think it's unexpected so I never know what to say.

This is an amazing topic btw! :)

Some expenses are unexpected. Someone close dies and you want to travel to the funeral. A young child spills all the food you brought along to the park for them, so to prevent a total meltdown you suck it up and buy the crazy overpriced junk.

The problem I think you were trying to get at is that "unexpected" expenses tend to be things like Christmas, car insurance payments, property taxes, etc., which happen with clockwork regularlity. HOW CAN YOU NOT PLAN FOR THINGS THAT HAPPEN EVERY YEAR?
Well.... the DB (german railway) is always surprised that it gets cold in winter - or hot in the summer - so the rail switches get frozen and the AC in the expensive fast trains dont work (bc they are only made for up to 28°C - call that logic for an air condition)

A decade ago I visited Sweden in the fall. The metro in Stockholm was having big problems, because they didn't prepare for leaves falling of the trees.
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firelight

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Re: Mustachian People Problems (just for fun)
« Reply #983 on: February 01, 2015, 08:56:36 AM »
I have $6 amazon promo credit to spend on Amazon instant video and kindle store. I want to get something in kindle store. However, I don't know what to get since my local library has an awesome kindle collection and I can get print books there when I can't find kindle versions.

Sanne

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Re: Mustachian People Problems (just for fun)
« Reply #984 on: February 02, 2015, 08:51:25 AM »
Not being able to sympathise with people that have 'unexpected expenses'.

This seems to be a big subject to talk about but I never think it's unexpected so I never know what to say.

This is an amazing topic btw! :)

Some expenses are unexpected. Someone close dies and you want to travel to the funeral. A young child spills all the food you brought along to the park for them, so to prevent a total meltdown you suck it up and buy the crazy overpriced junk.

The problem I think you were trying to get at is that "unexpected" expenses tend to be things like Christmas, car insurance payments, property taxes, etc., which happen with clockwork regularlity. HOW CAN YOU NOT PLAN FOR THINGS THAT HAPPEN EVERY YEAR?

Yup, I should've specified. That's what I mean!!! :)

On top of that I also meant the expenses like car repairs though. If you have a car, you should know that something has to be repaired at some time. You don't know when, how much it will cost etc. but you know the car won't stay repair free the whole time. And people around me seem to think they do. Maybe they are unexpected if you don't have the money for the repairs but if you just bought a lot of junk, I can't sympathize.

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #985 on: February 02, 2015, 07:01:57 PM »
It's not very funny, but...

My husband gets paid quarterly but our rent is billed (as in a literal paper bill that I have to pay by cheque) monthly. I asked if we could pay quarterly in advance to save on the stupid amount of paperwork and our landlord looked at me like I was insane - the subtext was "Who can afford to pay three months of rent IN ADVANCE?" Apparently their accounting systems are not set up to handle that kind of dangerous financial planning.

Yep! Fiance gets paid when he completes a contract cycle, usually every 2-4 months (makes budgets fun). We've had this problem with rent, renters insurance, and internet so far. Finally got it so we can pay the renters insurance yearly and the internet quarterly. No luck on rent yet.
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #986 on: February 03, 2015, 08:03:09 AM »
It's not very funny, but...

My husband gets paid quarterly but our rent is billed (as in a literal paper bill that I have to pay by cheque) monthly. I asked if we could pay quarterly in advance to save on the stupid amount of paperwork and our landlord looked at me like I was insane - the subtext was "Who can afford to pay three months of rent IN ADVANCE?" Apparently their accounting systems are not set up to handle that kind of dangerous financial planning.

Yep! Fiance gets paid when he completes a contract cycle, usually every 2-4 months (makes budgets fun). We've had this problem with rent, renters insurance, and internet so far. Finally got it so we can pay the renters insurance yearly and the internet quarterly. No luck on rent yet.

You obviously have the money to pay it, so why not just put it in your account and then pay the bills when they are due? 

Two9A

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Re: Mustachian People Problems (just for fun)
« Reply #987 on: February 03, 2015, 09:41:20 AM »
I'm currently on the phone with my bank, trying to discern the following:

* I have two mortgages with this bank, on two properties;
* I have weekly overpayments setup;
* The destination account numbers for the overpayments bear no relation to the mortgage account numbers;
* I'd like to know which destination relates to which mortgage.

Simple enough, one'd assume. Having explained this three times to the call handler, he has now gone to find his manager, in order to "seek clarity" as to what my problem is.

I could be here for some time...

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #988 on: February 03, 2015, 10:16:22 AM »
It's not very funny, but...

My husband gets paid quarterly but our rent is billed (as in a literal paper bill that I have to pay by cheque) monthly. I asked if we could pay quarterly in advance to save on the stupid amount of paperwork and our landlord looked at me like I was insane - the subtext was "Who can afford to pay three months of rent IN ADVANCE?" Apparently their accounting systems are not set up to handle that kind of dangerous financial planning.

Yep! Fiance gets paid when he completes a contract cycle, usually every 2-4 months (makes budgets fun). We've had this problem with rent, renters insurance, and internet so far. Finally got it so we can pay the renters insurance yearly and the internet quarterly. No luck on rent yet.

You obviously have the money to pay it, so why not just put it in your account and then pay the bills when they are due?

I think that's what we do? I might be misunderstanding what you're saying. We never have trouble paying things, if that's the question. It just stinks to have input and output on such different cycles. Makes reviewing finances difficult since we both work and are finishing second degrees.
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sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #989 on: February 06, 2015, 03:19:07 PM »
I get annoyed when I check my checking account balance and find it's too high. That means I'm not moving money to investment accounts as fast as I could.


When I buy groceries in bulk I have to hide most of them because my family will stop liking a food once we have a lot of it.

2ndTimer

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Re: Mustachian People Problems (just for fun)
« Reply #990 on: February 06, 2015, 03:22:29 PM »
My friends all feel sorry for me when they ask what I am doing with my tax refund and I say we aren't getting one.  Guess they like giving an interest free loan.

choppingwood

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Re: Mustachian People Problems (just for fun)
« Reply #991 on: February 07, 2015, 02:20:30 PM »
Not being able to compare clothes with colleagues (all women office) because though your clothes are nicer, they came off of thrift store racks. If and when I join the comparison conversation, I need to do prior homework about where that dress gets sold in retail and at what price. Since thats too much of a bother, I just don't join most conversations.

When my thrift store clothes are admired (and they often are), I say, "Thanks, I really like it too. Goodwill, 2 bucks." They are usually enthusiastic.

But, like you, I've nothing to say when they spend a long time talking about Coach handbags and what they have spent on them. I spend the time converting what they've spent into days of travel, which is where I would be spendy.

1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #992 on: February 07, 2015, 05:57:28 PM »
A flight attendant was joking with my husband asking him, "What is that strange looking rectangular object in your hands, sir?" It was the book he was currently reading. They both had a good laugh and commiserated over the fact that no one reads books anymore. My husband said, "Want me to really blow your mind???  Its from the LIBRARY!"  So awesome!

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #993 on: February 10, 2015, 06:38:49 AM »
I want to remortgage my house to take advantage of the super low interest rates, but my balance is so small no place will even consider it, and for the ones that will consider it the closing fees dwarf any potential savings so I am stuck with my 5.5% mortgage until it's paid off.  (loan balance is $42k)

I also want to remortgage my wife's house but it has the same problem (5.25% on $48 loan).

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #994 on: February 10, 2015, 09:20:05 AM »
I want to remortgage my house to take advantage of the super low interest rates, but my balance is so small no place will even consider it, and for the ones that will consider it the closing fees dwarf any potential savings so I am stuck with my 5.5% mortgage until it's paid off.  (loan balance is $42k)

I also want to remortgage my wife's house but it has the same problem (5.25% on $48 loan).

Remortgage as a combined loan?

Skyhigh

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Re: Mustachian People Problems (just for fun)
« Reply #995 on: February 10, 2015, 09:46:39 AM »

My dream was always to immerse myself into a profession that I was proud of and enjoyed as my fathers before had done. A career that showered me with financial and status rewards to the degree that I would be able to recklessly blow a fortune in a thoughtless self indulgent manner. My reality has been far from that.

2ndTimer

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Re: Mustachian People Problems (just for fun)
« Reply #996 on: February 10, 2015, 10:28:41 AM »
Down comforters show up regularly at the Goodwill bin store where they sell for $1.49/lb. which means they cost about $4.00.  I find that very hard to resist even though we have one on the bed already and another just for camping.  People look at you funny when you accost them on the street and insist on giving them a down comforter.

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #997 on: February 10, 2015, 10:39:37 AM »
Down comforters show up regularly at the Goodwill bin store where they sell for $1.49/lb. which means they cost about $4.00.  I find that very hard to resist even though we have one on the bed already and another just for camping.  People look at you funny when you accost them on the street and insist on giving them a down comforter.
I wouldn't give you a weird look.  I would grab the down comforter and offer you some lemons.  We have two down comforters at our house.  They are magic!  So warm.  So amazing. 

SteveR

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Re: Mustachian People Problems (just for fun)
« Reply #998 on: February 10, 2015, 05:21:54 PM »
You remembered to put the beans on to soak. You didn't realise they'd swell in volume as you soaked them and that single cup of beans would turn into four cups of soaked beans. You then try to cook the huge mass of soaked beans anyway and the pan boils over, flooding weird green gungy water all over the cooker.

KD

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Re: Mustachian People Problems (just for fun)
« Reply #999 on: February 10, 2015, 06:26:45 PM »
Paid cash for new house that has a well, septic and no trash service fees as we take ours to a country dumpster on the way into town to get groceries and stop at the library...had to spend 10 minutes realigning budget categories & amounts in YNAB that I don't have to budget for any more. 

oh d' struggle.

P.S.  Oh, and our RE taxes went down by half as did our vehicles insurances* now that we don't live in a metro area any longer.  New house has larger square footage & an extra room** than our last house we paid cash for.  Sigh.  Mustachianism - it's worse than living in a first world country!

*Think they'll soon give me an antique tag for my truck too.  Goodie, I can enter it into the local 2 block long parade to carry the beauty queen/mayor/rodeo announcer/grand marshall/sheriff/meat market owner of our 2 horse town.  Really moving up in the social circles as well.

**Is it sad/bad/indicitave of my mustachianism that I already have plans laid out in my head into how I could turn it into a triplex if need be and take on renters???????????
“Economy is a poor man’s revenue; extravagance a rich man’s ruin.” -Lydia Maria Francis Child, The American Frugal Housewife: Dedicated to Those Who Are Not Ashamed of Economy

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