The Money Mustache Community

General Discussion => Welcome and General Discussion => Topic started by: Heather in Ottawa on July 15, 2014, 07:50:45 PM

Title: Mustachian People Problems (just for fun)
Post by: Heather in Ottawa on July 15, 2014, 07:50:45 PM
What "problems" do you have as a result of your mustachian lifestyle? Here's one of mine:

My single garage is nicely organized, with plenty of room for our car and bikes. Since the driveway is always empty, maybe a thief will think we're out of town, break in, and be very disappointed with our few outdated electronics and complete absence of jewelery.
Title: Re: Mustachian People Problems (just for fun)
Post by: NoraLenderbee on July 15, 2014, 07:53:30 PM
When the lunchtime conversation turns to expensive vacations, new SUVs, and credit card debt, I just sit there like a lump. :)
Title: Re: Mustachian People Problems (just for fun)
Post by: Sarita on July 15, 2014, 09:06:10 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on July 15, 2014, 09:14:15 PM
I had a small personal loan I was paying off and I decided to add it to my spreadsheet so I could have the fun of seeing the balance go down.

But my net worth is so high you could barely see the debt on the graph :(
Title: Re: Mustachian People Problems (just for fun)
Post by: imustachemystash on July 15, 2014, 09:20:04 PM
I save so much money, I have to use taxable accounts.
Title: Re: Mustachian People Problems (just for fun)
Post by: Shropskr on July 15, 2014, 09:29:32 PM
Dropped a huge load off at goodwill today.  Wanted to go in shopping but couldn't come up with anything I needed/wanted had to go home. 

And Read a library book
Title: Re: Mustachian People Problems (just for fun)
Post by: SDREMNGR on July 15, 2014, 10:41:59 PM
I sold off both my car and truck so I have to walk or bike everywhere.  Or borrow my wife's car when she's not using it.
Title: Re: Mustachian People Problems (just for fun)
Post by: surfhb on July 15, 2014, 10:44:41 PM
I take dates out in a 23 year old truck with 508,000 miles on it
Title: Re: Mustachian People Problems (just for fun)
Post by: Vitai Slade on July 16, 2014, 12:08:47 AM
I save so much money, I have to use taxable accounts.

Title: Re: Mustachian People Problems (just for fun)
Post by: hybrid on July 16, 2014, 06:57:08 AM
Chuck Norris borrows money from me.
Title: Re: Mustachian People Problems (just for fun)
Post by: dude on July 16, 2014, 07:08:48 AM
I actually miss episodes of my favorite TV show.

I watch minimal TV.  There's one show I love -- FX's "Justified."  Other than that, I watch my local sports teams from time to time, and an occasional half hour of Discovery or NatGeo, etc.  When I bemoan missing an episode of "Justified," my friends (no longer incredulous like they used to be) bust my stones about not having DVR/Tivo (which would be a complete waste of money for me -- bad enough I haven't dropped the cable).
Title: Re: Mustachian People Problems (just for fun)
Post by: aetherie on July 16, 2014, 11:03:38 AM
I got strange looks from the HR person when I asked her to change my 401k withholding to the maximum amount possible.
Title: Re: Mustachian People Problems (just for fun)
Post by: NoraLenderbee on July 16, 2014, 11:05:48 AM
I save so much money, I have to use taxable accounts.

+2

When I'm feeling down, retail therapy doesn't make me feel better any more.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalman on July 16, 2014, 11:06:35 AM
"I take dates out in a 23 year old truck with 508,000 miles on it"

At least your dates know where you stand. Hopefully you go on dutch dates too.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on July 16, 2014, 11:14:59 AM
Chuck Norris borrows money from me.

Hahaha!
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on July 16, 2014, 11:22:25 AM
I am losing weight because I now live closer to work and nowwalk to work instead of driving.
Title: Re: Mustachian People Problems (just for fun)
Post by: OSUBearCub on July 16, 2014, 11:48:44 AM
My friends are convinced that my recent switch to biking wherever I can is due to a D.U.I.  :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on July 16, 2014, 12:00:09 PM
I can't take advantage of high interest checking accounts because I don't make enough purchases.
Title: Re: Mustachian People Problems (just for fun)
Post by: gillstone on July 16, 2014, 12:01:57 PM
When I complete a form or survey asking my savings rate, I always have to click "other" and enter 50% since 25%+ isn't accurate enough

Title: Re: Mustachian People Problems (just for fun)
Post by: TrMama on July 16, 2014, 12:25:04 PM
I totally forgot to change the oil in my car because I was only looking at the number of km driven since the last change. I completely forgot that the date matters too. Oops.

My kids had to develop a new system to remind them who's turn it is to sit in the front seat because our car trips are so infrequent. They leave a card on the front seat. Face up for the youngest kid, face down for the oldest kid.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on July 16, 2014, 12:48:02 PM
I had to postpone my investment deposit for a week as I was busy on a (budgeted, paid in cash, reasonably priced) fabulous trip to Budapest, Vienna, Zurich, and Paris, and had limited internet access.
Title: Re: Mustachian People Problems (just for fun)
Post by: jpo on July 16, 2014, 12:53:16 PM
I totally forgot to change the oil in my car because I was only looking at the number of km driven since the last change. I completely forgot that the date matters too. Oops.
Asked my mechanic about this, he said the newer synthetic oils last longer than the date and to go by mileage.
Title: Re: Mustachian People Problems (just for fun)
Post by: ivyhedge on July 16, 2014, 01:19:16 PM
I like the taxable posts.


...so much in taxable I needed to find applicable munis...
Title: Re: Mustachian People Problems (just for fun)
Post by: GoCubsGo on July 16, 2014, 01:30:31 PM
I forgot I had a rent check to deposit for one of my rentals until the tenant politely asked what I was waiting for to cash it. Yikes
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on July 16, 2014, 01:37:56 PM
I have to eat more food than I used to because I bike more now.

My credit card gives me 5% cash back at gas stations, but Costco's gas stations don't take Mastercard, so I only get 2% (Amex) back if I buy gas there and don't always come out ahead even though sticker price is always cheaper.
Title: Re: Mustachian People Problems (just for fun)
Post by: blackomen on July 16, 2014, 01:55:41 PM
I like to do surveys on Swagbucks (mostly for fun rather than their measly payoff..  it somehow feels fulfilling to have my opinion heard as a Mustachian and a minority).

Unfortunately, a lot of these surveys will ask if you've bought a certain product, how much you spend on certain things, how often you buy a product/service, etc. as "filter" questions in the beginning and I get disqualified at that step for at least 90% of the time.
Title: Re: Mustachian People Problems (just for fun)
Post by: kkbmustang on July 16, 2014, 02:16:15 PM
When I sold my Lexus, went without a car for a few months until I found a used Prius I wanted to buy, my parents were concerned we were having financial problems and asked if we needed any help.
Title: Re: Mustachian People Problems (just for fun)
Post by: hybrid on July 16, 2014, 02:21:26 PM
When I left the country club after eight years and started riding a bike to get groceries some people, especially neighbors, assumed there was a financial crisis. I think some still do even though I've explained what we are up to.

I have to admit it would be easy to jump to the wrong conclusion because we made such a drastic change in lifestyle.
Title: Re: Mustachian People Problems (just for fun)
Post by: TrMama on July 16, 2014, 02:25:06 PM
I totally forgot to change the oil in my car because I was only looking at the number of km driven since the last change. I completely forgot that the date matters too. Oops.
Asked my mechanic about this, he said the newer synthetic oils last longer than the date and to go by mileage.

Yeah, as soon as I remembered it needed to be changed we also switched it over to synthetic.
Title: Re: Mustachian People Problems (just for fun)
Post by: Emilyngh on July 16, 2014, 05:51:39 PM
My credit card won't let me payoff expenses while they're still pending, so sometimes I have to wait.

I have too much extra room in our house.




Title: Re: Mustachian People Problems (just for fun)
Post by: Heather in Ottawa on July 16, 2014, 06:51:53 PM
When you spend money so infrequently that it's tougher to remember to bring your wallet to the grocery store than it is to remember your list and coupons.
Title: Re: Mustachian People Problems (just for fun)
Post by: Heather in Ottawa on July 16, 2014, 07:06:33 PM
When you're ready to give up some of your old clothing, you don't get to feel generous about donating it. It's so worn out that the only place it will be accepted is in the trash.
Title: Re: Mustachian People Problems (just for fun)
Post by: Mrs. Frugalwoods on July 16, 2014, 07:32:21 PM
When we applied for our first mortgage, the bank called us THREE times to confirm that we did indeed mean to report that we had zero dollars in debt. There was no box on the form for "no debt," so we had to write it in the margins. They kept asking us "how?..."
Title: Re: Mustachian People Problems (just for fun)
Post by: Russ on July 16, 2014, 07:37:16 PM
I take dates out in a 23 year old truck with 508,000 miles on it

I kinda want to ride in your truck now too
Title: Re: Mustachian People Problems (just for fun)
Post by: ambimammular on July 17, 2014, 05:12:41 PM
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy. "Could I buy a watermelon?"
I didn't know if I should just let her get one to give her a goal, or just plant them with her in the spring.
"You know, dad and I are happy to buy food for you." Ha!
Title: Re: Mustachian People Problems (just for fun)
Post by: begood on July 17, 2014, 05:17:15 PM
I'm spending less so my Amazon rewards points aren't accruing with their usual vigor and speed!
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 17, 2014, 05:19:34 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

This! I can't believe the things some people think are important. I have a life to live, and nobody's going to live it for me. And you want me to waste brain power on celebs and TV and music? On the plus side, I think I will one day get ahead of all these people who don't have time to worry about the important things.
Title: .
Post by: This_Is_My_Username on July 17, 2014, 06:08:43 PM
I forgot to supply my tax file number to the shareholder registry, so the federal tax department took half of my dividends : (
Title: Re: Mustachian People Problems (just for fun)
Post by: Zaga on July 17, 2014, 06:26:11 PM
I love going to flea markets and garage sales, but we went to one a few weeks ago and it was sort of a wasted day because there was almost* nothing there we wanted.

*I did get 2 baking sheets, one stainless and one aluminum, for $1 each.  I am starting to hate the non-stick ones.
Title: Mustachian People Problems (just for fun)
Post by: EarlyQuit on July 17, 2014, 08:07:44 PM
My $5 more than 10 yrs old flip flops fell apart as I was walking to work!!
Title: Re: Mustachian People Problems (just for fun)
Post by: allergic2average on July 17, 2014, 09:11:44 PM
I have trouble relating when people complain about money. I just don't understand how hard is it to save money?? I recently bought a razor kick scooter and people think I'm crazy even though it's a better workout than a bicycle :)
Title: Re: Mustachian People Problems (just for fun)
Post by: seanc0x0 on July 17, 2014, 09:15:42 PM
I can no longer see a giant house with a huge truck, giant boat, and ridiculous-sized camper out front without wondering how much the people who 'own' them owe.
Title: Re: Mustachian People Problems (just for fun)
Post by: MoneyCat on July 17, 2014, 10:21:43 PM
My tomato plants are producing so many fruit that I'm worried some of it might spoil before I learn how to make and can my own salsa and sauces from it.
Title: Re: Mustachian People Problems (just for fun)
Post by: Mr One Wheel Drive on July 17, 2014, 10:27:37 PM
Title: Re: Mustachian People Problems (just for fun)
Post by: katie on July 17, 2014, 10:45:30 PM
I have no idea when pay day at work is until I get the emailed deposit notice.
Title: Re: Mustachian People Problems (just for fun)
Post by: allergic2average on July 17, 2014, 10:47:53 PM
My tomato plants are producing so many fruit that I'm worried some of it might spoil before I learn how to make and can my own salsa and sauces from it.

You can FedEx me your leftover tomatoes lol
Title: Re: Mustachian People Problems (just for fun)
Post by: gobius on July 18, 2014, 03:10:17 AM
I save so much money, I have to use taxable accounts.

I lol'd at this one.  This is indeed a "mustachian person problem".
Title: Re: Mustachian People Problems (just for fun)
Post by: gobius on July 18, 2014, 03:44:31 AM
I'm 30 and won't have my mortgage paid off for a few years because I want to keep the money in investment accounts.

My parents have helped my sisters financially but not me since I didn't need it.

I didn't gain anything from reading a Dave Ramsey book and saw that I was saving more money than he suggested (lots of my coworkers are big Dave Ramsey fans).
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyRetirementGuy on July 18, 2014, 03:51:52 AM
I was once refused a bank account because I had no credit score due to having never borrowed a penny from anyone.
Title: Re: Mustachian People Problems (just for fun)
Post by: KMMK on July 18, 2014, 06:35:35 AM
Most financial blogs/advice don't apply to me and make me angry as well. Which is why I started my own but I'm too busy raking in the money while being the centre of attention and amusing myself at my corporate job to work on it right now.

I'm not good at "playing the game" at work because I could quit anytime.
And taxable accounts.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugledoc on July 18, 2014, 07:46:11 AM
In the UK your bank deposit is protected in the event of the bank going bust up to £85000.

Now I have to make sure I don't go above the limits.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on July 18, 2014, 08:49:58 AM
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy. "Could I buy a watermelon?"
I didn't know if I should just let her get one to give her a goal, or just plant them with her in the spring.
"You know, dad and I are happy to buy food for you." Ha!

Ha!

Most "life hack" articles are about how to manage consumer products that you don't have and/or upcycle trash you don't accumulate.  "CD spindle?  2-liter soda bottles?  Where am I supposed to get this stuff??"
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on July 18, 2014, 08:52:06 AM
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy. "Could I buy a watermelon?"
I didn't know if I should just let her get one to give her a goal, or just plant them with her in the spring.
"You know, dad and I are happy to buy food for you." Ha!
This is adorable.  Good for you!  I vote for planting watermelon in the spring.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on July 18, 2014, 09:06:50 AM
When I get home and check the mailbox the former owners almost always have more mail than me.  I don't get credit card offers(I don't have/want a CC), bills(autopay/electronic), catalogs/ads(I don't buy much) or really anything.
Title: Re: Mustachian People Problems (just for fun)
Post by: Mississippi Mudstache on July 18, 2014, 09:12:52 AM
I have so many bank and investment accounts (for sign-on bonuses), I have to to use a list to keep track of the logins and passwords :'(
Title: Re: Mustachian People Problems (just for fun)
Post by: gillstone on July 18, 2014, 09:19:38 AM
I forgot which accounts have autopay for what bills since we never have to worry about bouncing checks
Title: Re: Mustachian People Problems (just for fun)
Post by: FrugalZony on July 18, 2014, 09:31:57 AM
I take dates out in a 23 year old truck with 508,000 miles on it

I kinda want to ride in your truck now too
+1 me too ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: LibrarIan on July 18, 2014, 09:32:27 AM
I always forget how long it has been since I bought gas since I bike/bus to work so often.

People think I'm cheap when I eat out with them and only get water to drink.

In my area there are a lot of Jehovah's Witnesses who go door-to-door by biking around while wearing a backpack and work casual clothes. So When I put on my work clothes, strap on my backpack and hop on my bike to ride to the park and pool, people think I am about to holly roll.
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on July 18, 2014, 10:23:07 AM
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy.

When we asked our five year old what he wanted for Christmas last year, he just shrugged and said "Whatever Santa wants to bring me is fine."
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on July 18, 2014, 10:23:39 AM
We get so few product advertisements that when we were trying to help our five year old set goals for money savings, she couldn't think of any toys to buy.

When we asked our five year old what he wanted for Christmas last year, he just shrugged and said "Whatever Santa wants to bring me is fine."
Sounds like Santa needs to hit the watermelon store.
Title: Re: Mustachian People Problems (just for fun)
Post by: TrMama on July 18, 2014, 10:30:31 AM
I have "hedonically adapted" to the idea that biking to work is the norm. This week I had to suffer through an entirely clownish car commute for 5 consecutive days. I feel like I'm going to lose my mind and have had a headache every day.

I can't figure out how people do this everyday and even worse, I can't complain about it to anyone in real life because it's the norm for most people.
Title: Re: Mustachian People Problems (just for fun)
Post by: smalllife on July 18, 2014, 10:50:54 AM
I have "hedonically adapted" to the idea that biking to work is the norm. This week I had to suffer through an entirely clownish car commute for 5 consecutive days. I feel like I'm going to lose my mind and have had a headache every day.

I can't figure out how people do this everyday and even worse, I can't complain about it to anyone in real life because it's the norm for most people.

+1 That was me last week.  It made an awful week even worse.

Also, +1 to forgetting to soak the beans!



Feeling bored with a bonus because it just reduces the mortgage a tiny bit more.  No spending plans, no fancy gadgets, just debt removal.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 18, 2014, 11:02:00 AM
One time a friend asked me to go on a weekend retreat.  I declined, saying I didn't have the money. So he offered to pay for me. Now what do I do?

I explained that I DID have money, but it was earmarked for higher priority items. If I pulled money from somewhere else to pay for the retreat, I wouldn't have that money when I needed it for the other thing.

I've had similar conversations with other people, and every single one gives me a confused look. Almost like they can't get their minds around prioritizing expenses. It must be difficult living in a fly-by-the-seat-of-your-pants kind of world.
Title: Re: Mustachian People Problems (just for fun)
Post by: Latwell on July 18, 2014, 11:40:06 AM
Mustache problem #63
You make so few purchases that your bank/credit company calls you everytime you DO make a purchase.

You know you're mustachian when you go to the mall and leave without buying a single thing.
(My SO use to get upset if we went to the mall and left without something in our hands b/c it's a 30+ min drive to get there. At first I thought maybe I was no longer trendy but I just realized I got my priorities straight. Now my SO and I feel victorious if we leave a store empty handed and we hardly ever go to malls anymore unless we have something specific we are purchasing.)
Title: Re: Mustachian People Problems (just for fun)
Post by: Mrs. Frugalwoods on July 18, 2014, 02:13:18 PM
One time a friend asked me to go on a weekend retreat.  I declined, saying I didn't have the money. So he offered to pay for me. Now what do I do?

I explained that I DID have money, but it was earmarked for higher priority items. If I pulled money from somewhere else to pay for the retreat, I wouldn't have that money when I needed it for the other thing.

I've had similar conversations with other people, and every single one gives me a confused look. Almost like they can't get their minds around prioritizing expenses. It must be difficult living in a fly-by-the-seat-of-your-pants kind of world.
Oh I had this happen with a friend and a bluegrass festival. The tickets were $100/person (which I obviously was not going to pay). She offered to pay for me and I demurred because I know she really can't afford it whereas I just don't spend $$ like that on entertainment. It was an awkward conversation, but I think she has a better insight into how and why we manage our money the way we do. Still... it was awkward.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 18, 2014, 02:21:12 PM
One time a friend asked me to go on a weekend retreat.  I declined, saying I didn't have the money. So he offered to pay for me. Now what do I do?

I explained that I DID have money, but it was earmarked for higher priority items. If I pulled money from somewhere else to pay for the retreat, I wouldn't have that money when I needed it for the other thing.

I've had similar conversations with other people, and every single one gives me a confused look. Almost like they can't get their minds around prioritizing expenses. It must be difficult living in a fly-by-the-seat-of-your-pants kind of world.
Oh I had this happen with a friend and a bluegrass festival. The tickets were $100/person (which I obviously was not going to pay). She offered to pay for me and I demurred because I know she really can't afford it whereas I just don't spend $$ like that on entertainment. It was an awkward conversation, but I think she has a better insight into how and why we manage our money the way we do. Still... it was awkward.

Yeah, that's the tough part. You can't accept your friend's offer, because you know they are worse off than you. To accept their offer would be to further reinforce their bad habits.
Title: Re: Mustachian People Problems (just for fun)
Post by: odput on July 18, 2014, 02:40:36 PM
I can no longer see a giant house with a huge truck, giant boat, and ridiculous-sized camper out front without wondering how much the people who 'own' them owe.

+1

My wife and I take guesses at how much they are paying per month on those things
Title: Re: Mustachian People Problems (just for fun)
Post by: furrychickens on July 18, 2014, 04:32:17 PM
You have more than 1 bike per person in the household.
Title: Re: Mustachian People Problems (just for fun)
Post by: Michael792 on July 18, 2014, 05:01:15 PM
When I first got to Korea all my fellow soldiers kept asking me why I didn't have a phone, like I was having money problems. When I said I couldn't afford a phone or some other things, they offered to help me get a second job or to send me to financial management classes. Mostly I don't have money on hand to spend because I put almost everything I make into savings or debt repayment. It's difficult to make them understand this. Eventually I bought a prepaid for 20 bucks. I can refill the card for ten bucks, which will last me for much more than a month. But, I recently found that incoming calls and texts still happen regardless if I've paid for minutes. They're not charged to your account in Korea, so I've decided not to pay for minutes. I can get along just fine by going to another room in the barracks and actually talking to someone. So now people get upset that I can't call or text, and it doesn't seem to matter that they can call me if they need me.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalecon on July 18, 2014, 05:22:51 PM
Need to formulate a response for spendthrift friends and family who ask for "loans" after they figure out that my spending << my income.
Title: Re: Mustachian People Problems (just for fun)
Post by: sf_raskol on July 18, 2014, 06:37:42 PM
Biking around so much for every day transport that my jeans are always wearing holes in the seat.
Title: Re: Mustachian People Problems (just for fun)
Post by: Datastache on July 18, 2014, 09:45:38 PM
One time a friend asked me to go on a weekend retreat.  I declined, saying I didn't have the money. So he offered to pay for me. Now what do I do?

I explained that I DID have money, but it was earmarked for higher priority items. If I pulled money from somewhere else to pay for the retreat, I wouldn't have that money when I needed it for the other thing.

I've had similar conversations with other people, and every single one gives me a confused look. Almost like they can't get their minds around prioritizing expenses. It must be difficult living in a fly-by-the-seat-of-your-pants kind of world.

I know that feeling. My roommate is awesome, but she's definitely no Mustachian. From time to time, our conversations will turn to financial topics, and her thought processes always fascinate me. If I comment that I can't afford to eat out, she might say something along the lines of, "What else are you going to spend the money on?" When I blew a whole week's paycheck on clothes for a new job last week (facepunch please!), she pointed out that "at least it's on credit, so you can make payments." (She has continual credit card debt of her own.) When I replied that I was just going to pay it off immediately, her reply was, "Aren't you lucky!"

I see people approaching money like she does, and I just can't imagine doing the same. It seems like it would be tremendously stressful. I'd rather live with whatever minor discomfort results from living within my means.
Title: Re: Mustachian People Problems (just for fun)
Post by: parsimonious on July 19, 2014, 04:08:04 AM
I wear a giant sweater at work everyday, and people constantly ask if I am cold.

Yes I am cold! My AC is set to 84 at my house. "Normal" inside temps are constantly set in the low 70s. Why do I have to carry a sweater everywhere I go when it is the middle of July in Florida?
Title: Re: Mustachian People Problems (just for fun)
Post by: prof61820 on July 19, 2014, 06:00:17 AM
Because we cut cable tv and now watch netflix, our 4 year old gets upset when watching "regular" tv - when visiting relatives, for instance - and a commercial comes on and interrupts his show.  He also asks us to pause and rewind "live" shows.  He doesn't know the correct name for Mcdonalds!  It's all very funny and I can't help thinking that we might be raising a generation that will resent commercial tv advertising.
Title: Re: Mustachian People Problems (just for fun)
Post by: CubicleEscapee on July 19, 2014, 06:56:24 AM
parsimonius - same here (South Carolina).  I change into long pants and take a sweater whenever I leave my house (in the summer)!
Title: Re: Mustachian People Problems (just for fun)
Post by: curiousnomad on July 19, 2014, 07:41:51 AM
Declining expenses: It's not that I'm broke, it's just that my money is already allocated! (Most people will hear this as Visa and mortgage rather than 401k and investments.)

Applies to both money and time: that's not what I've chosen to spend it on. 
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on July 19, 2014, 08:19:30 AM
I actually miss episodes of my favorite TV show.

I watch minimal TV.  There's one show I love -- FX's "Justified."  Other than that, I watch my local sports teams from time to time, and an occasional half hour of Discovery or NatGeo, etc.  When I bemoan missing an episode of "Justified," my friends (no longer incredulous like they used to be) bust my stones about not having DVR/Tivo (which would be a complete waste of money for me -- bad enough I haven't dropped the cable).

I love Justified so much that after getting discs from Netflix and from the Library in early seasons, I decided to wait until the entire series is finished. That's happening with this season, I think. After the series is done I'll get discs form the Library and watch it straight through.
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on July 19, 2014, 08:21:27 AM
I was once refused a bank account because I had no credit score due to having never borrowed a penny from anyone.
That's my old boyfriend, same with him. He was super mustachen, bless his heart. He had trouble getting a mortgage.

Title: Re: Mustachian People Problems (just for fun)
Post by: lizzzi on July 19, 2014, 09:44:39 AM
I don't think I have a credit score either, for the same reason. In the last two years, I've paid cash for a car and two houses. But my biggest problem is that my "walking around" money in my wallet keeps accumulating, because I just don't spend it. So my wallet will not stay closed in my purse. It's annoying.
Title: Re: Mustachian People Problems (just for fun)
Post by: khotte on July 19, 2014, 01:21:43 PM
I spend so little, that I can barely make my credit card sign up bonus minimums.
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on July 19, 2014, 01:41:31 PM
I spend so little, that I can barely make my credit card sign up bonus minimums.
Exactly! I want a chase sapphire card for the great rewards, but I can't do the spending to get the sign up bonus.
Title: Re: Mustachian People Problems (just for fun)
Post by: Latwell on July 19, 2014, 04:44:12 PM
my wallet will not stay closed in my purse. It's annoying.
Lollll +1

Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 19, 2014, 07:43:57 PM
I have a credit card, but I don't know my credit limit or interest rate.
Title: Re: Mustachian People Problems (just for fun)
Post by: This_Is_My_Username on July 20, 2014, 01:17:06 AM
Biking around so much for every day transport that my jeans are always wearing holes in the seat.
buy cycling knicks?
Title: Re: Mustachian People Problems (just for fun)
Post by: jpo on July 20, 2014, 04:47:20 AM
I wear a giant sweater at work everyday, and people constantly ask if I am cold.

Yes I am cold! My AC is set to 84 at my house. "Normal" inside temps are constantly set in the low 70s. Why do I have to carry a sweater everywhere I go when it is the middle of July in Florida?
So much this, at work I think they set the A/C in the upper 60s. The only time it's warm enough is when the A/C breaks for half the building.
Title: Re: Mustachian People Problems (just for fun)
Post by: furrychickens on July 20, 2014, 06:22:17 AM
AC in the summer doesn't seem to bother me as much as heat in the winter. I hate going to the local library in the winter because they heat it to 75F, which is intolerable for longer than 5-10 minutes when you're layered like I normally am. Even my kids complain.
Title: Re: Mustachian People Problems (just for fun)
Post by: Joggernot on July 20, 2014, 06:23:35 AM
I wear a giant sweater at work everyday, and people constantly ask if I am cold.

Yes I am cold! My AC is set to 84 at my house. "Normal" inside temps are constantly set in the low 70s. Why do I have to carry a sweater everywhere I go when it is the middle of July in Florida?
+1 too
We carry jackets in the trunk (I'm h/c and need a car) because of the cold shops we visit.  Last week we had visitors and went for lunch where the temperature had been turned down to 60°F (best guess) to cool it down before the customers came and warmed it up.  We provided jackets for us and for our visitors.

We've been to fast food places where the staff sets the temp so those working the grill and cookers are comfortable.  Again, out come the jackets.
Title: Re: Mustachian People Problems (just for fun)
Post by: ReadyAimFired on July 20, 2014, 07:25:09 AM
My back hurts from bringing in a FREE beautiful oak china cabinet the neighbors left behind in their apartment because they were too lazy to move it. I don't have any china to put in it but the DW has a collection of cool antique bottles that she has had for years (worth several thousand dollars.)
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on July 20, 2014, 08:27:28 AM
I'm the only one at work that looks forward to going OFF extended overtime hours every fall. For me this translates to a smaller savings rates and more free time. For everybody else it becomes a financial disaster because they need the $$ to make monthly payments.
Title: Re: Mustachian People Problems (just for fun)
Post by: aclarridge on July 20, 2014, 09:57:16 AM
Great thread guys!

I save so much money, I have to use taxable accounts.

We throw everything we can into registered accounts, but only 35% of net worth is in them, and that percentage keeps going down.
I kinda want to tweak our asset allocation but I'd trigger a bunch of capital gains tax so I'm not sure it's worth it.

Obviously we cry ourselves to sleep every night... :)
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on July 20, 2014, 10:10:25 AM
Unfortunately, a lot of these surveys will ask if you've bought a certain product, how much you spend on certain things, how often you buy a product/service, etc. as "filter" questions in the beginning and I get disqualified at that step for at least 90% of the time.
I know that. Its time wasting :( I can nearly never click on "I use that" or "I bought that in the last month".
Also there is a "which cellphone provider" question each month, and I always get thrown out then. Just because its a small one that is 1cent/min cheaper then the rest and is not included in the list...

I also have the oil problems. But since its necessary to do it after time to have the guarantee.... well. Never changed oil because of distance.

One more problem: Its hard to resist the urge to punch people in the face that drive new SUVs ;) Especially the teachers that park in front of my house (I can nearly spit on the school ;) ). I agree that teachers should be paid more for what they are doing, but saying no money and driving SUVs... (not to speak about good examples to the pupils ahem.)

Quote
In the UK your bank deposit is protected in the event of the bank going bust up to £85000.
In all of Europe its 100.000€, fortunately per bank and person (hint hint). Same should go for UK, since its based on the same EU directive, just the amount is € in pound.
The number also does not count for shares etc. that are only "managed" by the bank. That is your money and is not eaten up if the bank goes broke.


Title: Re: Mustachian People Problems (just for fun)
Post by: Paul der Krake on July 20, 2014, 10:21:06 AM
I also have the oil problems. But since its necessary to do it after time to have the guarantee.... well. Never changed oil because of distance.
Yup, been there. I change it once a year to keep things simple, at the same time the car needs to be inspected and taxes paid. It's probably a little overkill but I'd rather err on the safe side.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rezdent on July 20, 2014, 11:34:58 AM
When people ask me who "does my hair" I can't give a straight answer.

If I say "me" then the conversation always turns weird in a TMI way or there's this awkward silence.
So I say "I'm lucky to know someone who still does mine even though she won't do it professionally"
Title: Re: Mustachian People Problems (just for fun)
Post by: MarcherLady on July 20, 2014, 02:13:37 PM
I'v always been pretty frugal and rarely buy anything unless I love it or need it, so I have nothing to sell.   
I got a bag from CashForClothes, but all my cast offs have been worn so long that they aren't sellable, so I can't get up to the minimum weight to get free pick up of the bag.   
Title: Re: Mustachian People Problems (just for fun)
Post by: Dr. Doom on July 20, 2014, 06:55:24 PM
People who follow this lifestyle tend to think about money more than those who don't.

Notice I didn't say "worry."  I said think, which implies cool rationality; we consider and plan our own purchases carefully, and we see the big picture, which gives us a particular kind of insight into others' lives.  I frequently wish that I didn't have that insight because it clutters many of my relationships.

Example: two of my neighbors have high school kids and both bought them brand new cars.  One told me proudly he has a Disney timeshare.  Both pay for trash pickup, landscaping, and have dual SUVs meaning that  each family has four cars now.  They are absolutely, comically, stereotypically falling over themselves in an attempt to one up each other, no doubt about it. 

Taken individually, none of these financial decisions means anything.  Taken as a group, your Mustachian sense is now screaming at you  that they're struggling to get by because of all of the conspicuous consumption.  I can almost see their bills piling up, the car payments and phone plans and hotel bookings, hear the arguments about what they can and can't afford to do every month, and on and on.  God help me, I see them in the front yard and I think:  You look rich, but you're actually poor and will never retire.  IMO, these thoughts are more observation-y than judge-y.  (I think.)

Still, I did not see people this way 15 years ago, and I think I'm the worse for it.

I'm taking the long way around to saying that I wish my brain didn't put people into financial buckets and figure out where their money is going -- it's not constructive and it's certainly none of my business -- but it seems to happen auto-magically nowadays.  It's not like I obsess over it -- it doesn't take very long to put the clues together - just a few observations, and viola!  We have our result.

Sorry, I realize this thread said "just for fun" and I've made my response very un-fun.  Hopefully I can get away with that, because hey, I'm Dr. Doom.

Title: Re: Mustachian People Problems (just for fun)
Post by: Michael792 on July 20, 2014, 07:47:47 PM
People who follow this lifestyle tend to think about money more than those who don't.

Notice I didn't say "worry."  I said think, which implies cool rationality; we consider and plan our own purchases carefully, and we see the big picture, which gives us a particular kind of insight into others' lives.  I frequently wish that I didn't have that insight because it clutters many of my relationships.

Example: two of my neighbors have high school kids and both bought them brand new cars.  One told me proudly he has a Disney timeshare.  Both pay for trash pickup, landscaping, and have dual SUVs meaning that  each family has four cars now.  They are absolutely, comically, stereotypically falling over themselves in an attempt to one up each other, no doubt about it. 

Taken individually, none of these financial decisions means anything.  Taken as a group, your Mustachian sense is now screaming at you  that they're struggling to get by because of all of the conspicuous consumption.  I can almost see their bills piling up, the car payments and phone plans and hotel bookings, hear the arguments about what they can and can't afford to do every month, and on and on.  God help me, I see them in the front yard and I think:  You look rich, but you're actually poor and will never retire.  IMO, these thoughts are more observation-y than judge-y.  (I think.)

Still, I did not see people this way 15 years ago, and I think I'm the worse for it.

I'm taking the long way around to saying that I wish my brain didn't put people into financial buckets and figure out where their money is going -- it's not constructive and it's certainly none of my business -- but it seems to happen auto-magically nowadays.  It's not like I obsess over it -- it doesn't take very long to put the clues together - just a few observations, and viola!  We have our result.

Sorry, I realize this thread said "just for fun" and I've made my response very un-fun.  Hopefully I can get away with that, because hey, I'm Dr. Doom.
While I agree with what you said here, I do disagree with the un-fun thing. You typo'd (or maybe not) auto-magically, which just about made my day. :D
Title: Re: Mustachian People Problems (just for fun)
Post by: furrychickens on July 20, 2014, 07:48:21 PM
Interesting thoughts Dr. Doom. I definitely find myself doing this too much, though I think conspicuous consumption in my neighborhood is owning a used luxury vehicle, lol, not a Disney timeshare.

I thought of another problem: when you plan your laundry around needing clean bike clothes dry in time for the next day.
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on July 20, 2014, 08:00:15 PM
I wear a giant sweater at work everyday, and people constantly ask if I am cold.

Yes I am cold! My AC is set to 84 at my house. "Normal" inside temps are constantly set in the low 70s. Why do I have to carry a sweater everywhere I go when it is the middle of July in Florida?
+1 too
We carry jackets in the trunk (I'm h/c and need a car) because of the cold shops we visit.  Last week we had visitors and went for lunch where the temperature had been turned down to 60°F (best guess) to cool it down before the customers came and warmed it up.  We provided jackets for us and for our visitors.

We've been to fast food places where the staff sets the temp so those working the grill and cookers are comfortable.  Again, out come the jackets.

+2

I live in Florida, and it gets hot in the summer. However, every indoor place is freaking freezing. I'm used to having it warmer at home, so I usually sweater-up at work.

I've gotten so used to warmer temperatures, that this July 4th I was walking along the waterfront at night after the fireworks and my friends wanted to leave pretty early because they were "feeling sticky" and hot. I, on the otherhand, was having a pleasant walk along the waterfront, feeling the nice breezes coming over the water. I mentioned the breeze, but they didn't agree. So, we had to leave early. :-(

When people ask me who "does my hair" I can't give a straight answer.

If I say "me" then the conversation always turns weird in a TMI way or there's this awkward silence.
So I say "I'm lucky to know someone who still does mine even though she won't do it professionally"

Good answer! You are technically telling the truth.

I was asked once who my maid was, and I took a pause and said "you're looking at her."
Title: Re: Mustachian People Problems (just for fun)
Post by: lizzzi on July 21, 2014, 06:00:19 AM
When people ask me who "does my hair" I can't give a straight answer.

If I say "me" then the conversation always turns weird in a TMI way or there's this awkward silence.
So I say "I'm lucky to know someone who still does mine even though she won't do it professionally"
This just happened to me for the first time since I've let it get all silver and been cutting it myself. I thought it was looking sort of good, but was astonished when someone commented that I had obviously been to the salon. And then she looked embarrassed when I said I did it myself.
Title: Re: Mustachian People Problems (just for fun)
Post by: happy on July 21, 2014, 06:17:51 AM
When something aggravating happens at work I have an irresistible urge to say "FU, I'm out here: I'm gonna retire".
Title: Re: Mustachian People Problems (just for fun)
Post by: smalllife on July 21, 2014, 06:26:29 AM
When you get more excited about reducing spending than getting a raise because it means your stache target just got smaller!
Title: Re: Mustachian People Problems (just for fun)
Post by: happy on July 21, 2014, 06:47:18 AM
Nice!
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on July 21, 2014, 07:27:11 AM
Because we cut cable tv and now watch netflix, our 4 year old gets upset when watching "regular" tv - when visiting relatives, for instance - and a commercial comes on and interrupts his show.  He also asks us to pause and rewind "live" shows.  He doesn't know the correct name for Mcdonalds!  It's all very funny and I can't help thinking that we might be raising a generation that will resent commercial tv advertising.

My kids have never known life without a HTPC full of their favorite shows -- I tried to explain the concept of television shows only being "on" at a particular time to my son, and failed utterly.
Title: Re: Mustachian People Problems (just for fun)
Post by: gillstone on July 21, 2014, 08:37:09 AM
Because we cut cable tv and now watch netflix, our 4 year old gets upset when watching "regular" tv - when visiting relatives, for instance - and a commercial comes on and interrupts his show.  He also asks us to pause and rewind "live" shows.  He doesn't know the correct name for Mcdonalds!  It's all very funny and I can't help thinking that we might be raising a generation that will resent commercial tv advertising.

Months ago our 5 year old asked why we don;t eat at McDonalds and we said it was because the food was terrible.  Flash-forward to last week when he gets a coupon from the library for a free ice cream cone from McDonalds and he's pissed because, "That's a bad place! I don't want ice cream from there!"  A fist-bump shared by parents later we got ice cream from a local place.
Title: Re: Mustachian People Problems (just for fun)
Post by: MustachianAccountant on July 21, 2014, 11:31:08 AM
I can't take advantage of high interest checking accounts because I don't make enough purchases.

I used to have this problem, but then I started sending multiple $0.50 Amazon eGift cards to myself every month with my debit card.
Title: Re: Mustachian People Problems (just for fun)
Post by: TrMama on July 21, 2014, 11:59:48 AM
On the way to the beach during a heat wave, you decide to stop at the gas station for slurpees for you and the kids. When you get inside, you have to spend 5 min explaining to the kids what a slurpee is, why they should want one, why the straw has a little spoon at the end, etc.

The other people in there look at you like you're all from Mars . . .
Title: Re: Mustachian People Problems (just for fun)
Post by: PindyStache on July 21, 2014, 12:09:26 PM
When you're ready to give up some of your old clothing, you don't get to feel generous about donating it. It's so worn out that the only place it will be accepted is in the trash.

I would have the same problem but for the fact that worn-out clothing is useful for cleaning my bicycle.
Title: Re: Mustachian People Problems (just for fun)
Post by: secondcor521 on July 21, 2014, 12:23:06 PM
Ads have become more than pointless because they fall into four buckets:

1.  Stuff I don't want.
2.  Loans to buy stuff I don't want.
3.  Offers to refinance the loans to buy stuff I don't want.
4.  Offers to go to bat for me to not pay the loans to buy stuff I don't want.
Title: Re: Mustachian People Problems (just for fun)
Post by: Dr. Doom on July 21, 2014, 12:51:08 PM
Interesting thoughts Dr. Doom. I definitely find myself doing this too much, though I think conspicuous consumption in my neighborhood is owning a used luxury vehicle, lol, not a Disney timeshare.

Your neighborhood sounds more down to earth than mine.  I'm looking forward to moving.  At any rate,  I think the mustachian financial insight ability is a bit like Superman's x-ray vision -- really helpful in certain situations, but if it's on all of the time, it can only lead to Bad Things Being Seen.  Hopefully I'll find a way to turn it off when it's getting in the way.
Title: Re: Mustachian People Problems (just for fun)
Post by: odput on July 21, 2014, 12:54:16 PM
At any rate,  I think the mustachian financial insight ability is a bit like Superman's x-ray vision -- really helpful in certain situations, but if it's on all of the time, it can only lead to Bad Things Being Seen.  Hopefully I'll find a way to turn it off when it's getting in the way.

Well spoken Dr. Doom!
Title: Re: Mustachian People Problems (just for fun)
Post by: trailrated on July 21, 2014, 12:57:47 PM
Ads have become more than pointless because they fall into four buckets:

1.  Stuff I don't want.
2.  Loans to buy stuff I don't want.
3.  Offers to refinance the loans to buy stuff I don't want.
4.  Offers to go to bat for me to not pay the loans to buy stuff I don't want.

that. was. amazing.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 21, 2014, 01:37:29 PM
On the way to the beach during a heat wave, you decide to stop at the gas station for slurpees for you and the kids. When you get inside, you have to spend 5 min explaining to the kids what a slurpee is, why they should want one, why the straw has a little spoon at the end, etc.

The other people in there look at you like you're all from Mars . . .

So, why does the straw have a little spoon at the end?
Title: Re: Mustachian People Problems (just for fun)
Post by: meadow lark on July 21, 2014, 01:45:56 PM
In my area there are a lot of Jehovah's Witnesses who go door-to-door by biking around while wearing a backpack and work casual clothes. So When I put on my work clothes, strap on my backpack and hop on my bike to ride to the park and pool, people think I am about to holly roll.
Love this!
Title: Re: Mustachian People Problems (just for fun)
Post by: meadow lark on July 21, 2014, 02:07:36 PM
When your two BFF's compliment your outfit and ask you where you got it and you don't get any points for thrifty coolness because that thrift store is where their clothes are from, too.

When your co-worker is all excited to buy a more expensive house, and you have to appear congratulatory, even though she can't afford the one she currently lives in.
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on July 21, 2014, 04:20:18 PM
You get constant letters to increase your already ridiculous credit limit on your rewards card. I mean seriously each one of mine could cover our expenses for a year if not two (if I could pay ALL our expenses by card that is).
Title: Re: Mustachian People Problems (just for fun)
Post by: Garnacerous on July 21, 2014, 06:26:13 PM
My tomato plants are producing so many fruit that I'm worried some of it might spoil before I learn how to make and can my own salsa and sauces from it.

If you want to do some good, certain food banks accept produce as a donation. I'm planning on donating my excess this year. It's also tax deductible!
Title: Re: Mustachian People Problems (just for fun)
Post by: PloddingInsight on July 22, 2014, 05:36:47 AM
Ads have become more than pointless because they fall into four buckets:

1.  Stuff I don't want.
2.  Loans to buy stuff I don't want.
3.  Offers to refinance the loans to buy stuff I don't want.
4.  Offers to go to bat for me to not pay the loans to buy stuff I don't want.

Great post!  Although I did switch to a credit card with a higher % cash back after seeing a commercial for it.  That was the exception that proves the rule.
Title: Re: Mustachian People Problems (just for fun)
Post by: Metta on July 22, 2014, 06:08:27 AM
One time a friend asked me to go on a weekend retreat.  I declined, saying I didn't have the money. So he offered to pay for me. Now what do I do?

I explained that I DID have money, but it was earmarked for higher priority items. If I pulled money from somewhere else to pay for the retreat, I wouldn't have that money when I needed it for the other thing.

I've had similar conversations with other people, and every single one gives me a confused look. Almost like they can't get their minds around prioritizing expenses. It must be difficult living in a fly-by-the-seat-of-your-pants kind of world.

I have this problem with my parents. They have less money than we do and spend what the do have on trips and cruises. If we say that we cannot afford to go, they offer to pay and are very hurt when we decline. But money we spend now on cruises is money that doesn't go toward our freedom fund. Money they spend on us brings them one step closer to dependency on us. For several years now we have been telling them that we are in a busy period at work, which they understand since they over-worked throughout my childhood (workdays beginning at 5am and ending at 10 pm). And I visit regularly so that they don't feel neglected. That seems to work. I've also cultivated the idea that my husband is so afraid of water that he would faint if he had to go on a cruise. Thankfully my husband accepts the little exaggeration in good humor.  :)
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on July 22, 2014, 08:54:19 AM
Ads have become more than pointless because they fall into four buckets:

1.  Stuff I don't want.
2.  Loans to buy stuff I don't want.
3.  Offers to refinance the loans to buy stuff I don't want.
4.  Offers to go to bat for me to not pay the loans to buy stuff I don't want.

haha, that was funny!
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyRetirementGuy on July 22, 2014, 09:00:44 AM
You get constant letters to increase your already ridiculous credit limit on your rewards card. I mean seriously each one of mine could cover our expenses for a year if not two (if I could pay ALL our expenses by card that is).

Yup, This.

Everytime I log into any of my online banks I get presented with offers for an increasingly large loan amount. Their logic is baffling: 'You already have lots of money.. so clearly you'll want to borrow lots of money, Right?". Crazy.
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on July 22, 2014, 09:03:47 AM
Everytime I log into any of my online banks I get presented with offers for an increasingly large loan amount. Their logic is baffling: 'You already have lots of money.. so clearly you'll want to borrow lots of money, Right?". Crazy.

We were getting that in person for a while.

"I see you have a lot of money in this account right now."

"Yes, we're going to be putting a new roof on the house and it will be expensive."

"Oh, would you like to apply for a home equity loan?"
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 22, 2014, 09:54:38 AM
We were getting that in person for a while.

"I see you have a lot of money in this account right now."

"Yes, we're going to be putting a new roof on the house and it will be expensive."

"Oh, would you like to apply for a home equity loan?"

Funny!
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyRetirementGuy on July 22, 2014, 10:27:18 AM
Everytime I log into any of my online banks I get presented with offers for an increasingly large loan amount. Their logic is baffling: 'You already have lots of money.. so clearly you'll want to borrow lots of money, Right?". Crazy.

We were getting that in person for a while.

"I see you have a lot of money in this account right now."

"Yes, we're going to be putting a new roof on the house and it will be expensive."

"Oh, would you like to apply for a home equity loan?"

Haha, oh dear. I hope your face expressed an appropriate level of bemusement.

An unexpected consequence of never using my overdrafts and credit limits is that I frequently have no idea what they are actually set at. My banks have now taken to asking it as a security question :/
Title: Re: Mustachian People Problems (just for fun)
Post by: lizzzi on July 22, 2014, 10:47:02 AM
When I went to buy my car for cash, the dealership slowed down what I thought was a simple transaction by asking me probably at least four times if I didn't want to finance it. They went on and on about their low rates, good deals, etc. etc.--why financing would be a huge advantage to me (yeah right)…just about drove me crazy. I'm like, "I'm trying to just pay for the car. Please take this money."  Sheesh.
Title: Re: Mustachian People Problems (just for fun)
Post by: Paul der Krake on July 22, 2014, 03:39:46 PM
I have less than two years of credit history (single guy in mid-twenties), and already more than my total annual spending in available credit. A friend the same age, with 6 years of history has been gaming the system so hard that he now has more than twice his annual pre-tax salary available. Since neither of us are US citizens or even permanent residents, we sometimes joke how we could rack up 6 fat figures of debt, leave the country and there's nothing the credit card companies could do (aside from raising the rates to everybody else).
Title: Re: Mustachian People Problems (just for fun)
Post by: Michael792 on July 22, 2014, 06:38:38 PM
I have less than two years of credit history (single guy in mid-twenties), and already more than my total annual spending in available credit. A friend the same age, with 6 years of history has been gaming the system so hard that he now has more than twice his annual pre-tax salary available. Since neither of us are US citizens or even permanent residents, we sometimes joke how we could rack up 6 fat figures of debt, leave the country and there's nothing the credit card companies could do (aside from raising the rates to everybody else).

That's awesome! But please don't... :D
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on July 22, 2014, 07:48:35 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on July 22, 2014, 08:10:51 PM
1) When I look up my credit score it's not in the 800's and I can't figure out why, but I really don't care enough to pursue it. Whatever. Don't need or want no steekin' credit

2) When I go on vacation I really don't know how much we spend. Whatever.

3) When I pull out my super-expensive wine glasses I tell my friends "look, the rule here is that if one of these break, we laugh about it and throw it out, there is to be NO talk of replacing it" because honestly, I no longer give a shit and it's just damn funny that I have these at all given that they now retail for $550/stem. Only one of my friends has any idea about how much they cost because he is a glassware freak himself and he identified their maker, I didn't tell him.
Title: Re: Mustachian People Problems (just for fun)
Post by: mapleseed on July 22, 2014, 08:24:40 PM
"Could I buy a watermelon?"


+1! I think a watermelon is an excellent savings goal for a 5-year-old!
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on July 22, 2014, 08:41:18 PM
I received stock options this year but did not open the email as I will likely not be there until vested.

I need to review each year if the tax rebate I get for retirement investing will be taxed higher or lower this year than when I withdraw. 

Title: Re: Mustachian People Problems (just for fun)
Post by: franklin w. dixon on July 22, 2014, 08:54:21 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.
This is the smartest post I've read in a while.
Title: Re: Mustachian People Problems (just for fun)
Post by: meadow lark on July 22, 2014, 11:30:12 PM
+1
I hate the ads. One of my co-workers was going off on feminism because now she had to have a career and be the perfect mom, etc.  I told her it was consumerism that did that - if she actually didn't want to work outside the home they could live on her husband's salary (he has a good job) and the "perfect mom" crap is just another version of consumerism.  No response.  It is so much easier to blame others than deal with your own issues.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cressida on July 23, 2014, 01:44:52 AM
at work I think they set the A/C in the upper 60s. The only time it's warm enough is when the A/C breaks for half the building.

So true! This actually happened yesterday. Everyone was going around bitching about how hot it was. It was the first time I'd been comfortable since I'd worked there. I keep a heater under my desk. During the summer. Way to save energy, giant employer!
Title: Re: Mustachian People Problems (just for fun)
Post by: nora on July 23, 2014, 02:48:40 AM
I had a small personal loan I was paying off and I decided to add it to my spreadsheet so I could have the fun of seeing the balance go down.

But my net worth is so high you could barely see the debt on the graph :(

This made me lol, brilliant.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bigote on July 23, 2014, 05:22:46 AM
All the awkward looks you get when you tell people you're retired. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Travis on July 23, 2014, 05:39:23 AM
When the conversation goes to consumer spending I have to stop myself from blurting out "I don't want to spend money on that crap" when the item or topic is of interest to my non-mustachian friends.  I also try to avoid saying "I can't afford that" when I mean "I didn't budget for that."  My friends all know I make a lot more than them, but most don't know I save half of it.

Regarding ads, I HATE THEM.  From a frugal adult who spends more time criticizing tv than watching it they're insulting.  From a parent's perspective they're insidious.  My 4 year old son has a few movies saved on the DVR (yes I still have cable) that he loves to watch, but all of the commercials are for toys.  My son would rather play with a stick than an expensive piece of plastic, but he gets the "I want, I want" bug whenever that movie is playing.  We taught him that if it's something he's still interested in weeks after he sees the ad we're willing to entertain the idea, but by then he's moved on to the next shiny that he'll eventually forget about too.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on July 23, 2014, 06:54:03 AM
Quote from: mapleseed
+1! I think a watermelon is an excellent savings goal for a 5-year-old!
In Japan it would even be a good 5-year savings goal :D

Quote
It is so much easier to blame others than deal with your own issues.
That is one of the main problems of humanity. And I think ads/consumerism even trains us to this - so you can buy things that "heal" the bad.
Just think of any hair ad. It goes like
"Do you have bad hair?"
*person A looking terror sticken at Person B's hair"
"Buy XYZ!"

recipe:
1) induce doubt
2) tranform it to social fear
3) let them pay you

We and the environment could live a lot happier without these ads.
Title: Re: Mustachian People Problems (just for fun)
Post by: lizzzi on July 23, 2014, 09:37:28 AM
.

"3) When I pull out my super-expensive wine glasses I tell my friends "look, the rule here is that if one of these break, we laugh about it and throw it out, there is to be NO talk of replacing it" because honestly, I no longer give a shit and it's just damn funny that I have these at all given that they now retail for $550/stem. Only one of my friends has any idea about how much they cost because he is a glassware freak himself and he identified their maker, I didn't tell him."

+1 for using and enjoying the expensive wine glasses….but not replacing them if they break. Mine are over $200/stem. I can't believe I ever wanted all that "fine" stuff, or thought it was necessary. But it sure is pretty, and I do enjoy looking at my china cabinet. When the contents diminish by attrition, I'll look back on many happy dinners with friends and family…and buy simple, inexpensive china and glassware for the future.
Title: Re: Mustachian People Problems (just for fun)
Post by: Joggernot on July 23, 2014, 10:24:17 AM
We and the environment could live a lot happier without these ads.
+1
Best statement of this thread.
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on July 23, 2014, 11:14:49 AM
+1 for using and enjoying the expensive wine glasses….but not replacing them if they break. Mine are over $200/stem. I can't believe I ever wanted all that "fine" stuff, or thought it was necessary.

I save money by drinking wine out of a Yahtzee tumbler from the thrift store.
Title: Re: Mustachian People Problems (just for fun)
Post by: downtownshuter on July 23, 2014, 11:21:58 AM
Awesome thread and replies! Some of mine...

I have trouble remembering the passwords to all my investment accounts when I update our net worth spreadsheet.
My wife felt snubbed when we left her income off our mortgage application in order to minimize the required documentation.
I can’t appreciate the finer things in life, like 4k TVs and wine that costs more than $6/bottle.
I have to feign excitement about my annual raise (it only takes a week or two off my FIRE date).
We make too much to contribute to our Roth IRAs.
I have a pile of emails Monday mornings because I don’t work weekends.
Sometimes my stocks keep going up after I sell them.
My spreadsheet says I will have $100 million when I’m 75. What do I do with that?!
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on July 23, 2014, 12:10:57 PM
Since you no longer drive to work and avoid other random driving, you have to actually consider how your low mileage impacts car upkeep (how much gas to put in so it doesn't sit in the tank for 3 months, how often to change the oil, etc).
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on July 23, 2014, 02:16:02 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.

It's an interesting topic. There was a thread on it recently that blew up. I always wonder it myself - my gut reaction is leaning more towards "No, it doesn't affect me" because I hardly spend anything beyond essentials (rent, food, and basic bills are about 80% of our non-travel spending), and the few things that I do buy are primarily chosen for price, but it's impossible to ever really know.
Title: Re: Mustachian People Problems (just for fun)
Post by: Basenji on July 23, 2014, 02:34:04 PM
+1 for using and enjoying the expensive wine glasses….but not replacing them if they break. Mine are over $200/stem. I can't believe I ever wanted all that "fine" stuff, or thought it was necessary.

I save money by drinking wine out of a Yahtzee tumbler from the thrift store.

Well played, mustache ninja--crap that should have been my handle.
Title: Re: Mustachian People Problems (just for fun)
Post by: NoraLenderbee on July 23, 2014, 04:06:04 PM

We make too much to contribute to our Roth IRAs.


Oh, yeah, isn't it awful?!?! :D
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on July 23, 2014, 04:32:02 PM

We make too much to contribute to our Roth IRAs.


Oh, yeah, isn't it awful?!?! :D

Nope!  Backdoor Roth IRA http://www.bogleheads.org/wiki/Backdoor_Roth_IRA

Title: Re: Mustachian People Problems (just for fun)
Post by: pichirino on July 23, 2014, 05:41:59 PM
Mustachian people problem.

Credit union worker thinks I live with my parents since I couldn't possibly save so much otherwise!
If only she knows how much I appreciate all the bonus' we get to help me along. :)
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on July 24, 2014, 06:32:10 AM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on July 24, 2014, 09:30:51 AM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
+1 
I also have the issue of people wanting to give us gifts, and I can't think of anything we need. 
Title: Re: Mustachian People Problems (just for fun)
Post by: gillstone on July 24, 2014, 09:53:46 AM
I get funny looks when I say I plan on being able to retire in 10 years rather than the expected 33.
Title: Re: Mustachian People Problems (just for fun)
Post by: mrsggrowsveg on July 24, 2014, 10:43:47 AM
My husband got the opportunity to take us out to dinner with company money and I couldn't justify the drive and thought home cooked/raised food would taste better. 

I always think it is nice outside even though everyone else is hot/cold.  People get really defensive about how they need air conditioning when I say we have only used ours once (heat index 110) this year.
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on July 24, 2014, 10:49:33 AM
I was talking to co-workers after selling my truck and was trying to figure out a way to deposit cash into my bank account (I have USAA, on-line banking). I received $5K in a check and $2K in cash. They said why not just spend the cash. I mentioned that it would take like 8 months to spend it...they just stared at me with the deer in headlights look. That was April and I still have $900 left :).
Title: Re: Mustachian People Problems (just for fun)
Post by: wild wendella on July 24, 2014, 11:11:35 AM
You are all awesome.  I'm only about 10% mustachian, but will add this because it made me laugh.

I have a credit card with a 5.24% api.  Every month I'm bombarded with letters from said credit card company to entice me to spend more.  The recent one sent me checks advertised to only have 1.99% interest for the first year.  The fine print shows there is a 4% fee to use these checks.  Um, math anyone?
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on July 24, 2014, 05:58:07 PM


I always think it is nice outside even though everyone else is hot/cold.  People get really defensive about how they need air conditioning when I say we have only used ours once (heat index 110) this year.

+1) while we do run the ac more than I would like to. (You know.... happy wife happy life). It is really annoying when every body around me is complaining about the weather. So much time and energy wasted on something you can't change
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on July 24, 2014, 07:31:40 PM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
+1 
I also have the issue of people wanting to give us gifts, and I can't think of anything we need.


Yes, and there's the issue of disposing of unwanted crap once they do give you something. I still have a big bag of Christmas shit in my closet because of this. It's too wasteful to throw it away but I resent being put to the trouble of finding a better home for it.
Title: Re: Mustachian People Problems (just for fun)
Post by: Dicey on July 24, 2014, 07:51:42 PM
My credit card won't let me payoff expenses while they're still pending, so sometimes I have to wait.

Ooh, this!. I hate that AMEX won't let you pay in advance. I set up a payment before I left on vacation. It was scheduled to pay a week early, but for unknown reasons, it never happened. By the time I returned home, I had a nastygram from them threatening my credit score and raising my interest rate to something like 29%. To which I say "Meh, who cares?", since I make it a practice of paying it off monthly (this glitch excepted). I'm FIRE, house and cars are paid for, so what does a few points drop in score really matter? It just pisses me off that they are so nasty. I've had an AMEX for over thirty years and they don't care, they just jack up the interest rates because they can. I'd dump them except that I use it at Costco weekly. At least it's "free".

I feel sorry for people who are struggling. Really 29% for one late??? I can laugh at them but someone who's struggling is so screwed. The "punishment" certainly does not fit the "crime".
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on July 24, 2014, 07:52:25 PM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
+1 
I also have the issue of people wanting to give us gifts, and I can't think of anything we need.


Yes, and there's the issue of disposing of unwanted crap once they do give you something. I still have a big bag of Christmas shit in my closet because of this. It's too wasteful to throw it away but I resent being put to the trouble of finding a better home for it.

Yeah, I'm getting to the point of asking for no gifts. I also try to avoid taking those little trinkets given out at baby and bridal showers and weddings. I have no place for it! My family is moving more towards the "experiences" kinds of gifts.

I just moved and I realized I hate having all of these little trinkets around that I didn't ask for or buy but I feel bad giving away. Time for a decluttering!
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on July 24, 2014, 08:25:54 PM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
+1 
I also have the issue of people wanting to give us gifts, and I can't think of anything we need.


Yes, and there's the issue of disposing of unwanted crap once they do give you something. I still have a big bag of Christmas shit in my closet because of this. It's too wasteful to throw it away but I resent being put to the trouble of finding a better home for it.

Yeah, I'm getting to the point of asking for no gifts.


We do ask for no gifts, which is one reason I'm so very annoyed by the bag of crap!
Title: Re: Mustachian People Problems (just for fun)
Post by: seanc0x0 on July 25, 2014, 12:22:09 PM


I always think it is nice outside even though everyone else is hot/cold.  People get really defensive about how they need air conditioning when I say we have only used ours once (heat index 110) this year.

+1) while we do run the ac more than I would like to. (You know.... happy wife happy life). It is really annoying when every body around me is complaining about the weather. So much time and energy wasted on something you can't change

I think a lot of the complaining about weather is based on the fact that it's a great universal topic. Doesn't matter what walk of life you and a potential conversation partner come from, you can always relate to the weather.
Title: Re: Mustachian People Problems (just for fun)
Post by: Travis on July 25, 2014, 03:12:37 PM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
+1 
I also have the issue of people wanting to give us gifts, and I can't think of anything we need.


Yes, and there's the issue of disposing of unwanted crap once they do give you something. I still have a big bag of Christmas shit in my closet because of this. It's too wasteful to throw it away but I resent being put to the trouble of finding a better home for it.

Yeah, I'm getting to the point of asking for no gifts. I also try to avoid taking those little trinkets given out at baby and bridal showers and weddings. I have no place for it! My family is moving more towards the "experiences" kinds of gifts.

I just moved and I realized I hate having all of these little trinkets around that I didn't ask for or buy but I feel bad giving away. Time for a decluttering!

I still have a few kitchen appliances in the original packaging as gifts from my wedding 12 years ago.
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on July 25, 2014, 03:56:45 PM
Quote
I think a lot of the complaining about weather is based on the fact that it's a great universal topic. Doesn't matter what walk of life you and a potential conversation partner come from, you can always relate to the weather

Good point. However when my shirt is soaked with sweat and my tongue is hanging down around my knees please don't remind me that, "boy this heat wave is brutal." Lol I'm normally great in the heat but today kicked my ass.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on July 26, 2014, 02:15:53 AM
Someone offers to gift you something and you cant think even one reason why you should want to have it.
+1 
I also have the issue of people wanting to give us gifts, and I can't think of anything we need.


Yes, and there's the issue of disposing of unwanted crap once they do give you something. I still have a big bag of Christmas shit in my closet because of this. It's too wasteful to throw it away but I resent being put to the trouble of finding a better home for it.

I have been known to dispose of Christmas gifts via freecycle within weeks of receiving an un-needed gift.

I would never say no to being given a bottle of sparkling wine or other consumables which are a treat, though.


Sometimes I do wish we had freecycle out here. I just try to remember to take the stuff with when I'm going to a thrift store anyway. Haven't remembered yet, though, and here it is, July already...


I wish I could get folks to give consumables.
Title: Re: Mustachian People Problems (just for fun)
Post by: lizfish on July 26, 2014, 04:01:32 AM

I can no longer see a giant house with a huge truck, giant boat, and ridiculous-sized camper out front without wondering how much the people who 'own' them owe.

Yes! And the giant house has more rooms to clean. Why would you need all that space anyway?

I actually felt a bit sorry for 'them' walking down the high street of the local 'posh' area with the expensive hairdressers, the shops devoted to ridiculous bathroom products and towels, the large electronics shops and think... "They don't know do they? If they didn't spend on all this they could give up work"


Title: Re: Mustachian People Problems (just for fun)
Post by: lizfish on July 26, 2014, 04:39:19 AM
The weird look you get when you say you'd rather do a 30 min walk on a hot day through a lovely part of London than get on a boiling hot bus.

When people say "have you seen x advert?" And we're like "nope" 95% of the time. I'm thinking of finding the YouTube channel for the meerkat ones (UK people might know) because they actually are really funny.

When we explain why we're going on a holiday to my in laws in a beautiful part of the UK and we have to say it's because we're saving for the extension (the money is already in the bank) as it's the only thing that will make sense as to why we're not going abroad. The fact we've had glorious weather here only makes it sweeter. Mind you, the fact we'll paying cash for our building work prob doesn't make much sense either come to that. Ho hum.
Title: Re: Mustachian People Problems (just for fun)
Post by: seanc0x0 on July 26, 2014, 04:29:55 PM
Quote
I think a lot of the complaining about weather is based on the fact that it's a great universal topic. Doesn't matter what walk of life you and a potential conversation partner come from, you can always relate to the weather

Good point. However when my shirt is soaked with sweat and my tongue is hanging down around my knees please don't remind me that, "boy this heat wave is brutal." Lol I'm normally great in the heat but today kicked my ass.

Heh, yea. I never said it was a good topic, but it sure seems to be the default around, especially around here where half the population grew up on the farm.
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on July 26, 2014, 06:42:51 PM
Thread hijack - I am guessing, from your avatar, that you are in Canada.  Of course we talk about weather, it is such a  prominent part of our lives. Especially during a certain season which is not this time of year.  Not naming it, it is the Voldemort of Canadian weather.

Quote
I think a lot of the complaining about weather is based on the fact that it's a great universal topic. Doesn't matter what walk of life you and a potential conversation partner come from, you can always relate to the weather

Good point. However when my shirt is soaked with sweat and my tongue is hanging down around my knees please don't remind me that, "boy this heat wave is brutal." Lol I'm normally great in the heat but today kicked my ass.

Heh, yea. I never said it was a good topic, but it sure seems to be the default around, especially around here where half the population grew up on the farm.
Title: Re: Mustachian People Problems (just for fun)
Post by: seanc0x0 on July 26, 2014, 07:38:11 PM
Thread hijack - I am guessing, from your avatar, that you are in Canada.  Of course we talk about weather, it is such a  prominent part of our lives. Especially during a certain season which is not this time of year.  Not naming it, it is the Voldemort of Canadian weather.


Odd, could have sworn my location was set in my profile. Fixed.

Nevertheless, yes, I am in Canada. Specifically Saskatchewan, whose motto on our license plates even talks about the weather... "Land of Living Skies" :)
Title: Re: Mustachian People Problems (just for fun)
Post by: mustachianteacher on July 27, 2014, 04:52:32 PM
Because we cut cable tv and now watch netflix, our 4 year old gets upset when watching "regular" tv - when visiting relatives, for instance - and a commercial comes on and interrupts his show.  He also asks us to pause and rewind "live" shows.  He doesn't know the correct name for Mcdonalds!  It's all very funny and I can't help thinking that we might be raising a generation that will resent commercial tv advertising.

Our 9-year old still doesn't totally "get" this, which cracks us up! (She's bright, I promise, but the technical explanation went right over her head.) She feels bad for my mother-in-law because, when she watches TV, she has all those commercials.
Title: Re: Mustachian People Problems (just for fun)
Post by: AlexK on July 27, 2014, 05:38:07 PM
Need to formulate a response for spendthrift friends and family who ask for "loans" after they figure out that my spending << my income.

I've got a pretty fancy one: "No"
Title: Re: Mustachian People Problems (just for fun)
Post by: chasesfish on July 27, 2014, 06:14:32 PM
I save so much money, I have to use taxable accounts.

+1
Title: Re: Mustachian People Problems (just for fun)
Post by: chasesfish on July 27, 2014, 06:15:12 PM
I borrow so little on my house (and have a 10 year loan), I can't use the mortgage interest deduction
Title: Re: Mustachian People Problems (just for fun)
Post by: MrsPotts on July 27, 2014, 07:23:00 PM
  • We didn't plan ahead and didn't soak the beans.

Oh man I hate that. 
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on July 27, 2014, 08:08:53 PM
I have a check I keep meaning to deposit whenever I next go to the bank to withdraw cash.

I haven't needed cash in three weeks.
Title: Re: Mustachian People Problems (just for fun)
Post by: Shropskr on July 28, 2014, 12:30:24 AM
I'm having problems paying off my house.

I went to make an online payment for the amount in full.  Computer says "sorry your not allowed to enter an amount greater than pay off balance.  If attempting payoff print form". Ok
Look at form.  They want another $106 for a xterm fee. Like they haven't gotten enough already.  And must be wired in or money ordered.  Ugg.  To the bank. ". Sorry it's after 1:30 we can't wire, no we won't take your money and keep it and do it tomorrow either". Ugggggggg
So I made an online payment I now owe. $0.01 on my house.  And need to figure this stupid thing out before they charge me a late fee for Augusts payment.

And no I can't make August payment online like normal computer won't let me.


That's my mustastian problem.
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on July 28, 2014, 10:54:52 AM
I borrow so little on my house (and have a 10 year loan), I can't use the mortgage interest deduction

We're in the same boat. Our tax preparer suggested buying a more expensive house.
Title: Re: Mustachian People Problems (just for fun)
Post by: robotclown on July 28, 2014, 05:19:09 PM
I have nothing to talk about during tax return season because I claim all my exemptions.  I only get 50 dollars back :(
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on July 28, 2014, 07:34:32 PM
I borrow so little on my house (and have a 10 year loan), I can't use the mortgage interest deduction

We're in the same boat. Our tax preparer suggested buying a more expensive house.

Lol that's like buying a new car to get free oil changes for life
Title: Re: Mustachian People Problems (just for fun)
Post by: firelight on July 31, 2014, 08:31:49 AM
I've got one... I can't wait for the first of the month so I can see the limits on amazon payments and amex serve get reset... So I can do some manufactured spending :) I've been waiting for august first to come by and its finally here. I don't think I'm this excited about even my paychecks getting deposited on time....
Title: Re: Mustachian People Problems (just for fun)
Post by: ShortInSeattle on July 31, 2014, 08:45:25 AM
We're about to pay off our mortgage and we are going to see our taxes go up because no more mortgage interest deduction...

WAH!!!!  :)
Title: Re: Mustachian People Problems (just for fun)
Post by: Ambition89 on July 31, 2014, 08:59:52 AM
Having nothing to talk about when my friends are still talking about their trouble finding ways to pay off their student loans.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on July 31, 2014, 11:38:45 AM
My credit card won't let me payoff expenses while they're still pending, so sometimes I have to wait.

Ooh, this!. I hate that AMEX won't let you pay in advance. I set up a payment before I left on vacation. It was scheduled to pay a week early, but for unknown reasons, it never happened. By the time I returned home, I had a nastygram from them threatening my credit score and raising my interest rate to something like 29%. To which I say "Meh, who cares?", since I make it a practice of paying it off monthly (this glitch excepted). I'm FIRE, house and cars are paid for, so what does a few points drop in score really matter? It just pisses me off that they are so nasty. I've had an AMEX for over thirty years and they don't care, they just jack up the interest rates because they can. I'd dump them except that I use it at Costco weekly. At least it's "free".

I feel sorry for people who are struggling. Really 29% for one late??? I can laugh at them but someone who's struggling is so screwed. The "punishment" certainly does not fit the "crime".

For the record you can pay your amex card early, I do it all the time.  Just go to make a payment and manually change the amount to how much you want to pay.  I sometimes even pay before I make big purchases, so I have a negative balance on my card (MC allows me to do the same).  I like zero balances on my cards, even if I know it's not going to accumulate interest until next month.  I would rather zero it out and be able to relax.

I have also found amex to be very understanding and forgiving if you are a good customer.  I had something similar happen to me, although they didn't sent me a nastygram, just a late fee.  I called an explained that I scheduled the payment, as I always do since the beginning of my becoming their customer, and I don't know what happened, and they made a "one time exception" and straightened it all out for me.

I have been caught by the "residual interest" trick (this is why I pay extra to get myself to a negative balance).  This trick works like this:

Charge $10,000.01
Make payment of $10,000, leaving a 0.01 balance.
CC sees that you did not pay "in full" and so charge you interest on the entire $10,000.01 ....but they don't add that to your next balance (even though you owe it now!).
You check your balance the next month and go "oh shit! I underpaid by a single penny.  Oh well, I will just pay 1 extra penny to this months payment to balance it all out so I am at zero balance"
CC company accepts your payment and balances it all out to zero.
CC company then adds in the interest accumulated on $10,000.01 to that bill without telling you that you owed that interest.
That interest (which is added after the fact) now causes your account to not be paid "in full" (despite the fact that you just logged in and paid your balance in full)
CC then says "oh you paid your bill in full, but here is $XX.XX in interest charges you didn't pay (because we didn't add it to your total until the month is done, despite the fact that this is interest from last billing cycle)
That $xx.xx in interest now means your account was not paid in full, so they charge you interest on the entire balance you had that month even though you paid everything in full (except that interest you weren't aware of).

That cycle repeats indefinitely.  The first time it happened to me when I missed a payment (I fucked up and paid less than the full bill) I figured I just fucked up and had to pay the $7 in interest or whatever it was.   Then the cycle started, and despite me paying my balance in full for 2 months I kept getting interest added.  I finally called and was like "wtf? I pay it in full, why do I keep getting interest added every month?".  They were less than helpful and never explained their crazy ass billing scam.  I did some research and eventually figured out how the scam works.  You have to pay extra in order to get your balance down because they don't add the interest until after your bill is due, so if don't pay in full + enough to cancel out the residual interest they charge you then your balance will never drop to zero - it will constantly have last months residual interested added to keep you in the positive - which leads to you paying even more residual interest on the full balance you charge.

It's especially insidious if you use your card for a lot business purchases (how else would you rack up $10,000 on a cc?) because the balance you are paying interest on is artificially inflated because of all the large business expenses.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zaga on July 31, 2014, 12:08:39 PM
Oh I have a good one today.  On the first day of the month I always look up all balances on investment accounts to update my net worth on the spreadsheet.  Well, tonight I'm going camping and I won't have computer access to update on the correct date :-(

Def a mustachian people problem.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on July 31, 2014, 02:35:01 PM
Oh I have a good one today.  On the first day of the month I always look up all balances on investment accounts to update my net worth on the spreadsheet.  Well, tonight I'm going camping and I won't have computer access to update on the correct date :-(

Def a mustachian people problem.

I update my networth on the 5th of each month. But when the 5th rolls around and I'm not near a computer, I start to get all shaky.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on July 31, 2014, 02:44:09 PM
Oh I have a good one today.  On the first day of the month I always look up all balances on investment accounts to update my net worth on the spreadsheet.  Well, tonight I'm going camping and I won't have computer access to update on the correct date :-(

Def a mustachian people problem.

I had the same problem! I had to do my July 1st retirement journal entry four days early because I was leaving to go travel around Europe for a few weeks and couldn't justify the space it would take up in my backpack. That's what I get for using a dinosaur-era notebook and pen system. Now the numbers are slightly off and it's going to look weird.

I made up for it by writing a paragraph in my entry bitching about it. I might do the same tomorrow for part of my August 1st entry.
Title: Re: Mustachian People Problems (just for fun)
Post by: ambimammular on July 31, 2014, 03:37:55 PM
I borrow so little on my house (and have a 10 year loan), I can't use the mortgage interest deduction

We're in the same boat. Our tax preparer suggested buying a more expensive house.

HA! Man, I hope they were kidding!
Title: Re: Mustachian People Problems (just for fun)
Post by: Bigote on July 31, 2014, 04:22:32 PM
Your portfolio is so big, on a down market day like today your net worth drops 50 grand.
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on July 31, 2014, 05:06:02 PM
Signing disclosures for our mortgage today. Got to the one about insurance and it says my max deductible can only be $1000. Wtf I wanted at least $5k deductible.
Title: Re: Mustachian People Problems (just for fun)
Post by: Eric on July 31, 2014, 05:32:05 PM
Your portfolio is so big, on a down market day like today your net worth drops 50 grand.

Hahahaha.  Now that is truly a mustachian problem.  <sad trombone>
Title: Re: Mustachian People Problems (just for fun)
Post by: AH013 on July 31, 2014, 06:48:33 PM
Your portfolio is so big, on a down market day like today your net worth drops 50 grand.

+1. Always funny to hear coworkers who "lost so much money on that last penny stock I got talked into" and when they say the amount I get to roll my eyes and think "I 'lose' that on a regular ho-hum day in the market"
Title: Re: Mustachian People Problems (just for fun)
Post by: robotclown on July 31, 2014, 06:57:59 PM
Your portfolio is so big, on a down market day like today your net worth drops 50 grand.

Haha, yes, this!  I wish I was down 50k today, because then I'd be retired already.
Title: Re: Mustachian People Problems (just for fun)
Post by: MoneyCat on July 31, 2014, 09:58:04 PM
Here's a new one: I have saved so much money that I annoy everyone by being really outspoken all the time because, honestly, what's the worst that's going to happen?  I'll get fired and get to spend more time reading and gardening?
Title: Re: Mustachian People Problems (just for fun)
Post by: BlueHouse on July 31, 2014, 10:29:28 PM
The last two accounts that I tried to use mobile deposits with turned my deposits away because there is a maximum deposit limit! 
Title: Re: Mustachian People Problems (just for fun)
Post by: robotclown on July 31, 2014, 11:36:07 PM
Regarding the residual interest trap, does having your card set to auto-pay avoid this?  I end up manually paying it off twice a month anyway so the auto-pay never activates in the first place, but, just curious.

And my mustachian problem...my credit card auto-pay settings only let me choose between minimum balance and statement balance.  I want it to pay the current balance! 
Title: Re: Mustachian People Problems (just for fun)
Post by: resy on August 01, 2014, 12:19:13 AM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.
+1...and compound to that my age (28) which means I'm expected to knoew celebrity names as if they were part of my family. Crazy business haha lately my go to response has been "hey, if they dont knoe my name why should I know theirs? They aren't special!" Lol
Title: Re: Mustachian People Problems (just for fun)
Post by: Grid on August 01, 2014, 12:31:15 AM
Amazed I actually have something new to provide:  it's been so long since I've driven my car that I had to clear a small string of spider web attached to my steering wheel this morning.
Title: Re: Mustachian People Problems (just for fun)
Post by: Paulie on August 01, 2014, 01:35:03 AM
I love keeping track of my daily expenses in excel, but there are so many days that I don't spend anything that there is no need to open my excel file.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bigote on August 01, 2014, 04:54:44 AM
Amazed I actually have something new to provide:  it's been so long since I've driven my car that I had to clear a small string of spider web attached to my steering wheel this morning.

That's mustachian!
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyRetirementGuy on August 01, 2014, 05:46:33 AM
Insurance company wont provide Fire/Theft cover because the motorbike value is less than their minimum excess.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on August 01, 2014, 08:08:06 AM
Accidentally set up direct deposit to the wrong account, one that's not linked to online banking. That was two months ago, and it looks like I may actually have to go down to the bank and change things in another month or two. :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: gobius on August 01, 2014, 02:48:28 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.

I liked this one.  It reminded me of "The Last Psychiatrist" (a blogger).  His/her blog is where I first read what you said about "if you're watching it, it's for you."  From what I understand it's one of his/her catch phrases.  Your analysis reminded me of that blogger too.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on August 01, 2014, 03:13:06 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.

I liked this one.  It reminded me of "The Last Psychiatrist" (a blogger).  His/her blog is where I first read what you said about "if you're watching it, it's for you."  From what I understand it's one of his/her catch phrases.  Your analysis reminded me of that blogger too.

Maybe gimp IS The Last Psychiatrist! Have you ever seen them in a room together? Just sayin...
Title: Re: Mustachian People Problems (just for fun)
Post by: gobius on August 01, 2014, 03:29:46 PM
I know that being a more Mustachian type than most people really moves the baseline as to what you consider to be "good with finances" and "bad with finances".  I've always been pretty frugal but am much more so now; I consider my previous spending habits excessive even though I was still saving 40-50% of my money (depending on the year).  I got crap for how frugal I was THEN.  Mind you, I make a good salary so spending that much is quite a bit of money (although below the national average I'm sure).

For example, my sister was telling me about a guy she was dating; she was considering breaking up with him and was listing some of his good/bad qualities.  She said, "He's great with finances."  I pointed out how often he gets hammered at the bar and said that didn't strike me as great with finances.  She said, "He has no debt."  I pointed out how, sure, he doesn't have debt, but he spends all his money on what I consider to be toys (nice truck, Harley motorcycle) and has a little savings but doesn't seem to have a long-term savings goal.  She said, "Well, it's not bad for someone who's 26."  It's a fair point.  Sure, I don't see his expenses as great since he's buying depreciating assets instead of investing.  However, to her (and most people), he's not doing bad since he doesn't have a loan on them.  He really isn't in a bad situation, but since I don't see it as ideal for me, I tend to still see it as "bad with finances".

For a lot of people, including my other sister and my dad, being "good with finances" means being able to balance your check book and making sure you don't overdraft on your account.  It means paying your bills on time, including your credit card even if you carry a $5K balance at 20%.  To me, it's maintaining at least a 50% savings rate.  I have to keep that in mind when discussing finances with people outside of this forum.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on August 01, 2014, 03:31:02 PM
Another problem - we buy so little stuff that we're constantly running out of plastic bags to use for garbage. We have to keep asking boyfriend's parents for more.

I blame it on grocery stores charging for bags. I'm not paying 5 cents for a bag when I have a perfectly good Magic Purse! (my boyfriend calls it the Magic Purse because it looks tiny but can hold a ridiculous amount of stuff - like two or three heads of broccoli in addition to my coat, wallet, etc)
Title: Re: Mustachian People Problems (just for fun)
Post by: gobius on August 01, 2014, 03:33:09 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.

I liked this one.  It reminded me of "The Last Psychiatrist" (a blogger).  His/her blog is where I first read what you said about "if you're watching it, it's for you."  From what I understand it's one of his/her catch phrases.  Your analysis reminded me of that blogger too.

Maybe gimp IS The Last Psychiatrist! Have you ever seen them in a room together? Just sayin...

LOL it's possible, but aren't we all just narcissists to think that TLP would want to join our forum?

[Not serious of course; TLP talks about narcissists a lot.]
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on August 01, 2014, 03:38:25 PM
I know that being a more Mustachian type than most people really moves the baseline as to what you consider to be "good with finances" and "bad with finances".  I've always been pretty frugal but am much more so now; I consider my previous spending habits excessive even though I was still saving 40-50% of my money (depending on the year).  I got crap for how frugal I was THEN.  Mind you, I make a good salary so spending that much is quite a bit of money (although below the national average I'm sure).

For example, my sister was telling me about a guy she was dating; she was considering breaking up with him and was listing some of his good/bad qualities.  She said, "He's great with finances."  I pointed out how often he gets hammered at the bar and said that didn't strike me as great with finances.  She said, "He has no debt."  I pointed out how, sure, he doesn't have debt, but he spends all his money on what I consider to be toys (nice truck, Harley motorcycle) and has a little savings but doesn't seem to have a long-term savings goal.  She said, "Well, it's not bad for someone who's 26."  It's a fair point.  Sure, I don't see his expenses as great since he's buying depreciating assets instead of investing.  However, to her (and most people), he's not doing bad since he doesn't have a loan on them.  He really isn't in a bad situation, but since I don't see it as ideal for me, I tend to still see it as "bad with finances".

For a lot of people, including my other sister and my dad, being "good with finances" means being able to balance your check book and making sure you don't overdraft on your account.  It means paying your bills on time, including your credit card even if you carry a $5K balance at 20%.  To me, it's maintaining at least a 50% savings rate.  I have to keep that in mind when discussing finances with people outside of this forum.

Oh god, I use to work with people like that - they would talk to each other about how good they were with money because they managed to keep afloat month to month. All had debt, all went shopping on pay day, zero savings, phones getting cut off regularly for non-payment, but the fact that they weren't living on the street meant they were "good with money".
Title: Re: Mustachian People Problems (just for fun)
Post by: Alfred J Quack on August 01, 2014, 03:48:13 PM
Did an amateur review for a tech website on a 55 inch TV which they loaned me, now everyone asks me whether I'm buying it but it's way too big for me and my current (32") is only 5 years old...

Also got a speaker set as compensation for said review. Did not need nor want it so I sold it on out local Craig's list version.

I'm also grumbling about the fact that I can't reduce my mortgage any further until January because I've reached the yearly limit and any further payments are fined equal to the interest I'd have to pay  ...
Title: Re: Mustachian People Problems (just for fun)
Post by: MBot on August 02, 2014, 07:21:55 AM
Someone broke into our Honda Fit last night. And found neither our old GPS nor any of our old CDs worth stealing.
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on August 02, 2014, 11:55:21 AM
And the bags are useless if you do get them (I will get one for really drippy things, and my store usually doesn't charge then) - they are so flimsy and rip so easily.  I actually have to buy kitchen garbage bags - before the charge I never bought them, I had more than enough.  I cringe every time I use one, it is so wasteful both ways.

Bulk Barn, on the other hand, has good bags, just a bit on the small side for the kitchen, but wonderful for yard patrol.   And they carry my dog's favourite treats, so that works out well  ;-)

Another problem - we buy so little stuff that we're constantly running out of plastic bags to use for garbage. We have to keep asking boyfriend's parents for more.

I blame it on grocery stores charging for bags. I'm not paying 5 cents for a bag when I have a perfectly good Magic Purse! (my boyfriend calls it the Magic Purse because it looks tiny but can hold a ridiculous amount of stuff - like two or three heads of broccoli in addition to my coat, wallet, etc)
Title: Re: Mustachian People Problems (just for fun)
Post by: Latwell on August 02, 2014, 06:33:04 PM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on August 03, 2014, 06:58:08 AM
When you volunteer to put company expenses on your card for the rewards points. Sometimes it takes a while to get your money back so you might have to pay the card before you get reimbursement. Everyone else is scared to death of this.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 04, 2014, 10:09:12 AM
When you volunteer to put company expenses on your card for the rewards points. Sometimes it takes a while to get your money back so you might have to pay the card before you get reimbursement. Everyone else is scared to death of this.
Well, I wouldn't put a new excavator on it, too. Or an airplane, if you are in that business. Would mean a LOT of miles, though!
Title: Re: Mustachian People Problems (just for fun)
Post by: BlueHouse on August 04, 2014, 10:14:00 AM
I apply for credit so infrequently that the last job listed in the employment history section of my credit report is "WorldCom".   

edited:  left out a word
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on August 04, 2014, 06:00:11 PM
When you volunteer to put company expenses on your card for the rewards points. Sometimes it takes a while to get your money back so you might have to pay the card before you get reimbursement. Everyone else is scared to death of this.
Well, I wouldn't put a new excavator on it, too. Or an airplane, if you are in that business. Would mean a LOT of miles, though!

Yea I was kind of talking a little smaller scale than that lol
Title: Re: Mustachian People Problems (just for fun)
Post by: db_cooper on August 04, 2014, 10:11:41 PM
It's been long enough since I gassed up that yellowjackets had built a nest behind the gas door.  I found out when I reached in to unscrew the cap.  Found out they bite and sting at the same time!
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on August 05, 2014, 12:27:51 AM
Getting a big box of fresh and exciting CSA produce and reading the really cool recipes that go with it and getting all excited to try them out...then realizing you have a busy week at work and closing on your old house and won't be able to get to it until the weekend...

Oh well beet burgers and roasted apricot with fresh whipped cream will have to wait.

Either that, or the produce all gets tossed into a colorful salad instead (the norm, and still good, but not as good as those recipes I read).

Maybe this belongs in a "I should really FIRE soon so I can take my time cooking" thread. :-(
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyQuit on August 05, 2014, 09:32:46 AM
I forget things. I opened a Chase checking account to get a $150 incentive and then forgot about the money sitting there... I walk everywhere and the one time I had to drive to work, I forgot my freaking car on the way back...
Title: Re: Mustachian People Problems (just for fun)
Post by: TheNorwegianGuy on August 05, 2014, 09:55:43 AM
When my parents travel (something they do alot) I normally get to loan one of their car for free (I do not have a car on my own)... But I am so used to not having a car that I forget I even have it until they come back a couple of weeks later and asks for it back... :/
Title: Re: Mustachian People Problems (just for fun)
Post by: Rezdent on August 05, 2014, 06:06:45 PM
... I walk everywhere and the one time I had to drive to work, I forgot my freaking car on the way back...

Bwahahaha!   I really shouldn't drink while reading this forum - sprayed water everywhere!  Did you just leave it and walk back next day?
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyQuit on August 05, 2014, 08:46:44 PM

... I walk everywhere and the one time I had to drive to work, I forgot my freaking car on the way back...

Bwahahaha!   I really shouldn't drink while reading this forum - sprayed water everywhere!  Did you just leave it and walk back next day?

I ended up walking back later that evening. We have paid parking at work, of course I do not have a spot, so I was illegally parked in someone else's space that was vacant that day. It was safer to get the car out of there before next morning :)
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on August 05, 2014, 09:39:20 PM
I liked this one.  It reminded me of "The Last Psychiatrist" (a blogger).  His/her blog is where I first read what you said about "if you're watching it, it's for you."  From what I understand it's one of his/her catch phrases.  Your analysis reminded me of that blogger too.

That's where I stole the quote from. He's pretty good. One of the things that bothers me most about what he writes is that I can understand how much he's right, and how much these things affect us (me), but I can't seem to care too much, and especially not get off my ass to do something about it. I like to think I go off the beaten path enough that the usual suspects don't affect me directly, and as the culture goes so will I, with some exceptions... but who knows? I don't. I don't know how I would, either.

So I choose a different path: I work for a company making popular products. Now ads work for me. Cultural shifts work for me. Every time my employer creates a new market out of thin air, and owns it, and everyone else struggles to break into it for two-three years... well, I do the whole employee stock purchase program, and they pay well too. I purposefully don't give a shit whether it's bad for the people who are dumb enough to buy the shiny gadgets on credit.

And when I'm tired of that, maybe I'll get a place for myself two hundred miles away from the closest town. I know just the spot. I've been there, in my beautiful, old, cranky, unremarkable car, the literal vehicle of my freedom. No ads to convince me, just had to take a good long look (http://koblents.com/images/98-Mountain1.jpg).

As you observe my future escape, make sure to observe the irony of an ad for a place during a discussion about ads. Well, to be fair, I ain't making money off you. Don't forget to notice the ad for an excellent camera and lens, too. Doesn't matter which, right? It's still there.
Title: Re: Mustachian People Problems (just for fun)
Post by: Alfred J Quack on August 06, 2014, 01:44:59 AM
I love keeping track of my daily expenses in excel, but there are so many days that I don't spend anything that there is no need to open my excel file.

Yeah, I feel ya.
I even have 5 boxes for "non-fixed" expenses (other than cash expenses like groceries), over the course of the year I've used them all twice so I'm thinking I should remove 1 or 2 boxes from the template...
Title: Re: Mustachian People Problems (just for fun)
Post by: gobius on August 06, 2014, 07:27:08 AM
I liked this one.  It reminded me of "The Last Psychiatrist" (a blogger).  His/her blog is where I first read what you said about "if you're watching it, it's for you."  From what I understand it's one of his/her catch phrases.  Your analysis reminded me of that blogger too.

That's where I stole the quote from. He's pretty good. One of the things that bothers me most about what he writes is that I can understand how much he's right, and how much these things affect us (me), but I can't seem to care too much, and especially not get off my ass to do something about it. I like to think I go off the beaten path enough that the usual suspects don't affect me directly, and as the culture goes so will I, with some exceptions... but who knows? I don't. I don't know how I would, either.

So I choose a different path: I work for a company making popular products. Now ads work for me. Cultural shifts work for me. Every time my employer creates a new market out of thin air, and owns it, and everyone else struggles to break into it for two-three years... well, I do the whole employee stock purchase program, and they pay well too. I purposefully don't give a shit whether it's bad for the people who are dumb enough to buy the shiny gadgets on credit.

And when I'm tired of that, maybe I'll get a place for myself two hundred miles away from the closest town. I know just the spot. I've been there, in my beautiful, old, cranky, unremarkable car, the literal vehicle of my freedom. No ads to convince me, just had to take a good long look (http://koblents.com/images/98-Mountain1.jpg).

As you observe my future escape, make sure to observe the irony of an ad for a place during a discussion about ads. Well, to be fair, I ain't making money off you. Don't forget to notice the ad for an excellent camera and lens, too. Doesn't matter which, right? It's still there.

Often I have to read TLP's articles a couple of times because I get lost in what he's saying; I don't fully "get" it until the second reading.

Your future escape looks great to me and I especially enjoyed your last paragraph.

I can kind of relate to what you are saying.  I don't work in advertising or an innovative industry but work in an industry that benefits from public ignorance.  Most people I work with share this ignorance so they don't even see it.  It pays well and I've been in the industry awhile so I keep on, telling myself every so often to "just get fuckin' paid."  I'll hopefully be out soon enough.

I'm off to buy a new camera now...
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on August 06, 2014, 08:15:51 AM
Oh my, it looks like the stock market is correcting.   With stocks dropping I'll have to try and remember my brokerage account password so I can buy some of these bargins. 
It's amazing, normal people buy consumer goods when they have 10 percent off sale.  But, they sell their stocks for 10 percent less.  Oh well more for me.
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on August 06, 2014, 08:56:00 AM
Oh my, it looks like the stock market is correcting.   With stocks dropping I'll have to try and remember my brokerage account password so I can buy some of these bargins. 
It's amazing, normal people buy consumer goods when they have 10 percent off sale.  But, they sell their stocks for 10 percent less.  Oh well more for me.
I always remember my dad's advice like this. When you go to the grocery store to buy cereal, do you buy it at full price or on sale? On sale, correct? When it is on sale, how much do you buy? All you can. The stuff can sit on your shelf for a very long time. The same principles apply to stocks.
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on August 06, 2014, 11:34:09 AM
Often I have to read TLP's articles a couple of times because I get lost in what he's saying; I don't fully "get" it until the second reading.

Your future escape looks great to me and I especially enjoyed your last paragraph.

I can kind of relate to what you are saying.  I don't work in advertising or an innovative industry but work in an industry that benefits from public ignorance.  Most people I work with share this ignorance so they don't even see it.  It pays well and I've been in the industry awhile so I keep on, telling myself every so often to "just get fuckin' paid."  I'll hopefully be out soon enough.

I'm off to buy a new camera now...

Yeah, I hear you. I'm lucky in that I really love my work. I'm not doing world-changing stuff, but it's solid engineering and tons of fun. (That's why I may be on the wrong forum but I never plan to retire. Too much fun. Maybe that will change after xx years and maybe a family.) But that escape is where I'll go when I'm tired of it.

Quote
Oh my, it looks like the stock market is correcting.

Perfectly coinciding with me dumping more money into vanguard. Can't complain. I'll be back up shortly.
Title: Re: Mustachian People Problems (just for fun)
Post by: boognish on August 06, 2014, 11:39:20 AM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on August 06, 2014, 12:58:46 PM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on August 06, 2014, 01:23:35 PM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD. 
Title: Re: Mustachian People Problems (just for fun)
Post by: TheNorwegianGuy on August 06, 2014, 01:46:59 PM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD.

:o

I have never held a check in my hands my whole life and in fact I have never heard about anyone ever using one of these (except some mall competitions where they where granted a large fake check (but I think even in these cases the money was transferred directly). I honostly do not understand why they are used in these online times :S Can anyone explain?

Edit: Never mind.. reading on it now.. Rarely used in Europe, but very much used in the US mostly because it saves the payer (employer) money...
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on August 06, 2014, 01:53:21 PM
Same as the Norwegian guy, I am honestly curious.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 06, 2014, 02:03:25 PM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD.

:o

I have never held a check in my hands my whole life and in fact I have never heard about anyone ever using one of these (except some mall competitions where they where granted a large fake check (but I think even in these cases the money was transferred directly). I honostly do not understand why they are used in these online times :S Can anyone explain?

Edit: Never mind.. reading on it now.. Rarely used in Europe, but very much used in the US mostly because it saves the payer (employer) money...

Banks charge money to do direct deposit.   Far more than it costs to simply hand out checks.  That's why my company doesn't do DD, they refuse to pay the extra money.   I have never had a job with DD.  I do know people who get DD though.
Title: Re: Mustachian People Problems (just for fun)
Post by: mamagoose on August 06, 2014, 02:03:55 PM
We don't qualify for any tax deductions (like mortgage interest - mortgate? What mortgage?) or tax credits (income too high for the child tax credit).
Title: Re: Mustachian People Problems (just for fun)
Post by: C. K. on August 06, 2014, 02:44:37 PM
When I pull out my super-expensive wine glasses I tell my friends "look, the rule here is that if one of these break, we laugh about it and throw it out, there is to be NO talk of replacing it" because honestly, I no longer give a shit and it's just damn funny that I have these at all given that they now retail for $550/stem. Only one of my friends has any idea about how much they cost because he is a glassware freak himself and he identified their maker, I didn't tell him.

It doesn't have to be a complete waste. I give broken glassware and plates to a mosaic artist in my family.
------------------------------------------------------------------

+1 to gimp's post about ads affecting you even if you don't shop.

Here's The Last Psychiatrist article you mentioned: http://thelastpsychiatrist.com/2008/08/if_youre_watching_its_for_you.html (http://thelastpsychiatrist.com/2008/08/if_youre_watching_its_for_you.html)

An interesting point:
"About twenty years ago I learned the marketing law that young people have all the disposable income-- because older people were saving-- and they spend the most, and you have to go after them.  I don't believe that's true anymore.  Hell, the fact that it was true 20 years ago means that those young people are older.  They're still the consumerists they once were."

------------------------------------------------

MUSTACHIAN PROBLEM
 -- Remembering to be patient with people who know to save money but do not and instead gripe about their "needs" and how the world is against them.
 
Title: Re: Mustachian People Problems (just for fun)
Post by: AH013 on August 06, 2014, 05:10:19 PM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

All I can think about is the 8 extra galloons of gas this beast will waste versus the nice 40mpg economy I wanted.  It also drove like a tank. I feel like I was supposed to be appreciative of the extra headroom or whatever it is that people casually rent SUVs for in the middle of a week in the summer.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on August 06, 2014, 05:53:55 PM
This Last Psychiatrist blog is blowing my mind.  Thanks, y'all.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on August 06, 2014, 06:11:34 PM
Today I brought my non Mustacian F250 to the body shop for repairs.   My insurance provided a rental car.  When getting the rental I had the option of a full size car, SUV or truck.  I told them a compact. I got a strange look.  I took a Nissan Versa sedan.  On the way home I logged 45.1 mpg.   I may never go back to the F250.
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on August 06, 2014, 08:59:44 PM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

All I can think about is the 8 extra galloons of gas this beast will waste versus the nice 40mpg economy I wanted.  It also drove like a tank. I feel like I was supposed to be appreciative of the extra headroom or whatever it is that people casually rent SUVs for in the middle of a week in the summer.

I drive a small car and love the handling. Whenever I travel for work, I always request a small car. They always try to upgrade me and I reject it. They look at me puzzled.

I can't stand driving those huge behemoths! I can't park those things. One time my mechanic gave me a huge pickup truck loaner. I was so nervous parking that thing. It took about 10 cuts to get me into a parking spot. Never again!!!
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on August 06, 2014, 10:15:32 PM
New Nissan Versa Sedans are the only cheap car I ever enjoyed driving. I've driven a dozen at least through various rentals for work. The only one that was any good was the versa sedan. It corners like a pro, has a responsive throttle, great gas mileage, and climbs mountains without hitting 4500 RPM. Granted, it's gonna suck to have an accident in that.

All the hondas and toyotas people love recommending... are great in terms of total cost of ownership. Terrible in terms of handling. Drive like shit. Yes, that includes your fit, prius, and so on. Yeah, the nissan hatchback might be the worst car I've driven. The leaf is a joke. The volt is an expensive piece of shit. The tiny little versa, with its 110 HP engine, beats them hands down in terms of fun and responsiveness and cornering and balance and all that fun stuff.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on August 07, 2014, 06:26:29 AM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD.

:o

I have never held a check in my hands my whole life and in fact I have never heard about anyone ever using one of these (except some mall competitions where they where granted a large fake check (but I think even in these cases the money was transferred directly). I honostly do not understand why they are used in these online times :S Can anyone explain?

Edit: Never mind.. reading on it now.. Rarely used in Europe, but very much used in the US mostly because it saves the payer (employer) money...

Banks charge money to do direct deposit.   Far more than it costs to simply hand out checks.  That's why my company doesn't do DD, they refuse to pay the extra money.   I have never had a job with DD.  I do know people who get DD though.

It costs nothing to do DD for our clients.  They choose paper checks for the extra days of keeping their money.  DD money has to be pulled from employers bank account 3-4 days before payday.
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on August 07, 2014, 07:53:20 AM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

All I can think about is the 8 extra galloons of gas this beast will waste versus the nice 40mpg economy I wanted.  It also drove like a tank. I feel like I was supposed to be appreciative of the extra headroom or whatever it is that people casually rent SUVs for in the middle of a week in the summer.
Coworker of mine was in vacation in Hawaii.  He had reserved a Jeep (nine months in advance) rental for the week, and part of why he wanted the Jeep was because he was going to be transporting two 12' surfboards.  They "ran out" of Jeeps, and gave him an eight-cylinder Mustang convertible as a "free upgrade".  He still managed to get the surfboards to the beach, but he said he "got a few looks" and the way he secured them was "probably illegal".  He was pretty frustrated, despite enjoying driving the "cool car" that he didn't ask for. 

I feel like this shit happens all the time.  It can't be that hard to keep track of what cars you have on hand.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 07, 2014, 08:23:15 AM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD.

:o

I have never held a check in my hands my whole life and in fact I have never heard about anyone ever using one of these (except some mall competitions where they where granted a large fake check (but I think even in these cases the money was transferred directly). I honostly do not understand why they are used in these online times :S Can anyone explain?

Edit: Never mind.. reading on it now.. Rarely used in Europe, but very much used in the US mostly because it saves the payer (employer) money...

Banks charge money to do direct deposit.   Far more than it costs to simply hand out checks.  That's why my company doesn't do DD, they refuse to pay the extra money.   I have never had a job with DD.  I do know people who get DD though.

It costs nothing to do DD for our clients.  They choose paper checks for the extra days of keeping their money.  DD money has to be pulled from employers bank account 3-4 days before payday.

Maybe it's a bank specific thing? I think my employer uses 5/3 bank.

Why does DD money have to be pulled 3-4 days early?  How is pulling it on payday and initiating transfer to my account any different from them giving me a check which I immediately deposit?
Title: Re: Mustachian People Problems (just for fun)
Post by: TheNorwegianGuy on August 07, 2014, 08:29:54 AM
I suddenly remembered I haven't checked my mail (you know the old kind of mail) for two weeks! :o I had to walk out in the rain and check it - no mail, no bills, no commercial, nothing... Oh well, ill check it again in a couple of weeks...
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on August 07, 2014, 09:21:03 AM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD.

:o

I have never held a check in my hands my whole life and in fact I have never heard about anyone ever using one of these (except some mall competitions where they where granted a large fake check (but I think even in these cases the money was transferred directly). I honostly do not understand why they are used in these online times :S Can anyone explain?

Edit: Never mind.. reading on it now.. Rarely used in Europe, but very much used in the US mostly because it saves the payer (employer) money...

Banks charge money to do direct deposit.   Far more than it costs to simply hand out checks.  That's why my company doesn't do DD, they refuse to pay the extra money.   I have never had a job with DD.  I do know people who get DD though.

It costs nothing to do DD for our clients.  They choose paper checks for the extra days of keeping their money.  DD money has to be pulled from employers bank account 3-4 days before payday.

Maybe it's a bank specific thing? I think my employer uses 5/3 bank.

Why does DD money have to be pulled 3-4 days early?  How is pulling it on payday and initiating transfer to my account any different from them giving me a check which I immediately deposit?

It's run through a 3rd party software provider.  They pull the money far enough in advance to confirm it's in there account before sending out. 

The only difference is that like is previously noted, some people don't cash there checks right away.  Some wait weeks most wait a few days. 

Example...  Employer issues paper check and delivers it to employee on Friday.  Employee makes it to bank after hours on Friday and deposits said check at ATM.  Check likely won't clear employers bank till Tuesday. 

Or...  Employer does direct deposit for Friday payday.  Money is pulled from account on Tuesday EOB/Wednesday morning.  Deposited in employee account on Friday. 

It's almost an extra week on average that the employer gets to hang on to the money.  For a small business with tight cash flow it makes a huge difference. 

This is all ridiculous but it's just the way it is. 
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 07, 2014, 09:34:49 AM
In germany its illegal in most cases to not use bank transfer for employee payment.
Germanys biggest b2b-online-shop does not accept cheques.
I have never used one. Or seen a private cheque. Just once a company one.

----

Mustachian problem: I cant thing of anything that I wanted to buy today. Except books, but they don't count, I could always buy books (1 of 2 soft spots), but since I would need another bookshelf, I am too "cheap" to let that happen. Havent got the room for even more books anyway.
If you have a sweet spot for books, too, then this page is your pr0n: http://bookshelfporn.com/
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 07, 2014, 09:55:02 AM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

All I can think about is the 8 extra galloons of gas this beast will waste versus the nice 40mpg economy I wanted.  It also drove like a tank. I feel like I was supposed to be appreciative of the extra headroom or whatever it is that people casually rent SUVs for in the middle of a week in the summer.
Coworker of mine was in vacation in Hawaii.  He had reserved a Jeep (nine months in advance) rental for the week, and part of why he wanted the Jeep was because he was going to be transporting two 12' surfboards.  They "ran out" of Jeeps, and gave him an eight-cylinder Mustang convertible as a "free upgrade".  He still managed to get the surfboards to the beach, but he said he "got a few looks" and the way he secured them was "probably illegal".  He was pretty frustrated, despite enjoying driving the "cool car" that he didn't ask for. 

I feel like this shit happens all the time.  It can't be that hard to keep track of what cars you have on hand.

(http://media-cache-ak0.pinimg.com/736x/73/79/55/737955531c3331d5915435a79070623b.jpg)
Title: Re: Mustachian People Problems (just for fun)
Post by: Wolf_Stache on August 07, 2014, 11:12:05 AM
I forget things. I opened a Chase checking account to get a $150 incentive and then forgot about the money sitting there... I walk everywhere and the one time I had to drive to work, I forgot my freaking car on the way back...

Ok, that is funny. "Ooops, I forgot my car!" LOL
Title: Re: Mustachian People Problems (just for fun)
Post by: tarheeldan on August 07, 2014, 11:20:19 AM
Stocks are on sale (DJIA at 200-day ma again) and it'll take 3 business days to transfer money from one bank to the bank that has my after-tax brokerage account. Grr. Somehow, it's faster to write a check from one checking to the other. Weird.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 07, 2014, 12:19:13 PM
Mustachian problem #582

I don't need to live paycheck to paycheck, so I actually forget to deposit my paycheck. (Direct deposit isn't an option)
I've been guilty of this. One time the accountant hassled me because I was sitting on three paychecks and he was trying to reconcile the bank statement.
Where do you guys work? I have had 3 jobs in the last 6 years in 3 different industries all do DD.

My company does payroll for about 60 small businesses and exactly 5 do DD.

:o

I have never held a check in my hands my whole life and in fact I have never heard about anyone ever using one of these (except some mall competitions where they where granted a large fake check (but I think even in these cases the money was transferred directly). I honostly do not understand why they are used in these online times :S Can anyone explain?

Edit: Never mind.. reading on it now.. Rarely used in Europe, but very much used in the US mostly because it saves the payer (employer) money...

Banks charge money to do direct deposit.   Far more than it costs to simply hand out checks.  That's why my company doesn't do DD, they refuse to pay the extra money.   I have never had a job with DD.  I do know people who get DD though.

It costs nothing to do DD for our clients.  They choose paper checks for the extra days of keeping their money.  DD money has to be pulled from employers bank account 3-4 days before payday.

Maybe it's a bank specific thing? I think my employer uses 5/3 bank.

Why does DD money have to be pulled 3-4 days early?  How is pulling it on payday and initiating transfer to my account any different from them giving me a check which I immediately deposit?

It's run through a 3rd party software provider.  They pull the money far enough in advance to confirm it's in there account before sending out. 

The only difference is that like is previously noted, some people don't cash there checks right away.  Some wait weeks most wait a few days. 

Example...  Employer issues paper check and delivers it to employee on Friday.  Employee makes it to bank after hours on Friday and deposits said check at ATM.  Check likely won't clear employers bank till Tuesday. 

Or...  Employer does direct deposit for Friday payday.  Money is pulled from account on Tuesday EOB/Wednesday morning.  Deposited in employee account on Friday. 

It's almost an extra week on average that the employer gets to hang on to the money.  For a small business with tight cash flow it makes a huge difference. 

This is all ridiculous but it's just the way it is.

That's crazy.  I deposit mine at my desk with my credit unions mobile app. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Primm on August 07, 2014, 02:53:30 PM
This Last Psychiatrist blog is blowing my mind.  Thanks, y'all.

+1
Title: Re: Mustachian People Problems (just for fun)
Post by: snshijuptr on August 07, 2014, 04:56:51 PM
When you finally go out to a restaurant for lunch or dinner and the food sucks, you realize you blew your entire month's restaurant budget on crappy chicken and broccoli. :(

(After that my husband and I made a pact to only go to restaurants that serve food we don't cook at home. His Americanized Chinese food is WAY better than most restaurants. On the other hand gourmet burgers are really hard to do for only the 2 of us.)
Title: Re: Mustachian People Problems (just for fun)
Post by: secondcor521 on August 07, 2014, 08:19:54 PM
On the original topic, I thought of one the other day:

I can't use KBB to monitor how much my car is worth because the site only goes back to 1994 model years.  (I have a 1993.)
Title: Re: Mustachian People Problems (just for fun)
Post by: alibean on August 07, 2014, 08:25:38 PM
We can't help my kids' school by saving box tops because we don't buy anything where you get box tops.  (all processed junk)
Title: Re: Mustachian People Problems (just for fun)
Post by: innkeeper77 on August 07, 2014, 10:07:05 PM
Stocks are on sale (DJIA at 200-day ma again) and it'll take 3 business days to transfer money from one bank to the bank that has my after-tax brokerage account. Grr. Somehow, it's faster to write a check from one checking to the other. Weird.

I currently work at a financial institution- and actually makes some sense. Because the transfers show up once the funds actually move, it takes a while. However, most banks and credit unions accept checks before they actually get funds, because if people deposited checks and had to wait for them to clear they would get upset. When I was being trained, I got chastised for not immediately releasing a check even though the computer recommended a hold- it was a payroll check and people "need their payroll checks as soon as they deposit them!" This wasn't exactly something I had ever thought about.. Feel free to use it to your advantage for faster transfers though! (Holds are far less commonly applied if you have money in the receiving account to cover it in case it bounces)
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on August 07, 2014, 10:54:19 PM
I was reading a finance book recommended in another thread (Smart Couples Finish Rich), and quite enjoyed it, but got stuck on the goals chapter - I couldn't think of a single financial goal other than early retirement, and they want you to come up with FIVE. I asked the boyfriend for help to no avail - we've been thinking about it since yesterday and are still at nothing.

We don't have debt of any kind to pay off. We don't want property or cars or kids or a wedding or further education. We travel a lot, but have enough money to just pay cash when we book something, so not really goal material. We max our retirement accounts and save the most we comfortably can on our incomes in our city.

Good book, anyways.
Title: Re: Mustachian People Problems (just for fun)
Post by: Stasher on August 08, 2014, 10:28:27 AM
I save so much money, I have to use taxable accounts.
That one ^^^ LOL
Title: Re: Mustachian People Problems (just for fun)
Post by: Cromacster on August 08, 2014, 10:43:42 AM
On the original topic, I thought of one the other day:

I can't use KBB to monitor how much my car is worth because the site only goes back to 1994 model years.  (I have a 1993.)

In Minnesota you could get collector plates and not have to pay registration tabs any more!  (but you are required to have an additional vehicle)
Title: Re: Mustachian People Problems (just for fun)
Post by: Rezdent on August 08, 2014, 11:17:16 AM
Got escorted to the checkout at the grocery store lately.

Mr. Rezdent and I were dressed in our weekend work clothes (read: we looked like homeless people).  The store was having a great sale on seafood. I requested a rather large order, which I had to repeat a couple of times before they went and got their manager.   Who actually asked what we were planning to do with that much.  Um, we are going to eat it....
The fish had to be brought up from the back since there wasn't enough in the display.  Although $150 doesn't really buy THAT much seafood - it fit in a medium sized box.
Apparently this caused some suspicion so they insisted on escorting us to checkout and then to my car.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 09, 2014, 11:47:24 AM
Got escorted to the checkout at the grocery store lately.

Mr. Rezdent and I were dressed in our weekend work clothes (read: we looked like homeless people).  The store was having a great sale on seafood. I requested a rather large order, which I had to repeat a couple of times before they went and got their manager.   Who actually asked what we were planning to do with that much.  Um, we are going to eat it....
The fish had to be brought up from the back since there wasn't enough in the display.  Although $150 doesn't really buy THAT much seafood - it fit in a medium sized box.
Apparently this caused some suspicion so they insisted on escorting us to checkout and then to my car.

It's FOR YOUR PROTECTION.  Stop resisting!
Title: Re: Mustachian People Problems (just for fun)
Post by: Less is More on August 09, 2014, 05:34:31 PM
 I had a call from a branch of the IRD  that gives tax credits to lower incomes.(tax department in New Zealand) She was puzzled at my declared income
 as its less the a Sole Woman (with one child )Benefit.
 I am a sole trader in a service oriented business.
 Once I explained my very good financial situation .attitude to life ,lack of debt, and desire for a simple life , and that I only worked 20 hrs a week by choice she was satisfied but somewhat amazed !!.
 I think I may have given her something to contemplate.
Most people just think I am depriving myself because they measure happiness by status symbols and live a in a constant state of status anxiety and debt, so  I doubt many will rush to copy me any time soon.
Title: Re: Mustachian People Problems (just for fun)
Post by: brizna on August 09, 2014, 08:12:04 PM
$1M feels less than $900K because there's less digits :(
Title: Re: Mustachian People Problems (just for fun)
Post by: slugline on August 09, 2014, 09:19:12 PM
$1M feels less than $900K because there's less digits :(

$1000K -- fixed!
Title: Re: Mustachian People Problems (just for fun)
Post by: lakemom on August 10, 2014, 05:53:08 AM
Got escorted to the checkout at the grocery store lately.

Mr. Rezdent and I were dressed in our weekend work clothes (read: we looked like homeless people).  The store was having a great sale on seafood. I requested a rather large order, which I had to repeat a couple of times before they went and got their manager.   Who actually asked what we were planning to do with that much.  Um, we are going to eat it....
The fish had to be brought up from the back since there wasn't enough in the display.  Although $150 doesn't really buy THAT much seafood - it fit in a medium sized box.
Apparently this caused some suspicion so they insisted on escorting us to checkout and then to my car.

And this is why we strive to teach our children not to judge people by their outward appearance!  I would have been very irritated by such behavior.  My dh grew up working in the family retail business in an area where many affluent people have Summer homes and learned very young that those who dressed "wealthy" were usually broke and those who looked like bums were the true wealthy.  My father -in-law always calls those who try to appear wealthy the "ten cent millionairs."
Title: Re: Mustachian People Problems (just for fun)
Post by: mjs111 on August 10, 2014, 10:54:41 AM
Oh my, it looks like the stock market is correcting.   With stocks dropping I'll have to try and remember my brokerage account password so I can buy some of these bargins. 
It's amazing, normal people buy consumer goods when they have 10 percent off sale.  But, they sell their stocks for 10 percent less.  Oh well more for me.

I forget which famous investor it's attributed to, but there's this great saying that the stock market is the only store that when it has a sale it makes people run for the exits.

Mike
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 10, 2014, 11:54:19 AM
I didn't go into the office this past week, and it really killed my biking mileage. :-(

(Worked From Home)
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on August 11, 2014, 09:23:50 AM
This Last Psychiatrist blog is blowing my mind.  Thanks, y'all.

+1

+1 That blog is interesting.
Title: Re: Mustachian People Problems (just for fun)
Post by: tanhanivar on August 11, 2014, 05:14:41 PM
Trying to convince the non-cyclist who is dusting you off after a fall that they should totally try cycling.
Title: Re: Mustachian People Problems (just for fun)
Post by: HappierAtHome on August 11, 2014, 07:54:56 PM
Forgetting which side of your car the fuel hatch is on...
Title: Re: Mustachian People Problems (just for fun)
Post by: oldtoyota on August 11, 2014, 08:23:00 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

Same here. In fact, I've met two TV actors in the past five years. I've never watched any of their shows. It's strange when people assume you will know who they are...especially in the case of a soap opera actor. LOL. Um, no. Don't watch those.
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on August 11, 2014, 08:30:10 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

Same here. In fact, I've met two TV actors in the past five years. I've never watched any of their shows. It's strange when people assume you will know who they are...especially in the case of a soap opera actor. LOL. Um, no. Don't watch those.
I randomly ended up in a German soap opera. I had to sign a waiver to be on it in the background. I had never seen the program in my entire life and still haven't seen the episodes I was in. Oh well.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on August 11, 2014, 08:37:12 PM
No way I'd recognize 1 out of 100 actors these days.  Todays celebrities just don't stand out.  Gone is the glamour of decades past.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 12, 2014, 06:21:52 AM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

Same here. In fact, I've met two TV actors in the past five years. I've never watched any of their shows. It's strange when people assume you will know who they are...especially in the case of a soap opera actor. LOL. Um, no. Don't watch those.
I randomly ended up in a German soap opera. I had to sign a waiver to be on it in the background. I had never seen the program in my entire life and still haven't seen the episodes I was in. Oh well.
Do you remember which one? Just curious.
Funny fact: One of (or likely) the oldest, named "Lindenstraße" (after the tree "Linde"), just got the "Linde" in the street cut down. I wonder if they rename it?  No-Linden-Street? ^^
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on August 12, 2014, 09:07:07 AM
Goose Gossage opened a burger joint near here about 10 years ago. Apparently, Goose Gossage was a famous baseball pitcher. I walked in on opening weekend, and he was standing there. He said, "Hi! I'm Goose Gossage!" I had no idea, so I just replied, "Hi! I'm solon!" My brother, a serious GG fan, was mortified.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 12, 2014, 09:14:11 AM
Goose Gossage opened a burger joint near here about 10 years ago. Apparently, Goose Gossage was a famous baseball pitcher. I walked in on opening weekend, and he was standing there. He said, "Hi! I'm Goose Gossage!" I had no idea, so I just replied, "Hi! I'm solon!" My brother, a serious GG fan, was mortified.

I've always thought that was the best response. It's ambiguous enough not to offend anyone...except those who deserve it. :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: Eric on August 12, 2014, 10:04:29 AM
Trying to convince the non-cyclist who is dusting you off after a fall that they should totally try cycling.

Hahahahaha!  Dude, now that is funny!
Title: Re: Mustachian People Problems (just for fun)
Post by: hybrid on August 12, 2014, 11:03:41 AM
Got escorted to the checkout at the grocery store lately.

Mr. Rezdent and I were dressed in our weekend work clothes (read: we looked like homeless people).  The store was having a great sale on seafood. I requested a rather large order, which I had to repeat a couple of times before they went and got their manager.   Who actually asked what we were planning to do with that much.  Um, we are going to eat it....
The fish had to be brought up from the back since there wasn't enough in the display.  Although $150 doesn't really buy THAT much seafood - it fit in a medium sized box.
Apparently this caused some suspicion so they insisted on escorting us to checkout and then to my car.

And this is why we strive to teach our children not to judge people by their outward appearance!  I would have been very irritated by such behavior.  My dh grew up working in the family retail business in an area where many affluent people have Summer homes and learned very young that those who dressed "wealthy" were usually broke and those who looked like bums were the true wealthy.  My father -in-law always calls those who try to appear wealthy the "ten cent millionairs."

Good for you lakemom, the reality is most humans are wired this way for better or worse. No sense railing against it IMO, people are going to keep tripping over the same snap judgment hurdle over and over and over again. Hate the game, not the player. Then play the game. If someone walks into a store looking homeless, they can and should expect extra attention given the very real issue retailers have with shoplifting and the like. Sure reads like the store overreacted, but OP stirred their suspicions to begin with because how many people dress terrible and then order $150 worth of seafood? Damn few, and thus the extra attention.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 12, 2014, 11:25:01 AM
Got escorted to the checkout at the grocery store lately.

Mr. Rezdent and I were dressed in our weekend work clothes (read: we looked like homeless people).  The store was having a great sale on seafood. I requested a rather large order, which I had to repeat a couple of times before they went and got their manager.   Who actually asked what we were planning to do with that much.  Um, we are going to eat it....
The fish had to be brought up from the back since there wasn't enough in the display.  Although $150 doesn't really buy THAT much seafood - it fit in a medium sized box.
Apparently this caused some suspicion so they insisted on escorting us to checkout and then to my car.

And this is why we strive to teach our children not to judge people by their outward appearance!  I would have been very irritated by such behavior.  My dh grew up working in the family retail business in an area where many affluent people have Summer homes and learned very young that those who dressed "wealthy" were usually broke and those who looked like bums were the true wealthy.  My father -in-law always calls those who try to appear wealthy the "ten cent millionairs."

Good for you lakemom, the reality is most humans are wired this way for better or worse. No sense railing against it IMO, people are going to keep tripping over the same snap judgment hurdle over and over and over again. Hate the game, not the player. Then play the game. If someone walks into a store looking homeless, they can and should expect extra attention given the very real issue retailers have with shoplifting and the like. Sure reads like the store overreacted, but OP stirred their suspicions to begin with because how many people dress terrible and then order $150 worth of seafood? Damn few, and thus the extra attention.

I still kind of like the mental image of them escorting them out so that someone doesn't try to jump them for all that deliciousness.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugledoc on August 12, 2014, 12:14:42 PM
I can't take advantage of 0% offers on credit cards for 1 - 2 years because I'd rather just pay the cash outright and then forget about it.
Title: Re: Mustachian People Problems (just for fun)
Post by: Basenji on August 12, 2014, 12:50:09 PM
I have to endure repeated, increasingly frantic snail mail and email reminders from magazines (subscriptions I've decided to let expire) that THIS IS YOUR LAST ISSUE!
Title: Re: Mustachian People Problems (just for fun)
Post by: kyanamerinas on August 12, 2014, 01:24:43 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

Same here. In fact, I've met two TV actors in the past five years. I've never watched any of their shows. It's strange when people assume you will know who they are...especially in the case of a soap opera actor. LOL. Um, no. Don't watch those.
Lol, that happened to me a few years ago too. Some guy who won Survivor....Rupert maybe....came into a store I worked at. Everyone was freaking out and getting pictures with him and I had no freaking clue who he was. I have still never watched an episode of Survivor and don't care to at all

i worked in hospitality (usually normal people upgrading for a special occasion rather than vips) and once spent 20 minutes chatting some famous american comedian, still can never remember their name. don't know if they were offended by my lack of fuss or impressed.
Title: Re: Mustachian People Problems (just for fun)
Post by: The Borgs on August 12, 2014, 04:03:32 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

Same here. In fact, I've met two TV actors in the past five years. I've never watched any of their shows. It's strange when people assume you will know who they are...especially in the case of a soap opera actor. LOL. Um, no. Don't watch those.
Lol, that happened to me a few years ago too. Some guy who won Survivor....Rupert maybe....came into a store I worked at. Everyone was freaking out and getting pictures with him and I had no freaking clue who he was. I have still never watched an episode of Survivor and don't care to at all

i worked in hospitality (usually normal people upgrading for a special occasion rather than vips) and once spent 20 minutes chatting some famous american comedian, still can never remember their name. don't know if they were offended by my lack of fuss or impressed.

I was volunteering at a charity shop when a couple came to the counter with a stack of cookbooks to purchase. I asked if they were planning anything special and they said yes, they asked if I watched "My Kitchen Rules". I said no, I wasn't into reality TV at all and found those kind of shows to be a bit catty. I mean, if someone cooks you dinner, even if it looks like turd on a plate, you smile, try and eat what you can, smile some more and thank them profusely. You don't nitpick every part of the meal, it's cooking - sometimes it goes wrong, but mostly it's edible. Turns out they were on the show....
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 13, 2014, 07:56:36 AM
I won't get myself a credit card because I am quite sure I can't get the 2000€ minimum/year to have it free of fees. And I will be damned if I pay someone to spy on me.


btw: putting "I" in italics looks LOL in code ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on August 13, 2014, 08:36:03 AM
Trying to look interested when people tell you about what they saw on television.   
Title: Re: Mustachian People Problems (just for fun)
Post by: jo552006 on August 13, 2014, 09:45:01 AM
I do so many things myself that I am almost ashamed when I have to outsource something.  It is worse when I outsource something because I am personally not bad-ass enough (like my roof on a tall colonial) or I don't want to do something, because then I feel it's a frivelous expense.
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on August 13, 2014, 10:15:53 AM
I want an excuse to leave work and go run errands, but there's nothing I need to go do or buy, not even groceries (going for a walk won't work, a thunder storm is rolling in right now).
Title: Re: Mustachian People Problems (just for fun)
Post by: Bob W on August 13, 2014, 10:31:23 AM
On my recent family vacation (there were 22 of us)  I couldn't get over how obsessed everyone was with talking about restaurants and the food they ate there.    My father in law took several of us to a pricey steak house.  I ordered a hamburger.  It was terrible and I only ate half.   I know that most everyone there has huge debts but they were spending money on $40 dinners like it was their favorite hobby.

My in debt father in law even joked that I was wearing a nice shirt instead of the 5 year old ones I normally do. (a thrift shop purchase)  I smiled knowing that he is 69 and still working hard because he is in debt. 

So I guess my biggest problem is that I really don't get it?  If you're 60K in student loan debts why in the hell are you buying $40 dinners and $4 coffees?

My second biggest problem.  How do you explain to someone that buying $40 dinners when your in debt is a bad idea?  An worse yet,  "why are you on vacation, when you should be working to pay off that debt?"

Being frugal is certainly a different lifestyle that most others live. 
Title: Re: Mustachian People Problems (just for fun)
Post by: tanhanivar on August 13, 2014, 03:23:34 PM
I kind of keep up on TV indirectly via overheard social media conversations. It's the discussions of recent funny/offensive advertisements that catch me unawares.
Title: Re: Mustachian People Problems (just for fun)
Post by: robotclown on August 15, 2014, 06:25:05 PM
I "misplaced" about 1000 dollars on my financial spreadsheet (thought I had it set to sum, but it was actually added individually, and I forgot to link it.)

So, like unmustachians, my whole paycheck was gone by payday.  Unlike them, it only took two button clicks to recover it.
Title: Re: Mustachian People Problems (just for fun)
Post by: eyesonthehorizon on August 15, 2014, 10:20:00 PM
Ooh! I finally have one!

I was using Learnvest's free site to track my financial picture and slow slog out of debt, and checking my finances got to be a daily or multiple-times-daily ritual, but now I've paid off all my student loans. When I pull up the mobile app a good chunk of screen real estate at the top, devoted to a summary calculation of Assets - Debts = Net Worth, is now borderline useless since my debts are at most $100 from paying all my bills at once on a credit card.

Best "problem" ever. I guess I need to move to Personal Capital?
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 16, 2014, 02:01:37 AM
I had to restart my new computer 20 times to find a good undervolting spot for everyday use.
Currently I am fighting with the 50W frontier for the whole system (not screen) for full (~30% underclocked) CPU use.

Other people overclock, I do the opposite, getting 70% of power for 50% of juice. And can always change to max power if I need. But try to tell that someone else.
"You slow your system intentionally?"
"No, you dont feel it. I just have 2 configurations, one for gaming demanding games, one for everything else, and saving 100-200€ over the livetime for a day or two of fiddling and 3 clicks sometimes."


Disclaimer: Normal people are better off just using the now very effective and advanced power saving things that are active by default on not-old computers. A desktop idling under 30W is amazing.
If you - like me - are donating computer power to science, it pays to undervolt, especially if you run it 10+ hours a day or even 24/7
Title: Re: Mustachian People Problems (just for fun)
Post by: Alfred J Quack on August 16, 2014, 05:33:29 AM
@LennStar: Windows 7 also has some excelent options to reduce consumtion (I'm nog going undervolt my laptop :P). Things like max CPU percentage and PCI bus speed settings were quite helpfull.

This laptop with a Core i3 and Samsung SSD is clocked at around 25W with display on. With the display off I'm guessing it's around 12W when not doing too much.

I've also recently "upgraded" my server. It's now running on a Wyse C10le thin client with under 7W of continious draw. The little bugger hosts a Wordpress site, proxyserver (for filtering adds on my devices) and runs a terminal server for LibreOffice and such. Works pretty fast too :)
Title: Re: Mustachian People Problems (just for fun)
Post by: stripey on August 16, 2014, 05:51:45 AM
Forgetting which side of your car the fuel hatch is on...

+1

Also, having not being able to find a pair of suitably sized jeans at the op shop recently and requiring a pair for various reasons relatively soon, I resolved to purchase a pair new. Went into the shop, needed a lot of help from the sales assistant because not only did I not know what jeans size I usually take, I had no idea of what style I usually have. The poor lady could not comprehend that I had never purchased a pair of jeans new before... ever.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on August 16, 2014, 09:26:00 AM
I recently stopped to ask another female bicyclist her opinion of the best padded shorts for long distances.  Turned out that she didn't know anything about new shorts either since she too had bought hers at a thrift store.  Realized I should have asked a cyclist outside REI instead of one outside Value Village.
Title: Re: Mustachian People Problems (just for fun)
Post by: tardis on August 16, 2014, 10:55:42 AM
I'm upset at how much I have spend on food and the time I need to cook/eat in order to counteract a fast metabolism.  :(

I've been eating the same as ever but a bit cheaper post MMM (long time vegetarian, making my own bread, making almost everything from scratch, dried beans, sale items, buying in bulk etc.) and still spending the same on groceries only for me as some of the lower numbers people mentioned for a couple in one of the "how much do you spend on groceries" threads.  On top of that, I was losing weight I didn't really expect/want to, and doing the same or less exercise as ever (+/-4-6km walking per day and a desk job) so I decided to tally up how many calories I was eating.  Turns out it was around 3500 most days.  On the plus side, I'm doing a good job money-wise of feeding the equivalent of of two people.
Title: Re: Mustachian People Problems (just for fun)
Post by: Grid on August 16, 2014, 11:38:00 AM
I'm upset at how much I have spend on food and the time I need to cook/eat in order to counteract a fast metabolism.  :(

I've been eating the same as ever but a bit cheaper post MMM (long time vegetarian, making my own bread, making almost everything from scratch, dried beans, sale items, buying in bulk etc.) and still spending the same on groceries only for me as some of the lower numbers people mentioned for a couple in one of the "how much do you spend on groceries" threads.  On top of that, I was losing weight I didn't really expect/want to, and doing the same or less exercise as ever (+/-4-6km walking per day and a desk job) so I decided to tally up how many calories I was eating.  Turns out it was around 3500 most days.  On the plus side, I'm doing a good job money-wise of feeding the equivalent of of two people.

Wow!  I thought I had it bad.  I'm 6'4" and should be eating 3500 calories a day when not so active.  I am somewhat upset at the effort that goes into eating enough food to stay healthy - enough so that when I'm not careful I only end up with 2000 and start losing weight.  I'm complaining about just being a relatively large person and active at this point, but food is also the largest item in my budget.
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on August 16, 2014, 12:10:17 PM
I can't take advantage of 0% offers on credit cards for 1 - 2 years because I'd rather just pay the cash outright and then forget about it.

I know, and I keep thinking that in retirement when we have more time to fuss around with this stuff, maybe we should leverage those offers.

DH is very old school and he pays bills by check, but holds them until the last minutes to earn every cent of interest we can on the money. And of course in this environment of low low interest, it's crazy not worth it. But maybe with a substantial purchase, it might be worth using one of those credit cards. Unfortunately we aren't up for a new anything in the new few years, it's all nickel and dime stuff for home improvements.
Title: Re: Mustachian People Problems (just for fun)
Post by: tardis on August 16, 2014, 03:00:23 PM
Wow!  I thought I had it bad.  I'm 6'4" and should be eating 3500 calories a day when not so active.

I'm 5'-9", 145 pounds and female....  :(  I eat more than my 6-2" 19 year old brother, though admittedly I'm usually more active than he is.  I was actually kind of worried about all of this and phoned my parents (both doctors) and they, having had me eat them out of house and home for years, told me not to worry, haha.

Edit:  Just rechecked my chart because the numbers seemed a bit off.  The calorie count was low 3000s rather than 3500 which makes more sense.  My memory was inflating things.
Title: Re: Mustachian People Problems (just for fun)
Post by: Paul der Krake on August 16, 2014, 04:44:49 PM
DH is very old school and he pays bills by check, but holds them until the last minutes to earn every cent of interest we can on the money. And of course in this environment of low low interest, it's crazy not worth it.
Unless he uses something like BillPay, you also need to account for envelope and stamps. That could add up to a full $10 per year if he mails two checks per month!
Title: Re: Mustachian People Problems (just for fun)
Post by: Astatine on August 16, 2014, 05:22:02 PM
I'm upset at how much I have spend on food and the time I need to cook/eat in order to counteract a fast metabolism.  :(

I've been eating the same as ever but a bit cheaper post MMM (long time vegetarian, making my own bread, making almost everything from scratch, dried beans, sale items, buying in bulk etc.) and still spending the same on groceries only for me as some of the lower numbers people mentioned for a couple in one of the "how much do you spend on groceries" threads.  On top of that, I was losing weight I didn't really expect/want to, and doing the same or less exercise as ever (+/-4-6km walking per day and a desk job) so I decided to tally up how many calories I was eating.  Turns out it was around 3500 most days.  On the plus side, I'm doing a good job money-wise of feeding the equivalent of of two people.

If this weight loss is a new thing, might be worth getting checked out by a doctor. There's a whole bunch of conditions that can cause weight loss (eg overactive thyroid, type 1 diabetes and other autoimmune conditions). It might be nothing, but IMO worth getting it checked out with some blood tests.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on August 17, 2014, 07:28:11 AM
For American fusion/farm-to-table/whatever it's called, the restaurants that we feel are a good value typically run us $130 to $170. We budget for one or two of these meals a month.

What some examples of these restaurants?
Title: Re: Mustachian People Problems (just for fun)
Post by: dorothyc on August 17, 2014, 09:34:41 AM
Forgetting which side of your car the fuel hatch is on...

+1


My daughter told me recently that if there is a little sideways pointing arrow next to the image of a gas tank on your instrument gauge, the triangle points to the side of the car that the hatch is on. I never knew that before. Per Lifehacker - the side of the hose might be the clue:
http://lifehacker.com/instantly-see-which-side-of-your-car-the-gas-tank-is-on-1174049329
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on August 17, 2014, 09:56:38 AM
DH is very old school and he pays bills by check, but holds them until the last minutes to earn every cent of interest we can on the money. And of course in this environment of low low interest, it's crazy not worth it.
Unless he uses something like BillPay, you also need to account for envelope and stamps. That could add up to a full $10 per year if he mails two checks per month!

He pays more than 2 a month, and yep, stamps are expensive.
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on August 17, 2014, 11:52:43 AM
Logged into my bank website today just to see how things where going. I had no transactions in the recent transactions part of the account summary.
Title: Re: Mustachian People Problems (just for fun)
Post by: Distshore on August 17, 2014, 01:48:53 PM
Spent a year looking to buy our first investment property.  Finally found a good one, but it's about 1/3 of what I was looking to spend.  So I guess I'll spend the next year looking for another two.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zaga on August 17, 2014, 08:12:26 PM
Forgetting which side of your car the fuel hatch is on...

+1


My daughter told me recently that if there is a little sideways pointing arrow next to the image of a gas tank on your instrument gauge, the triangle points to the side of the car that the hatch is on. I never knew that before. Per Lifehacker - the side of the hose might be the clue:
http://lifehacker.com/instantly-see-which-side-of-your-car-the-gas-tank-is-on-1174049329
That's true in most cars, but not all.  Maybe it's a more recent thing?  My DH's 2004 doesn't have that feature.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 18, 2014, 08:23:07 AM
For all the people that forget which side their fuel hatch is on, don't you have mirrors?  I can see both sides of my car in the mirrors, so I can just look and see which side the fuel hatch is on.  Also, as mentioned, most cars also have an arrow indicator on the fuel gauge in the instrument panel. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on August 18, 2014, 08:27:35 AM
Forgetting which side of your car the fuel hatch is on...

+1


My daughter told me recently that if there is a little sideways pointing arrow next to the image of a gas tank on your instrument gauge, the triangle points to the side of the car that the hatch is on. I never knew that before. Per Lifehacker - the side of the hose might be the clue:
http://lifehacker.com/instantly-see-which-side-of-your-car-the-gas-tank-is-on-1174049329
That's true in most cars, but not all.  Maybe it's a more recent thing?  My DH's 2004 doesn't have that feature.

Even without the arrow there is a way to tell by looking at the little picture of the gas pump on the dash.

If you look at the picture of the pump the handle is usually on one side or the other.  If the handle is on the right side of the pump in the picture, your gas filler is on the left. 

This has yet to let me down.  I'm guessing there are cars out there where this doesn't hold true but I have yet to come across any.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on August 18, 2014, 09:30:10 AM
For all the people that forget which side their fuel hatch is on, don't you have mirrors?  I can see both sides of my car in the mirrors, so I can just look and see which side the fuel hatch is on.  Also, as mentioned, most cars also have an arrow indicator on the fuel gauge in the instrument panel.

Well, you're not supposed to be able to see your own car in your sideview mirrors. The sideview mirrors are for seeing what's beside you. Take a look at this graphic: http://www.caranddriver.com/features/how-to-adjust-your-mirrors-to-avoid-blind-spots
Title: Re: Mustachian People Problems (just for fun)
Post by: eyePod on August 18, 2014, 09:39:47 AM
A lot of my blog's readers are from this forum. This means that I won't ever make a lot on ads since they're so mustachian that they don't click on them.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 18, 2014, 09:41:54 AM
For all the people that forget which side their fuel hatch is on, don't you have mirrors?  I can see both sides of my car in the mirrors, so I can just look and see which side the fuel hatch is on.  Also, as mentioned, most cars also have an arrow indicator on the fuel gauge in the instrument panel.

Well, you're not supposed to be able to see your own car in your sideview mirrors. The sideview mirrors are for seeing what's beside you. Take a look at this graphic: http://www.caranddriver.com/features/how-to-adjust-your-mirrors-to-avoid-blind-spots

I like Car Talk's take:

Quote
For years, we'd been setting our side-view mirrors so that they gave us a view of the back corner of our cars. This is the way it's been done for generations - from grandfather, to father, to us! But we finally discovered something very interesting. The back corner of the car never moves. It always stays in the same exact place. So there's really no reason to keep an eye on it.

By moving the side mirrors farther out, you can line up all three of your mirrors so they have minimal overlap -- and you can see everything behind you and beside you.

http://www.cartalk.com/sites/default/files/features/mirrors/CarTalkMirrors.pdf
Title: Re: Mustachian People Problems (just for fun)
Post by: Threshkin on August 18, 2014, 09:59:48 AM
Logged into my bank website today just to see how things where going. I had no transactions in the recent transactions part of the account summary.

This isn't normal?
Title: Re: Mustachian People Problems (just for fun)
Post by: Joggernot on August 18, 2014, 12:08:21 PM
For all the people that forget which side their fuel hatch is on, don't you have mirrors?  I can see both sides of my car in the mirrors, so I can just look and see which side the fuel hatch is on.  Also, as mentioned, most cars also have an arrow indicator on the fuel gauge in the instrument panel.

Well, you're not supposed to be able to see your own car in your sideview mirrors. The sideview mirrors are for seeing what's beside you. Take a look at this graphic: http://www.caranddriver.com/features/how-to-adjust-your-mirrors-to-avoid-blind-spots

+1
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 18, 2014, 12:49:00 PM
For all the people that forget which side their fuel hatch is on, don't you have mirrors?  I can see both sides of my car in the mirrors, so I can just look and see which side the fuel hatch is on.  Also, as mentioned, most cars also have an arrow indicator on the fuel gauge in the instrument panel.

Well, you're not supposed to be able to see your own car in your sideview mirrors. The sideview mirrors are for seeing what's beside you. Take a look at this graphic: http://www.caranddriver.com/features/how-to-adjust-your-mirrors-to-avoid-blind-spots

Hmm.  Definitely not was was taught in driver's ed when I took it.  I've never adjusted my mirrors specifically so I could see my car, I adjusted them so I had a full view behind me.  If I can't see the rear corner of my car in my side view then I have a blind spot in that area.  I find it very easy to turn my head left or right to see what's actually next to me.
Title: Re: Mustachian People Problems (just for fun)
Post by: hernandz on August 18, 2014, 01:14:59 PM
Quote
For years, we'd been setting our side-view mirrors so that they gave us a view of the back corner of our cars. This is the way it's been done for generations - from grandfather, to father, to us! But we finally discovered something very interesting. The back corner of the car never moves. It always stays in the same exact place. So there's really no reason to keep an eye on it.

By moving the side mirrors farther out, you can line up all three of your mirrors so they have minimal overlap -- and you can see everything behind you and beside you.

http://www.cartalk.com/sites/default/files/features/mirrors/CarTalkMirrors.pdf

For the young'uns, there once was a frequent need to parallel park BETWEEN cars, necessitating a mirror showing the back corner of your own car, as it was a point of pride not to scratch the nice shiny metal of the bumper.  I still drive into NYC on occasion, and parallel park between cars on the street (NYC garages/parking lots are extremely expensive with 18% tax on top of that).
 
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 18, 2014, 02:26:44 PM
Quote
For years, we'd been setting our side-view mirrors so that they gave us a view of the back corner of our cars. This is the way it's been done for generations - from grandfather, to father, to us! But we finally discovered something very interesting. The back corner of the car never moves. It always stays in the same exact place. So there's really no reason to keep an eye on it.

By moving the side mirrors farther out, you can line up all three of your mirrors so they have minimal overlap -- and you can see everything behind you and beside you.

http://www.cartalk.com/sites/default/files/features/mirrors/CarTalkMirrors.pdf

For the young'uns, there once was a frequent need to parallel park BETWEEN cars, necessitating a mirror showing the back corner of your own car, as it was a point of pride not to scratch the nice shiny metal of the bumper.  I still drive into NYC on occasion, and parallel park between cars on the street (NYC garages/parking lots are extremely expensive with 18% tax on top of that).

Bumpers were made out of metal?
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 18, 2014, 04:59:00 PM
Quote
For years, we'd been setting our side-view mirrors so that they gave us a view of the back corner of our cars. This is the way it's been done for generations - from grandfather, to father, to us! But we finally discovered something very interesting. The back corner of the car never moves. It always stays in the same exact place. So there's really no reason to keep an eye on it.

By moving the side mirrors farther out, you can line up all three of your mirrors so they have minimal overlap -- and you can see everything behind you and beside you.

http://www.cartalk.com/sites/default/files/features/mirrors/CarTalkMirrors.pdf

For the young'uns, there once was a frequent need to parallel park BETWEEN cars, necessitating a mirror showing the back corner of your own car, as it was a point of pride not to scratch the nice shiny metal of the bumper.  I still drive into NYC on occasion, and parallel park between cars on the street (NYC garages/parking lots are extremely expensive with 18% tax on top of that).

Bumpers were made out of metal?

That's what back-up cameras are for.

And don't forget these beauties:

(http://www.autofocus.ca/media/fal68lt9waez3r/atom_featured/29-Cat-Names-Cat-Whiskers-Curb-Feelers-VWVortex.jpg?t=2ab3c0af7c46e77dcb9b788f50b8fd21)
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 18, 2014, 05:26:31 PM
I just got the most perfect Mustachian problem...

(https://lh4.googleusercontent.com/-XzkJBO6AUC0/U_KEHKkOE7I/AAAAAAAALR4/QCxao-p7USo/w1597-h899-no/IMG_20140818_165344995.jpg)

Online bill-pay for the win!!

Edited to add: I'm pretty sure that's my savings account card.
Title: Re: Mustachian People Problems (just for fun)
Post by: Pootie22 on August 18, 2014, 05:42:58 PM
Chuck Norris borrows money from me.
Coworkers just stared at me for laughing at my computer lol
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 18, 2014, 05:55:58 PM
I just got the most perfect Mustachian problem...

(https://lh4.googleusercontent.com/-XzkJBO6AUC0/U_KEHKkOE7I/AAAAAAAALR4/QCxao-p7USo/w1597-h899-no/IMG_20140818_165344995.jpg)

Online bill-pay for the win!!

Edited to add: I'm pretty sure that's my savings account card.

All I could think of:
(http://img2-3.timeinc.net/ew/dynamic/imgs/080418/trees/Lord-of-The-Rings-Tree_l.jpg)
Title: Re: Mustachian People Problems (just for fun)
Post by: db_cooper on August 18, 2014, 06:26:20 PM
 Got a letter from the Credit Union because we had too much cash in savings, they'd rather have loans.  At least it was a nice reminder to move it to a Vanguard account. Like they couldn't afford to pay .01% annual interest.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 18, 2014, 08:37:05 PM
For all the people that forget which side their fuel hatch is on, don't you have mirrors?  I can see both sides of my car in the mirrors, so I can just look and see which side the fuel hatch is on.  Also, as mentioned, most cars also have an arrow indicator on the fuel gauge in the instrument panel.

Well, you're not supposed to be able to see your own car in your sideview mirrors. The sideview mirrors are for seeing what's beside you. Take a look at this graphic: http://www.caranddriver.com/features/how-to-adjust-your-mirrors-to-avoid-blind-spots

Hmm.  Definitely not was was taught in driver's ed when I took it.  I've never adjusted my mirrors specifically so I could see my car, I adjusted them so I had a full view behind me.  If I can't see the rear corner of my car in my side view then I have a blind spot in that area.  I find it very easy to turn my head left or right to see what's actually next to me.

Just got back from a car ride.  I can only see out the back window with the rear view, not out any of the sides.  The right side mirror I can see my car slightly, and as cars drive past on the right it comes into my vision - there is no blind spot on the right- I can see the car in my peripheal vision while it's still in my right side view.  The left side is adjusted slightly out - normal driving position I can't see my own car, but a slight turn of the head and I can see it.   So I can still see the fuel hatch on either side with no blind spots at all. 
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on August 19, 2014, 11:46:14 AM
Your mirrors should be such that you don't see the sides of your car unless you move your head to the side. So, barely not seeing the sides of the car, essentially. No blind spots for me when I do that.

Today's problem: I got so used to never using AC in California that the AC at work makes me cold.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 19, 2014, 01:44:59 PM
Your mirrors should be such that you don't see the sides of your car unless you move your head to the side. So, barely not seeing the sides of the car, essentially. No blind spots for me when I do that.

Today's problem: I got so used to never using AC in California that the AC at work makes me cold.

I also have no blind spots.  I can see cars with my eyes as well as with my side view mirrors simultaneously - and my own car. 
Title: Re: Mustachian People Problems (just for fun)
Post by: 87tweetybirds on August 19, 2014, 03:21:13 PM
Need to formulate a response for spendthrift friends and family who ask for "loans" after they figure out that my spending << my income.
+1
But I really did like this answer

Declining expenses: It's not that I'm broke, it's just that my money is already allocated! (Most people will hear this as Visa and mortgage rather than 401k and investments.)
Applies to both money and time: that's not what I've chosen to spend it on.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 19, 2014, 03:45:12 PM
Your mirrors should be such that you don't see the sides of your car unless you move your head to the side. So, barely not seeing the sides of the car, essentially. No blind spots for me when I do that.

Today's problem: I got so used to never using AC in California that the AC at work makes me cold.

I also have no blind spots.  I can see cars with my eyes as well as with my side view mirrors simultaneously - and my own car.

(http://gifsec.com/wp-content/uploads/GIF/2014/05/GIF-Eye-of-sauron.gif)
Title: Re: Mustachian People Problems (just for fun)
Post by: Grid on August 19, 2014, 04:22:31 PM
Your mirrors should be such that you don't see the sides of your car unless you move your head to the side. So, barely not seeing the sides of the car, essentially. No blind spots for me when I do that.

Today's problem: I got so used to never using AC in California that the AC at work makes me cold.

I also have no blind spots.  I can see cars with my eyes as well as with my side view mirrors simultaneously - and my own car.

(http://gifsec.com/wp-content/uploads/GIF/2014/05/GIF-Eye-of-sauron.gif)

I wonder if Sauron technically has an optic nerve, and therefore a blind spot?  Hmm.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 19, 2014, 04:37:10 PM


I wonder if Sauron technically has an optic nerve, and therefore a blind spot?  Hmm.

If you want to get fictionally technical, I'm pretty sure Sauron doesn't actually see everywhere at once.  But I still couldn't resist.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 19, 2014, 06:04:41 PM


I wonder if Sauron technically has an optic nerve, and therefore a blind spot?  Hmm.

If you want to get fictionally technical, I'm pretty sure Sauron doesn't actually see everywhere at once.  But I still couldn't resist.

Someone is on a LOTR kick. Btw, are you calling me ...
...
...
slow?
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on August 19, 2014, 06:48:54 PM
I had to endure a speel from the electric company about how they would "work with us" on a big bill that came about because our meter broke and we didn't pay for use for a few months. DH, the bill payer, claimed he didn't notice lack of appropriate billing for a few months, and then, it was a few months before they replaced the meter and the total bill was high. They outlined financing options and yadda yadda. When that talk was over, we just wrote a check for the $1,700 we owed.
Title: Re: Mustachian People Problems (just for fun)
Post by: WESTOFTHEHUDSON on August 19, 2014, 09:59:49 PM
I'm also surprised by payday.... It seems to happen every other day (although my co-workers beg for the payroll person to go to their bank first) and anticipate it.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 19, 2014, 11:21:35 PM
I'm also surprised by payday.... It seems to happen every other day (although my co-workers beg for the payroll person to go to their bank first) and anticipate it.

I'd be on board with bi-daily payday.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on August 20, 2014, 02:20:40 AM
Years ago I had a car payment set up to trasfer $585 from my paycheck every two weeks.  When the loan paid out there was a glitch.  The $585 kept being deducted every two weeks.   When I received my next account statement I found where it went.  It reverted to my savings account. That was 2003 and I haven't fixed the glitch yet.
Title: Re: Mustachian People Problems (just for fun)
Post by: DrJohn on August 20, 2014, 03:20:05 AM
I bought a rather nice historic place in the UK as an investment/holiday home.  It was a fine afternoon and I started to do some tidying up on the patio.  One of the neighbors asked me if I was the new gardener...
Title: Re: Mustachian People Problems (just for fun)
Post by: Tieke on August 20, 2014, 03:40:16 AM
I'm about to turn 40 and I've had to tell all my loved ones not to buy me a present because there's nothing I need and I have nowhere to store useless crap.  Some of them won't believe me.
Title: Re: Mustachian People Problems (just for fun)
Post by: Joggernot on August 20, 2014, 06:28:12 AM
I bought a rather nice historic place in the UK as an investment/holiday home.  It was a fine afternoon and I started to do some tidying up on the patio.  One of the neighbors asked me if I was the new gardener...
LOL!
Title: Re: Mustachian People Problems (just for fun)
Post by: ariapluscat on August 20, 2014, 08:30:21 AM
Friends always ask me for cooking and cleaning advice bc apparently at 20 no one knows how to do these things themselves. Relatedly, being more at home with middle age coworkers who pack their lunches than fellow college students who buy (and then complain about) their lunch.
Title: Re: Mustachian People Problems (just for fun)
Post by: Grid on August 20, 2014, 08:54:24 AM
Riding your bike to events, and receiving the offer of a ride home followed by weird looks when you say you will actually enjoy your ride home.  It's not deliberate masochism!
Title: Re: Mustachian People Problems (just for fun)
Post by: dycker1978 on August 20, 2014, 09:04:47 AM
I'm also surprised by payday.... It seems to happen every other day (although my co-workers beg for the payroll person to go to their bank first) and anticipate it.

I'd be on board with bi-daily payday.
Espically if the amount did not decrease from my bi-weekly amount...
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 20, 2014, 10:15:42 AM
I bought a rather nice historic place in the UK as an investment/holiday home.  It was a fine afternoon and I started to do some tidying up on the patio.  One of the neighbors asked me if I was the new gardener...
I would have answered something like "No, I am just the shoe boy. The gardener, cook and chaffeur come next week, but the door guards start tomorrow."
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on August 20, 2014, 11:12:56 AM
I bought a rather nice historic place in the UK as an investment/holiday home.  It was a fine afternoon and I started to do some tidying up on the patio.  One of the neighbors asked me if I was the new gardener...
I would have answered something like "No, I am just the shoe boy. The gardener, cook and chaffeur come next week, but the door guards start tomorrow."

Say yes!  Check to see if they would like to hire you.  ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on August 20, 2014, 02:52:55 PM
You have more than 1 bike per person in the household.

QFT, we have 4 bikes for 2 people.  My 'Hybrid' bike that's been taking me to work since march 2013 about 90% of the time, my 'new' $45 1989 Raleigh I got at a yard sale (I hit 35pmh the other day!), and two 24" bikes for my wife, one she's had since highschool, and one was a $15 yardsale purchase. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on August 20, 2014, 04:03:06 PM
Riding your bike to events, and receiving the offer of a ride home followed by weird looks when you say you will actually enjoy your ride home.  It's not deliberate masochism!

I get this one a lot
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on August 20, 2014, 05:04:39 PM
I have to set a reminder in my phone to put out the trash because I forget what day it is since I don't have a work schedule anymore.
Title: Re: Mustachian People Problems (just for fun)
Post by: Elderwood17 on August 20, 2014, 05:21:44 PM
I never have anything to add to the conversation at work about current movies and celebrities.  People honestly don't understand how you can go several years between trips to the movie theaters.
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on August 20, 2014, 05:32:35 PM
I never have anything to add to the conversation at work about current movies and celebrities.  People honestly don't understand how you can go several years between trips to the movie theaters.
My coworkers know that I don't go to the theater, but I do get great Netflix recommendations from them!
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on August 20, 2014, 10:05:17 PM
You have more than 1 bike per person in the household.

QFT, we have 4 bikes for 2 people.  My 'Hybrid' bike that's been taking me to work since march 2013 about 90% of the time, my 'new' $45 1989 Raleigh I got at a yard sale (I hit 35pmh the other day!), and two 24" bikes for my wife, one she's had since highschool, and one was a $15 yardsale purchase.

Oh man...I've got 3 bikes and it's just me. I guess this belongs in this thread because some friends came over after I moved recently and almost had a heart attack when they saw I had three bikes. Well, they are super-spendy on clothes, jewelry, purses, and shoes, so I don't think they were judging me. Then they were trying to convince me to buy a scooter since I am in a fun/touristy area and thought it would be a good way to get around. I said I wouldn't want a scooter, as walking and biking were fine.

One bike was purchased in 1994 or 1995 and it's a hybrid. Works great and have used it to go to work.
The other is an entry level road bike (reasonable price) purchased in 2006 when I got into road cycling.
The third is the decadent one I purchased recently - a super pricey carbon road bike in order to keep up with everyone else that has a carbon bike (face punch).

At this rate, I seem to be acquiring a new one each decade. They all have their purpose.
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on August 20, 2014, 11:22:27 PM
I never have anything to add to the conversation at work about current movies and celebrities.  People honestly don't understand how you can go several years between trips to the movie theaters.
I get this a lot but it's because I was deployed a lot. I remember the last time I came home and everyone was texting. I didn't understand it...why would I pay extra for someone to text instead of calling. It took about a year before I gave in.
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on August 20, 2014, 11:28:14 PM
You have more than 1 bike per person in the household.

QFT, we have 4 bikes for 2 people.  My 'Hybrid' bike that's been taking me to work since march 2013 about 90% of the time, my 'new' $45 1989 Raleigh I got at a yard sale (I hit 35pmh the other day!), and two 24" bikes for my wife, one she's had since highschool, and one was a $15 yardsale purchase.

Oh man...I've got 3 bikes and it's just me. I guess this belongs in this thread because some friends came over after I moved recently and almost had a heart attack when they saw I had three bikes. Well, they are super-spendy on clothes, jewelry, purses, and shoes, so I don't think they were judging me. Then they were trying to convince me to buy a scooter since I am in a fun/touristy area and thought it would be a good way to get around. I said I wouldn't want a scooter, as walking and biking were fine.

One bike was purchased in 1994 or 1995 and it's a hybrid. Works great and have used it to go to work.
The other is an entry level road bike (reasonable price) purchased in 2006 when I got into road cycling.
The third is the decadent one I purchased recently - a super pricey carbon road bike in order to keep up with everyone else that has a carbon bike (face punch).

At this rate, I seem to be acquiring a new one each decade. They all have their purpose.
I bought my first bike in 92...it was a cannondale dalta V 500 ($1600 at the time) but still running strong. I still love it! I hope I still have it in 30 years!
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on August 21, 2014, 06:45:57 AM
Riding your bike to events, and receiving the offer of a ride home followed by weird looks when you say you will actually enjoy your ride home.  It's not deliberate masochism!

I get this one a lot

Once while I was riding to work in the winter, someone in a minivan slowed down next to me, rolled down their window, and yelled out asking if I wanted/needed a ride.  I was already fully dressed for the weather, and I probably would have been to warm in their van. 

Most people assume that I must have lost my license or don't have a car or something.  (It also doesn't help that I layer up and 'look like a hobo' instead of buying fancy spandex riding gear)

I thanked her for the offer, but told her I was just fine as I was, inspite of the 'polar vortex' weather we'd been having. 
Title: Re: Mustachian People Problems (just for fun)
Post by: zinnie on August 21, 2014, 06:54:52 AM
One line email from my husband yesterday with the subject line "401k":

They finally add a Vanguard fund…and the ER is still about .40. Jeeeeez.

I just wrote back: Rich people problems?

We both got a good laugh out of it.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on August 21, 2014, 07:36:28 AM
Riding your bike to events, and receiving the offer of a ride home followed by weird looks when you say you will actually enjoy your ride home.  It's not deliberate masochism!

I get this one a lot

Once while I was riding to work in the winter, someone in a minivan slowed down next to me, rolled down their window, and yelled out asking if I wanted/needed a ride.  I was already fully dressed for the weather, and I probably would have been to warm in their van. 

Most people assume that I must have lost my license or don't have a car or something.  (It also doesn't help that I layer up and 'look like a hobo' instead of buying fancy spandex riding gear)

I thanked her for the offer, but told her I was just fine as I was, inspite of the 'polar vortex' weather we'd been having.

I get this from coworkers every time it starts to sprinkle out.  OMG nacho do you need a ride?  I can give you a ride home in the work truck.  Uh, no thanks, it's ok if I get wet.  I have towels and clean clothes at home.
Title: Re: Mustachian People Problems (just for fun)
Post by: Michael792 on August 21, 2014, 07:57:45 AM
Riding your bike to events, and receiving the offer of a ride home followed by weird looks when you say you will actually enjoy your ride home.  It's not deliberate masochism!

I get this one a lot

Once while I was riding to work in the winter, someone in a minivan slowed down next to me, rolled down their window, and yelled out asking if I wanted/needed a ride.  I was already fully dressed for the weather, and I probably would have been to warm in their van. 

Most people assume that I must have lost my license or don't have a car or something.  (It also doesn't help that I layer up and 'look like a hobo' instead of buying fancy spandex riding gear)

I thanked her for the offer, but told her I was just fine as I was, inspite of the 'polar vortex' weather we'd been having.

I get this from coworkers every time it starts to sprinkle out.  OMG nacho do you need a ride?  I can give you a ride home in the work truck.  Uh, no thanks, it's ok if I get wet.  I have towels and clean clothes at home.

I'm not even allowed an umbrella in uniform, I'm pretty sure. And the issue wet weather gear makes you sweat more than it keeps rain off. Better just to walk around in normal uniform and get soaked. Keep everything in ziplocks, and the monsoons can't really mess with you too bad.
Title: Re: Mustachian People Problems (just for fun)
Post by: dycker1978 on August 21, 2014, 08:40:25 AM
Had to fill up my vehicle this morning for the first time in a month.  Got to the pump and the price was 1.32 a Liter.  I gasp at how this has gotten to the person filling up next to me.  He states that the price is actually down 5 cents a liter from eailier this week.  It make me remeber why I  bioke/bus everywhere.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 21, 2014, 09:25:34 AM
Biking home yesterday threw off my whole schedule. I ate so many bugs on the way, I couldn't justify cooking dinner until I was hungry again.
Title: Re: Mustachian People Problems (just for fun)
Post by: Lizzy B. on August 21, 2014, 09:40:46 AM
Mustachian problem #172: Having to get creative when answering questions about your “mortgage company” that expedited our home purchase.

We moved cities to take a new job, and purchased a house with cash.  Since it was cash, everything went really quickly, and our coworkers were amazed that we were able to move in so soon.  Since we were just getting to know our coworkers, we didn’t want to advertise that we paid cash, so we tried to equivocate.  Ended up saying that since it was the same mortgage company we’d used in the past, they could speed up the approval process.  Technically true, but still…
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on August 21, 2014, 09:44:51 AM
At this rate, I seem to be acquiring a new one each decade. They all have their purpose.

A bike every decade? You know, it was for decadence like this that Rome fell...
Title: Re: Mustachian People Problems (just for fun)
Post by: Happy Little Chipmunk on August 21, 2014, 09:52:45 AM
When walking out of the bank after a discussion of our ahead-of-schedule retirement planning, my shoes fell apart. Only I noticed because they still somehow clung to my feet, but when we got to our 13 year old Prius and I told my husband we bust a gut and I drove home barefoot.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on August 21, 2014, 11:11:59 AM
Accidentally set up direct deposit to the wrong account, one that's not linked to online banking. That was two months ago, and it looks like I may actually have to go down to the bank and change things in another month or two. :-)

The payroll person at my wife's job fat fingered an extra digit into her bank account number, and he never noticed the software wouldn't let him write the last digit in, and it went into some other account at my wife's bank for several months.... we didn't notice until much later when we looked and 'oh, Your account has been at the same value for a while'. 

All of her co-workers couldn't understand why this wasn't detected right away and why it wasn't an emergency...
Title: Re: Mustachian People Problems (just for fun)
Post by: Money Bags on August 21, 2014, 12:35:29 PM
When you're ready to give up some of your old clothing, you don't get to feel generous about donating it. It's so worn out that the only place it will be accepted is in the trash.

Mine migrates to the garage where I tear it up and use it as rags when working on my 13 year old car.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on August 21, 2014, 12:47:08 PM
When you're ready to give up some of your old clothing, you don't get to feel generous about donating it. It's so worn out that the only place it will be accepted is in the trash.

Mine migrates to the garage where I tear it up and use it as rags when working on my 13 year old car.

^^ This

Although in my house it's a two step process.  The parts nice enough to be cleaning rags in the house are snatched by DW and the scraps go to the garage. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Kaspian on August 21, 2014, 01:33:05 PM
- When people sit around talking about material things they want, I now get very confused and think maybe I should invent something.
- The bank keeps calling me and they're confused as to what's going on.  No debt and investment money has piled like crazy the last two years.  "Saving for a house?," they ask.  Nope.  "You really should come in and talk to an advisor."  Nope.  Once I got away from the advisors and into self-directed index funds, life really started to roll.  I think maybe one day they'll call the police saying my savings rate is impossible.   :(
Title: Re: Mustachian People Problems (just for fun)
Post by: dycker1978 on August 21, 2014, 01:44:11 PM
- When people sit around talking about material things they want, I now get very confused and think maybe I should invent something.
- The bank keeps calling me and they're confused as to what's going on.  No debt and investment money has piled like crazy the last two years.  "Saving for a house?," they ask.  Nope.  "You really should come in and talk to an advisor."  Nope.  Once I got away from the advisors and into self-directed index funds, life really started to roll.  I think maybe one day they'll call the police saying my savings rate is impossible.   :(
That is funny...

We really need a like button!
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 21, 2014, 02:21:08 PM
Quote from: solon
A bike every decade? You know, it was for decadence like this that Rome fell...
ROFL!

Quote
When walking out of the bank after a discussion of our ahead-of-schedule retirement planning, my shoes fell apart.
I just noticed a tiny hole in one of my T-shirts left sleeve at the ellbow. Its the third! this year. All the 3 times the left ellbow. I blame the thinker position. And my birthday was just 2 month ago. Seems I have to wait until the end of the year for a new one ;) Fortunately I had made 2 "fun" Ts last year. But I dont want to wear out the FSM... hm... problems!
Guess after a decade or so the fabric is so thin it just happens.
That also rules out donating ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: mariarose on August 21, 2014, 02:42:09 PM
+1 for using and enjoying the expensive wine glasses….but not replacing them if they break.

I save money by drinking wine out of a Yahtzee tumbler from the thrift store.

Our wine/whiskey/juice glasses are repurposed Mole jars, Dona Maria brand, 8.25 ounce size.  Seriously, they are sturdy, lovely little glasses, and we like mole, so as far as I am concerned they are free.

My personal mustachian people problem is judgementalism.  Me being judgemental of almost everyone I see around me, because poor people, who come from poor people, don't seem to have an idea that things could be different, and they could make different choices. Unlike most of you, I am poor, and live in an extremely poor area, and we have different mindset problems than your neighbors/coworkers. We don't buy into having to have princess cakes, and timeshares.  No, when our monthly income arrives, we blow it on cigarettes, frozen pizza, and running our pickup trucks all over creation.  Then for 2 1/2 weeks we beg off of one another. And complain. 

I come across as strange because I am not surprised when car insurance or property taxes are due, and don't get locked into the mindset of things have always been this way, so it is the right way to be.  Seriously, if hamburger is more expensive than roast this week, then plan your meals around roast, don't insist on hamburger and then complain about the price...

This lack of empathy does not effect my friends, neighbors, coworkers, only me, so it is my people problem.  I have simply started hiding my stability (not wealth, I promise) in order to fend off the begging, but that gets pretty isolating.  I find I can't be happy when someone is expecting, because I know she can't afford to raise it.  I can't be happy when 2 people are getting married, because I know one of them is only looking to be taken care of and has no intention of growing up and learning to be a true supportive partner.

Again, these are things I know, not assumptions, but it is causing a guardedness, a jadedness, a lack of joy and optimism in my day to day encounters.  I just put my head down, keep going to work, and keep planning for the future.  I have such a fantastic relationship with my husband, but a lack social connection to anyone else here.  Sometimes I really wish I were not such a misfit, but I would not choose to be what I see around me, not for anything.  One day, maybe I can conquer the judgement.

Sorry this is not 'fun'.

Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 21, 2014, 02:50:46 PM
Sorry this is not 'fun'.

Yeah, jerk. :P

That is a relatively common problem around these parts. I see something about it in a good chunk of not quite related threads. Don't worry about it, it's not just you. There is a cost to being in front of the curve, it's just not financial. That's why we do meetups for those who like them.
Title: Re: Mustachian People Problems (just for fun)
Post by: mariarose on August 21, 2014, 04:36:57 PM
Thanks for the encouragement, Jordanread
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 21, 2014, 04:52:15 PM
Thanks for the encouragement, Jordanread

Not a problem. As a misanthrope, I don't give a crap about any of that, but I understand that some people do. Also, the meetups I've gone to have been a blast. I don't know where you are located, but if it's in Colorado Springs, I'm more than willing to hang out. Also, I should be upping the amount of virtual interactions with hangouts at the G+ community. Through that, I've met theGoblinChief, Bakari, and quite a few more. It might help. Link is in my signature.
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on August 21, 2014, 06:27:51 PM
At this rate, I seem to be acquiring a new one each decade. They all have their purpose.

A bike every decade? You know, it was for decadence like this that Rome fell...

Be warned - my next bike purchase will be in the 2020s. Sell your stocks before then in order to survive the apocalypse.
Title: Re: Mustachian People Problems (just for fun)
Post by: Breaker on August 21, 2014, 09:42:40 PM
Biting my tongue to stop from asking the woman ahead of me in the checkout line at Whole Foods why she was shopping there.

Her bill was $58.+,  she paid with a few paper bills and some rolls of coins.  However, she had to return 2 or 3 items because she didn't have enough money. 

BTW, I was there because I read an article that said that WF had organic milk $2.50 cheaper per gallon than Trader Joe's.  Not true, it is the same price.

Jan
Title: Re: Mustachian People Problems (just for fun)
Post by: tmac on August 21, 2014, 09:54:41 PM
+1 for using and enjoying the expensive wine glasses….but not replacing them if they break.

I save money by drinking wine out of a Yahtzee tumbler from the thrift store.

Our wine/whiskey/juice glasses are repurposed Mole jars, Dona Maria brand, 8.25 ounce size.  Seriously, they are sturdy, lovely little glasses, and we like mole, so as far as I am concerned they are free.

Yes!! We just moved and I can't find mole anywhere, much less Dona Maria so I can work on my wine glass collection. I'm about to order a case from Amazon.
Title: Re: Mustachian People Problems (just for fun)
Post by: Tectressa on August 22, 2014, 04:02:23 AM
I have to set a reminder in my phone to put out the trash because I forget what day it is since I don't have a work schedule anymore.

Ha, me too.
Title: Re: Mustachian People Problems (just for fun)
Post by: Elderwood17 on August 22, 2014, 10:19:22 AM
I never have anything to add to the conversation at work about current movies and celebrities.  People honestly don't understand how you can go several years between trips to the movie theaters.
My coworkers know that I don't go to the theater, but I do get great Netflix recommendations from them!
I am always surprised at the number of people who automatically assume you are planning to go to the latest blockbuster.  "Have you seen Movie XYZ yet?  We went this weekend."  I used to explain that I had no interest in seeing it but now I just say "No, not yet" and let it go.
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on August 22, 2014, 11:15:34 AM
A fellow finance coworker was excited and told me that he found out how to get lower fees on our 401ks. 

I was really pumped since there's a brokerage option that can cut fees down to 0.06% fees for a portion of the 401k and I wanted to see how it worked. 

Turns out that he just found the basic index fund options with 0.3-0.6% fees versus the managed funds at 1+% fees.  Yay for him... but d'oh since we've been at the company for 5 years.

Title: Re: Mustachian People Problems (just for fun)
Post by: dorothyc on August 22, 2014, 11:43:22 AM
I was talking to a neighbor on our doorstep, when his three year old son sneezed violently and the dad asked me for a tissue. I never buy Kleenex - only have old fashioned handkerchiefs , so I handed him a wad of toilet paper. I felt slightly embarrassed when the dad noticed what it was, not sure why.
Title: Re: Mustachian People Problems (just for fun)
Post by: EarlyQuit on August 22, 2014, 12:01:15 PM

I was talking to a neighbor on our doorstep, when his three year old son sneezed violently and the dad asked me for a tissue. I never buy Kleenex - only have old fashioned handkerchiefs , so I handed him a wad of toilet paper. I felt slightly embarrassed when the dad noticed what it was, not sure why.
+1
Hey, I used to think I was the only person in this country using handkerchiefs... but there are 2 of us! :) I always get the "what the hell is that?!?" when I pull one out in public.
Title: Re: Mustachian People Problems (just for fun)
Post by: Kaspian on August 22, 2014, 12:09:01 PM
...No, when our monthly income arrives, we blow it on cigarettes, frozen pizza, and running our pickup trucks all over creation.  Then for 2 1/2 weeks we beg off of one another. And complain. 

Do you live in my town?!  By the end of the month people be waiting in line at the soup kitchen with a pack of cigarettes in one hand and a takeout coffee in the other.
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on August 22, 2014, 12:38:21 PM
This lack of empathy does not effect my friends, neighbors, coworkers, only me, so it is my people problem.  I have simply started hiding my stability (not wealth, I promise) in order to fend off the begging, but that gets pretty isolating.  I find I can't be happy when someone is expecting, because I know she can't afford to raise it.  I can't be happy when 2 people are getting married, because I know one of them is only looking to be taken care of and has no intention of growing up and learning to be a true supportive partner.

...

Sorry this is not 'fun'.

I hear you.  A coworker just had a baby and is currently moaning on Facebook about daycare costs.  This same girl, while pregnant, happily spent hundreds if not thousands of dollars on expensive outfits that if she's lucky the kid will wear twice before growing out of them (why, yes, the baby's a girl and the first).  Like many, I think she put more thought into the "gender reveal" party and the kid's name than, you know, the actualities of raising a child.  I respect people like the MMMs who appreciate that raising a decent human being is a tough job and deserves full attention, or those who bite the bullet and economize so one parent can stay home.  But no, just go ahead and bring a newborn to daycare, at least you know her outfit's pretty and will make the caregiver coo!  :headdesk: 

I would also add that this same girl once complimented me on my sweater and sighed that she wished she could afford "nice clothes."  I thanked her without telling her it was a Lands End sweater I've had for fifteen years.  ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: Cherry Lane on August 22, 2014, 01:47:09 PM

I was talking to a neighbor on our doorstep, when his three year old son sneezed violently and the dad asked me for a tissue. I never buy Kleenex - only have old fashioned handkerchiefs , so I handed him a wad of toilet paper. I felt slightly embarrassed when the dad noticed what it was, not sure why.
+1
Hey, I used to think I was the only person in this country using handkerchiefs... but there are 2 of us! :) I always get the "what the hell is that?!?" when I pull one out in public.
Make that three of us. 

My mother brings boxes of kleenex when she visits and then leaves them here for future visits.  (I just get to store them, thanks.)  So I would have had one to give a doorstep sneezer. 

She did also give me some new hankies last xmas, after noticing some of mine are pretty worn out.  They are monogrammed with the letter N (which is not an initial of mine).  "N?" I asked.  "N for Nose!" she ad libbed.  She'd bought them on clearance at a discount store.  Who cares what they look like if they do the job?
Title: Re: Mustachian People Problems (just for fun)
Post by: Eric on August 22, 2014, 02:19:54 PM
She did also give me some new hankies last xmas, after noticing some of mine are pretty worn out.  They are monogrammed with the letter N (which is not an initial of mine).  "N?" I asked.  "N for Nose!" she ad libbed.  She'd bought them on clearance at a discount store.  Who cares what they look like if they do the job?

That sounds pretty Mustachian!  Maybe you're rubbing off on her.  :)
Title: Re: Mustachian People Problems (just for fun)
Post by: Bob W on August 22, 2014, 03:09:18 PM
When we applied for our first mortgage, the bank called us THREE times to confirm that we did indeed mean to report that we had zero dollars in debt. There was no box on the form for "no debt," so we had to write it in the margins. They kept asking us "how?..."

You have to be making this one up?  lol
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on August 22, 2014, 03:11:33 PM

Again, these are things I know, not assumptions, but it is causing a guardedness, a jadedness, a lack of joy and optimism in my day to day encounters.  I just put my head down, keep going to work, and keep planning for the future.  I have such a fantastic relationship with my husband, but a lack social connection to anyone else here.  Sometimes I really wish I were not such a misfit, but I would not choose to be what I see around me, not for anything.  One day, maybe I can conquer the judgement.


That is tough, but I suspect you're happier for guarding yourself.  If you didn't, you might be getting ripped off on the regular or constantly disappointed.

I suspect that, one day, your social context will change and that will be what makes the difference.  Keep looking for people you do fit better with and connect with them.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bob W on August 22, 2014, 03:29:56 PM
Biting my tongue to stop from asking the woman ahead of me in the checkout line at Whole Foods why she was shopping there.

Her bill was $58.+,  she paid with a few paper bills and some rolls of coins.  However, she had to return 2 or 3 items because she didn't have enough money. 

BTW, I was there because I read an article that said that WF had organic milk $2.50 cheaper per gallon than Trader Joe's.  Not true, it is the same price.

Jan

You might want look into milk?  If you like it that is fine, but it really is made for calf consumption and even the organic stuff is homogenized and pasteurized.   My wife likes it even though she drinks skim milk.  I refuse to feed it to guests or children over 2. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Bob W on August 22, 2014, 03:39:52 PM
Although I have one now,  I went for several (maybe 6?) months without a phone, computer, cable or net a couple of years ago.   Well I did have PBS television,  all 3 channels!     My adult children couldn't understand how this is possible.   They would get kinda freaky about the no TV thing. 

In fact, my wife's sister and husband, who we adore, will not visit on the weekends because they can't watch football, racing, The Derby or whatever other sporting event might be on.   I just don't get it?   I haven't watched a TV sports program for probably a decade.   

How on earth am I so happy???
Title: Re: Mustachian People Problems (just for fun)
Post by: BooksAreNerdy on August 22, 2014, 03:47:55 PM
Biting my tongue to stop from asking the woman ahead of me in the checkout line at Whole Foods why she was shopping there.

Her bill was $58.+,  she paid with a few paper bills and some rolls of coins.  However, she had to return 2 or 3 items because she didn't have enough money. 

BTW, I was there because I read an article that said that WF had organic milk $2.50 cheaper per gallon than Trader Joe's.  Not true, it is the same price.

Jan

You might want look into milk?  If you like it that is fine, but it really is made for calf consumption and even the organic stuff is homogenized and pasteurized.   My wife likes it even though she drinks skim milk.  I refuse to feed it to guests or children over 2. 

We have our own cow, so I feel qualified to comment here. Once milk has been cooked and processed (pasteurized and homogenized) its basically just a milk flavored drink. Go local for this one, totally worth it to buy fresh raw milk.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on August 22, 2014, 03:48:50 PM
Biting my tongue to stop from asking the woman ahead of me in the checkout line at Whole Foods why she was shopping there.

Her bill was $58.+,  she paid with a few paper bills and some rolls of coins.  However, she had to return 2 or 3 items because she didn't have enough money. 

BTW, I was there because I read an article that said that WF had organic milk $2.50 cheaper per gallon than Trader Joe's.  Not true, it is the same price.

Jan

You might want look into milk?  If you like it that is fine, but it really is made for calf consumption and even the organic stuff is homogenized and pasteurized.   My wife likes it even though she drinks skim milk.  I refuse to feed it to guests or children over 2.

I refuse to feed eggs to guests because it's really made for becoming a chicken.
Title: Re: Mustachian People Problems (just for fun)
Post by: PindyStache on August 22, 2014, 04:33:15 PM
I've learned to be careful about discussing purchases. When we bought a car several years back, people asked what kind of a rate we got.

"We paid cash."

(Complete look of bewilderment.)

So now I just don't bring up purchases in casual conversation. Too risky!

You could just say "I forget but I know it's 0% for a while." This would be technically accurate and would allow you to fit in with all the Consumer Suckas out there.
Title: Re: Mustachian People Problems (just for fun)
Post by: C. K. on August 22, 2014, 06:13:46 PM

I was talking to a neighbor on our doorstep, when his three year old son sneezed violently and the dad asked me for a tissue. I never buy Kleenex - only have old fashioned handkerchiefs , so I handed him a wad of toilet paper. I felt slightly embarrassed when the dad noticed what it was, not sure why.
+1
Hey, I used to think I was the only person in this country using handkerchiefs... but there are 2 of us! :) I always get the "what the hell is that?!?" when I pull one out in public.

LIZA. Whats this for?

HIGGINS. To wipe your eyes. To wipe any part of your face
that feels moist. Remember: thats your handkerchief; and thats
your sleeve. Dont mistake the one for the other....
Title: Re: Mustachian People Problems (just for fun)
Post by: eyesonthehorizon on August 22, 2014, 11:47:59 PM
This lack of empathy does not effect my friends, neighbors, coworkers, only me, so it is my people problem. ...
[paragraph reduction:] ...hiding... fend off... gets pretty isolating.  I find I can't be happy...

...causing a guardedness, a jadedness, a lack of joy and optimism in my day to day encounters.  I just put my head down, keep going to work, and keep planning for the future.  I have such a fantastic relationship with my husband, but a lack social connection to anyone else here.  Sometimes I really wish I were not such a misfit, but I would not choose to be what I see around me, not for anything.  One day, maybe I can conquer the judgement.

Sorry this is not 'fun'.
Mustachian people problems: The red pill is just not 'fun'. You can't divorce only the parts of a society that don't work for you.

Does this judgement need to be conquered, exactly? This is what it looks like to show awareness, the results of contemplation. This is not callous prejudice, this is frustration with a self-reinforcing culture cycling waste and want and misery. From the language in this post, it's often not that we don't have empathy - we needn't care about the issue after our own progression if we don't care about the people it affects on some level; it's just that they're too far gone to bond with.

I get this. When we have a society profiting on human discontent we are all injured by it, even when we've opted out. Rebel against a dominant social convention which harms people and you not only deal with well-intentioned arguments for drinking poison but the essential invisibility of anyone else who doesn't want to because we all have to duck our heads to avoid a scene, as the status quo defends itself. The people around us, some of whom we might care for quite a bit, are choosing a grayer, shabbier, more dismal reality on the daily; as with any challenge to the authority of convention, it is completely natural to want to retreat into a safe sane space.

There are seeds of power in the tendency to co-humanism at the root of this. How to deal with compassion in a broken world? In the Western tradition you fight for change, hopefully with a dose of awareness of your Circles of Control. In the Eastern tradition you learn to be impartial - you sigh not so, but let them go, and be you blithe and bonny... like this thread. There are times it's better to laugh than cry, and especially in a context when you can laugh together.

My mustachian problem is that there are so many different levels of progress on this forum it's hard to find those in my own same boat right now; a form of hedonic adaptation, that it used to be a relief just to have the subculture and now I want a sub-sub-subchapter devoted to "hair fires only recently extinguished" experiences.
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on August 23, 2014, 01:48:38 AM
I never have anything to add to the conversation at work about current movies and celebrities.  People honestly don't understand how you can go several years between trips to the movie theaters.
My coworkers know that I don't go to the theater, but I do get great Netflix recommendations from them!
I am always surprised at the number of people who automatically assume you are planning to go to the latest blockbuster.  "Have you seen Movie XYZ yet?  We went this weekend."  I used to explain that I had no interest in seeing it but now I just say "No, not yet" and let it go.

I don't understand how people get excited over the "new" 23rd sequel of Spiderman (or other superhero movies). I think the genre is tired out and have no interest in seeing another superhero movie. Is it just me?

I am lucky to live in a fun/touristy area and over the tourist season (not summer) they have free open air movies on one or two weeknights. It's usually 6-12 month old movies and sometimes some classics as well. I'm always telling my friends about it but don't get many takers. It's a beautiful night out under the stars watching a free movie. What's not to love?

So now anytime anyone invites me to a movie (to pay for), I always think to myself that the same movie will probably be shown for free in 6 months so why would I want to pay for it? One time I was successfully able to divert a friend away from a pay-for movie by suggesting a free open air jazz concert on the same night. I don't think she noticed the clever diversion away from pay-for entertainment, but it was quite successful. We had fun at the concert.

I'm always keeping an eye out for the free events. ;-)
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 23, 2014, 01:54:48 AM
I've learned to be careful about discussing purchases. When we bought a car several years back, people asked what kind of a rate we got.

"We paid cash."

(Complete look of bewilderment.)

So now I just don't bring up purchases in casual conversation. Too risky!

You could just say "I forget but I know it's 0% for a while." This would be technically accurate and would allow you to fit in with all the Consumer Suckas out there.
No, this is a lie, they didnt forget.
Just state teh inflation - for cash that can't be wrong ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on August 23, 2014, 03:08:12 AM

I don't understand how people get excited over the "new" 23rd sequel of Spiderman (or other superhero movies). I think the genre is tired out and have no interest in seeing another superhero movie. Is it just me?

I am lucky to live in a fun/touristy area and over the tourist season (not summer) they have free open air movies on one or two weeknights. It's usually 6-12 month old movies and sometimes some classics as well. I'm always telling my friends about it but don't get many takers. It's a beautiful night out under the stars watching a free movie. What's not to love?

So now anytime anyone invites me to a movie (to pay for), I always think to myself that the same movie will probably be shown for free in 6 months so why would I want to pay for it? One time I was successfully able to divert a friend away from a pay-for movie by suggesting a free open air jazz concert on the same night. I don't think she noticed the clever diversion away from pay-for entertainment, but it was quite successful. We had fun at the concert.

I'm always keeping an eye out for the free events. ;-)

Neither my husband and I are big movie buffs.  When we do go to the theater, we do the first matinee in the morning.  We haven't been yet this year but we probably will in November when the new Hunger Games movie comes out (SHUT UP I LIKE IT).  My rule of thumb is to see movies that will look awesome on a big screen.  And no, you're not the only one who's sick of the comic book movies--and the endless reboots of said comic book movies.  Damn, how many Batman movies does the world need?

I live between two lovely parks, and the larger of the two does movie nights in the summer.  A couple of months ago it showed The Blues Brothers.  TONS of people showed up and we all had a great time.  You can't beat free fun!
Title: Re: Mustachian People Problems (just for fun)
Post by: Cherry Lane on August 23, 2014, 03:38:01 PM
She did also give me some new hankies last xmas, after noticing some of mine are pretty worn out.  They are monogrammed with the letter N (which is not an initial of mine).  "N?" I asked.  "N for Nose!" she ad libbed.  She'd bought them on clearance at a discount store.  Who cares what they look like if they do the job?

That sounds pretty Mustachian!  Maybe you're rubbing off on her.  :)

Nah, I come from a long line of frugal people.  I'm not rubbing off on anyone here.  Though maybe I could try to get her to use a hankie....
Title: Re: Mustachian People Problems (just for fun)
Post by: Latwell on August 23, 2014, 04:42:17 PM

I don't understand how people get excited over the "new" 23rd sequel of Spiderman (or other superhero movies). I think the genre is tired out and have no interest in seeing another superhero movie. Is it just me?

I am lucky to live in a fun/touristy area and over the tourist season (not summer) they have free open air movies on one or two weeknights. It's usually 6-12 month old movies and sometimes some classics as well. I'm always telling my friends about it but don't get many takers. It's a beautiful night out under the stars watching a free movie. What's not to love?

So now anytime anyone invites me to a movie (to pay for), I always think to myself that the same movie will probably be shown for free in 6 months so why would I want to pay for it? One time I was successfully able to divert a friend away from a pay-for movie by suggesting a free open air jazz concert on the same night. I don't think she noticed the clever diversion away from pay-for entertainment, but it was quite successful. We had fun at the concert.

I'm always keeping an eye out for the free events. ;-)

Neither my husband and I are big movie buffs.  When we do go to the theater, we do the first matinee in the morning.  We haven't been yet this year but we probably will in November when the new Hunger Games movie comes out (SHUT UP I LIKE IT).  My rule of thumb is to see movies that will look awesome on a big screen.  And no, you're not the only one who's sick of the comic book movies--and the endless reboots of said comic book movies.  Damn, how many Batman movies does the world need?

I live between two lovely parks, and the larger of the two does movie nights in the summer.  A couple of months ago it showed The Blues Brothers.  TONS of people showed up and we all had a great time.  You can't beat free fun!

"My rule of thumb is to see movies that will look awesome on a big screen."
I actually have two rules. You just stated my first rule. I actually refuse to see comedies in theaters. Action movies or movies with a lot of special effects are the only type I will see.

Rule #2: I only go if I have a gift card (my parents constantly give them to us for Christmas even though we never ask for them and then I use to rewards from my credit card).

My SO wishes we would go more often. But every time we go, I'm reminded why I hate theaters. I try and make sure we go after the movie has been out for multiple weeks so there are less people. The times we have gone earlier have made me want to rip my hair out. I much rather enjoy a movie from the comfort of my home with less distractions.
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on August 23, 2014, 07:41:36 PM
New problem:  I'm running out of plastic bags to collect all of my garden veggies in.  Need to find a more durable vegetable transportation device.
Title: Re: Mustachian People Problems (just for fun)
Post by: Michael792 on August 23, 2014, 10:42:09 PM
New problem:  I'm running out of plastic bags to collect all of my garden veggies in.  Need to find a more durable vegetable transportation device.

Try burlap or canvas.
Title: Re: Mustachian People Problems (just for fun)
Post by: Alabaster on August 24, 2014, 01:14:12 AM
I refuse to feed eggs to guests because it's really made for becoming a chicken.

Thank you. You made my night.
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on August 24, 2014, 02:25:25 AM
I haven't seen a movie on the big screen since Saving Private Ryan.  It was awesome.  I love movies and find the big screen an enhancement.   Maybe when I FIRE I'll do more movies at matinee time.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on August 24, 2014, 10:34:46 AM
I haven't seen a movie on the big screen since Saving Private Ryan.  It was awesome.  I love movies and find the big screen an enhancement.   Maybe when I FIRE I'll do more movies at matinee time.
I've always been partial to the sheet outside with the projector. Ooooh, how about a bike in outdoor theater?
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on August 24, 2014, 04:16:32 PM
Not many outdoor drive inns left.  Love the bike idea. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Roots&Wings on August 24, 2014, 05:32:11 PM
My car battery died once from lack of use. 

I have to drive enough so that doesn't happen!  Once a week seems to do the trick.  Or look into a battery charger.
Title: Re: Mustachian People Problems (just for fun)
Post by: C. K. on August 24, 2014, 06:15:38 PM
Spiderwebs on the car door.
I actually used pesticide for a few of the crevices where the creatures like to nestle on my car.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 25, 2014, 08:17:46 AM
Spiderwebs on the car door.
I actually used pesticide for a few of the crevices where the creatures like to nestle on my car.
I dont think you have to do this to the poor creatures.
We seem to have a ever-changing population of spiders in the side mirrors, so either they die fast or go away (or fly away when you drive) or get eaten by another spider fairly often. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Roots&Wings on August 25, 2014, 09:54:32 AM
We seem to have a ever-changing population of spiders in the side mirrors, so either they die fast or go away (or fly away when you drive) or get eaten by another spider fairly often.

Same here!  One spider hung around for almost a month in the side mirror.  It's kinda fascinating who will turn up :)
Title: Re: Mustachian People Problems (just for fun)
Post by: Threshkin on August 25, 2014, 09:55:56 AM
My car battery died once from lack of use. 

I have to drive enough so that doesn't happen!  Once a week seems to do the trick.  Or look into a battery charger.

I had this happen in March.  I had misplaced the keys so I didn't drive the car for about three months.
Title: Re: Mustachian People Problems (just for fun)
Post by: esrun94 on August 25, 2014, 10:13:08 AM
I can't take advantage of high interest checking accounts because I don't make enough purchases.

I used to have this problem, but then I started sending multiple $0.50 Amazon eGift cards to myself every month with my debit card.

Great idea!
Title: Re: Mustachian People Problems (just for fun)
Post by: C. K. on August 25, 2014, 01:54:21 PM
Spiderwebs on the car door.
I actually used pesticide for a few of the crevices where the creatures like to nestle on my car.
I dont think you have to do this to the poor creatures.
We seem to have a ever-changing population of spiders in the side mirrors, so either they die fast or go away (or fly away when you drive) or get eaten by another spider fairly often.

I considered not using pesticides as I'm becoming the kind of person who doesn't want to kill even an insect. However, I also considered the possibility of spiders crawling on me while I'm driving, panicking and killing myself and others in a car wreck. They'll probably die in the car wash anyway.

But thanks for bringing that up. I'd been debating it for weeks.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on August 25, 2014, 02:43:17 PM
We seem to have a ever-changing population of spiders in the side mirrors, so either they die fast or go away (or fly away when you drive) or get eaten by another spider fairly often.

Same here!  One spider hung around for almost a month in the side mirror.  It's kinda fascinating who will turn up :)
I think they hold out longer here, but maybe because I never drive fast ;) Last year we had the record: It seemed to be one spider holding out for most of spring and summer. Have seen her 3 or 4 times. One day I would drive, the net flying away, the next it would be back. Very productive little thing. I cleaned the mirror a dozen times and even more often just ignored it (the nets sometimes survived the "slow" in-town driving).

@C.K.
1) It is very unlikely a mirror spider will get into your car. If it stands, you have the windows closed. If you are driving and have them open for air, the spider would not come out I think (or just blown away). It must feel the heavy vibrations and think its storm, dont leave the home. (Well, the one I mentioned above came out once while driving outside town, but as I said, it was a really tough little one. Have seen such a thing only once, and it didnt leave the mirror inside.)
It should happen more that a spider cames from down of your car, where it is open, to the inside, and how often do you have that?
= no reason to go heavy on mirror spiders

2) If you are so fearful of spiders, do the mustachian think, look the fear into the eyes and punch it on the nose!
You can use a pro, or insource it and train yourself ;) If you see a big spider the next time, look at it. Feal the fear and also see that it does not jump on you to bite you. Wait until the fear goes down a bit. Take a step closer. Do you see the spider? I mean, do you really see it? Her long legs (yuck)? The body? Watch it closely. Watch your fear, see that nothign happens, watch the fear slowly go down.
And so on. After doing this a few times, after a few month, you are probably able to touch its legs.

I was fearful of spiders as a kid, now I can take them on a hand and release them into the wild. It is not that I like that, and frankly I do it more because I dont want a smashed spider then because I have such a big heart for little creatures, but I think for the spider it doesnt make a difference ;) For me, it does. Fear is a good warner, but a bad advisor and even worse ruler.
Title: Re: Mustachian People Problems (just for fun)
Post by: C. K. on August 25, 2014, 03:20:01 PM
LennStar, I don't have mirror spiders. The poster named "step-in-time" above accidentally wrote their thoughts under my quote marks.

My spider webs are between the door and the inside of the car. Also on the door. The rubber should keep them at bay, but who knows?

Thanks for the fear advice. I'm not afraid of spiders in general, I just don't want to deal with them all of a sudden while driving down the highway.

I need to wash my car more often.
Title: Re: Mustachian People Problems (just for fun)
Post by: Gerard on August 25, 2014, 05:46:36 PM
Got my 960-sq-ft house up for sale. When potential buyers ask me why I'm selling, I tell the truth -- "It's too big." They assume I have something to hide about the house, because that can't be the real reason.

Also, +1 on the not getting to complete surveys because I don't buy enough of the things on the list, or watch any of the shows.

Title: Re: Mustachian People Problems (just for fun)
Post by: Rezdent on August 25, 2014, 06:41:46 PM
New problem:  I'm running out of plastic bags to collect all of my garden veggies in.  Need to find a more durable vegetable transportation device.

Me too.  I just dont buy enough groceries in sacks anymore - so lately I've been asking the local grocer for those flats that sodas/beer come in.  Nice that they stack well and don't smash the veggies.
However the guy who works at the store is getting suspicious - I mean, how many flats does the crazy lady need?  What is she really up to?
Title: Re: Mustachian People Problems (just for fun)
Post by: Abe on August 25, 2014, 06:48:47 PM
I have to call companies to stop sending me credit card and bank account offers. Aren't they smart enough to realize they won't make interest off me? Apparently not.
Title: Re: Mustachian People Problems (just for fun)
Post by: Jane on August 26, 2014, 07:50:42 AM
Neither my husband and I are big movie buffs.  When we do go to the theater, we do the first matinee in the morning.  We haven't been yet this year but we probably will in November when the new Hunger Games movie comes out (SHUT UP I LIKE IT).  My rule of thumb is to see movies that will look awesome on a big screen.  And no, you're not the only one who's sick of the comic book movies--and the endless reboots of said comic book movies.  Damn, how many Batman movies does the world need?

I live between two lovely parks, and the larger of the two does movie nights in the summer.  A couple of months ago it showed The Blues Brothers.  TONS of people showed up and we all had a great time.  You can't beat free fun!

"My rule of thumb is to see movies that will look awesome on a big screen."
I actually have two rules. You just stated my first rule. I actually refuse to see comedies in theaters. Action movies or movies with a lot of special effects are the only type I will see.

Rule #2: I only go if I have a gift card (my parents constantly give them to us for Christmas even though we never ask for them and then I use to rewards from my credit card).

My SO wishes we would go more often. But every time we go, I'm reminded why I hate theaters. I try and make sure we go after the movie has been out for multiple weeks so there are less people. The times we have gone earlier have made me want to rip my hair out. I much rather enjoy a movie from the comfort of my home with less distractions.

We have a matinee movie date scheduled for the Hunger Games too :). Going to a movie is about a once a year event for us. My favorite way to see a movie is to grab an inexpensive breakfast out then see an early movie around 10 or 11 am. We also only go if we have gift cards, which somehow we keep accumulating through family or work. The problem for us is finding a movie that we even want to take the time to go to use these gift cards.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on August 26, 2014, 10:02:03 AM
Trying to figure out meals for the next three days (before we go on vacation) that will use up the three  free heads of lettuce that I scored yesterday.
Title: Re: Mustachian People Problems (just for fun)
Post by: kyanamerinas on August 26, 2014, 10:09:26 AM
Trying to figure out meals for the next three days (before we go on vacation) that will use up the three heads of lettuce that I scored yesterday.

not sure what kind of lettuce you have but we tried this recently and loved it:
http://www.deliciouseveryday.com/lettuce-spring-onion-cheese-tart/

(sounds odd, i appreciate but it is yummy!)
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on August 26, 2014, 09:40:59 PM
I haven't seen a movie on the big screen since Saving Private Ryan.  It was awesome.  I love movies and find the big screen an enhancement.   Maybe when I FIRE I'll do more movies at matinee time.

The best is - a big screen in the wonderful outdoors with a great soundsystem, being able to bring my food, ride my bike there, and FREE! I'm hooked now and feel it would be painful to pay for movies now.
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on August 26, 2014, 09:56:00 PM
New problem:  I'm running out of plastic bags to collect all of my garden veggies in.  Need to find a more durable vegetable transportation device.

Me too.  I just dont buy enough groceries in sacks anymore - so lately I've been asking the local grocer for those flats that sodas/beer come in.  Nice that they stack well and don't smash the veggies.
However the guy who works at the store is getting suspicious - I mean, how many flats does the crazy lady need?  What is she really up to?

Where are you storing the veggies?  I've been using flat boxes for stuff like squash and tomatoes, but prefer plastic bags to keep humidity in for things like carrots (they'll go into a root cellar situation when it's cool enough), green beans, okra etc. that I keep in the fridge.  I'm not out of plastic bags yet because DH keeps bringing them in with his junk food buys, but I've definitely stopped taking spares to recycle.
Title: Re: Mustachian People Problems (just for fun)
Post by: teen persuasion on August 27, 2014, 12:19:37 AM
We still have drive ins around here, in fact Wal-Mart killed the mall with the multi screen theater, so the drive ins or the historic theatre are the only big screens around < 25 miles away. 

Watching movies in a theater isn't as much fun as watching a library DVD at home.  Time to travel to the burbs, fake popcorn instead of our homemade, no comfy couch to lounge on, no discussions with the family as we go along... Actually, my biggest disappointment with movies in theaters is NO CAPTIONING.  I always keep captioning on at home, for that inevitable "wait, what did they say?  I didn't catch that line."  I'm perfectly happy waiting for movies to come out on DVD and borrowing them from the library.  Or watching Frozen again this summer in the Park, where all the kiddies sang along.  Well, except for 15yo DS4 - he was shushing 18 yo DD3, until all the others joined in!
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on August 28, 2014, 02:34:04 PM
A Mustachian problem that my boyfriend has: He's not allowed to participate in Casual Friday at his office because all his jeans are too beat up, and he has no interest in buying new ones.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on August 29, 2014, 08:50:59 AM
I wanted popcorn yesterday but had to eat the four free artichokes I had in the refrigerator so I could have the bottoms for our omelets this morning.
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on August 29, 2014, 09:51:33 AM
A Mustachian problem that my boyfriend has: He's not allowed to participate in Casual Friday at his office because all his jeans are too beat up, and he has no interest in buying new ones.

LOL, that's awesome.
Title: Re: Mustachian People Problems (just for fun)
Post by: seanc0x0 on August 29, 2014, 09:54:24 AM
I am annoyed my pay at work is monthly, not because of problems with running out of money like many of my coworkers, but because I only get the rush of putting more money in investments once a month. :(
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on August 30, 2014, 03:49:36 AM

Watching movies in a theater isn't as much fun as watching a library DVD at home.  Time to travel to the burbs, fake popcorn instead of our homemade, no comfy couch to lounge on, no discussions with the family as we go along...

Yes! Also you can pause the film at home if you need to use the loo or to go and get a drink.:)
Title: Re: Mustachian People Problems (just for fun)
Post by: madgeylou on August 30, 2014, 07:50:37 AM
This lack of empathy does not effect my friends, neighbors, coworkers, only me, so it is my people problem. ...
[paragraph reduction:] ...hiding... fend off... gets pretty isolating.  I find I can't be happy...

...causing a guardedness, a jadedness, a lack of joy and optimism in my day to day encounters.  I just put my head down, keep going to work, and keep planning for the future.  I have such a fantastic relationship with my husband, but a lack social connection to anyone else here.  Sometimes I really wish I were not such a misfit, but I would not choose to be what I see around me, not for anything.  One day, maybe I can conquer the judgement.

Sorry this is not 'fun'.
Mustachian people problems: The red pill is just not 'fun'. You can't divorce only the parts of a society that don't work for you.

Does this judgement need to be conquered, exactly? This is what it looks like to show awareness, the results of contemplation. This is not callous prejudice, this is frustration with a self-reinforcing culture cycling waste and want and misery. From the language in this post, it's often not that we don't have empathy - we needn't care about the issue after our own progression if we don't care about the people it affects on some level; it's just that they're too far gone to bond with.

I get this. When we have a society profiting on human discontent we are all injured by it, even when we've opted out. Rebel against a dominant social convention which harms people and you not only deal with well-intentioned arguments for drinking poison but the essential invisibility of anyone else who doesn't want to because we all have to duck our heads to avoid a scene, as the status quo defends itself. The people around us, some of whom we might care for quite a bit, are choosing a grayer, shabbier, more dismal reality on the daily; as with any challenge to the authority of convention, it is completely natural to want to retreat into a safe sane space.

There are seeds of power in the tendency to co-humanism at the root of this. How to deal with compassion in a broken world? In the Western tradition you fight for change, hopefully with a dose of awareness of your Circles of Control. In the Eastern tradition you learn to be impartial - you sigh not so, but let them go, and be you blithe and bonny... like this thread. There are times it's better to laugh than cry, and especially in a context when you can laugh together.

My mustachian problem is that there are so many different levels of progress on this forum it's hard to find those in my own same boat right now; a form of hedonic adaptation, that it used to be a relief just to have the subculture and now I want a sub-sub-subchapter devoted to "hair fires only recently extinguished" experiences.

This is an amazing post. Thank you for writing it. I've noticed it's particularly hard to sigh not so and let them go when it's someone you love, and you want them to love you, but the clashes keep getting in the way (ie family) ... But there's got to be a way, right?

Anyway I'm in the same boat as you, too, FWIW :)
Title: Re: Mustachian People Problems (just for fun)
Post by: monkeymind on August 30, 2014, 02:05:45 PM
I set up scheduled automatic purchases in a Vanguard index fund about a year ago because I had just a little bit of extra cash at the end of every month. It was a classic set it and forget it "free money" scenario. 

Recently, I logged into the account because I've been getting a lot of transaction notices for this monthly purchase.  Figuring that I must have actually set up bi-weekly transactions, I was patting myself on the back as I logged into the account for being so smart and saving twice as much as I thought.

That's when I learned that I had, in fact, set up weekly purchases and I've been saving more than 4 times as much "spare change" as I thought I was, and I didn't even notice.

Oops.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on August 30, 2014, 03:49:25 PM
I set up scheduled automatic purchases in a Vanguard index fund about a year ago because I had just a little bit of extra cash at the end of every month. It was a classic set it and forget it "free money" scenario. 

Recently, I logged into the account because I've been getting a lot of transaction notices for this monthly purchase.  Figuring that I must have actually set up bi-weekly transactions, I was patting myself on the back as I logged into the account for being so smart and saving twice as much as I thought.

That's when I learned that I had, in fact, set up weekly purchases and I've been saving more than 4 times as much "spare change" as I thought I was, and I didn't even notice.

Oops.
Hahahaha that's awesome. *High five*

Out of curiosity, did you set up automatic purchases from your checking? Or did you direct deposit to Vanguard?

One of my favorite features Vanguard provides is direct deposit of paychecks. My employer allows me to split my paycheck across up to three bank accounts. I put a fixed small amount of spending money into my checking, and then deposit the rest (if available, and in a normal pay cycle I have plenty left over) into Vanguard (my employer sees this as a checking account with Wells Fargo). This helps me sleep well at night, because I have a fear that an automatic purchase from my checking might overdraft my account (I only keep like $450 in there, and perhaps I made a big purchase and just haven't replenished the checking account yet). Also, I am paid hourly, so I don't want to have to deal with having an automatic draft draw too much because I didn't work the typical hours in some week. By having Vanguard take the money from the source, there's no risk of an overdraft on my checking account.

Lengthy explanation, but I like to rave about the direct deposit service whenever I can =)
Title: Re: Mustachian People Problems (just for fun)
Post by: 1tolivesimply on August 30, 2014, 10:07:56 PM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

This has also happened to me, they give me a weird look when I ask them if, by any chance, they have received any economy ones so I can switch.
Title: Re: Mustachian People Problems (just for fun)
Post by: monkeymind on August 31, 2014, 12:06:04 PM
Out of curiosity, did you set up automatic purchases from your checking? Or did you direct deposit to Vanguard?
Lengthy explanation, but I like to rave about the direct deposit service whenever I can =)

Not an option here but, coincidentally, I'll be starting a new job at the end of the month (with a significant pay increase) and I will definitely look into the direct deposit option since I will have a great deal more "spare change" to save.

Thanks for the suggestion, johnny847!
Title: Re: Mustachian People Problems (just for fun)
Post by: eyesonthehorizon on August 31, 2014, 08:51:35 PM
... I've noticed it's particularly hard to sigh not so and let them go when it's someone you love, and you want them to love you, but the clashes keep getting in the way (ie family) ... But there's got to be a way, right? ...
D'aw. Thanks. I went tearing through your blog and site after this and I'm right on board with what you're saying. But - yeah, it can be crazymaking, especially family - I definitely am watching my parents and other relations suffer due to an unwillingness to accept even the possibility of positive results of effort because they didn't succeed as wildly as their WWII generation parents, and I can't be honest about my own incredible progress or they'll 1. chalk it derisively up to luck and 2. expect me to share my 'good fortune' with them, all the while spending 4x my whole grocery budget just on luxury snack food for two people. Nothing I can do - I've given the first third of my life in trying to save them, and it's time to learn not to let it eat me from the inside anymore that they're imposing suffering on themselves in diverse ways. Eastern approach. Impartial compassion, from a bit of a distance.

I'm working on my sibling, though. Not so grown or set in their ways - still too young to have gotten over the rush of HAVING money to spend, though. With this one I'm trying to lead by quiet example and I'll make inquiries once in a while; we talked over it once and I was able to impress the reality of the possibility without creating urgency. I led them to water, and they will decide whether to drink. This was more similar to how I deal with a few more-trusted friends - I suspect very often that these people have the capacity in them and have just never been shown a path exists. The trick is not being disappointed when they don't walk down it. Someday when I hit FI and optionally RE I might take the Western approach in creating an organization dedicated to campaigning for more visible change.
Title: Re: Mustachian People Problems (just for fun)
Post by: happy on September 01, 2014, 03:26:39 AM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

This has also happened to me, they give me a weird look when I ask them if, by any chance, they have received any economy ones so I can switch.

Hehe happened to me too. I booked the cheapest with the most fuel economy and got  a "free upgrade". Not knowing much about cars I didn't realise the engine was a lot larger - thought it was zippy for a "sewing machine on wheels", but took a few tanks of petrol for me to pay attention and to realise how much petrol I was using.
Title: Re: Mustachian People Problems (just for fun)
Post by: Metta on September 01, 2014, 11:43:06 AM
I was talking to a neighbor on our doorstep, when his three year old son sneezed violently and the dad asked me for a tissue. I never buy Kleenex - only have old fashioned handkerchiefs , so I handed him a wad of toilet paper. I felt slightly embarrassed when the dad noticed what it was, not sure why.

We have similar issues with paper towels and paper napkins. We haven't used them for decades and yet when some people come over, they are actually upset when we use cloth napkins for dinner or cloth towels for clean ups. I really, really don't understand this. It's not like I'm handing them a dirty napkin or dirty towel. They are all freshly washed. One person told me I had made him uncomfortable because cloth means it's a fancy occasion instead of a casual game. Some people attach too much meaning to things.
Title: Re: Mustachian People Problems (just for fun)
Post by: eyesonthehorizon on September 01, 2014, 12:18:05 PM
... One person told me I had made him uncomfortable because cloth means it's a fancy occasion instead of a casual game. Some people attach too much meaning to things.
[Emphasis mine.]
This is just the problem, literally - too much meaning attached to physical things. A lot of people have the same hangups over eating on china, and I recently found out I do too - the only plates I have are half of my mother's ancient set and while they're not particularly fine, they are porcelain, and I've broken one bowl. It took me a long time to realize why I was so upset about it, and that agonizing wasn't productive. I revisited thoughts of buying some corelle or just cheap plastic to avert future disaster, and realized, what good does that do, to pack up the china in a cupboard another forty years and never use it, occupying space without utility? Why else does it exist, and what do I think am I saving it for?
Title: Re: Mustachian People Problems (just for fun)
Post by: Metta on September 01, 2014, 12:47:27 PM
This is just the problem, literally - too much meaning attached to physical things. A lot of people have the same hangups over eating on china, and I recently found out I do too - the only plates I have are half of my mother's ancient set and while they're not particularly fine, they are porcelain, and I've broken one bowl. It took me a long time to realize why I was so upset about it, and that agonizing wasn't productive. I revisited thoughts of buying some corelle or just cheap plastic to avert future disaster, and realized, what good does that do, to pack up the china in a cupboard another forty years and never use it, occupying space without utility? Why else does it exist, and what do I think am I saving it for?

We recently realized that as well while we were trying to reduce the amount of stuff we had. We have a beautiful set of china and at the time we also had a set of stoneware and a set of Corelle (which we used for fancy occasions since they were fancier than our stoneware). We asked ourselves, if this china is not good enough for our Friday night dinners, then who is it good enough for? We haven't used it for our friends either. Do we honestly think that the President of the Queen of England is going to saunter into our house and we will have to set up china worthy of him/her? And why aren't we as worthy?

Result: Got rid of the ugly stoneware, have started using the Corelle for everyday and the china for fancy meals and Friday night dinners. We feel so decadent and so much richer! If it breaks, it breaks. I certainly don't want to be one of those people who is discovered to be hoarding never-used china after her death. How sad would that be?
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on September 01, 2014, 05:30:18 PM
I agree - I have nice Noritake for every day and my mother's really good china (Royal Crown Derby) for special occasions.  I am not sure we do our children any good when we use "everyday" stoneware - my DD freaked the first time I served her dinner on the Noritake when she was visiting. My DD is not good enough for china when as an adult she visits?  No way, she definitely is!  And often the "good stuff" is the good stuff for a reason, good china is really hard to break.

Napkins - when I was a kid, just after the end of the Cretaceous, cloth napkins were standard - the linen napkins were what got hauled out for special dinners, because they are nicer but harder to iron.  Paper napkins were for picnics and barbecues.  However, like towels, they were not a one use item - you used your napkin until laundry day or it got really dirty.

Sometimes I think some of our modern conveniences are not so convenient, and they certainly do not add to the small pleasures of life.  Which is nicer?  Dinner on a china setting with a cloth napkin, or on something clunky with a paper napkin.  Once kids are past the age where everything spills, it is nice to pretend we are all civilized.

Oh, re the above, you will pry my clothes washer and dryer (for when I need it) and dishwasher, and hot water tank, and modern stove, oven, and microwave, out of my cold dead hands.  Some things are definite conveniences   ;-)

We asked ourselves, if this china is not good enough for our Friday night dinners, then who is it good enough for?
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on September 01, 2014, 07:49:00 PM
All true about the china, and I use mine every day. Nevertheless I cried for half an hour when I broke a plate recently, not because of the china itself but because my late grandmother bought the set for me years ago. Solution? I'm going to start replacing pieces and mixing them with the original set so that I'll never know if a piece is one she gave me or no, but the set will always be what she knew I liked and wanted me to use.
Title: Re: Mustachian People Problems (just for fun)
Post by: Gerard on September 02, 2014, 01:55:00 PM
I think mixed sets of china are more fun anyway, and often prettier. If everything's matchy-matchy, it's like having a library full of books with matching covers... you know they're like that because whoever bought them was playing it safe.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 02, 2014, 05:09:37 PM
I think mixed sets of china are more fun anyway, and often prettier. If everything's matchy-matchy, it's like having a library full of books with matching covers... you know they're like that because whoever bought them was playing it safe.

What is this "china" that you all speak of? :-P
Title: Re: Mustachian People Problems (just for fun)
Post by: PMG on September 02, 2014, 06:51:35 PM
I use my great grandma's china every day. 

mustachian problem: Having enough.

The grocery store was giving away reusable bags, and the clerks didn't understand why I didn't want any. "But you always bring your own bags!  This one is reusable, too!"  "Yes, but I already have enough."
Title: Re: Mustachian People Problems (just for fun)
Post by: Suit on September 02, 2014, 10:02:23 PM
Your truck is so old that the odometer only occasionally works and you just recently noticed that it wasn't working all the time and have no idea when it stopped working all the time.
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 02, 2014, 11:33:35 PM
I have quite a few different bank accounts for my cash savings as it's difficult to get a good interest rate and it means I have to keep a list of the different passwords to keep track. I was going to tell someone in my family how annoying it was to keep track of all the different accounts where we keep our money but thought that is actually not a bad problem to have.:0
Title: Re: Mustachian People Problems (just for fun)
Post by: Bateaux on September 03, 2014, 03:24:16 AM
Crap.  I just looked at my 401k statement.   I got a little too aggressive with my investing.   It will be maxed by the end of September.   Now I have to figure out what to do with an extra $2,000 a month October, November and December.
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on September 03, 2014, 08:10:55 AM
I have too much literal cash lying around.  I've been too lazy to deposit that two and a half grand sitting in my bedroom.  I keep telling myself I'll go to the bank, but I don't need-need the money right now, so it gets put on the back burner until I have enough to make the trip "worthwhile".  (Source of cash: roommates reimburse me their share of household expenses and I sit on it)
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 03, 2014, 12:12:38 PM
Crap.  I just looked at my 401k statement.   I got a little too aggressive with my investing.   It will be maxed by the end of September.   Now I have to figure out what to do with an extra $2,000 a month October, November and December.

Statistically speaking, front loading your 401k is a good thing. If you have a windfall, lump sum beats dollar cost averaging about 2/3 of the time. More simply put, money invested today is better than money invested tomorrow, because it the long run, the stock market goes up. So by that logic, front loading your 401k is a good thing.
In practice, we're talking about a couple months difference, so it's probably not going to make a noticeable difference (although in a year like 2013, it would probably be noticeable). Also, there are two practical considerations: 1) If your employer only matches a certain amount per paycheck, then you would definitely want to contribute throughout the whole year to maximize the match. 2). If you end up switching jobs to an employer that has a better 401k match, you can't "retract" your previous contributions to your 401k to get more contributions with a better match at your new employer (at least, I'm pretty sure you can't do this. Hopefully somebody can prove me wrong =P).

But yea, I completely understand your Mustachian problem =)
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 03, 2014, 12:15:54 PM
I have too much literal cash lying around.  I've been too lazy to deposit that two and a half grand sitting in my bedroom.  I keep telling myself I'll go to the bank, but I don't need-need the money right now, so it gets put on the back burner until I have enough to make the trip "worthwhile".  (Source of cash: roommates reimburse me their share of household expenses and I sit on it)

You could just ask them to send you their share through Amazon payments. Free to use, and they can use a credit card to send you money, which is great for them because they can get the credit card rewards on it. Limit of sending $1000/month per person. Or, you could use something like Venmo, which is free to use with debit cards and bank accounts (but using a credit card with them requires a fee of I think 3%) to send money between friends. They also have a limit on transaction amounts per month, I forget what it is.
Though if they insist on giving you their share of expenses in cash, this doesn't help at all.
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on September 03, 2014, 12:58:42 PM
Hmm, I'll look into those options.  They both mostly get paid in cash (tips) but they might be open to something like that.  Would make things simpler for me.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on September 03, 2014, 02:05:34 PM
I have too much literal cash lying around.  I've been too lazy to deposit that two and a half grand sitting in my bedroom.  I keep telling myself I'll go to the bank, but I don't need-need the money right now, so it gets put on the back burner until I have enough to make the trip "worthwhile".  (Source of cash: roommates reimburse me their share of household expenses and I sit on it)

You could just ask them to send you their share through Amazon payments. Free to use, and they can use a credit card to send you money, which is great for them because they can get the credit card rewards on it. Limit of sending $1000/month per person. Or, you could use something like Venmo, which is free to use with debit cards and bank accounts (but using a credit card with them requires a fee of I think 3%) to send money between friends. They also have a limit on transaction amounts per month, I forget what it is.
Though if they insist on giving you their share of expenses in cash, this doesn't help at all.
If you want to do this full, set up a webpage with an Amazon link to the amazon gift certificates (or whatever it is called) and let them buy this to give you the code.
In germany thats 6% "advertisement expenses return" for the webpage. Of course you need to buy somthing with the gift codes.
Title: Re: Mustachian People Problems (just for fun)
Post by: TurtleMarkets on September 03, 2014, 02:14:55 PM
Got my 960-sq-ft house up for sale. When potential buyers ask me why I'm selling, I tell the truth -- "It's too big." They assume I have something to hide about the house, because that can't be the real reason.

Also, +1 on the not getting to complete surveys because I don't buy enough of the things on the list, or watch any of the shows.

Serious question, does going lower than 960sqft really make much of a difference?  I can see going from 3000 to 1000. But under 1000 seems like your just splitting hairs.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on September 03, 2014, 02:28:49 PM
Got my 960-sq-ft house up for sale. When potential buyers ask me why I'm selling, I tell the truth -- "It's too big." They assume I have something to hide about the house, because that can't be the real reason.

Also, +1 on the not getting to complete surveys because I don't buy enough of the things on the list, or watch any of the shows.

Serious question, does going lower than 960sqft really make much of a difference?  I can see going from 3000 to 1000. But under 1000 seems like your just splitting hairs.

I think it can, especially moving from a larger, poorly-laid-out place to a small one with a good layout. My boyfriend and I downsized from a 550 square foot place to a 400, and love it. Takes me less than 5 minutes to vacuum. The day we moved into our old apartment I felt like it was too big for us. This is much better.
Title: Re: Mustachian People Problems (just for fun)
Post by: Wolf_Stache on September 03, 2014, 02:30:21 PM
Got my 960-sq-ft house up for sale. When potential buyers ask me why I'm selling, I tell the truth -- "It's too big." They assume I have something to hide about the house, because that can't be the real reason.

Also, +1 on the not getting to complete surveys because I don't buy enough of the things on the list, or watch any of the shows.

Serious question, does going lower than 960sqft really make much of a difference?  I can see going from 3000 to 1000. But under 1000 seems like your just splitting hairs.

turtle, for me it does. I had a 790 sqft condo, and it was too big for me. Currently in a ~300 sqft apartment, and it is a little too small. I think the perfect size for me would be between 500 & 600 sqft.
Title: Re: Mustachian People Problems (just for fun)
Post by: Gerard on September 03, 2014, 02:39:31 PM
What is this "china" that you all speak of? :-P

:-)

The stuff you get almost-free at yard sales!

Title: Re: Mustachian People Problems (just for fun)
Post by: TurtleMarkets on September 03, 2014, 05:19:51 PM
You guys with these under 500 sqft places blow my mind. Everyone has their things. I have no issue living in a small place, but I do not seek it out or have a goal to live in a place that small. I have a almost 300sqft room I dont even use or have furnished :)
If it works for you and you like it, I am no one to judge.
Title: Re: Mustachian People Problems (just for fun)
Post by: OSUBearCub on September 03, 2014, 06:53:13 PM
You guys with these under 500 sqft places blow my mind. Everyone has their things. I have no issue living in a small place, but I do not seek it out or have a goal to live in a place that small. I have a almost 300sqft room I dont even use or have furnished :)
If it works for you and you like it, I am no one to judge.

I've always been impressed with well-appointed, "everything has a place" spaces like boats.  When I discovered the Little House movement I started to seriously evaluate my need for a one or two bedroom apartment.  I love living in my 400 square foot studio (which is actually a little too big.)  With the exception of having to go down the hall to whiz, I'm legit jealous of this guy: https://www.youtube.com/watch?v=Q4FoAr8i26g
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 04, 2014, 02:53:41 AM
I find it funny when people on here talk about downsizing to a smaller place like under 1000 square foot as my house is under 650.:)
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on September 04, 2014, 06:58:10 AM
I find it funny when people on here talk about downsizing to a smaller place like under 1000 square foot as my house is under 650.:)

Me too.  DW and I live in a 950 sq foot house (no basement) and that includes an "office" that hardly gets used and a formal dining room that only get's used as a room for my 2 large fish tanks.  It feels way bigger than we need.  The office used to be a rented out to a friend of mine.  So there was 3 adults and 3 dogs all living in our sub 1000 house with no problems. 

I think I could easily move in to sub 600 sq foot place without getting rid of anything that I care about.  I might have to downsize to one smaller fish tank.

Speaking of mustachian problems... 

We're shopping for a new place and we're looking for a place with a little bigger lot but every place with a bigger lot also has a bigger house.  I have no idea what we would do with a 2000 sq foot house with a basement.  Maybe get a couple of roommates again. 
Title: Re: Mustachian People Problems (just for fun)
Post by: TurtleMarkets on September 04, 2014, 08:04:37 AM
People look at me like I'm crazy when I say I want to downsize even when I explain that we have over 2500sqft for 2 people and a dog. I think if it was laid out well we would do well in a <1000sqft house even though DH has some space consuming hobbies

That is a reasonable downsize. Going under 1000 seems like counter productive to me. I lived in a place around 600sqft and 1100 and the energy consumption was very close.

Maybe because I was forced/poverty to live in a small place with nothing there is no longer anything romantic or good about it. Maybe if it was a small place in the woods. Then the woods are like your home and the house is only to protect you from the elements.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 04, 2014, 08:42:07 AM
I lived in a 700 sq ft house with my parents, 2 sisters, 2 dogs, 3 cats, and various other small animals (fish tank, birds, hamsters, etc).  We had 1 bathroom.  It was terrible.  Everyone was constantly fighting over the bathroom.  The family as a whole could have had much less stuff leading to less clutter, but it was still small for a family.  There was also no good place to hang out away from everyone else.  I love my family but also I want to be able to breath.

I don't think I can or will ever go back to any living arrangement with only a single bathroom.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 04, 2014, 08:53:01 AM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 04, 2014, 10:01:05 AM
I would like two bathrooms too. I am also thinking now about moving (when we retire) to a flat/apartment instead of a house as I like all the rooms on one level.

I'm the same way with hating clutter. I wonder if other people on here have OCD too?
Title: Re: Mustachian People Problems (just for fun)
Post by: Kio on September 04, 2014, 10:11:32 AM
Discover keeps re-sending me a new physical credit card for my existing account.  "We noticed you haven't made a purchase in awhile, and thought maybe you lost your card!"  Ugh.

When they send out a new card, they deactivate the old one, so then I've got to call and reactivate the new one.  I keep forgetting to activate the new one and now I have a pile of these new cards sitting in my drawer.  Haha!
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 04, 2014, 11:38:59 AM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.
Didn't say it wasn't. Just something I rate as important. Also, peeing outside in city limits is against the law.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 04, 2014, 11:53:32 AM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.
Didn't say it wasn't. Just something I rate as important. Also, peeing outside in city limits is against the law.
Calling something a "must" didn't make it sound like you thought it was a luxury.

You don't have to pee outside if you have one bathroom.  I'm not saying everyone should move into a van down by the river.  This thread has become ridiculous when people start referring to second bathrooms as "musts."  I'm waiting for the next person to call a 3 car garage a basic necessity.
Yeah, I thought I added "for me" to that sentence, which is what I meant. I mean, that's kind of what we are all about here, is determining the value of things instead of doing things mindlessly. When I move, that's something I'm going to keep in mind. You don't have to though, nor do you have to live with my SO. :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 04, 2014, 11:57:43 AM
I want a second toilet as we live with 8 animals, I don't mind if other people on here don't want one.:)
Title: Re: Mustachian People Problems (just for fun)
Post by: firelight on September 04, 2014, 12:00:37 PM
Second bathroom starts as a luxury that fast becomes a need as you increase the number of people living in the same house. I'd take a small house with two bathrooms any day over a large one with just one for four or more people.
Title: Re: Mustachian People Problems (just for fun)
Post by: TurtleMarkets on September 04, 2014, 12:07:11 PM
Im under the believe that a second bathroom is a very cheap way to improve quality of life. The price difference between homes with 1 and 2 bathrooms where I live is minimal. If i was single or with one guy roomate i wouldnt even care. Living with a girl or more than 1 person 1 bathroom can be frustrating. But, I did grow up with 4 brothers and 3 dogs in a 1000sqft house, so I have years of irritation I am willing to pay to avoid.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 04, 2014, 12:22:55 PM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.

I disagree.  A second bathroom is an absolute necessity.  I placed it high on my priority list when I was looking at a house.  If it didn't have 2+ baths, or the space and layout to add a second bathroom then I didn't even consider it.  It will be that way for all future house purchases also. 

Even if it was just me in the house I would insist on 2 bathrooms.  What am I gonna do if I ever have guests, or company, or family over and they are using the bathroom and I have to go?  Maybe I just have a lot of stomache/bathroom issues, and a lot of bad memories of needing to use the bathroom when I couldn't.  We had to share the bathroom, ie poop when someone else was showering and vice versa.  Like a bunch of fucking animals.  No thank you.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on September 04, 2014, 12:53:06 PM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.

I disagree.  A second bathroom is an absolute necessity.  I placed it high on my priority list when I was looking at a house.  If it didn't have 2+ baths, or the space and layout to add a second bathroom then I didn't even consider it.  It will be that way for all future house purchases also. 

Even if it was just me in the house I would insist on 2 bathrooms.  What am I gonna do if I ever have guests, or company, or family over and they are using the bathroom and I have to go?  Maybe I just have a lot of stomache/bathroom issues, and a lot of bad memories of needing to use the bathroom when I couldn't.  We had to share the bathroom, ie poop when someone else was showering and vice versa.  Like a bunch of fucking animals.  No thank you.

I don't know if you have some sort of medical condition, but is it really a big deal to wait a minute or two for someone else to finish?  As long as people are respectful and try to be quick, it shouldn't be an issue. When I'm visiting someone and using their shower, unless I'm the only one awake I always ask if anyone needs to use the bathroom before I shower - I always just assumed everyone does this.

Having a vanity or mirror somewhere outside of the bathroom for people to fix their hair at or whatever can also help.
Title: Re: Mustachian People Problems (just for fun)
Post by: CheapskateWife on September 04, 2014, 01:18:57 PM
Wondering if I should invest our cash horde or pay off the 1.5% APR student loan in full 10 years early....Mustachian people problems indeed!
Title: Re: Mustachian People Problems (just for fun)
Post by: Eric on September 04, 2014, 01:37:38 PM
We had to share the bathroom, ie poop when someone else was showering and vice versa.

Is this a big deal?  That's called "quality time" in my household. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 04, 2014, 01:49:48 PM
I want a second toilet as we live with 8 animals, I don't mind if other people on here don't want one.:)
Do your animals use the toilet?

I actually would LOVE to have a second bathroom.  I agree that it would be awesome.  My issue is referring to it as a necessity.  I have a lot of luxuries built into my lifestyle, so I'm not going to fault someone for having a second bathroom.  It's important that we realize how privileged we are to have the second bathroom option!   This is mustachian problems!  Not a thread on a HGTV forum!

Yes, I chuck their spilled crap, pee or vomit down there at times!:0
Title: Re: Mustachian People Problems (just for fun)
Post by: Middlesbrough on September 04, 2014, 01:57:38 PM
We had to share the bathroom, ie poop when someone else was showering and vice versa.

Is this a big deal?  That's called "quality time" in my household.
Same thing here when I was younger.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 04, 2014, 02:01:29 PM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.

I disagree.  A second bathroom is an absolute necessity.  I placed it high on my priority list when I was looking at a house.  If it didn't have 2+ baths, or the space and layout to add a second bathroom then I didn't even consider it.  It will be that way for all future house purchases also. 

Even if it was just me in the house I would insist on 2 bathrooms.  What am I gonna do if I ever have guests, or company, or family over and they are using the bathroom and I have to go?  Maybe I just have a lot of stomache/bathroom issues, and a lot of bad memories of needing to use the bathroom when I couldn't.  We had to share the bathroom, ie poop when someone else was showering and vice versa.  Like a bunch of fucking animals.  No thank you.

I find it hard to claim that having 2 bathrooms is a necessity. The only things that I really consider to be necessities are food, clothing, and shelter, where shelter means a place where you are reasonably safe and have a roof over your head.
You do not NEED to have a second bathroom in your house. It is certainly nice to have a second bathroom in the situations you described. It's perfectly okay to say that you want to have a house with 2 bathrooms, or that you will only buy houses with at least two bathrooms in the future. But it's not true to say that people have to live in places with 2 bathrooms, because it is not a basic requirement, and people on this forum have told you how they grew up without them.
Title: Re: Mustachian People Problems (just for fun)
Post by: pachnik on September 04, 2014, 03:30:10 PM

I was talking to a neighbor on our doorstep, when his three year old son sneezed violently and the dad asked me for a tissue. I never buy Kleenex - only have old fashioned handkerchiefs , so I handed him a wad of toilet paper. I felt slightly embarrassed when the dad noticed what it was, not sure why.
+1
Hey, I used to think I was the only person in this country using handkerchiefs... but there are 2 of us! :) I always get the "what the hell is that?!?" when I pull one out in public.

+1 I am a Cdn. user of handkerchiefs.  I started using them rather than Kleenex a few decades ago when I developed some allergies.  My mom gave me a bunch of my grandma's handkerchiefs and said using these will easier on my nose.  She told me that the wood fibre in the Kleenex would just cause more irritation.  So been using handkerchiefs ever since even though the allergies left. 

My mom has a stockpile of handkerchiefs from the 'old country' and we've been in Canada for 50+ years.  I guess my MMM people problem is that it is next to impossible find new women's handkerchiefs these days.  Sometimes I buy them at flea markets where older people are downsizing.
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on September 04, 2014, 04:59:38 PM
It's a question of priorities re # bathrooms.  Is a second bathroom a necessity?  No - but for a lot of households the second bathroom is more important than a lot of other amenities.  My other "necessity" is a garage for the car - I have lived with and without a garage, and in the middle of a Canadian winter the garage is better.  No snow/ice to clean off the car - and I am talking easily 20 minutes worth of cleaning here.  There are accidents every winter caused by snow/ice coming off a car that was not properly cleaned.  Plus thunderstorms and hail - Ottawa had a big storm a few summers ago, and the hail damage was severe.    My car is not worth a huge amount, but it is worth enough to give it some protection.  Of course if I didn't have a car - but I am in the middle of nowhere, the cars go 70K on my quiet road and 80-80 on the nearest major road, so the bicycle is for fun.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 04, 2014, 05:11:23 PM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.

I disagree.  A second bathroom is an absolute necessity.  I placed it high on my priority list when I was looking at a house.  If it didn't have 2+ baths, or the space and layout to add a second bathroom then I didn't even consider it.  It will be that way for all future house purchases also. 

Even if it was just me in the house I would insist on 2 bathrooms.  What am I gonna do if I ever have guests, or company, or family over and they are using the bathroom and I have to go?  Maybe I just have a lot of stomache/bathroom issues, and a lot of bad memories of needing to use the bathroom when I couldn't.  We had to share the bathroom, ie poop when someone else was showering and vice versa.  Like a bunch of fucking animals.  No thank you.

I find it hard to claim that having 2 bathrooms is a necessity. The only things that I really consider to be necessities are food, clothing, and shelter, where shelter means a place where you are reasonably safe and have a roof over your head.
You do not NEED to have a second bathroom in your house. It is certainly nice to have a second bathroom in the situations you described. It's perfectly okay to say that you want to have a house with 2 bathrooms, or that you will only buy houses with at least two bathrooms in the future. But it's not true to say that people have to live in places with 2 bathrooms, because it is not a basic requirement, and people on this forum have told you how they grew up without them.

Removed tiredangry post since it did nothing to add value

Apologies all.
Title: Re: Mustachian People Problems (just for fun)
Post by: Beric01 on September 04, 2014, 05:36:24 PM
I'm a bit annoyed that you can't rent places smaller than 250 square feet in my city (my current apartment). I'm considering renting a room instead, but it's really not much cheaper - same with roommates.

Why do apartments have to be so large!

Biting my tongue to stop from asking the woman ahead of me in the checkout line at Whole Foods why she was shopping there.

Her bill was $58.+,  she paid with a few paper bills and some rolls of coins.  However, she had to return 2 or 3 items because she didn't have enough money. 

BTW, I was there because I read an article that said that WF had organic milk $2.50 cheaper per gallon than Trader Joe's.  Not true, it is the same price.

Jan

You might want look into milk?  If you like it that is fine, but it really is made for calf consumption and even the organic stuff is homogenized and pasteurized.   My wife likes it even though she drinks skim milk.  I refuse to feed it to guests or children over 2.

I refuse to feed eggs to guests because it's really made for becoming a chicken.

Hah! You're hilarious. :P
Title: Re: Mustachian People Problems (just for fun)
Post by: Rezdent on September 04, 2014, 05:43:57 PM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.

I disagree.  A second bathroom is an absolute necessity.  I placed it high on my priority list when I was looking at a house.  If it didn't have 2+ baths, or the space and layout to add a second bathroom then I didn't even consider it.  It will be that way for all future house purchases also. 

Even if it was just me in the house I would insist on 2 bathrooms.  What am I gonna do if I ever have guests, or company, or family over and they are using the bathroom and I have to go?  Maybe I just have a lot of stomache/bathroom issues, and a lot of bad memories of needing to use the bathroom when I couldn't.  We had to share the bathroom, ie poop when someone else was showering and vice versa.  Like a bunch of fucking animals.  No thank you.

I find it hard to claim that having 2 bathrooms is a necessity. The only things that I really consider to be necessities are food, clothing, and shelter, where shelter means a place where you are reasonably safe and have a roof over your head.
You do not NEED to have a second bathroom in your house. It is certainly nice to have a second bathroom in the situations you described. It's perfectly okay to say that you want to have a house with 2 bathrooms, or that you will only buy houses with at least two bathrooms in the future. But it's not true to say that people have to live in places with 2 bathrooms, because it is not a basic requirement, and people on this forum have told you how they grew up without them.
^This!
Having 1 bathroom is amazingly wonderful and I consider it a very nice luxury. Even wanting a second bathroom could only be a first world dream.
To put this in perspective, in 2013:

"783 million people do not have access to clean water and almost 2.5 billion do not have access to adequate sanitation."
source: http://www.unwater.org/water-cooperation-2013/water-cooperation/facts-and-figures/en/

Full disclosure: I live with 2 bathrooms.  I try to remind myself of 2 things everyday.   One, my life is wonderful with all the luxury.
Two, my great grandfather thought the world was going to hell because good decent people were actually pooping INSIDE THEIR HOUSES.  Even when he got running water (in the 70s I think?) he installed the toilet off the back porch.  The idea of having bathrooms inside the house grossed him out and was not an improvement.

Not saying that 2 bathrooms isn't really cool - just saying they aren't a necessity.


Title: Re: Mustachian People Problems (just for fun)
Post by: Roots&Wings on September 04, 2014, 05:49:31 PM
Why are there only account alerts for low balances, and not high balances?  I wish there was a way to set an alert for my Vanguard fund balances, so that once I hit the minimum for Admiral share status, I can request the conversion asap!
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 04, 2014, 05:52:19 PM




I don't think I can or will ever go back to any living arrangement with only a single bathroom.

That's my thing. I'm finding myself more and more focused on the floor plan than the square footage, but two bathrooms is a must.

What?!  A second bathroom is a luxury.  To think of it as anything else is ridiculous.

I disagree.  A second bathroom is an absolute necessity.  I placed it high on my priority list when I was looking at a house.  If it didn't have 2+ baths, or the space and layout to add a second bathroom then I didn't even consider it.  It will be that way for all future house purchases also. 

Even if it was just me in the house I would insist on 2 bathrooms.  What am I gonna do if I ever have guests, or company, or family over and they are using the bathroom and I have to go?  Maybe I just have a lot of stomache/bathroom issues, and a lot of bad memories of needing to use the bathroom when I couldn't.  We had to share the bathroom, ie poop when someone else was showering and vice versa.  Like a bunch of fucking animals.  No thank you.

I find it hard to claim that having 2 bathrooms is a necessity. The only things that I really consider to be necessities are food, clothing, and shelter, where shelter means a place where you are reasonably safe and have a roof over your head.
You do not NEED to have a second bathroom in your house. It is certainly nice to have a second bathroom in the situations you described. It's perfectly okay to say that you want to have a house with 2 bathrooms, or that you will only buy houses with at least two bathrooms in the future. But it's not true to say that people have to live in places with 2 bathrooms, because it is not a basic requirement, and people on this forum have told you how they grew up without them.

So with my previous responses to this question, I was trying to be respectful, and come from a place of understanding. I know that some people are truly invested in the canon of Mustachianism, as well as the vernacular and verbiage. That being said: Go fuck yourselves. For some reason, 4Alpacas response got my bristles up (no offense to you personally). There are a lot of situations where one is absolutely correct in challenging the assumptions of others. This forum is a good example, especially in the Ask a Mustachian section. However, if the only way you can demonstrate your understanding and commitment to the Mustachian way of life is to focus primarily on the verbiage used (especially with someone who [had you looked around a bit] understands the concepts of Mustachianism), and bash those who don't strictly adhere to your understanding of it, I think you kind of missed the point. Welcome to your Circle of Concern...your Circle of Control is over there.

Shit! Did I miss a couple of words because I typed on my phone? Yes. Did I even bother checking this forum from my phone because it's that important to me? Also:Yes. So for those of you who have gotten caught up in the canon of it all, I think you missed the point. Normally, I'd congratulate you on your enthusiasm, but today, I'm not in the fucking mood. How about you take a minute, think about how much you don't know about the person you are replying to, and reconsider your ignorant answer?

This is not directed to anybody who replied to me, but just something to think about. I'm done being all tolerant and shit tonight.

How exactly am I being ignorant? You're claiming it is my responsibility to check if you are actually Mustachian or not, when you are stating something that is just clearly not true as written? Why exactly is that my responsibility?
Title: Re: Mustachian People Problems (just for fun)
Post by: Roots&Wings on September 04, 2014, 06:33:23 PM
Yes indeed!  And maybe try to think of happier things, like planning your FIREmoon, etc...
Title: Re: Mustachian People Problems (just for fun)
Post by: Ybserp on September 04, 2014, 06:45:08 PM
Yes indeed!  And maybe try to think of happier things, like planning your FIREmoon, etc...

Ooo! Are FIREmoons a thing? Really and truly?!?

::searches internet for private islands available to host gala of the century::
Oh wait. I bet it isn't hardcore to go celebrate FIRE. ::cancels yacht rental::
Title: Re: Mustachian People Problems (just for fun)
Post by: G-dog on September 04, 2014, 06:46:04 PM

And let's get a few beers to soothe the I'mtiredandangry posts...

Yes! ^^
No need to escalate this further, both sides have stated their positions, and it is OK to back off and call it a draw. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on September 04, 2014, 07:49:28 PM
On the topic of luxuries... We have 2.5 baths in our house.... and the DW's mother has bad knees, and won't visit again till we get taller toilets.   We picked up a 17 inch (previous was 15 inches) for our guest bath.   She absolutely would NOT entertain the idea of me getting one of the tall toilet seats. 

To me, taller toilet height is taller height.. *shrug*

I grew up on a house with only one bathroom (no external vanity area) in a family of 5.  Having this many bathrooms makes me feel like a decedent king.   

The DW doesn't like it when she can't use 'our' bathroom/shower.  I always say 'they are all ours, what's the difference?'.   I guess I'll just never get it!
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 04, 2014, 07:53:27 PM
I had to google 403b and 401k combined limits (we get both at work) and was annoyed I can't stache 17500 in each one. Grr

And let's get a few beers to soothe the I'mtiredandangry posts...

Yea it'd be nice right? 457b limits aren't combined with either 401k or 403b limits, so for people who have access to both a 457b and either a 403b or a 401k, they can contribute $35000 a year.
And if they're super lucky, they could make after tax contributions to a 401k up to the $52k limit (I'm not sure if you are allowed to make after tax contributions to a 403b or a 457b. 457b's are strange, they're actually "deferred compensation plans" which has different implications).
Title: Re: Mustachian People Problems (just for fun)
Post by: MrsStubble on September 04, 2014, 09:37:24 PM
My in laws always bring a bag of ice to our house when they visit because my fridge doesn't have a built in ice maker  (I have ice cube trays)
Title: Re: Mustachian People Problems (just for fun)
Post by: FrugalZony on September 04, 2014, 10:17:26 PM
AFAIK Vanguard does this automatically ;)

Why are there only account alerts for low balances, and not high balances?  I wish there was a way to set an alert for my Vanguard fund balances, so that once I hit the minimum for Admiral share status, I can request the conversion asap!
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 04, 2014, 10:19:04 PM
AFAIK Vanguard does this automatically ;)

Why are there only account alerts for low balances, and not high balances?  I wish there was a way to set an alert for my Vanguard fund balances, so that once I hit the minimum for Admiral share status, I can request the conversion asap!

They do, but from what I gather over at the Bogleheads forum, Vanguard can be a bit inconsistent about how long after hitting 10k they convert your shares to Admiral.
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on September 04, 2014, 10:43:31 PM
Well, it's a luxury, but I'm very glad to have more than 1 bathroom in our house.  DH announces he has to poop, then spends like 30+ minutes in there.  Don't know what the hell he's doing, but not going to go in and breath the fumes after him.  Also, housekeeping in there is his issue, and last time I went in there, I was sorry.  2 bathrooms makes for a much happier marriage.  Peeing outside didn't work too well when I had a 1 bathroom house with 4' tall chainlink fences and an alley behind.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on September 05, 2014, 01:21:32 AM
A second bathroom is not somehting I would pay for for 2 normal people only.
But if you are 4 persons or more, then at least having a second toilet is really worth the money. Especially if one is upstairs and one downstairs and you have old people or some other way slightly handicapped people (like me with knee damage) who are really happy when they dont have to take 20 stairs each time ;)

It's a question of priorities re # bathrooms.  Is a second bathroom a necessity?  No - but for a lot of households the second bathroom is more important than a lot of other amenities.  My other "necessity" is a garage for the car - I have lived with and without a garage, and in the middle of a Canadian winter the garage is better.  No snow/ice to clean off the car - and I am talking easily 20 minutes worth of cleaning here.  There are accidents every winter caused by snow/ice coming off a car that was not properly cleaned.  Plus thunderstorms and hail - Ottawa had a big storm a few summers ago, and the hail damage was severe.    My car is not worth a huge amount, but it is worth enough to give it some protection.  Of course if I didn't have a car - but I am in the middle of nowhere, the cars go 70K on my quiet road and 80-80 on the nearest major road, so the bicycle is for fun.
A person I know had a car that was damaged in a hail. Hails are not very frequent here, especially heavy ones. The one I am talking about was ~5km away from my home and made holes in everything in a village, including roofs and walls (but seemed to have stopped in the middle at the big street, the other half of the village had nearly no damage - a really small, concentrated hailstorm).
Luckily the car had no broken glass and no holes, but it looked like a flat golf ball all over. That is really something you dont see that often...
The insurance considered it a full damage and payed the full prize of the car. That person still drives that car around (most others affected this way have gotten a new one) and saved the money. He isnt a mustachian, but that move was a M move ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on September 05, 2014, 05:20:42 AM
We know we are blessed.  When I was house-hunting I looked at older (>100years) houses - generally they had one small bathroom on the main floor, and nothing upstairs with the bedrooms.  If I had bought one of those, the first thing (before moving in) would have been the installation of a bathroom upstairs - not only do I like to shower in a semi-private part of the house, I would have broken a leg or ankle some night heading downstairs at 3AM.  Old knees on steep stairs with worn treads in the middle of the night are not safe.

So, as I now live in a bungalow with my bathroom about 8 steps from my bedroom, and another toilet in the basement laundry room, I consider myself to be living in the lap of modern plumbing luxury.

A second bathroom is not something I would pay for for 2 normal people only.
But if you are 4 persons or more, then at least having a second toilet is really worth the money. Especially if one is upstairs and one downstairs and you have old people or some other way slightly handicapped people (like me with knee damage) who are really happy when they dont have to take 20 stairs each time ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on September 05, 2014, 05:31:57 AM
While we don't yet have two full baths, my husband got the toilet installed in our unfinished second bathroom over the summer. Certainly it's not necessary (we can pee outside without issues other than weather) but damn it's nice. Definitely worth the cost of a little more PVC pipe (no cost to us for the toilet; it was our Christmas present from my parents, who totally rock).

Title: Re: Mustachian People Problems (just for fun)
Post by: madgeylou on September 05, 2014, 05:49:10 AM
two bathrooms has been a game changer for us. in our last house in the ghetto, we had only one, and my husband takes a long time in the morning, while my system's demands are quick and urgent. so if he got in first, things could get quite uncomfortable for me. a few times i had to get dressed and run to mcdonald's or the library to use their loo.

it sure is nice to not have that problem any more :)
Title: Re: Mustachian People Problems (just for fun)
Post by: Roots&Wings on September 05, 2014, 06:15:50 AM
AFAIK Vanguard does this automatically ;)

Why are there only account alerts for low balances, and not high balances?  I wish there was a way to set an alert for my Vanguard fund balances, so that once I hit the minimum for Admiral share status, I can request the conversion asap!

Interesting!  I had asked Vanguard about this, and was told they do a random quarterly review and will upgrade to Admiral shares (or downgrade from!) depending on the balance.  Otherwise, you have to monitor the balance yourself and request the conversion...unless you are patient and wait for the random quarterly review upgrade.

I'm quite excited about graduating to Admiral share status, although my friends don't share this excitement :)
Title: Re: Mustachian People Problems (just for fun)
Post by: theadvicist on September 05, 2014, 07:08:24 AM
On the topic of luxuries... We have 2.5 baths in our house.... and the DW's mother has bad knees, and won't visit again till we get taller toilets.   We picked up a 17 inch (previous was 15 inches) for our guest bath.   She absolutely would NOT entertain the idea of me getting one of the tall toilet seats. 


Sounds like a great way to avoid the in-laws visiting if you ask me! Especially if they are as demanding as that... buy and fit me a new toilet or I won't come? It would be "here's the high seat, nice to see you" from me.
Title: Re: Mustachian People Problems (just for fun)
Post by: theadvicist on September 05, 2014, 07:11:03 AM
My last post sounded harsh... to clarify, I absolutely would make the alteration needed to accommodate her decreased mobility. I would just do it in a sensible way that solves the problem (high seat). I would not fit a brand new toilet. (But I think it's very nice of you to have done so OP).
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 05, 2014, 07:16:52 AM
I wake up everyday and the first thing to do is to check my financial details and bank account. I'm waiting to feel a bit calmer about money. I'm hoping the honeymoon phase must wear off over time!

While we don't yet have two full baths, my husband got the toilet installed in our unfinished second bathroom over the summer. Certainly it's not necessary (we can pee outside without issues other than weather) but damn it's nice. Definitely worth the cost of a little more PVC pipe (no cost to us for the toilet; it was our Christmas present from my parents, who totally rock).

That made me laugh as my garden is absolutely tiny and is overlooked by a lot of my neighbours, I don't think any of them would appreciate us peeing outside. Lol.:)
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 05, 2014, 08:21:36 AM
We had to share the bathroom, ie poop when someone else was showering and vice versa.

Is this a big deal?  That's called "quality time" in my household.

Maybe i'm just weird but I prefer to be alone when I shower and when I poop.   Especially when the timing is fucked up.  Oh you have to rush in and take a diarrhea RIGHT NOW? You can't wait 5 fucking minutes, because I was about to turn the water off in 30 seconds?   I guess not, I guess i'll just stand here in the shower while I listen to (and smell) you taking a diarrhea.  LIKE A FUCKING ANIMAL!
Title: Re: Mustachian People Problems (just for fun)
Post by: Squirrel away on September 05, 2014, 08:23:54 AM
We had to share the bathroom, ie poop when someone else was showering and vice versa.

Is this a big deal?  That's called "quality time" in my household.

Maybe i'm just weird but I prefer to be alone when I shower and when I poop.   Especially when the timing is fucked up.  Oh you have to rush in and take a diarrhea RIGHT NOW? You can't wait 5 fucking minutes, because I was about to turn the water off in 30 seconds?   I guess not, I guess i'll just stand here in the shower while I listen to (and smell) you taking a diarrhea.  LIKE A FUCKING ANIMAL!

That's not weird at all IMO!
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 05, 2014, 08:28:46 AM
I find it hard to claim that having 2 bathrooms is a necessity. The only things that I really consider to be necessities are food, clothing, and shelter, where shelter means a place where you are reasonably safe and have a roof over your head.
You do not NEED to have a second bathroom in your house. It is certainly nice to have a second bathroom in the situations you described. It's perfectly okay to say that you want to have a house with 2 bathrooms, or that you will only buy houses with at least two bathrooms in the future. But it's not true to say that people have to live in places with 2 bathrooms, because it is not a basic requirement, and people on this forum have told you how they grew up without them.

Yea, I grew up without a second bathroom (and already bitched about it in this thread) and it was absolute insanity.  We weren't on welfare, we had a house, we had 2 cars, we had pets, we went out to eat, we went on vacations, smoked cigarettes...and we also shared a single bathroom between 5 peoples whose eating/showering/pooping schedules were all intentionally lined up together.   Absolute insanity.  What the fuck were my parents thinking to not prioritize a second bathroom over a second car? Or several of the vacations we took? Or all the food we ate out? Or my mom's fucking cigarette habit?

I've been through the war zone.  I cannot unexperience that.  It left a mark in me so deep that I cannot even fathom living in a house with a single toilet as a permanent option.
Title: Re: Mustachian People Problems (just for fun)
Post by: CheapskateWife on September 05, 2014, 08:34:34 AM
Lone woman in a house with 4 boys and D.  That's right, 5 males.  There is a second bathroom in our home, and for it I am eternally grateful.  DH is the ONLY person with a penis allowed in ours.  Period.  Also installing an exhaust fan with switch timer has probably saved our marriage. :)

It really makes you think about the grandfather mentioned previously, who viewed indoor toilets as "not an improvement"....that fellow might have been on to something there. 
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 05, 2014, 08:40:12 AM
I don't know if you have some sort of medical condition, but is it really a big deal to wait a minute or two for someone else to finish?  As long as people are respectful and try to be quick, it shouldn't be an issue. When I'm visiting someone and using their shower, unless I'm the only one awake I always ask if anyone needs to use the bathroom before I shower - I always just assumed everyone does this.

Having a vanity or mirror somewhere outside of the bathroom for people to fix their hair at or whatever can also help.

I have been to the dr but have not been diagnosed with any medical condition, other than I get stomach cramps poop frequently.  Apparently nothing medically wrong with me though.   

As long as people are respectful and try to be quick, it shouldn't be an issue, unless you both have diarrhea at the same time.  Then it totally sucks.  Having 2 bathrooms opens up a whole other realm of freedom.  You no longer have to ask if anyone needs to use the bathroom before you shower, you no longer have to worry about rushing to get out of the shower because someone is having stomach cramps, you no longer have to worry about other people showering or using the toilet while you have stomach cramps.  It's a wonderful kind of freedom.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 05, 2014, 08:47:45 AM
Lone woman in a house with 4 boys and D.  That's right, 5 males.  There is a second bathroom in our home, and for it I am eternally grateful.  DH is the ONLY person with a penis allowed in ours.  Period.  Also installing an exhaust fan with switch timer has probably saved our marriage. :)

It really makes you think about the grandfather mentioned previously, who viewed indoor toilets as "not an improvement"....that fellow might have been on to something there.

I did the same thing as soon as I got my own house.  You can get a timer for like $10, and it's super easy to install.  I don't understand why everyone doesn't have one.  You can put the timer on after you poop and let the room vent out for 10, 20, 30, or however long you need depending on the damage.  It's also great for after a shower, I can just hit the 30 minute timer and know all the moisture will be sucked out, but I won't accidentally leave the fan on if I go to bed or leave the house.   

What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zaga on September 05, 2014, 09:00:21 AM
I'm all about our exhaust fan timer!  We got it in the past year and it's just great.  DH actually uses it to keep his showers short, he sets the timer at about 10 minutes when he turns on the water, then when it turns off he knows he has to get out of the shower.

Also, by turning on the vent while you're showering there is never any buildup of steam in the bathroom, which is good for the walls/paint and as soon as you step out of the shower you can use the mirror.

Same for while you're pooping, turn that sucker on before you go, keeps the stink to a minimum.
Title: Re: Mustachian People Problems (just for fun)
Post by: Dr. Doom on September 05, 2014, 10:17:47 AM
I lost my wallet last Friday and didn't realize it until Monday of this week because I didn't once need it over the weekend.  If only I'd needed to spend money or drive somewhere, I would have figured it out much faster.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 05, 2014, 11:35:21 AM
I lost my wallet last Friday and didn't realize it until Monday of this week because I didn't once need it over the weekend.  If only I'd needed to spend money or drive somewhere, I would have figured it out much faster.

Sorry to hear that.

While most things posted on this thread are "problems," yours is actually a legitimate problem that was spurred on by Mustachianism =(
Title: Re: Mustachian People Problems (just for fun)
Post by: Dr. Doom on September 05, 2014, 12:01:30 PM
I lost my wallet last Friday and didn't realize it until Monday of this week because I didn't once need it over the weekend.  If only I'd needed to spend money or drive somewhere, I would have figured it out much faster.

Sorry to hear that.

While most things posted on this thread are "problems," yours is actually a legitimate problem that was spurred on by Mustachianism =(

I meant it in good fun -- it doesn't appear that there were any charges on my CCs, so everything's cancelled and I'm not bothered by it... thanks for caring though :)  I did mention this to one of my friends and he was just like:  How could you POSSIBLY have not noticed your wallet missing that night or, at the very least, next monrning when you're out and about?  It made me laugh, anyway, and think of this thread, which is highly entertaining.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 05, 2014, 12:05:29 PM
I lost my wallet last Friday and didn't realize it until Monday of this week because I didn't once need it over the weekend.  If only I'd needed to spend money or drive somewhere, I would have figured it out much faster.

Sorry to hear that.

While most things posted on this thread are "problems," yours is actually a legitimate problem that was spurred on by Mustachianism =(

I meant it in good fun -- it doesn't appear that there were any charges on my CCs, so everything's cancelled and I'm not bothered by it... thanks for caring though :)  I did mention this to one of my friends and he was just like:  How could you POSSIBLY have not noticed your wallet missing that night or, at the very least, next monrning when you're out and about?  It made me laugh, anyway, and think of this thread, which is highly entertaining.

Haha good to hear.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 05, 2014, 12:08:50 PM
Aw, sorry you have that hassle.  I have to show ID to get into my workplace and sometimes I don't notice until then that I left my wallet at home.  The security guards scratch their heads over how I managed to get to work without it and will sympathetically offer to help me out with cash for lunch or to get the subway home.
Title: Re: Mustachian People Problems (just for fun)
Post by: Threshkin on September 05, 2014, 02:20:46 PM
I lost my wallet last Friday and didn't realize it until Monday of this week because I didn't once need it over the weekend.  If only I'd needed to spend money or drive somewhere, I would have figured it out much faster.

I frequently "lose" my wallet someplace in the house.  After a couple of days, I might start to wonder where it is.  Usually I find it in my bike bag.
Title: Re: Mustachian People Problems (just for fun)
Post by: yandz on September 05, 2014, 03:45:41 PM


What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.

Totally with you on the first comment. Our bathroom has no exhaust fan but the technology was certainly available when the house was built in the early 70s.

I can give you our answer to your second rant. Two words: bonded asbestos. I've asked a few tradies if they would install a fan for us with bonded asbestos in the bathroom and the answer has been uniformly hell no. So it has to wait for a few years until we get the bathroom gutted of all asbestos and rebuilt.

In MN, code is that the bathroom needs an exhaust fan OR awindow.  Say whaaaa?  You want me to open a window to let moisture out after I shower in -30 degree weather?  Not appropriate code in the tundra. Nope. nope. nope.  Bought house; had fan installed.  Thankfully no asbestos prevented it.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on September 05, 2014, 04:00:03 PM


What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.

Totally with you on the first comment. Our bathroom has no exhaust fan but the technology was certainly available when the house was built in the early 70s.

I can give you our answer to your second rant. Two words: bonded asbestos. I've asked a few tradies if they would install a fan for us with bonded asbestos in the bathroom and the answer has been uniformly hell no. So it has to wait for a few years until we get the bathroom gutted of all asbestos and rebuilt.

In MN, code is that the bathroom needs an exhaust fan OR awindow.  Say whaaaa?  You want me to open a window to let moisture out after I shower in -30 degree weather?  Not appropriate code in the tundra. Nope. nope. nope.  Bought house; had fan installed.  Thankfully no asbestos prevented it.

Crap, that reminds me I have to install two bathroom fans.  Each bathroom has a window, so it's been fine so far, but come winter...
Title: Re: Mustachian People Problems (just for fun)
Post by: Dr. Doom on September 05, 2014, 05:19:50 PM
Aw, sorry you have that hassle.  I have to show ID to get into my workplace and sometimes I don't notice until then that I left my wallet at home.  The security guards scratch their heads over how I managed to get to work without it and will sympathetically offer to help me out with cash for lunch or to get the subway home.
Good stuff, that's pretty funny (and nice of them to boot.)

@Threshkin, right, I was initially hoping it'd be in a pair of old shorts or something but no dice.  I realized later that I stupidly left it in my gym bag on Friday morning last week and didn't lock it up because I'd also misplaced my lock somehow, so I'm pretty sure it was lifted by someone.   Should have thrown the wallet in my car instead -- that'll teach me to be lazy ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: 10dollarsatatime on September 05, 2014, 06:33:35 PM
Lone woman in a house with 4 boys and D.  That's right, 5 males.  There is a second bathroom in our home, and for it I am eternally grateful.  DH is the ONLY person with a penis allowed in ours.  Period.  Also installing an exhaust fan with switch timer has probably saved our marriage. :)

It really makes you think about the grandfather mentioned previously, who viewed indoor toilets as "not an improvement"....that fellow might have been on to something there.

There were 9 people in my house growing up... myself, 6 brothers, and my parents.  We had one bathroom.  My parents talked for years about installing another in the basement, but they never got around to it.  And we survived.  I will admit that it is nice to be all grown up in my own house and not have to share the bathroom.  However... I'll always consider a second bathroom an unnecessary nicety... that would have been great to have as a kid in that household.



And... back on topic... I gave myself $25 to spend on whatever I wanted for my birthday... and couldn't think of anything to spend it on.  So I put it toward a student loan.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 05, 2014, 06:48:17 PM
Lone woman in a house with 4 boys and D.  That's right, 5 males.  There is a second bathroom in our home, and for it I am eternally grateful.  DH is the ONLY person with a penis allowed in ours.  Period.  Also installing an exhaust fan with switch timer has probably saved our marriage. :)

It really makes you think about the grandfather mentioned previously, who viewed indoor toilets as "not an improvement"....that fellow might have been on to something there.
And... back on topic... I gave myself $25 to spend on whatever I wanted for my birthday... and couldn't think of anything to spend it on.  So I put it toward a student loan.

Sounds like money well spent!
Title: Re: Mustachian People Problems (just for fun)
Post by: Dr. Doom on September 05, 2014, 07:39:00 PM
We had one bathroom... And we survived.
Silver lining:  The toilet seat must have been perpetually warm.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rural on September 05, 2014, 09:02:07 PM
...and you know, my father grew up one of eleven children in a house with no running water, so I suppose perspective is called for. On the other hand, he's the one who gave us the second toilet for Christmas, so I guess it's okay!
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on September 06, 2014, 09:46:55 AM
I lost my wallet last Friday and didn't realize it until Monday of this week because I didn't once need it over the weekend.  If only I'd needed to spend money or drive somewhere, I would have figured it out much faster.

I frequently "lose" my wallet someplace in the house.  After a couple of days, I might start to wonder where it is.  Usually I find it in my bike bag.

+1, I do the exact same thing, it drives the DW crazy!
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 06, 2014, 10:16:56 AM
Good news: Grocery store near me goes earth-friendly requiring re-usable bags
Bad news: There goes my supply of free trash bags.

I have electricity and a personal computer with processing speeds unheard of a decade ago and an amazing web of interconnected people to connect with and learn from . . . but an annoying little red squiggle shows up whenever I use "mustachianism" because my browser says it's not a real word.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 06, 2014, 11:16:21 AM
Good news: Grocery store near me goes earth-friendly requiring re-usable bags
Bad news: There goes my supply of free trash bags.

I have electricity and a personal computer with processing speeds unheard of a decade ago and an amazing web of interconnected people to connect with and learn from . . . but an annoying little red squiggle shows up whenever I use "mustachianism" because my browser says it's not a real word.

Add it to the dictionary! We all know it deserves to be a word
Title: Re: Mustachian People Problems (just for fun)
Post by: Joggernot on September 06, 2014, 11:30:25 AM
Add it to the dictionary! We all know it deserves to be a word
+1
Already did that!  It's a word in my MSWord dictionary.
Title: Re: Mustachian People Problems (just for fun)
Post by: Jane on September 07, 2014, 08:02:25 AM
What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.

One of our rentals is an old condo that was built without exhaust fans. The condo management refuses to allow exhaust fans that vent outside, although I suppose we could put in one that doesn't vent to the outside but I'm not convinced those do anything. Code allows this because there is a window in a bathroom, which is ridiculous. As if people will shower on a first floor condo with a window open, and particularly in the winter? Right.

My home has 2.5 baths, and only one full bath had an exhaust fan since the other two have windows. We had to install a fan in the other full bath. The half bath still doesn't have one. If there are no existing vents, then it requires cutting through the roof our outside wall to vent, plus running electrical. You also have to be careful it is vented properly, because it can cause moisture to build up where it vents, so can cause issues in attics. It's not a DIY job for someone who has never done either. Not the most expensive job to hire out, but not as cheap as simply buying a vent.
Title: Re: Mustachian People Problems (just for fun)
Post by: Joggernot on September 07, 2014, 09:36:06 AM
What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.
When we put in a vent we ran the vent to an existing roof vent (turbine style) and that gets it outside the attic.  Seems to work fine.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 08, 2014, 07:55:49 AM
What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.

One of our rentals is an old condo that was built without exhaust fans. The condo management refuses to allow exhaust fans that vent outside, although I suppose we could put in one that doesn't vent to the outside but I'm not convinced those do anything. Code allows this because there is a window in a bathroom, which is ridiculous. As if people will shower on a first floor condo with a window open, and particularly in the winter? Right.

My home has 2.5 baths, and only one full bath had an exhaust fan since the other two have windows. We had to install a fan in the other full bath. The half bath still doesn't have one. If there are no existing vents, then it requires cutting through the roof our outside wall to vent, plus running electrical. You also have to be careful it is vented properly, because it can cause moisture to build up where it vents, so can cause issues in attics. It's not a DIY job for someone who has never done either. Not the most expensive job to hire out, but not as cheap as simply buying a vent.

You never vent it inside, that would be ridiculous.  The whole point is to get the moisture outside. 

Yes it requires a little upfront work, but the payout is orders of magnitude better than the work involved.  Kind of like running plumbing and sewer to your house.  It's a pain in the ass, but who would live in a modern society and choose NOT to have that? 

A window in lieu of a fan is ridiculous too.  What about winter time?  What about when you are done with your shower, and you dry off, and then you want to either leave or go to bed but the moisture isn't out of the bathroom?  Do you just hang around with the window open for another 20-30 minutes before you close it?  Every residential bathroom I have been in that doesn't have an exhaust fan has mold growing in it. 

And the house built in the 1970's with asbestos...get that shit taken care of! That bathroom has gone my entire life, plus 10 years, without adequate ventilation.  That's insane! Oh this bathroom doesn't have adequate ventilation, lets just live with it like that for a generation or two.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 08, 2014, 08:47:35 AM
Got busy and didn't finish reading my library book that is due this week.  Tried to renew it online but I can't because the material has a hold on it.   Now I probably won't have enough time to finish it before it's due, and I can't renew it.  I'll have to request it again to finish it.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on September 08, 2014, 11:51:29 AM
My friend got me a free temp membership at her gym.  She meant it kindly but all I can think is what a boring, stupid way to spend time compared to biking and hiking.  I will have to go because I do like her but it does sound dull.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on September 08, 2014, 01:32:15 PM
My friend got me a free temp membership at her gym.  She meant it kindly but all I can think is what a boring, stupid way to spend time compared to biking and hiking.  I will have to go because I do like her but it does sound dull.

Don't fret too much. There is cool stuff to do at a gym. Like fee weights, and the swimming pool. It's not all treadmills and stair machines.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on September 08, 2014, 01:58:02 PM
My friend got me a free temp membership at her gym.  She meant it kindly but all I can think is what a boring, stupid way to spend time compared to biking and hiking.  I will have to go because I do like her but it does sound dull.

Don't fret too much. There is cool stuff to do at a gym. Like fee weights, and the swimming pool. It's not all treadmills and stair machines.

Thanks for the shoulder pat.  I am not actually fretting about it.  More feeling smug that I have an exercise program that I like so much better for free.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 08, 2014, 04:28:48 PM
Maybe this isn't quite a Mustachian problem, but

I recently got a Sallie Mae Mastercard (great card by the way, 5% back on first $250/250/750 of groceries/gas/bookstores every month, Amazon is a bookstore, don't need Sallie Mae loans to apply - can get statement credits for rewards). I want to change the statement cycle so it ends just a bit before the end of the month. But they won't let me specify the statement cycle! They only let me specify the payment due date.

I don't care about the due date! I want to consolidate all my statements to the end of the month, when I balance out YNAB and whatnot, and then pay them off immediately.

And yea yea, I know, the payment date is three days before the end of the next cycle. A minor annoyance, I know.
Title: Re: Mustachian People Problems (just for fun)
Post by: Primm on September 08, 2014, 10:31:38 PM
I've wasted the last 2 hours on the interwebz hitting refresh on my online brokerage account because my ETF value is about to hit a major milestone ending in 3 zeroes. Every time I do it's gone up a titch, down a titch. Bastard doesn't want to fall over the line!

There's nothing special I'm going to do with it then, I just want to see it tick over. :) Like slowing down to watch the odometer in your car when you get to a milestone number.

Clearly the housework isn't going to happen.
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on September 08, 2014, 11:57:39 PM


What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.

Totally with you on the first comment. Our bathroom has no exhaust fan but the technology was certainly available when the house was built in the early 70s.

I can give you our answer to your second rant. Two words: bonded asbestos. I've asked a few tradies if they would install a fan for us with bonded asbestos in the bathroom and the answer has been uniformly hell no. So it has to wait for a few years until we get the bathroom gutted of all asbestos and rebuilt.

In MN, code is that the bathroom needs an exhaust fan OR awindow.  Say whaaaa?  You want me to open a window to let moisture out after I shower in -30 degree weather?  Not appropriate code in the tundra. Nope. nope. nope.  Bought house; had fan installed.  Thankfully no asbestos prevented it.
So, where do you think your make up air is coming from? ( if this is about energy efficiency?). Cold air is drawn into your basement or other area, as the fan blows warm air out...  ( fancy modern crv's excepted, but the previous post just mentioned exhaust fan)

Or do you just object to -30 degree air on your wet, um, shoulders?   
Title: Re: Mustachian People Problems (just for fun)
Post by: BlueHouse on September 09, 2014, 04:36:35 AM

What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.
This won't address exhaust fans for moisture and humidity, but for those looking for the best exhaust fan for other purposes without cutting into a wall, I have one of those fancy toilet seat bidet/washlets and it comes with a filter/deodorizer built into it. It really really works well. Not to mention all the other features that I would no longer want to live without. Yep, it was expensive and I called it the most unmustachian thing I've ever done in another forum, but well worth it IMO. I'd do it again if anything happened to this and I may even get a second one for my guests.
And yeah, for me, a second bathroom was on my list of must-haves when buying this house. I've had to go to gas stations in the middle of the night before. I understand that people can live without it, but I will choose not to.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 09, 2014, 08:22:44 AM


What I understand even less is bathrooms with no exhaust fan at all.  Who built a bathroom without an exhaust fan? It boggles my mind.  And who lives with that bathroom and doesn't install an exhaust fan?!?  HELLO PEOPLE, we have the technology, for minimal cost you can vent all the shit smell and all of the mold causing moisture right out of your bathroom.

Totally with you on the first comment. Our bathroom has no exhaust fan but the technology was certainly available when the house was built in the early 70s.

I can give you our answer to your second rant. Two words: bonded asbestos. I've asked a few tradies if they would install a fan for us with bonded asbestos in the bathroom and the answer has been uniformly hell no. So it has to wait for a few years until we get the bathroom gutted of all asbestos and rebuilt.

In MN, code is that the bathroom needs an exhaust fan OR awindow.  Say whaaaa?  You want me to open a window to let moisture out after I shower in -30 degree weather?  Not appropriate code in the tundra. Nope. nope. nope.  Bought house; had fan installed.  Thankfully no asbestos prevented it.
So, where do you think your make up air is coming from? ( if this is about energy efficiency?). Cold air is drawn into your basement or other area, as the fan blows warm air out...  ( fancy modern crv's excepted, but the previous post just mentioned exhaust fan)

Or do you just object to -30 degree air on your wet, um, shoulders?

It's not about energy efficiency, it's about life efficiency.  For minimal upfront cost you can vent shit smell out, vent mold causing moisture out, AND not have to expose your skin to the outside temperature when wet.  Yes I object to -30 degree air on any part of my wet body, especially when it's totally unnecessary.   

The minimal amount of energy lost by venting out heated or air conditioned air out of the bathroom along with the steam pales in comparison to the benefits of having a properly ventilated bathroom.
Title: Re: Mustachian People Problems (just for fun)
Post by: LiseE on September 09, 2014, 09:04:47 AM
I'm trying to get back into tennis and the group of girls that I'm playing with always invite me to join them but it's a clinic with a pro (at $30 for each of us) ... whatever happened to just hitting the ball around?  I'm running out of excuses to not do the clinics .. how should I phrase it to them without sounding so cheap?  "Call me when you are just playing a game and not for clinics?"

Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 09, 2014, 09:25:55 AM
I'm trying to get back into tennis and the group of girls that I'm playing with always invite me to join them but it's a clinic with a pro (at $30 for each of us) ... whatever happened to just hitting the ball around?  I'm running out of excuses to not do the clinics .. how should I phrase it to them without sounding so cheap?  "Call me when you are just playing a game and not for clinics?"

I've thought about doing something like that, but I've found that table tennis rules work great for me. :-)

I'd just tell them you are interested in a game, not a clinic. And then you can start trash talking them, which should get them to meet you at the park to defend their decision to go to clincs. :-)

Some thoughts:

Quote
I don't need no stinkin' clinic to woop your ass!

Quote
Oh, I'm good enough I don't need a clinic, but if you do, that's cool.

Quote
You haven't played real tennis until you've played at <INSERT FREE PLACE HERE>
Title: Re: Mustachian People Problems (just for fun)
Post by: dorothyc on September 09, 2014, 09:37:21 AM

I don't care about the due date! I want to consolidate all my statements to the end of the month, when I balance out YNAB and whatnot, and then pay them off immediately.


I use YNAB and I just reconcile to the online cc statement and pay the current balance by the end of the month. No need to wait for statement close, and it keeps your net worth at the end of the month report more accurate.
Title: Re: Mustachian People Problems (just for fun)
Post by: ruthiegirl on September 09, 2014, 10:00:57 AM
We signed papers to buy a house yesterday.  And of course, when you buy a house you need home owners insurance.  A few weeks ago, I signed us up and paid for the next year's worth of insurance.  Nice deal, since they let me use my credit card and I get 3% back. 

When we sit down and sign the papers, there is a line for insurance and a hefty charge next to it.  "I all ready paid this.  Can we remove this charge?" 

"You what?  Why would you prepay for insurance?  Everyone just includes it in their mortgage payment?" 

Our mortgage broker flipped out, was unprofessional and accused me of being the only client he has ever had in 20 years who paid for their insurance up front. 

His last statement cracked me up.  "Who has $550 to just pay their insurance?" 

Anyway, we get to go back today, sign some more papers that do not have the extra charge.  Thankfully, our broker is busy and we get to meet with his kind assistant. 

And I am giving this asshat a scathing review. 
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 09, 2014, 11:09:11 AM

I don't care about the due date! I want to consolidate all my statements to the end of the month, when I balance out YNAB and whatnot, and then pay them off immediately.


I use YNAB and I just reconcile to the online cc statement and pay the current balance by the end of the month. No need to wait for statement close, and it keeps your net worth at the end of the month report more accurate.

Yea I do that too, but only once a month. I want to be able to sit down once a month and download all my statements and punch in all the transactions from my receipts and/or credit card statements. If my statements don't come out around the same time, then I can't pull this off.
Right now, they're not consolidated, and I end up spending too much time staring at YNAB and projecting my savings rate every time I fire it up to enter my transactions [there's a Mustachian problem!]. I need to stop thinking about money so much, and sitting down once a month to reconcile all of my transactions will help me do that.
Title: Re: Mustachian People Problems (just for fun)
Post by: solon on September 09, 2014, 11:09:58 AM
We signed papers to buy a house yesterday.  And of course, when you buy a house you need home owners insurance.  A few weeks ago, I signed us up and paid for the next year's worth of insurance.  Nice deal, since they let me use my credit card and I get 3% back. 

When we sit down and sign the papers, there is a line for insurance and a hefty charge next to it.  "I all ready paid this.  Can we remove this charge?" 

"You what?  Why would you prepay for insurance?  Everyone just includes it in their mortgage payment?" 

Our mortgage broker flipped out, was unprofessional and accused me of being the only client he has ever had in 20 years who paid for their insurance up front. 

His last statement cracked me up.  "Who has $550 to just pay their insurance?" 

Anyway, we get to go back today, sign some more papers that do not have the extra charge.  Thankfully, our broker is busy and we get to meet with his kind assistant. 

And I am giving this asshat a scathing review.

You can prepay home owner's insurance? Hmm...
Title: Re: Mustachian People Problems (just for fun)
Post by: Emilyngh on September 09, 2014, 11:22:59 AM
Every two days or so, I have to go out to our garden to pick armloads of virtually free produce.   Which, we then have to eat/pickle/can/freeze in time before it goes bad.   Waah.
Title: Re: Mustachian People Problems (just for fun)
Post by: Louis the Cat on September 09, 2014, 11:40:57 AM
Every two days or so, I have to go out to our garden to pick armloads of virtually free produce.   Which, we then have to eat/pickle/can/freeze in time before it goes bad.   Waah.

This!!! Right now, I have two plum trees that are dropping plums faster than we can pick them and I don't have the first idea how we're going to find the time to process them because I'm having the busiest month I've had in 10 years! And that doesn't include the tomatoes and peppers that are also ripening all at once...
Title: Re: Mustachian People Problems (just for fun)
Post by: Elle 8 on September 09, 2014, 11:57:24 AM
Hi!  On a beautiful, sunny, breezy day I feel like saying "Ahhhh, what a perfect clothes drying day!" (on the clothesline).  But I don't because I don't want to sound strange.
Title: Re: Mustachian People Problems (just for fun)
Post by: Travisthetruth on September 09, 2014, 12:07:22 PM
My parents thinks i'm dumb and that what i'm doing can't be attained 
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on September 09, 2014, 12:46:34 PM
My parents thinks i'm dumb and that what i'm doing can't be attained
I'm sure your parents don't think you're dumb.  If you provide an outline for how you obtain your goals, you'll have more success. 

Good luck with high school!
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 09, 2014, 01:53:25 PM
We signed papers to buy a house yesterday.  And of course, when you buy a house you need home owners insurance.  A few weeks ago, I signed us up and paid for the next year's worth of insurance.  Nice deal, since they let me use my credit card and I get 3% back. 

When we sit down and sign the papers, there is a line for insurance and a hefty charge next to it.  "I all ready paid this.  Can we remove this charge?" 

"You what?  Why would you prepay for insurance?  Everyone just includes it in their mortgage payment?" 

Our mortgage broker flipped out, was unprofessional and accused me of being the only client he has ever had in 20 years who paid for their insurance up front. 

His last statement cracked me up.  "Who has $550 to just pay their insurance?" 

Anyway, we get to go back today, sign some more papers that do not have the extra charge.  Thankfully, our broker is busy and we get to meet with his kind assistant. 

And I am giving this asshat a scathing review.

You can prepay home owner's insurance? Hmm...

It was my understanding that that is all escrow does.  It rolls the first payments into the mortgage, then starts an escrow account that makes you pay $x so that when insurance and tax time comes you have the full balance to pay those bills.  And thus your insurance is paid in full on the due date each year.

Also aren't all forms of insurance pre paid?  Kind of takes the risk out of the equation if they give you coverage without requiring payment.
Title: Re: Mustachian People Problems (just for fun)
Post by: Primm on September 09, 2014, 06:23:36 PM
We signed papers to buy a house yesterday.  And of course, when you buy a house you need home owners insurance.  A few weeks ago, I signed us up and paid for the next year's worth of insurance.  Nice deal, since they let me use my credit card and I get 3% back. 

When we sit down and sign the papers, there is a line for insurance and a hefty charge next to it.  "I all ready paid this.  Can we remove this charge?" 

"You what?  Why would you prepay for insurance?  Everyone just includes it in their mortgage payment?" 

Our mortgage broker flipped out, was unprofessional and accused me of being the only client he has ever had in 20 years who paid for their insurance up front. 

His last statement cracked me up. "Who has $550 to just pay their insurance?"

Anyway, we get to go back today, sign some more papers that do not have the extra charge.  Thankfully, our broker is busy and we get to meet with his kind assistant. 

And I am giving this asshat a scathing review.

Who buys a house without $550 (at least) left over to pay for "shit I forgot"???

If you can't afford that, you can't afford a house. That astounds me.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cressida on September 09, 2014, 09:06:38 PM
Also aren't all forms of insurance pre paid?  Kind of takes the risk out of the equation if they give you coverage without requiring payment.

I used to work in insurance billing. Agents would routinely bind coverage over the phone without a payment - most commonly for auto insurance, but sometimes home insurance too if it wasn't paid through the lender. The policy will cancel for nonpayment after a given number of days, but you do have coverage during that period.
Title: Re: Mustachian People Problems (just for fun)
Post by: Primm on September 09, 2014, 09:08:44 PM
I've always wondered about that Cressida, if you were to make a claim on the insurance during that period (premium not yet due and unpaid), would it be paid out? Or would you have to pay the premium first? Or would the company pay the claim *minus* the premium amount?
Title: Re: Mustachian People Problems (just for fun)
Post by: Cressida on September 09, 2014, 09:23:54 PM
I've always wondered about that Cressida, if you were to make a claim on the insurance during that period (premium not yet due and unpaid), would it be paid out? Or would you have to pay the premium first? Or would the company pay the claim *minus* the premium amount?

Yes, it would be paid, regardless of whether the premium was paid. I don't know if they would offset the unpaid premium against the claim, but I doubt it because I never saw a policy that had been adjusted for that reason. Actually, I take that back; it almost certainly depends on state law (insurance companies are regulated by the state). So companies probably can't do that in WA since I never saw it, but it might be true in other states.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on September 09, 2014, 11:51:18 PM
We signed papers to buy a house yesterday.  And of course, when you buy a house you need home owners insurance.  A few weeks ago, I signed us up and paid for the next year's worth of insurance.  Nice deal, since they let me use my credit card and I get 3% back. 

When we sit down and sign the papers, there is a line for insurance and a hefty charge next to it.  "I all ready paid this.  Can we remove this charge?" 

"You what?  Why would you prepay for insurance?  Everyone just includes it in their mortgage payment?" 

Our mortgage broker flipped out, was unprofessional and accused me of being the only client he has ever had in 20 years who paid for their insurance up front. 

His last statement cracked me up.  "Who has $550 to just pay their insurance?" 

Anyway, we get to go back today, sign some more papers that do not have the extra charge.  Thankfully, our broker is busy and we get to meet with his kind assistant. 

And I am giving this asshat a scathing review.

You can prepay home owner's insurance? Hmm...

It was my understanding that that is all escrow does.  It rolls the first payments into the mortgage, then starts an escrow account that makes you pay $x so that when insurance and tax time comes you have the full balance to pay those bills.  And thus your insurance is paid in full on the due date each year.

Also aren't all forms of insurance pre paid?  Kind of takes the risk out of the equation if they give you coverage without requiring payment.

A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on September 10, 2014, 12:50:55 AM
Every two days or so, I have to go out to our garden to pick armloads of virtually free produce.   Which, we then have to eat/pickle/can/freeze in time before it goes bad.   Waah.

This!!! Right now, I have two plum trees that are dropping plums faster than we can pick them and I don't have the first idea how we're going to find the time to process them because I'm having the busiest month I've had in 10 years! And that doesn't include the tomatoes and peppers that are also ripening all at once...
Put up a sign "plums, self picking, X$/kg".
People carry the stuff away for you and you even get paid for their "waste disposal"!
Title: Re: Mustachian People Problems (just for fun)
Post by: Two9A on September 10, 2014, 04:21:46 AM
You can prepay home owner's insurance? Hmm...
I wasn't aware you could do it any other way. In the UK at least, home insurance is entirely separated from the home loan provider, and insurance providers run advertisements on a regular basis stating that you can pre-pay for the year, or monthly.

(Of course, the monthly payments are actually repayments on a high-interest one-year loan the provider gives to you, but that's another story.)
Title: Re: Mustachian People Problems (just for fun)
Post by: ruthiegirl on September 10, 2014, 07:02:10 AM

A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.

That is how our car insurance is as well and yes, I was also a dope who paid that 'service charge' for a few years till I changed my naughty ways. 

Our new papers are signed.  Our broker was not present and his associate was lovely.  She apologized for him which was unnecessary and dished about his money woes.  He is in deep for alimony and a boat and something called a toy hauler.

The deed is done and we get the keys today!
Title: Re: Mustachian People Problems (just for fun)
Post by: Pat on September 10, 2014, 07:10:58 AM
I've shaved my head every week since I joined the military. My $10 clippers were 10 years old when they died. I was excited to soon be under $1/yr on 'hair products,' but then I had to buy another set for ~$10 (yes, I did some troubleshooting and attempted to repair the clippers before my wife insisted "it's dead, you need a new one.")
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on September 10, 2014, 07:24:12 AM

A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.

That is how our car insurance is as well and yes, I was also a dope who paid that 'service charge' for a few years till I changed my naughty ways. 

Our new papers are signed.  Our broker was not present and his associate was lovely.  She apologized for him which was unnecessary and dished about his money woes.  He is in deep for alimony and a boat and something called a toy hauler.

The deed is done and we get the keys today!

We did the same thing, before we were married, my DW just always paid quarterly.  When My car was added, I was like 'why don't we just pay it all upfront?' and she's like 'I dunno, that's just how I've done it' ..  It does save a few bucks doing it all right away. 
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 10, 2014, 09:05:56 AM
A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.

Because you have gotten car insurance before and can do elementary math?  That's entirely beside the point though, you still have to pay that first monthly payment immediately.  You just prepay each month (and pay an extra convenience fee) instead of prepaying for the entire period. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Travisthetruth on September 10, 2014, 09:08:20 AM
No one takes your advise seriously because your so young
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on September 10, 2014, 10:45:17 AM
No one takes your advise seriously because your so young

I hear ya on that one! I moved out on my own to a far away city when I hit 18, and had SO MUCH trouble with this for years. I'm fairly young looking for my age as well, which didn't help. I remember getting dismissed left and right for jobs, apartments, and even medical procedures - they even told me it was because of my age! Based on my experience, you unfortunately have about another 10 years to go :( It's great being 27 now.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on September 10, 2014, 03:16:08 PM
A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.

Because you have gotten car insurance before and can do elementary math?  That's entirely beside the point though, you still have to pay that first monthly payment immediately.  You just prepay each month (and pay an extra convenience fee) instead of prepaying for the entire period.

Well, I put it on a credit card, so I'm really post-paying ;-)  Point taken though
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on September 10, 2014, 10:45:09 PM
Happy/Sad moment. I hit the driving range 2 days ago to get ready for a golf tournament. Then I notice the soles of my golf shoes are peeling off (again, I've gorilla glued them back on twice. Don't know how old). So I was kind of excited to buy a new pair. Headed to the golf warehouse to check out shoes. Seems like some of the newer shoes don't even have the cleats anymore and the soles kind of looked like a pair of skechers I don't where anymore. So now I have a new/used pair of golf kicks....win/win!

Plus, I think it's funny when I beat people with a set of 21 yr old set of Wilson clubs. I haven't played for 2 yrs and still shot an 88.
Title: Re: Mustachian People Problems (just for fun)
Post by: windypig on September 10, 2014, 11:14:27 PM
I shop so little that I dont accumulate enough plastic bags for picking up my dog's poop.
Title: Re: Mustachian People Problems (just for fun)
Post by: theadvicist on September 11, 2014, 03:32:22 AM
I run payroll at work. Because we live on one salary and don't 'need' the money, I have come *this* close to completely forgetting to pay everyone in the company.

(That didn't happen when I was one of the people desperate for payday to come! It was useful being able to bring it forward a bit though).
Title: Re: Mustachian People Problems (just for fun)
Post by: TheNorwegianGuy on September 11, 2014, 03:45:17 AM
I run payroll at work. Because we live on one salary and don't 'need' the money, I have come *this* close to completely forgetting to pay everyone in the company.

(That didn't happen when I was one of the people desperate for payday to come! It was useful being able to bring it forward a bit though).

Haha... This could easily become an armageddon for the employees, breaking out in anarchy!
Title: Re: Mustachian People Problems (just for fun)
Post by: Hedge_87 on September 11, 2014, 06:19:56 AM
I run payroll at work. Because we live on one salary and don't 'need' the money, I have come *this* close to completely forgetting to pay everyone in the company.

(That didn't happen when I was one of the people desperate for payday to come! It was useful being able to bring it forward a bit though).

Haha... This could easily become an armageddon for the employees, breaking out in anarchy!

The end is near!! Save yourself! Living paycheck to paycheck just makes everything so much more difficult.  I realize for some people it's not a choice and I truly feel for them but the people at my work place do this voluntarily.  I have a hard time bitting my tongue sometimes.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 11, 2014, 09:43:06 AM
I run payroll at work. Because we live on one salary and don't 'need' the money, I have come *this* close to completely forgetting to pay everyone in the company.

(That didn't happen when I was one of the people desperate for payday to come! It was useful being able to bring it forward a bit though).

You should do it and post it in the epic FU stories thread! =)
Title: Re: Mustachian People Problems (just for fun)
Post by: merula on September 11, 2014, 11:14:22 AM

A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.

That is how our car insurance is as well and yes, I was also a dope who paid that 'service charge' for a few years till I changed my naughty ways. 

Our new papers are signed.  Our broker was not present and his associate was lovely.  She apologized for him which was unnecessary and dished about his money woes.  He is in deep for alimony and a boat and something called a toy hauler.

The deed is done and we get the keys today!

When I refinanced my mortgage (to 15 years at half the interest rate!), my new company wouldn't let me just send them proof of insurance like my old one did. They tried to make me use their insurance company (at 3x my prior premium with less coverage), which I refused to do. My agent worked it out so that instead of billing me for the premium, they just billed the mortgage company who took it out of escrow. Which meant I had to rework my budget.

With my insurance company, the discount for signing up for monthly EFT is more than the discount for paying in full. Weird, but I'm not going to argue it.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 11, 2014, 11:34:07 AM
I shop so little that I dont accumulate enough plastic bags for picking up my dog's poop.

In my parent's county, they charge a 5 cent tax on plastic bags! So now lots of people use reusable bags.
Title: Re: Mustachian People Problems (just for fun)
Post by: FirePaddle on September 11, 2014, 12:23:45 PM
Over-contributing to HSA account=$25 fee. I think my employer messed that one up!
Title: Re: Mustachian People Problems (just for fun)
Post by: KeeKat on September 11, 2014, 06:45:16 PM
Had to register to share this... No one else will understand!

Been tracking my expenses/net worth closely since July. I was on track to hit 40K networth by the end of the year by saving $600 per month. I forgot to include my car (yes, facepunch for buying a new car a few years ago) as property in calculating my NW and magically when adding that in per KBB value, I hit 52K NW.

Now I'm super bummed as I won't hit my next milestone for such a long time :(
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 11, 2014, 07:48:29 PM
Had to register to share this... No one else will understand!

Been tracking my expenses/net worth closely since July. I was on track to hit 40K networth by the end of the year by saving $600 per month. I forgot to include my car (yes, facepunch for buying a new car a few years ago) as property in calculating my NW and magically when adding that in per KBB value, I hit 52K NW.

Now I'm super bummed as I won't hit my next milestone for such a long time :(

You could decide to not include your car in your net worth. Which isn't all that "wrong" because unless you're going to give up using a car entirely, once you sell your car you're going to use at least some of that money towards your next car.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 11, 2014, 09:52:53 PM
Also a car is a depreciating asset, so it gets sort of complicated to include.  I think most people don't.

But I feel your pain.  I was going to celebrate when my net worth doubled since I started tracking it...but I'm not intuitively good with numbers so I mis-estimated and it actually happened five months ago...
Title: Re: Mustachian People Problems (just for fun)
Post by: Eric on September 11, 2014, 10:04:47 PM
No one takes your advise seriously because your so young

In person?  That makes total sense.  Online or in print?  I wouldn't take you seriously either.  People who don't know the difference between advice and advise or your and you're shouldn't be taken seriously.  Grammar is still important, no matter what your generation seems to think.

[/getoffmylawn]
Title: Re: Mustachian People Problems (just for fun)
Post by: Wolf_Stache on September 12, 2014, 10:18:33 AM
No one takes your advise seriously because your so young

In person?  That makes total sense.  Online or in print?  I wouldn't take you seriously either.  People who don't know the difference between advice and advise or your and you're shouldn't be taken seriously.  Grammar is still important, no matter what your generation seems to think.

[/getoffmylawn]

Eric is a bit harsh, but he has a point. As a novelist, those kinds of errors make me roll my eyes and move on. Especially once you get into the business world. If you are struggling, try writing your posts out in word, then use the spelling AND grammar check in word before posting. It won't catch everything, but it is better than nothing.

In person - I feel your pain. it is only now that I'm in my thirties that I actually *look* old enough for people to take my advice seriously. I almost got arrested once when I was 29, because the cop thought I was a junior high/high school kid skipping school.

The way to get around looking young is to sound authoritative and knowledgeable when you talk.
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on September 12, 2014, 10:37:45 AM
No one takes your advise seriously because your so young

In person?  That makes total sense.  Online or in print?  I wouldn't take you seriously either.  People who don't know the difference between advice and advise or your and you're shouldn't be taken seriously.  Grammar is still important, no matter what your generation seems to think.

[/getoffmylawn]

Eric is a bit harsh, but he has a point. As a novelist, those kinds of errors make me roll my eyes and move on. Especially once you get into the business world. If you are struggling, try writing your posts out in word, then use the spelling AND grammar check in word before posting. It won't catch everything, but it is better than nothing.

In person - I feel your pain. it is only now that I'm in my thirties that I actually *look* old enough for people to take my advice seriously. I almost got arrested once when I was 29, because the cop thought I was a junior high/high school kid skipping school.

The way to get around looking young is to sound authoritative and knowledgeable when you talk.

I would actually argue the opposite is true.  Become an authority and people will care what you have to say. 

Quote from: Louis CK
Because you think you deserve better. You think you’re too interesting a person to have a shitty job. Every 20-year-old that I encounter behind the counter gives me that [look], ‘this job sucks.’ Yeah, that’s why we gave it to you! Because you’re 20, which is a mathematical guarantee that you have no skills and nothing to offer anybody in the world.

You’re 20! For two decades, you’ve just been taking and sucking up – education and love and food and iPods; just sucking it up and judging it. Ugh – “It’s pretty good, but not really, I like that.” You’ve just been selecting and absorbing shit that you didn’t fucking earn for two decades! Three presidents, that’s how long. You’ve just been a burden!

You’re like an orange that is rotting on a tree. And the tree’s like, “get this thing, it’s crazy.” “I don’t want to go, let me stay!”

You’re 20! You’ve never done any – if you’re 20 years old, I guarantee you, you have never done anything for anybody ever, never. Yes, you went on a school trip to Guatemala and they told you, you helped, but you totally did not help.
Title: Re: Mustachian People Problems (just for fun)
Post by: Paul der Krake on September 12, 2014, 10:56:46 AM
A lot of car insurers offer handy monthly payment plans on their 6-mo premiums.  You pay a few extra bucks per month for this "service."  Ask me how I know.

Because you have gotten car insurance before and can do elementary math?  That's entirely beside the point though, you still have to pay that first monthly payment immediately.  You just prepay each month (and pay an extra convenience fee) instead of prepaying for the entire period.
I purchased a renters policy from a large national company last month. That little service charge difference between paying monthly or 12 months upfront added up to almost double. After a little chat with the insurance lady, it would appear that the only people renting in my area do not have $90 in their pocket right now, or think paying $14 a month is a much better deal.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 12, 2014, 12:11:44 PM
Panicked this morning when I saw a negative account balance on my bank website.

It was my credit card due to a return being processed after I paid the bill.
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on September 12, 2014, 03:10:22 PM
Panicked this morning when I saw a negative account balance on my bank website.

It was my credit card due to a return being processed after I paid the bill.

I kind of did the same thing the other day but didn't realize that they owed me...so I sent off another payment (oops).
Title: Re: Mustachian People Problems (just for fun)
Post by: Andiham on September 12, 2014, 04:41:10 PM
My parents thinks i'm dumb and that what i'm doing can't be attained

Amen.

Also:
- My mother and I get into tiffs because she wants to buy me stuff when we visit her and I tell her there's nothing I want/I don't need anything.
- I have learned how to cook awesome food at home and so consequently have begun to realize that restaurant food isn't that great.
- People offering to pay for my food, my tickets, etc when I decline invitations to restaurants, plays, etc, because they think I can't afford it.
Title: Re: Mustachian People Problems (just for fun)
Post by: Basenji on September 13, 2014, 07:06:28 AM
Family members with serious financial issues who always have the latest toys were talking about the new iPhone and the daughter is whining, "When are we getting new phones?" I felt physical distress keeping myself from saying anything, my brain was exploding with "WTF? You are in debt!" We were eating and I lost my appetite.
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on September 13, 2014, 11:08:01 PM
Having to replace tires because they get too old not because the tread is wearing down.  This is hard because they *look* just fine.
Title: Re: Mustachian People Problems (just for fun)
Post by: GardenFun on September 14, 2014, 07:47:54 AM
Also:
- My mother and I get into tiffs because she wants to buy me stuff when we visit her and I tell her there's nothing I want/I don't need anything.

This!!! So true.  Got birthday money from parents with a note from Mom stating that I MUST spend the money and better not save it.  I typically save the money until I find something I want (may be 6 months later), but she wants me to spend it immediately and give a play-by-play on the purchases. 
Title: Re: Mustachian People Problems (just for fun)
Post by: GardenFun on September 14, 2014, 07:53:27 AM
You have money fights with your significant other because you have TOO much money and not sure what to do with it. 

Husband got serious look in his eye recently, said he took money out of the ATM and we needed to talk about the account balance.  I thought maybe someone stole some money out of it.  Oh no, he was freaked out because there was too much money in the account and he wanted to know why I wasn't doing something with it.  My gosh, it had been growing for months and he finally realized it. 

Title: Re: Mustachian People Problems (just for fun)
Post by: Adventine on September 14, 2014, 09:41:38 AM
You have money fights with your significant other because you have TOO much money and not sure what to do with it. 

Husband got serious look in his eye recently, said he took money out of the ATM and we needed to talk about the account balance.  I thought maybe someone stole some money out of it.  Oh no, he was freaked out because there was too much money in the account and he wanted to know why I wasn't doing something with it.  My gosh, it had been growing for months and he finally realized it.
I love this.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 14, 2014, 10:24:24 AM
Nobody believes you when you say you want to walk somewhere because the weather's nice.  They assume you only want to do it to save money.
Title: Re: Mustachian People Problems (just for fun)
Post by: GardenFun on September 14, 2014, 12:11:12 PM
Nobody believes you when you say you want to walk somewhere because the weather's nice.  They assume you only want to do it to save money.

And you are both correct.  :-)  Only, the money is a small secondary reason that is now habit. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Mexitali on September 14, 2014, 03:14:24 PM
I can't take advantage of high interest checking accounts because I don't make enough purchases.
Hahahahhaha! That's awesome! A friend of mine back in the day rode his bike everywhere and I thought the same thing. Turned out he had a perfectly fine functioning car in his back garage--he was just mustacian and no one knew about that way of life back in '02 lolz! I thought he was nutz but now I'm here wishing I had taken notes a decade ago.
Title: Re: Mustachian People Problems (just for fun)
Post by: iris lily on September 14, 2014, 04:02:11 PM
I have shopping ADHD. When making a "big" purchase I can only stand to look at "features" for about 7 - 8 minutes then I'm ready to jump out of my skin, I am done.

I had a sudden urge, after sleeping in a hotel, to try a softer new-type mattress like a pillow top or something similar. So yesterday I went to the mattress store and after lying down on their beds and then hearing aboaut hard mattress/soft top and all of the variations, I just got bored. I don't care.

Never mind, I'll stick with my own mattress.

I was the same way when we last bought a television. Our friend who is addicted to electronics, went with us because she loves electronics. I couldn't get interested in all of the "features" she kept pointing out, "do you want this ...?"  or "what about that...?" or "soon you will need blah blah blah because of blah blah blah..."

I. don't. care. I just want a tv that works.
Title: Re: Mustachian People Problems (just for fun)
Post by: DDrake on September 14, 2014, 05:26:00 PM
Having to take the time to explain to the lady in HR how I can survive while maxing out my 401k contribution.   
Title: Re: Mustachian People Problems (just for fun)
Post by: Elderwood17 on September 14, 2014, 05:45:24 PM
Having to bet your tongue constantly when people think you drive the car you drive because you cannot afford a new Stupid Useless Vehicle like their new Escalade they are so proudly showing you. 

My tongue gets bit often being of a mustachian mind set!
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on September 14, 2014, 08:25:41 PM
I have shopping ADHD. When making a "big" purchase I can only stand to look at "features" for about 7 - 8 minutes then I'm ready to jump out of my skin, I am done.

I had a sudden urge, after sleeping in a hotel, to try a softer new-type mattress like a pillow top or something similar. So yesterday I went to the mattress store and after lying down on their beds and then hearing aboaut hard mattress/soft top and all of the variations, I just got bored. I don't care.

Never mind, I'll stick with my own mattress.

I was the same way when we last bought a television. Our friend who is addicted to electronics, went with us because she loves electronics. I couldn't get interested in all of the "features" she kept pointing out, "do you want this ...?"  or "what about that...?" or "soon you will need blah blah blah because of blah blah blah..."

I. don't. care. I just want a tv that works.

I feel this way too...I can't believe people fall for the hype of things like a curved, 3D or smart TV. I've been watching mine with about a 1/4 of the screen blurry after the last move. Still looks fine to me.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on September 15, 2014, 08:12:04 AM
I have shopping ADHD. When making a "big" purchase I can only stand to look at "features" for about 7 - 8 minutes then I'm ready to jump out of my skin, I am done.

I had a sudden urge, after sleeping in a hotel, to try a softer new-type mattress like a pillow top or something similar. So yesterday I went to the mattress store and after lying down on their beds and then hearing aboaut hard mattress/soft top and all of the variations, I just got bored. I don't care.

Never mind, I'll stick with my own mattress.

I was the same way when we last bought a television. Our friend who is addicted to electronics, went with us because she loves electronics. I couldn't get interested in all of the "features" she kept pointing out, "do you want this ...?"  or "what about that...?" or "soon you will need blah blah blah because of blah blah blah..."

I. don't. care. I just want a tv that works.

I feel this way too...I can't believe people fall for the hype of things like a curved, 3D or smart TV. I've been watching mine with about a 1/4 of the screen blurry after the last move. Still looks fine to me.

This.  Especially with TVs.  I'm using a 7 year old 32" TV that is not even full HD :GASP: I'd like to buy a new TV but all the useless features get annoying when looking at options.  I guess I'll just keep using it till it dies and then I'll buy something that's on clearance or craigslist or something. 
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 15, 2014, 08:26:54 AM
I have shopping ADHD. When making a "big" purchase I can only stand to look at "features" for about 7 - 8 minutes then I'm ready to jump out of my skin, I am done.

I had a sudden urge, after sleeping in a hotel, to try a softer new-type mattress like a pillow top or something similar. So yesterday I went to the mattress store and after lying down on their beds and then hearing aboaut hard mattress/soft top and all of the variations, I just got bored. I don't care.

Never mind, I'll stick with my own mattress.

I was the same way when we last bought a television. Our friend who is addicted to electronics, went with us because she loves electronics. I couldn't get interested in all of the "features" she kept pointing out, "do you want this ...?"  or "what about that...?" or "soon you will need blah blah blah because of blah blah blah..."

I. don't. care. I just want a tv that works.

I feel this way too...I can't believe people fall for the hype of things like a curved, 3D or smart TV. I've been watching mine with about a 1/4 of the screen blurry after the last move. Still looks fine to me.

I'm of a slightly different mind set here. I couldn't see the point in watching anything on the TV unless it was a good experience. The last TV we had was given to us because it randomly turned off. As it got worse, we just watched less and less. If I was going to actually sit down and watch something, a blur, or a bad experience would make me angry. That being said, my TV is primarily used for Chromecasting pandora, so if there was a way I could turn off the screen, but keep the speakers, it would almost never be turned on...except for Dr. Who.
Title: Re: Mustachian People Problems (just for fun)
Post by: pachnik on September 15, 2014, 08:48:51 AM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).
Title: Re: Mustachian People Problems (just for fun)
Post by: Daisy on September 15, 2014, 06:51:55 PM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).

I moved recently and went cable-free. The problem is...wait for it...that I never upgraded to a digital TV. I stuck with my old huge (and nice) TV and just let the cable convert the digital signal to analog while I was in my old house. I just got too lazy to rewire everything after the digital conversion took place.

Now I have this huge TV in the new house that has never been turned on. I borrowed a small digital TV from a friend, but only use it occasionally to watch the news and stuff. I've actually been watching a lot less TV after the move and cutting the cable cord. I'm wondering if I should splurge and buy a regular sized digital TV to use with an antenna or just stick with the small one. I'll probably cave at some point when I start wanting to watch movies.

Watching one or two shows online has been very acceptable for now...
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on September 16, 2014, 09:22:35 AM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors. 
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 16, 2014, 11:01:31 AM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors.

You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on September 16, 2014, 12:18:16 PM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors.

You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.

I haven't seen any mail addressed to frugalnacho but I'll pay more attention in the future. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Paul der Krake on September 17, 2014, 10:02:19 AM
You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.
That boggles my mind. I've kept receiving magazine subscriptions for people who moved out months ago. Do they not even notice when the magazine they pay for doesn't come after a while?

If only USPS provided a straightforward service to let everybody know you moved and forward your shit to you every time you switch... Oh wait it does.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on September 17, 2014, 11:21:24 AM
You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.
That boggles my mind. I've kept receiving magazine subscriptions for people who moved out months ago. Do they not even notice when the magazine they pay for doesn't come after a while?

If only USPS provided a straightforward service to let everybody know you moved and forward your shit to you every time you switch... Oh wait it does.

As someone who just moved... screw that.  I've submitted two forwarding requests in the last month, and never got a confirmation.  I tried to call the old post office using the number on usps.com... number disconnected.  1-800 number people can't do anything and give me a different disconnected number.  WTH?

Of course, it would probably work fine if I paid the $1 credit card fee to "verify" my identity online, despite the fact that they can easily perform this verification without actually charging me any money.  And supposedly submitting a snail-mail request is free (but apparently they discourage this by just throwing them in the trash?). 

/rant
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 17, 2014, 08:50:44 PM
People are discussing how much they make per week.  You hella surprise everyone with a really low number and then you're like, 'Wait, wait, I'm sorry, that's what comes into my checking account after my maxed-out 401k contribution.  I guess I don't actually know what I make per week.'


And supposedly submitting a snail-mail request is free (but apparently they discourage this by just throwing them in the trash?). 
/rant

Well they're practicing that low-information diet thing.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on September 18, 2014, 09:41:25 AM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors.

You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.

When I got home from work, after posting this, my neighbors mail was in my mailbox.  The coincidence almost blew my mind until I realized I had like a 25% chance of that happening.

I also get mail for people that lived in my house over 8 years ago.  8 Fucking years ago and they still deliver mail.  I wrote "RETURN TO SENDER - DOES NOT LIVE HERE" for awhile, but they kept coming back.  Now I just throw their mail in the garbage.  I assume it's garbage and not important if they are sending it to an address they haven't lived at for 8+ years.
Title: Re: Mustachian People Problems (just for fun)
Post by: TomTX on September 19, 2014, 08:20:48 PM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors.

You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.

When I got home from work, after posting this, my neighbors mail was in my mailbox.  The coincidence almost blew my mind until I realized I had like a 25% chance of that happening.

I also get mail for people that lived in my house over 8 years ago.  8 Fucking years ago and they still deliver mail.  I wrote "RETURN TO SENDER - DOES NOT LIVE HERE" for awhile, but they kept coming back.  Now I just throw their mail in the garbage.  I assume it's garbage and not important if they are sending it to an address they haven't lived at for 8+ years.

Just this week, got 2 pieces of mail for the former owner who moved out 10 years ago...
Title: Re: Mustachian People Problems (just for fun)
Post by: Threshkin on September 20, 2014, 11:24:01 AM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors.

You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.

When I got home from work, after posting this, my neighbors mail was in my mailbox.  The coincidence almost blew my mind until I realized I had like a 25% chance of that happening.

I also get mail for people that lived in my house over 8 years ago.  8 Fucking years ago and they still deliver mail.  I wrote "RETURN TO SENDER - DOES NOT LIVE HERE" for awhile, but they kept coming back.  Now I just throw their mail in the garbage.  I assume it's garbage and not important if they are sending it to an address they haven't lived at for 8+ years.

Just this week, got 2 pieces of mail for the former owner who moved out 10 years ago...
I still get mail for the previous owner.  Most is junk advertising.  But I check it because sometime there is good stuff there.  Last week I got a $5 Starbucks gift card from a local painter.  It may be a year before I spend it but I am glad I didn't just throw it out.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 20, 2014, 12:55:44 PM
You get so little mail that it regularly takes a day or two for the mailman to realize you have a netflix movie that needs picked up, but you don't care enough to take it to the post office

I don't do netflix but I think my mailman feels bad for me.  He keeps giving me mail meant for my neighbors.

You may have the same mailman as me.  I get all kinds of mail for neighbors and people who longer live at my house.

When I got home from work, after posting this, my neighbors mail was in my mailbox.  The coincidence almost blew my mind until I realized I had like a 25% chance of that happening.

I also get mail for people that lived in my house over 8 years ago.  8 Fucking years ago and they still deliver mail.  I wrote "RETURN TO SENDER - DOES NOT LIVE HERE" for awhile, but they kept coming back.  Now I just throw their mail in the garbage.  I assume it's garbage and not important if they are sending it to an address they haven't lived at for 8+ years.

Just this week, got 2 pieces of mail for the former owner who moved out 10 years ago...
I still get mail for the previous owner.  Most is junk advertising.  But I check it because sometime there is good stuff there.  Last week I got a $5 Starbucks gift card from a local painter.  It may be a year before I spend it but I am glad I didn't just throw it out.
Just letting you know, but it is a felony to open someone else's mail.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on September 20, 2014, 05:48:17 PM
Just letting you know, but it is a felony to open someone else's mail.

But burning it's cool, and might even be legal. :-)

I was going to post about that guy who apparently heated his house an entire winter with just junk mail, but it might be an urban legend. Also, there are apparently ways to make a 'paper' log our of junk mail or whatever that burn pretty well. Also coffee ground logs...I went down a bit of a rabbit hole on that one. :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: LeboLebo on September 21, 2014, 12:56:44 AM
I graduated debt free with my MBA just last month, and when my SO asked what I would like for a graduation present I couldn't think of anything :(
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on September 21, 2014, 01:44:11 AM
Just letting you know, but it is a felony to open someone else's mail.

But burning it's cool, and might even be legal. :-)

I was going to post about that guy who apparently heated his house an entire winter with just junk mail, but it might be an urban legend. Also, there are apparently ways to make a 'paper' log our of junk mail or whatever that burn pretty well. Also coffee ground logs...I went down a bit of a rabbit hole on that one. :-)
I wouldnt recommend burning the junk mail in your house. You dont know what poisenous things are in the ink.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on September 21, 2014, 06:52:58 AM
Just letting you know, but it is a felony to open someone else's mail.

But burning it's cool, and might even be legal. :-)

I was going to post about that guy who apparently heated his house an entire winter with just junk mail, but it might be an urban legend. Also, there are apparently ways to make a 'paper' log our of junk mail or whatever that burn pretty well. Also coffee ground logs...I went down a bit of a rabbit hole on that one. :-)
I wouldnt recommend burning the junk mail in your house. You dont know what poisenous things are in the ink.
Not sure about the ink thing,...but if you end up burning plastic cards, that can be toxic. Of course, it's pretty easy to tell whether there's a plastic card inside a closed envelope or not.
Title: Re: Mustachian People Problems (just for fun)
Post by: m8547 on September 22, 2014, 08:29:52 PM
You can take care of the junk mail problem with Paper Karma. It's an app you use to take a picture of the offending mail, put in the address it was sent to, and they will try to unsubscribe you. For my last apartment I had 8 unique names for people that used to live at my address. For my current place I have three unique names even though the previous tenants lived here for five years. It has reduced the amount of junk mail I get.

You can also opt out of bulk mail, like flyers and coupons here: https://www.dmachoice.org/EDDM/

You can opt out of even more through the regular procedure on DMA Choice. I haven't used DMA Choice because I don't really want to give them my information, even though they probably already have it.

You can opt out of credit card offers at optoutprescreen.com. It only lasts 5 years unless you print out a form and mail it in. You can only do it for yourself since you need the SSN that goes with the name. It works fairly well, except that I got a credit card offer today.

As a rule, you can probably recycle anything that's sent Presort Standard without even opening it. Most of the time anything important is sent first class.
Title: Re: Mustachian People Problems (just for fun)
Post by: eyePod on September 23, 2014, 11:52:45 AM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).

https://gamecenter.nhl.com/nhlgc/secure/gclsignup

It's $160 one time instead of $660 for the year. Can't watch in market games but that's it. Might be a good option for your husband.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on September 26, 2014, 10:04:04 AM
After next year, Chase is going to stop giving you a 10% bonus on your credit card rewards for having a chase checking account. It's a small thing but the problem is you can't complain to anyone because no one else cares.

Actually the worst part is the intro, where instead of just being like, yeah, we're cutting a benefit, they say they are making changes to the program "to meet the evolving needs of our customers."

Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on October 08, 2014, 06:43:16 PM
I'm trying to measure my miles per gallon of my car by recording the odometer in between gas fillups and looking at the receipt for gallons filled. The problem is, I drive so infrequently that I still don't have a mpg reading yet (I would actually, but I didn't write down the odometer reading on fillup before my last up).
Title: Re: Mustachian People Problems (just for fun)
Post by: VirginiaBob on October 08, 2014, 07:18:58 PM
Stuck paying for the mandatory $26/mo city trash pickup bill, but only fill up the trash can once per month.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on October 09, 2014, 09:33:10 AM
You have to drive your car because you haven't driven it in three weeks and you know from experience that if you leave it too long the gas turns to jelly.
Title: Re: Mustachian People Problems (just for fun)
Post by: Shropskr on October 09, 2014, 10:43:39 AM
Your kinda happy when you accidentally killed you stick blender because now you have an answer to "what do you want for Christmas".

As to what happened to the poor blender don't cook when your on week two of a migraine.  Decision making becomes very poor, but it was fun watching the spin cycle on the washer.  Lol.  ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on October 09, 2014, 10:45:55 AM
I always feel like people are judging me at the supermarket because I go through the line with just a few items of processed/branded food. It's because I buy all my staples and produce at the local Mexican produce market or Aldi.

Similarly, when someone asks for my Amazon wish list and there are no books on it. It looks like I don't read at all, when it's just that I get all my books from the library.

Just the cucumber, diapers, and condoms for me, thanks!
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on October 09, 2014, 11:47:07 AM
I always feel like people are judging me at the supermarket because I go through the line with just a few items of processed/branded food. It's because I buy all my staples and produce at the local Mexican produce market or Aldi.

Similarly, when someone asks for my Amazon wish list and there are no books on it. It looks like I don't read at all, when it's just that I get all my books from the library.

I don't know if you have Amazon Prime (I'm a student so I've currently got it for free) but they now have the No Rush Shipping (where you purposely choose slow shipping even though you have prime) which gives you books/eBooks credit instead of video credit like they used to. So much more useful!
Title: Re: Mustachian People Problems (just for fun)
Post by: Louis the Cat on October 09, 2014, 01:45:13 PM
Stuck paying for the mandatory $26/mo city trash pickup bill, but only fill up the trash can once per month.

For us, it's that all the trash companies here pick up trash weekly but recycling bi-weekly. We don't even put the trash out on the non-recycling weeks because it takes us several weeks to fill it up but the recycling is always overflowing by recycling day.
Title: Re: Mustachian People Problems (just for fun)
Post by: econberkeley on October 10, 2014, 06:27:00 AM
My last job was couple of blocks from the mall. My work group had a group lunch at the mall. Weather was so nice outside so i decided to walk to the mall. Finding parking is a hassle anyway. I asked everyone to join me. They could not believe i wanted to walk to the mall. The funny thing is the location is very upscale and safe. Anyway, rest of the group went downstairs, get into the parking elevator, get up to the 6 th floor and got into their huge suvs to drive 2 blocks and probably circle many times to find parking. As i expected, i was the first person to arrive:)
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on October 10, 2014, 07:00:53 AM
I always feel like people are judging me at the supermarket because I go through the line with just a few items of processed/branded food. It's because I buy all my staples and produce at the local Mexican produce market or Aldi.

Similarly, when someone asks for my Amazon wish list and there are no books on it. It looks like I don't read at all, when it's just that I get all my books from the library.

Just the cucumber, diapers, and condoms for me, thanks!

I'll just leave this here...
http://xkcd.com/236/
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on October 10, 2014, 07:51:18 AM
I always feel like people are judging me at the supermarket because I go through the line with just a few items of processed/branded food. It's because I buy all my staples and produce at the local Mexican produce market or Aldi.

Or going through the checkout at Costco with only a few food items (that will get eaten or frozen, not wasted) in the cart.  When I see someone else there with < 6 items, we usually exchange grins. Maybe we do need the mustache signal, although finger across upper lip may look pretty silly for two middle-aged women.   Even sillier if the second has no idea what the first is doing.

Costco needs a fast checkout lane like my grocery store has.
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on October 10, 2014, 08:33:47 AM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).

https://gamecenter.nhl.com/nhlgc/secure/gclsignup

It's $160 one time instead of $660 for the year. Can't watch in market games but that's it. Might be a good option for your husband.

I see your GameCenter and raise you Hockeystreams.com.  This is a Dutch website and $110 for the year gets you ALL the games including local, national, and the playoffs--hell, he can even watch minor and European leagues if he wants.  The games are often in high-def too.  I heard about it a couple of years ago, took it up last year when it was offering a playoff package--and fired DirecTV immediately.   
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on October 10, 2014, 08:37:22 AM
I always feel like people are judging me at the supermarket because I go through the line with just a few items of processed/branded food. It's because I buy all my staples and produce at the local Mexican produce market or Aldi.

Or going through the checkout at Costco with only a few food items (that will get eaten or frozen, not wasted) in the cart.  When I see someone else there with < 6 items, we usually exchange grins. Maybe we do need the mustache signal, although finger across upper lip may look pretty silly for two middle-aged women.   Even sillier if the second has no idea what the first is doing.

Costco needs a fast checkout lane like my grocery store has.

My boyfriend and I have come up with a pretty good solution, since we also tend to get two things at a time from Costco - as soon as we walk in he parks himself in line while I go get our stuff. By the time I make it back, it's our turn. Efficiency!
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on October 10, 2014, 08:42:52 AM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).

https://gamecenter.nhl.com/nhlgc/secure/gclsignup

It's $160 one time instead of $660 for the year. Can't watch in market games but that's it. Might be a good option for your husband.

I see your GameCenter and raise you Hockeystreams.com.  This is a Dutch website and $110 for the year gets you ALL the games including local, national, and the playoffs--hell, he can even watch minor and European leagues if he wants.  The games are often in high-def too.  I heard about it a couple of years ago, took it up last year when it was offering a playoff package--and fired DirecTV immediately.

In a single moment you both made my day and ruined it.  They are not accepting new members at this time.  I requested an invite but who knows how long that will take.  :(
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on October 10, 2014, 09:21:41 AM
I always feel like people are judging me at the supermarket because I go through the line with just a few items of processed/branded food. It's because I buy all my staples and produce at the local Mexican produce market or Aldi.

Or going through the checkout at Costco with only a few food items (that will get eaten or frozen, not wasted) in the cart.  When I see someone else there with < 6 items, we usually exchange grins. Maybe we do need the mustache signal, although finger across upper lip may look pretty silly for two middle-aged women.   Even sillier if the second has no idea what the first is doing.

Costco needs a fast checkout lane like my grocery store has.

My boyfriend and I have come up with a pretty good solution, since we also tend to get two things at a time from Costco - as soon as we walk in he parks himself in line while I go get our stuff. By the time I make it back, it's our turn. Efficiency!

But what about the free sample buffet???
Title: Re: Mustachian People Problems (just for fun)
Post by: daymare on October 10, 2014, 09:32:55 AM
I've recently started tracking all of our expenses on a personal googledoc spreadsheet - I actually really enjoy this.  I've been using Mint for many years, but this is cleaner (don't need to gray out the CC payments, transfers, and other non-purchases).  The only problem is that we've gotten so good at spending consciously that there isn't much to keep track of :(
Title: Re: Mustachian People Problems (just for fun)
Post by: FunkyStickman on October 10, 2014, 09:37:22 AM
Mustachian problems:

Credit card company drops *you* because you haven't used the card in years

Kids look at a new expandable video game, and say "they're just trying to get you to buy more stuff"

Window trim on your car shrivels up in the sun because it hasn't moved in months

Wife says "We need a new refrigerator, do we have the money?" when we have $12K sitting in our bank account just for emergencies

Someone gives you a 48" TV, which (predictably) gets broken a year later, and you don't bother replacing it

You start bringing electrical junk to work and leaving it there, because the local dump won't take it and nobody wants it

Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of

I'm sure I have more if I think about it...
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on October 10, 2014, 09:48:42 AM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on October 10, 2014, 10:08:55 AM

But what about the free sample buffet???

We're both vegans, so they very rarely have anything we'd eat anyways.
Title: Re: Mustachian People Problems (just for fun)
Post by: jawnzee on October 10, 2014, 10:19:11 AM
your last paycheck was just enough to cover expenses...



...because you're contributing 80% to your 401k for the rest of the year to reach the contribution limit

:D
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on October 10, 2014, 12:53:42 PM
I see your GameCenter and raise you Hockeystreams.com.  This is a Dutch website and $110 for the year gets you ALL the games including local, national, and the playoffs--hell, he can even watch minor and European leagues if he wants.  The games are often in high-def too.  I heard about it a couple of years ago, took it up last year when it was offering a playoff package--and fired DirecTV immediately.

In a single moment you both made my day and ruined it.  They are not accepting new members at this time.  I requested an invite but who knows how long that will take.  :(

If I remember correctly it only took a couple of days to get my invite.  Have faith, my fellow Mustachian hockey fan!
Title: Re: Mustachian People Problems (just for fun)
Post by: VirginiaBob on October 10, 2014, 01:32:17 PM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).

https://gamecenter.nhl.com/nhlgc/secure/gclsignup

It's $160 one time instead of $660 for the year. Can't watch in market games but that's it. Might be a good option for your husband.

I see your GameCenter and raise you Hockeystreams.com.  This is a Dutch website and $110 for the year gets you ALL the games including local, national, and the playoffs--hell, he can even watch minor and European leagues if he wants.  The games are often in high-def too.  I heard about it a couple of years ago, took it up last year when it was offering a playoff package--and fired DirecTV immediately.

+1 for hockeystreams - been using them for years through the roku.  Potentially not legal, but really no other choice since so many games blacked out on game center.
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on October 10, 2014, 02:43:25 PM
We cancelled cable three months ago.  We only had basic cable and it cost $55/month.  It seemed like too much money to be paying.  But anyway, we kept our TV.  It was one that my husband got for free because someone in his old apartament building had upgraded to a flat screen. 

Maybe I would be interested in upgrading my TV technology if I actually watched the thing.  On the other hand, I am not willing to get rid of something that works but is not the latest and greatest.  (We'll see what happens when hockey season starts, my husband may not be able to resist getting cable again).

https://gamecenter.nhl.com/nhlgc/secure/gclsignup

It's $160 one time instead of $660 for the year. Can't watch in market games but that's it. Might be a good option for your husband.

I see your GameCenter and raise you Hockeystreams.com.  This is a Dutch website and $110 for the year gets you ALL the games including local, national, and the playoffs--hell, he can even watch minor and European leagues if he wants.  The games are often in high-def too.  I heard about it a couple of years ago, took it up last year when it was offering a playoff package--and fired DirecTV immediately.

+1 for hockeystreams - been using them for years through the roku.  Potentially not legal, but really no other choice since so many games blacked out on game center.

Per Hockeystreams the Netherlands is out of the NHL's legal jurisdiction so therefore not bound to its copyright.  I'm sure the NHL is aware of its existence considering it's been around for at least five years, and Dog knows Bettman would have come down with an iron fist if he were able.  Another bonus is that HS has excellent customer service.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on October 10, 2014, 02:52:55 PM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.

Are these really problems though? My mustachian bonus is that on the rare occasions I go to eat fast food, there's ten new restaurants and a ton of different new items to try!
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on October 10, 2014, 03:55:13 PM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.

Whoa!  That's totally it.   When we have visitors to our home (suburbs), or new employee at work  (downtown), they ask where to go to eat that's good.   I have to tell them that I have no idea.    Either the couple of restaurants we have tried nearby (out of more than 50 in a 3 mile radius) have been less tasty than what I make, or we just don't go out very much at all.   We have lived / worked in these areas for 5 years now too.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on October 10, 2014, 03:59:33 PM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.

Whoa!  That's totally it.   When we have visitors to our home (suburbs), or new employee at work  (downtown), they ask where to go to eat that's good.   I have to tell them that I have no idea.    Either the couple of restaurants we have tried nearby (out of more than 50 in a 3 mile radius) have been less tasty than what I make, or we just don't go out very much at all.   We have lived / worked in these areas for 5 years now too.

Ah, okay, I can see that being a problem. I guess I get that at work too.
Title: Re: Mustachian People Problems (just for fun)
Post by: seanc0x0 on October 10, 2014, 06:41:08 PM

Yeah I'm with you on that one.  I'm paying about $53 for city services and hardly using anything.

Only $3.20 for water (2 units of 1000 gallons per month) but an $8.87/month meter charge and $24.17 sewer charge.  IMHO, they should base your sewer charge on how much water you use.  Obviously I'm producing hardly any sewage if I'm only pulling 2 units of water a month!  Another $15.07 for trash, even though I too doubt I even completely fill up one trash can per month.  I think I have more recycling than I do trash, and the city actually makes a profit on their recycling program.  The last little remainder is tax.  Whatever, though.  I guess it's better than living off grid where you bear the burden of all the costs, and it would cost a lot more than $53/month.

They charge sewage for exactly the same as your water usage here. I always figured that wasn't quite fair as I use a good portion of my water to water my garden, which never makes it back to the sewer. However, if they're doing that kind of accounting where you are, maybe it's not so bad! 
Title: Re: Mustachian People Problems (just for fun)
Post by: Metta on October 10, 2014, 07:08:22 PM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.

Whoa!  That's totally it.   When we have visitors to our home (suburbs), or new employee at work  (downtown), they ask where to go to eat that's good.   I have to tell them that I have no idea.    Either the couple of restaurants we have tried nearby (out of more than 50 in a 3 mile radius) have been less tasty than what I make, or we just don't go out very much at all.   We have lived / worked in these areas for 5 years now too.

We have the same issue with the added problem of being vegan. So we go out to eat 4-6 times a year for special occasions and when we go we choose restaurants that will serve us vegan dishes (a rarity here). Since I don't go to most restaurants, they are really not top of my consciousness. I have no idea what advice to give visitors.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on October 11, 2014, 05:46:55 AM
Per Hockeystreams the Netherlands is out of the NHL's legal jurisdiction so therefore not bound to its copyright.  I'm sure the NHL is aware of its existence considering it's been around for at least five years, and Dog knows Bettman would have come down with an iron fist if he were able.  Another bonus is that HS has excellent customer service.
No, it is illegal (if they dont have a licence) under current system and it is possibly to enforce that. Bern convention &Co.
(Ever heard of pirate Bay? Was (under swedish law) illegaly seized bc RIAA in USA made political pressure.)


Quote
IMHO, they should base your sewer charge on how much water you use
Unfortunately the sewer costs a lot to build and maintain 8which is where most of your money goes to), and that is quite independend from your usage. In fact, a lower usage can mean more costs because the system has to be artificially "flooded" more often to prevent a clog up.
Same principle goes for waste disposal. The truck drives thriough your street, if you have waste or not.
Title: Re: Mustachian People Problems (just for fun)
Post by: tmac on October 11, 2014, 10:09:54 AM
I went out this morning to get some half-priced, day-old challah for my son's birthday French toast and I picked up some half-priced pastries as well. We never have store bought sweets, so it'll be a nice treat, I thought. Nope. The kids won't eat more than a bite. They're too sweet.
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on October 11, 2014, 06:32:57 PM
Per Hockeystreams the Netherlands is out of the NHL's legal jurisdiction so therefore not bound to its copyright.  I'm sure the NHL is aware of its existence considering it's been around for at least five years, and Dog knows Bettman would have come down with an iron fist if he were able.  Another bonus is that HS has excellent customer service.
No, it is illegal (if they dont have a licence) under current system and it is possibly to enforce that. Bern convention &Co.
(Ever heard of pirate Bay? Was (under swedish law) illegaly seized bc RIAA in USA made political pressure.)

Trust me, if Gary Bettman could shut it down he would have done so long ago WITH AUTHORITY.  He hasn't.


Title: Re: Mustachian People Problems (just for fun)
Post by: VirginiaBob on October 11, 2014, 07:34:25 PM
Per Hockeystreams the Netherlands is out of the NHL's legal jurisdiction so therefore not bound to its copyright.  I'm sure the NHL is aware of its existence considering it's been around for at least five years, and Dog knows Bettman would have come down with an iron fist if he were able.  Another bonus is that HS has excellent customer service.
No, it is illegal (if they dont have a licence) under current system and it is possibly to enforce that. Bern convention &Co.
(Ever heard of pirate Bay? Was (under swedish law) illegaly seized bc RIAA in USA made political pressure.)

Trust me, if Gary Bettman could shut it down he would have done so long ago WITH AUTHORITY.  He hasn't.

Agreed - but as a customer, you aren't doing anything illegal. It is not the responsibility of the customer to verify that every entity they purchase goods from is operating within the law. 
Title: Re: Mustachian People Problems (just for fun)
Post by: flamingo25 on October 11, 2014, 08:33:57 PM
-You have to use your dryer to make sure the perfectly good (and cute) hat you found on the side of the road is bedbug-free.

-Your towels are crunchy from said non-use of dryer

-Your boss seems bewildered when you don't freak out about your paycheck being one day late.

-Your mortgage lender says you are "boring" b/c you have a lot of cash and no debt.

-Not a problem: Your coworker offers to buy you lunch b/c she thinks you have financial problems due to an old car and shopping at thrift stores.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on October 13, 2014, 06:46:09 AM
I see your GameCenter and raise you Hockeystreams.com.  This is a Dutch website and $110 for the year gets you ALL the games including local, national, and the playoffs--hell, he can even watch minor and European leagues if he wants.  The games are often in high-def too.  I heard about it a couple of years ago, took it up last year when it was offering a playoff package--and fired DirecTV immediately.

In a single moment you both made my day and ruined it.  They are not accepting new members at this time.  I requested an invite but who knows how long that will take.  :(

If I remember correctly it only took a couple of days to get my invite.  Have faith, my fellow Mustachian hockey fan!

Indeed, my invite came in less than a day.  Signed up and watch a game already.  So awesome! 
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on October 13, 2014, 08:52:58 AM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.

For some reason, the people around here go nuts for a new fast food franchise, even if it's selling the same kind of food that's been available for years.

There's a Popeye's Chicken that just opened in my part of the city and there's been a drive-thru line wrapped around the building for months. Meanwhile, you can go to any of a dozen awesome soul food restaurants and get better fried chicken for the same price and no wait.

Now I hear a Sonic is coming. It's going to be the end of the world.
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on October 13, 2014, 10:02:23 AM
Every time you stop in a fast food place, there's like 10 new things on the menu you've never heard of
My Mustachian problem is that there are like 10 new fast food restaurants nearby that I was unaware of.

For some reason, the people around here go nuts for a new fast food franchise, even if it's selling the same kind of food that's been available for years.

There's a Popeye's Chicken that just opened in my part of the city and there's been a drive-thru line wrapped around the building for months. Meanwhile, you can go to any of a dozen awesome soul food restaurants and get better fried chicken for the same price and no wait.

Now I hear a Sonic is coming. It's going to be the end of the world.

A few years ago they put in a sonic near my work.  The line went in to an adjacent shopping mall parking lot and people were waiting 4+ hours for the food.  There is no restaurant that I will wait 1 hour for, let alone 4. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Jack on October 13, 2014, 12:19:43 PM

Yeah I'm with you on that one.  I'm paying about $53 for city services and hardly using anything.

Only $3.20 for water (2 units of 1000 gallons per month) but an $8.87/month meter charge and $24.17 sewer charge.  IMHO, they should base your sewer charge on how much water you use.  Obviously I'm producing hardly any sewage if I'm only pulling 2 units of water a month!  Another $15.07 for trash, even though I too doubt I even completely fill up one trash can per month.  I think I have more recycling than I do trash, and the city actually makes a profit on their recycling program.  The last little remainder is tax.  Whatever, though.  I guess it's better than living off grid where you bear the burden of all the costs, and it would cost a lot more than $53/month.

They charge sewage for exactly the same as your water usage here. I always figured that wasn't quite fair as I use a good portion of my water to water my garden, which never makes it back to the sewer. However, if they're doing that kind of accounting where you are, maybe it's not so bad!
I think the norm is to base your sewage usage off of the water you use around February. That way it should be primarily indoor usage that actually goes through the sewers. This is hurting me this year because we had our roommate move out in February and our sewer usage is based of his daily extra long showers, our water usage has dropped about in half. It was even lower for September after we had new sprinklers installed and planted new seed that we watered 3 times a day for almost an hour each (15 minutes each for four different "zones") than when he lived here

In Atlanta, the city measures how much water we use each month and bills us for the same amount of sewer usage. (You can get a separate irrigation meter, but it's expensive enough that only people who live in mansions with big yards bother.) Because our water system was so mismanaged (thanks, former Mayor Bill Campbell, you goddamn crook (https://en.wikipedia.org/wiki/Bill_Campbell_(mayor)#Tax_Evasion_Conviction)!) we have approximately the most expensive water in the entire country: I use 3 CCFs / month (about 2200 gallons) and pay $50/month for it.

And then I pay about $550/year ($45/month!!!!) for trash and recycling pick up even though I don't even generate enough trash to make it worth dragging the can to the curb half the time.

For some reason, the people around here go nuts for a new fast food franchise, even if it's selling the same kind of food that's been available for years.

They've recently opened a place called "Cook-Out" around here. The line for the drive-thru is wrapped around the building almost all the time, but if you can actually be bothered to walk into the building you can get your food in 5 minutes or so.

(It's actually not bad, for fast food: they have a $5 combo that includes an entree, 2 sides and a drink where the "sides" include things that would be considered "entrees" elsewhere (e.g. quesadillas and corn dogs) and an ice cream float counts as the drink.)
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on October 13, 2014, 05:37:49 PM
Quote
For some reason, the people around here go nuts for a new fast food franchise, even if it's selling the same kind of food that's been available for years.

There's a Popeye's Chicken that just opened in my part of the city and there's been a drive-thru line wrapped around the building for months. Meanwhile, you can go to any of a dozen awesome soul food restaurants and get better fried chicken for the same price and no wait.
Don't get me wrong, I understand what you're saying but dang Popeye's chicken (Spicy) and red/beans/rice is awesome! Close second is churches. I had a local non franchise place that put the smack down but closed recently.

Quote
They've recently opened a place called "Cook-Out" around here. The line for the drive-thru is wrapped around the building almost all the time, but if you can actually be bothered to walk into the building you can get your food in 5 minutes or so.

(It's actually not bad, for fast food: they have a $5 combo that includes an entrée, 2 sides and a drink where the "sides" include things that would be considered "entrees" elsewhere (e.g. quesadillas and corn dogs) and an ice cream float counts as the drink.)
These guys are on to something but I would cook everything on outdoor grills. In my head it reminds me of Guam, they have a Island BBQ down town every Wednesday and it had awesome BBQ. Look up Finadene Sauce, it's the bomb!
Title: Re: Mustachian People Problems (just for fun)
Post by: Zikoris on October 13, 2014, 06:52:03 PM
My boyfriend's parents always think we're struggling terribly financially because we live in a studio suite and don't have a car or any sort of status symbols. This leads to some awkward conversations -  "Can you afford to pay rent this month?" "Do you have any food?"

They know how much we make and spend, but it doesn't click for some reason.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on October 13, 2014, 06:58:00 PM
There is no restaurant that I will wait 1 hour for, let alone 4.

For dinner, I usually get annoyed if we're seated right away. I feel rushed. I prefer to grab and drink and spend some time talking and getting hungry, so I tend to prefer a 30 minute (or so) wait.

Why don't you just go 30 minutes before your reservation?  Or tell them you are going to the bar and will be back in 30, so put your name at the top of the list?
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on October 15, 2014, 02:05:02 PM
Our 401k system at work does not allow us to enter a dollar amount, just a (whole number) percentage of salary.  Since I'm a perfectionist who likes to land the plane at the federal max pre-tax contribution or just over, this requires some delicate ongoing adjustments as we head into the last months of the year.

Additional problem that I'm pleased to have - I realized today that my mid year correction meant that I was coming in too hot and had to dial back the percentage.  That little bonus will be funneled into the taxable accounts.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on October 15, 2014, 02:24:27 PM
Our 401k system at work does not allow us to enter a dollar amount, just a (whole number) percentage of salary.  Since I'm a perfectionist who likes to land the plane at the federal max pre-tax contribution or just over, this requires some delicate ongoing adjustments as we head into the last months of the year.

Additional problem that I'm pleased to have - I realized today that my mid year correction meant that I was coming in too hot and had to dial back the percentage.  That little bonus will be funneled into the taxable accounts.

OCD people problems.  Just choose a percentage that gets your there by, say, November and don't worry about December.
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on October 15, 2014, 02:56:41 PM
Our 401k system at work does not allow us to enter a dollar amount, just a (whole number) percentage of salary.  Since I'm a perfectionist who likes to land the plane at the federal max pre-tax contribution or just over, this requires some delicate ongoing adjustments as we head into the last months of the year.

Additional problem that I'm pleased to have - I realized today that my mid year correction meant that I was coming in too hot and had to dial back the percentage.  That little bonus will be funneled into the taxable accounts.

OCD people problems.  Just choose a percentage that gets your there by, say, November and don't worry about December.

The way our plan is designed, it would mean losing out on the company match.  I had suspected it based on documentation and the plan administrators confirmed that :(
Title: Re: Mustachian People Problems (just for fun)
Post by: marty998 on October 15, 2014, 02:57:24 PM
Our 401k system at work does not allow us to enter a dollar amount, just a (whole number) percentage of salary.  Since I'm a perfectionist who likes to land the plane at the federal max pre-tax contribution or just over, this requires some delicate ongoing adjustments as we head into the last months of the year.

Additional problem that I'm pleased to have - I realized today that my mid year correction meant that I was coming in too hot and had to dial back the percentage.  That little bonus will be funneled into the taxable accounts.

OCD people problems.  Just choose a percentage that gets your there by, say, November and don't worry about December.

I wanted to put an extra $200 a fortnight into my super/retirement account. Was able to specify $5218 a year but they end up chucking in a few extra cents each time because there's not quite 52.18 weeks in a year.

Proof again that everything you learn in school is wrong.
Title: Re: Mustachian People Problems (just for fun)
Post by: Pooperman on October 15, 2014, 04:36:32 PM
I do not make enough to be able to max my retirement accounts, even being frugal. I'm about 10k short. :(
Title: Re: Mustachian People Problems (just for fun)
Post by: galliver on October 15, 2014, 04:46:46 PM
When you put off errands because you have to use a *car* and it's such a *hassle*. Driving. And traffic. And parking...I'd rather take the bus. If I can't bike, of course.

[happened about 2 weeks ago]
Title: Re: Mustachian People Problems (just for fun)
Post by: DDrake on October 15, 2014, 08:44:28 PM
Maybe already said, but I had both of these realizations this week...

1. You pay more in taxes than your annual spending.
2. You have to constantly turn down unsolicited job offers. 


It seems like the system constantly wants to try and suck you back in....


Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on October 16, 2014, 12:20:07 PM
The way our plan is designed, it would mean losing out on the company match.  I had suspected it based on documentation and the plan administrators confirmed that :(

Same here. I was going to max it out well before year end but then I lose like $450-500. No thanks, I can go through a few minutes of recalculating contribution to get five hunnert bucks.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on October 16, 2014, 12:44:38 PM
Maybe already said, but I had both of these realizations this week...

1. You pay more in taxes than your annual spending.
2. You have to constantly turn down unsolicited job offers. 


It seems like the system constantly wants to try and suck you back in....

(http://deadhomersociety.files.wordpress.com/2012/03/youonlymovetwice8.png)

What's wrong with this country? Can't a man walk down the street without being offered a job?
Title: Re: Mustachian People Problems (just for fun)
Post by: RelaxedGal on October 16, 2014, 01:57:49 PM
The way our plan is designed, it would mean losing out on the company match.  I had suspected it based on documentation and the plan administrators confirmed that :(

Same here. I was going to max it out well before year end but then I lose like $450-500. No thanks, I can go through a few minutes of recalculating contribution to get five hunnert bucks.

Ditto.  For next year I'm hoping to only adjust it after my review/raise in January and coast along without a pesky surprise bonus or promotion or decision to switch to traditional from Roth 401k.
Title: Re: Mustachian People Problems (just for fun)
Post by: secondcor521 on October 16, 2014, 11:56:36 PM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.
Title: Re: Mustachian People Problems (just for fun)
Post by: aetherie on October 17, 2014, 06:09:59 AM
I'm sure someone's mentioned this one already, but it happened to me yesterday:
Pulled up to the gas pump; tank turned out to be on the passenger side. Had to do an awkward turn-around-and-back-in thing. Next month I will remember...
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on October 17, 2014, 07:54:07 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.
Title: Re: Mustachian People Problems (just for fun)
Post by: Pooperman on October 17, 2014, 07:59:41 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.

If your salary changes during the year, it can mess with your % if you're trying to front-load as much as possible.
Title: Re: Mustachian People Problems (just for fun)
Post by: merula on October 17, 2014, 08:23:00 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.

If your salary changes during the year, it can mess with your % if you're trying to front-load as much as possible.

Hypothetical: $60,000 salary Jan-June, $65,000 salary July-Dec, contributions in whole percentage points 1-75%, match requires contributions in each twice-a-month pay period. $17,500/$60,000 = 0.29166. Contributions of 29% in pay periods 1-12 would be $725, or $8,700.

Then, when you get your raise, you're looking at contributions of $17,500-$8,700=$8,800 for the rest of the year. $8,800/[$65,000*.5]=0.27076. So you contribute 27% over pay periods 13-23, or $731.25 each, $8,043.75 total. For the last pay period, you've got $17,500-$8,700-$8,043.75=$756.25.

Then, for the last paycheck, set it to the max contribution percentage, but plan rules should max you out at the $756.25. So you've hit the match and max requirements with only 2 contribution changes. (Or 3 if you count going back down to 27% for the first period of the following year.)
Title: Re: Mustachian People Problems (just for fun)
Post by: BooksAreNerdy on October 17, 2014, 09:39:23 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.

If your salary changes during the year, it can mess with your % if you're trying to front-load as much as possible.

Hypothetical: $60,000 salary Jan-June, $65,000 salary July-Dec, contributions in whole percentage points 1-75%, match requires contributions in each twice-a-month pay period. $17,500/$60,000 = 0.29166. Contributions of 29% in pay periods 1-12 would be $725, or $8,700.

Then, when you get your raise, you're looking at contributions of $17,500-$8,700=$8,800 for the rest of the year. $8,800/[$65,000*.5]=0.27076. So you contribute 27% over pay periods 13-23, or $731.25 each, $8,043.75 total. For the last pay period, you've got $17,500-$8,700-$8,043.75=$756.25.

Then, for the last paycheck, set it to the max contribution percentage, but plan rules should max you out at the $756.25. So you've hit the match and max requirements with only 2 contribution changes. (Or 3 if you count going back down to 27% for the first period of the following year.)

I also use these two calcs together to figure out the right % per month. DH gets a bonus in  in march and a raise in august, so we require some tweaking.

http://www.calcxml.com/calculators/qua09?skn=#results
http://www.calcxml.com/calculators/pay02
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on October 17, 2014, 09:40:35 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.

If your salary changes during the year, it can mess with your % if you're trying to front-load as much as possible.

Hypothetical: $60,000 salary Jan-June, $65,000 salary July-Dec, contributions in whole percentage points 1-75%, match requires contributions in each twice-a-month pay period. $17,500/$60,000 = 0.29166. Contributions of 29% in pay periods 1-12 would be $725, or $8,700.

Then, when you get your raise, you're looking at contributions of $17,500-$8,700=$8,800 for the rest of the year. $8,800/[$65,000*.5]=0.27076. So you contribute 27% over pay periods 13-23, or $731.25 each, $8,043.75 total. For the last pay period, you've got $17,500-$8,700-$8,043.75=$756.25.

Then, for the last paycheck, set it to the max contribution percentage, but plan rules should max you out at the $756.25. So you've hit the match and max requirements with only 2 contribution changes. (Or 3 if you count going back down to 27% for the first period of the following year.)

Even more fun, the system can't guarantee when the % change will appear in your paycheck.  Even more fun when you combine that with 2 salary changes and a bonus this year.  If I hit the $17,500 early, then I have to contribute after-tax dollars or I lose out on my free match money from my employer.  We at least have fantastic expense ratio options... but it's an annoying but amusing game to land this plane properly.
Title: Re: Mustachian People Problems (just for fun)
Post by: Pooperman on October 17, 2014, 09:45:29 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.

If your salary changes during the year, it can mess with your % if you're trying to front-load as much as possible.

Hypothetical: $60,000 salary Jan-June, $65,000 salary July-Dec, contributions in whole percentage points 1-75%, match requires contributions in each twice-a-month pay period. $17,500/$60,000 = 0.29166. Contributions of 29% in pay periods 1-12 would be $725, or $8,700.

Then, when you get your raise, you're looking at contributions of $17,500-$8,700=$8,800 for the rest of the year. $8,800/[$65,000*.5]=0.27076. So you contribute 27% over pay periods 13-23, or $731.25 each, $8,043.75 total. For the last pay period, you've got $17,500-$8,700-$8,043.75=$756.25.

Then, for the last paycheck, set it to the max contribution percentage, but plan rules should max you out at the $756.25. So you've hit the match and max requirements with only 2 contribution changes. (Or 3 if you count going back down to 27% for the first period of the following year.)

Even more fun, the system can't guarantee when the % change will appear in your paycheck.  Even more fun when you combine that with 2 salary changes and a bonus this year.  If I hit the $17,500 early, then I have to contribute after-tax dollars or I lose out on my free match money from my employer.  We at least have fantastic expense ratio options... but it's an annoying but amusing game to land this plane properly.

Just asked HR how our plan is set up. I won't be able to max it for a few more years, but I want to know for sure when the time comes. I also want to check if they'll match if I choose to ROTH instead of traditional after a certain point. Waiting on the answer. Some things are what most people don't think about but are super important to mustachians. Missing out on $300/yr because the plan is one way vs another isn't sometime most people would lose sleep over, but that's a month's salary to me over 10 years!
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on October 17, 2014, 10:56:05 AM
I used to work for a large technology company which had the "we-only-match-if-you-contribute-each-pay-period" thing.  Being engineers and being frugal and never one to miss an opportunity to optimize a solution, there were posts on internal message boards about how to contribute X% for the first Y pay periods, then Z% for the next W pay periods to optimize both hitting the IRS max and leave a minimum of employer contributions on the table.  I don't remember all the details, but people spent a great deal of time doing the math.  I think usually one could get to within about $50 of the theoretical best case.

Now I work for a company that trues things up, so I just max out around October or so and get true-up matches the rest of the year.  I like it here better.

I don't understand.  It doesn't seem hard to get it exact and leave nothing on the table.

If your salary changes during the year, it can mess with your % if you're trying to front-load as much as possible.

Hypothetical: $60,000 salary Jan-June, $65,000 salary July-Dec, contributions in whole percentage points 1-75%, match requires contributions in each twice-a-month pay period. $17,500/$60,000 = 0.29166. Contributions of 29% in pay periods 1-12 would be $725, or $8,700.

Then, when you get your raise, you're looking at contributions of $17,500-$8,700=$8,800 for the rest of the year. $8,800/[$65,000*.5]=0.27076. So you contribute 27% over pay periods 13-23, or $731.25 each, $8,043.75 total. For the last pay period, you've got $17,500-$8,700-$8,043.75=$756.25.

Then, for the last paycheck, set it to the max contribution percentage, but plan rules should max you out at the $756.25. So you've hit the match and max requirements with only 2 contribution changes. (Or 3 if you count going back down to 27% for the first period of the following year.)

Even more fun, the system can't guarantee when the % change will appear in your paycheck.  Even more fun when you combine that with 2 salary changes and a bonus this year.  If I hit the $17,500 early, then I have to contribute after-tax dollars or I lose out on my free match money from my employer.  We at least have fantastic expense ratio options... but it's an annoying but amusing game to land this plane properly.

That's ridiculous ... I find it hard to believe the back-end software can't handle a straight dollar amount per paycheck.  Maybe talk to the administrator and double check -- sometimes they just leave the option off the form because it's easier ...
Title: Re: Mustachian People Problems (just for fun)
Post by: NewbieFrugalUK on October 17, 2014, 11:52:20 AM
When you find yourself using the word 'complainypants' in casual conversation with your SIL and she just looks at you funny. Too much reading MMM!
Title: Re: Mustachian People Problems (just for fun)
Post by: Lizzy B. on October 17, 2014, 01:56:02 PM
When you get all excited about making a capsule wardrobe, but then realize you'd need MORE clothes to fill out to 33 pieces for a season.
Title: Re: Mustachian People Problems (just for fun)
Post by: tmac on October 17, 2014, 02:05:32 PM
When you find yourself using the word 'complainypants' in casual conversation with your SIL and she just looks at you funny. Too much reading MMM!

This has entered my daily vocabulary, and I heard my husband say it the other day. Bonus points! :)

When you get all excited about making a capsule wardrobe, but then realize you'd need MORE clothes to fill out to 33 pieces for a season.

Yes! That seems like a LOT of clothes to me.
Title: Re: Mustachian People Problems (just for fun)
Post by: Le Barbu on October 17, 2014, 02:06:37 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

I often say thing like "Oh yeah, you mean THAT girl with some hairs who sing some songs" and everybody laugh because they know I don’t even know who they are talking about.
Title: Re: Mustachian People Problems (just for fun)
Post by: Le Barbu on October 17, 2014, 02:29:38 PM
Nothing to add to conversations among friends and co-workers about the latest TV series.  Don't recognize 80% of the 'stars' populating the tabloids.

I often say thing like "Oh yeah, you mean THAT girl with some hairs who sing some songs" and everybody laugh because they know I have no idea who they are talking about.
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on October 17, 2014, 08:02:49 PM
When you get all excited about making a capsule wardrobe, but then realize you'd need MORE clothes to fill out to 33 pieces for a season.

I was cool with this, until I read "per season"...

You mean, as in your 20's, 30's, etc as a season?
Title: Re: Mustachian People Problems (just for fun)
Post by: livetogive on October 18, 2014, 08:11:25 PM
Still love this thread.   Dodging BMWs and Porsches in rush hour traffic as I fly by them on my bicycle.

Title: Re: Mustachian People Problems (just for fun)
Post by: Wolf_Stache on October 18, 2014, 09:15:41 PM
Still love this thread.   Dodging BMWs and Porsches in rush hour traffic as I fly by them on my bicycle.

Or listening to the people complaining about traffic on the way to work and thinking to yourself - There was traffic? Must not have noticed it as I rode by on my bicycle.

http://bikeyface.com/2013/12/12/traffic-talk/ (http://bikeyface.com/2013/12/12/traffic-talk/)
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on October 18, 2014, 09:33:33 PM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 

.. That is when I know I am overboard....
Title: Re: Mustachian People Problems (just for fun)
Post by: Spiffsome on October 18, 2014, 10:03:49 PM
Goldielocks, I've done the same thing. Bought a French breadstick and some nice cheese and eaten it for dinner, while sitting in a four-star hotel suite on a business trip. I still don't regret it.
Title: Re: Mustachian People Problems (just for fun)
Post by: shelivesthedream on October 19, 2014, 05:00:42 AM
When you get all excited about making a capsule wardrobe, but then realize you'd need MORE clothes to fill out to 33 pieces for a season.

I was cool with this, until I read "per season"...

You mean, as in your 20's, 30's, etc as a season?

Nope. That's Spring, Summer, Autumn and Winter.

However, I don't think 33 pieces is so crazy if you include everything except underwear. It's when people start saying "Oh, but scarves don't count" that I just give up with this capsule wardrobe thing. You still have to buy scarves, store scarves and match scarves to your outfit. They count. Also, it's not that you buy 33 new things every season. You're supposed to carry things on as you transition from season to season, just replace obviously warm-weather things with obvious cold-weather things, or vice versa. Also, next time that season rolls around, you already have your 33 pices in place.

I do say all this as someone who values nice clothes and having outfit choices. My solution is to only buy things in blue, white, red and brown. Everything matches. I also enjoy browsing as an activity in and I itself, rarely as a precusor to actually buying something. If I buy something I am like a ninja - I want exactly X, find exactly (or close enough) X, buy it, done.
Title: Re: Mustachian People Problems (just for fun)
Post by: Jmoody10 on October 19, 2014, 07:22:55 AM
I'm sure someone's mentioned this one already, but it happened to me yesterday:
Pulled up to the gas pump; tank turned out to be on the passenger side. Had to do an awkward turn-around-and-back-in thing. Next month I will remember...
a lot of cars will have a small arrow next to the gas tank symbol or E symbol. The direction of the arrow shows you the side of the car with the tank on it.
Title: Re: Mustachian People Problems (just for fun)
Post by: resy on October 19, 2014, 12:46:20 PM
When you get all excited about making a capsule wardrobe, but then realize you'd need MORE clothes to fill out to 33 pieces for a season.

I was cool with this, until I read "per season"...

You mean, as in your 20's, 30's, etc as a season?

No...per season as in summer, fall, winter, etc.
Check it out! Google project 333
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on October 19, 2014, 03:58:45 PM
I'm sure someone's mentioned this one already, but it happened to me yesterday:
Pulled up to the gas pump; tank turned out to be on the passenger side. Had to do an awkward turn-around-and-back-in thing. Next month I will remember...
a lot of cars will have a small arrow next to the gas tank symbol or E symbol. The direction of the arrow shows you the side of the car with the tank on it.

Also most modern pumps have long enough hoses to reach the " wrong" side of your car
Title: Re: Mustachian People Problems (just for fun)
Post by: Josiecat on October 19, 2014, 05:13:41 PM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.
Title: Re: Mustachian People Problems (just for fun)
Post by: Practical Magic on October 19, 2014, 08:02:02 PM
A friend just told me her coworker is dressing up for Halloween as the Toaster Strudel kid and I had no idea what she meant, since I don't watch TV or eat sugary foods. :)
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on October 19, 2014, 08:05:08 PM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

Good point - but that is my awkward MMM people problem.  I just don't enjoy eating out (alone) all the time.

 I also don't enjoy knowing that some of the company's profits (and my bonus?) are supporting fancy spending accounts either. (even though I could / should just enjoy it too)
Title: Re: Mustachian People Problems (just for fun)
Post by: Runningtuff on October 20, 2014, 02:44:47 AM
I don't want to use my emergency fund for $400 of car repairs because...it wouldn't earn premium interest that month.
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on October 20, 2014, 01:05:51 PM
Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

I feel awkward at such places. When I was flying for work, I had a $50 per diem - I averaged around $20 and that was treating myself really well. I always chose the cheapest convenient hotel when there were options. I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

If I wouldn't pay for it myself, it makes me awkward to have someone else pay for it, especially since I really won't appreciate it - why do I need a nicer hotel? This one has a bed, a shower, a lock on the door, and it's clean. I'm using it to sleep and shower.
Title: Re: Mustachian People Problems (just for fun)
Post by: Jack on October 20, 2014, 03:36:14 PM
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).
Title: Re: Mustachian People Problems (just for fun)
Post by: myrax on October 20, 2014, 06:45:00 PM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on October 20, 2014, 08:16:49 PM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

We get a set per diem for meals and incidentals, so the less I spend, the more I get to pocket at the end of the trip.  So I guess that's a problem that I have - if I'm driving, I bring a big cooler full of food, then I'm all antisocial and don't go out to eat with the group unless there's a compelling reason to be sociable.  Last trip I just popped over to the restaurant after eating and had a beer and chatted instead of dropping $20 on a steak.  Bonus is not feeling bloated and disgusting when I get home.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on October 21, 2014, 01:43:47 AM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
Title: Re: Mustachian People Problems (just for fun)
Post by: shelivesthedream on October 21, 2014, 05:10:58 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.
Title: Re: Mustachian People Problems (just for fun)
Post by: Zaga on October 21, 2014, 06:55:36 AM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.
Title: Re: Mustachian People Problems (just for fun)
Post by: infogoon on October 21, 2014, 08:04:07 AM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.

I think it varies by county. The last time I served on a jury, in 1999, I got $80 a day. My father in law is on a jury right now and his stipend is $40 (which just about covers parking for the day and lunch).
Title: Re: Mustachian People Problems (just for fun)
Post by: livetogive on October 21, 2014, 08:13:17 AM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.

Dude our legal system is beyond broken.  We're the most incarcerated society on the planet which presumably means we have lots of criminal trials,  yet we force our jurors to come in and "pay"  them less than $20 per day u den the laughable guise of civic duty.

I wonder how much the lawyers and judges are making?
Title: Re: Mustachian People Problems (just for fun)
Post by: Zaga on October 21, 2014, 08:38:25 AM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.

I think it varies by county. The last time I served on a jury, in 1999, I got $80 a day. My father in law is on a jury right now and his stipend is $40 (which just about covers parking for the day and lunch).
You're probably right about that.  Where I live there are plenty of free places to park, it's a fairly poor area of the rust belt.  So they pay less than a city would.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rollin on October 21, 2014, 10:55:36 AM
My "People Problems" start with friends that start to describe a TV show with enthusiasm and I just look blank faced.  Then they remember and say, "oh, that's right you don't have TV."

Another is that they will watch the latest movie (e.g., Fury) and want to talk about it in detail.  First, I don't go to the movies at $10 a pop, and second they are way to gory or explicit.  Since I haven't watched many movies over the past 20 years or so I have not become acclimated to the intensity or explicitness.  They really are upsetting when you are not used to seeing such graphic content.  It often concerns me that the public seems immune to it.

Another is that one of my children thinks we are poor because we don't have things like lawn service, or new cars.  Heck, what do you need a lawn service for when you have kids!?  (I sound like my father now :).
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on October 21, 2014, 11:10:47 AM
Breakfasting on an english muffin extravagantly purchased from the bakery salvage store and crunchy peanut butter from another salvage store.  I found the english muffin in the freezer.  Nowadays, I wouldn't go to the bakery salvage store.  If I wanted english muffins, I would find a recipe and make them.  These days the idea that I once spent 99 cents at a used bread store instead of making my own is embarrassing
Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on October 21, 2014, 12:30:30 PM
I bought a bottle of soda because I really wanted one, stuck it in the freezer for a few minutes, forgot about it, and am now sad about the $2 I wasted.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rollin on October 21, 2014, 01:13:16 PM
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.

Sadly, most, if not all, of my family.
Title: Re: Mustachian People Problems (just for fun)
Post by: nyold on October 21, 2014, 01:13:44 PM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

Good point - but that is my awkward MMM people problem.  I just don't enjoy eating out (alone) all the time.

 I also don't enjoy knowing that some of the company's profits (and my bonus?) are supporting fancy spending accounts either. (even though I could / should just enjoy it too)

If I were you I'd also stay at the Hilton when I'm traveling on company dime. The impact to your bonus is so small compared to actual company costs etc so you're not doing anyone any favor by staying frugal. Thing is, when you stay at the Hilton, you get really nice toiletries that can be used for about 5 or so days per bottle. Now THAT is mustachian.

Bonus: sometimes you get slippers or other wrapped amenities that can be ebayed (search ebay for hotel or airplane amenities).
Title: Re: Mustachian People Problems (just for fun)
Post by: myrax on October 21, 2014, 07:12:18 PM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.

I think it varies by county. The last time I served on a jury, in 1999, I got $80 a day. My father in law is on a jury right now and his stipend is $40 (which just about covers parking for the day and lunch).
You're probably right about that.  Where I live there are plenty of free places to park, it's a fairly poor area of the rust belt.  So they pay less than a city would.
I just served in Santa Clara County.  $15/day (free parking)

I think it is $8 or $10 per day for me, and with free parking, but I will bike. I agree the system is very broken. Some employers will still pay when you have jury duty, but usually there is a limit- for me it is 10 days, which I understand is somewhat generous even.
Title: Re: Mustachian People Problems (just for fun)
Post by: vegasdude on October 21, 2014, 10:46:15 PM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

At my former job, our travel credit cards could only be used for certain purchases (usually just hotels and restaurants) but it did work at grocery stores. A colleague did a lot of traveling for the company, and he spent most of his meal allowance buying groceries. He had plenty to eat and brought back lots of food for later, and probably lots of cat food. A lot of hotels give you a fridge, a microwave, a coffee maker, and provide an ok breakfast. This was while the company was cutting the 401k match, suspending any raises, and only giving our boss a $50k bonus. So we didn't feel too guilty about spending our own money in the most efficient way.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on October 22, 2014, 08:36:11 AM
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

Good point - but that is my awkward MMM people problem.  I just don't enjoy eating out (alone) all the time.

 I also don't enjoy knowing that some of the company's profits (and my bonus?) are supporting fancy spending accounts either. (even though I could / should just enjoy it too)

If I were you I'd also stay at the Hilton when I'm traveling on company dime. The impact to your bonus is so small compared to actual company costs etc so you're not doing anyone any favor by staying frugal. Thing is, when you stay at the Hilton, you get really nice toiletries that can be used for about 5 or so days per bottle. Now THAT is mustachian.

Bonus: sometimes you get slippers or other wrapped amenities that can be ebayed (search ebay for hotel or airplane amenities).

A potential problem with staying at the Hilton is that it can lead to urges for lifestyle inflation - once you've experienced a higher standard, sometimes it's hard to go back.
Of course, Mustachians are much better at defeating lifestyle inflation than the general population, as there are plenty of stories on this forum of people doing a 180 with respect to their spending.
Title: Re: Mustachian People Problems (just for fun)
Post by: DollarBill on October 22, 2014, 08:52:17 AM
Just dropped off a trunk full of clothes at Goodwill. I told the woman that I kept most of the good stuff as I pointed to my attire...cut-off shorts and torn shirt.
Title: Re: Mustachian People Problems (just for fun)
Post by: MilwaukeeStubble on October 22, 2014, 09:22:32 AM
I lost my car the other day because it had been so long since I last drove I'd forgotten where I parked.  Took about 15 minutes to find it.

I'm not sure I like what that says about my ability to take care of possessions (losing an $8000 car is hardly mustashian) but I think it definitely counts as a MPP...
Title: Re: Mustachian People Problems (just for fun)
Post by: pdxbator on October 22, 2014, 09:40:08 AM
I lost my car the other day because it had been so long since I last drove I'd forgotten where I parked.  Took about 15 minutes to find it.

I'm not sure I like what that says about my ability to take care of possessions (losing an $8000 car is hardly mustashian) but I think it definitely counts as a MPP...
I sometimes have to just drive my car in order to make sure the battery and what-nots still run. I'm usually on bike or foot.
Title: Re: Mustachian People Problems (just for fun)
Post by: BlueHouse on October 22, 2014, 08:16:15 PM
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.

I think it varies by county. The last time I served on a jury, in 1999, I got $80 a day. My father in law is on a jury right now and his stipend is $40 (which just about covers parking for the day and lunch).
You're probably right about that.  Where I live there are plenty of free places to park, it's a fairly poor area of the rust belt.  So they pay less than a city would.
I just served in Santa Clara County.  $15/day (free parking)

I think it is $8 or $10 per day for me, and with free parking, but I will bike. I agree the system is very broken. Some employers will still pay when you have jury duty, but usually there is a limit- for me it is 10 days, which I understand is somewhat generous even.
Washington DC. March 2014. $4 for 8 hours to learn I wasn't selected.
Title: Re: Mustachian People Problems (just for fun)
Post by: orbix on October 23, 2014, 11:48:11 AM
When you start looking into solar power options and realize that your power bill is so low that you'd basically never break even on the system and installation costs...
Title: Re: Mustachian People Problems (just for fun)
Post by: flamingo25 on October 23, 2014, 06:15:13 PM
I have another one:

I recently contacted our trash company to request a smaller bin or less frequent pick up as we never fill it up, and sometimes go a week without using it all.

Their response: "You already have the smallest waste bin and most infrequent pickup."
Title: Re: Mustachian People Problems (just for fun)
Post by: Louis the Cat on October 31, 2014, 10:02:24 AM
Feeling guilty for driving my 197k mile car that gets 45 miles to the gallon 2 miles to pick up the kiddos from pre-school because the trailer hauling bike needs a repair.
Title: Re: Mustachian People Problems (just for fun)
Post by: dorothyc on October 31, 2014, 10:32:55 AM
I've moved so close to work that my bus ride which used to be 50 minutes is now only 5 minutes, so I don't have time to read my library book on my Kindle during the trip.

I'm working up the fitness to bike the three miles instead, but the route is hilly.
Title: Re: Mustachian People Problems (just for fun)
Post by: RunningWithScissors on October 31, 2014, 10:45:47 AM
Getting ready to leave my job as I approach the FIRE threshold, and realize the only phone I use is my work cell phone.  It'll be a pain to actually pay for phone service, and switch all my contact info to a new number.  Realize this is one of the only things that's keeping me working here.
Title: Re: Mustachian People Problems (just for fun)
Post by: Threshkin on October 31, 2014, 11:08:13 AM
Getting ready to leave my job as I approach the FIRE threshold, and realize the only phone I use is my work cell phone.  It'll be a pain to actually pay for phone service, and switch all my contact info to a new number.  Realize this is one of the only things that's keeping me working here.

+1
I have never had to pay for cell phone service since my very first (satchel) phone.  For the past few years I have had to purchase the phone but the service has always been free.  You should check with your company and/or the carrier rep to see if you can keep the number when you leave.  At my company I can keep the number (and the phone because i bought it).
Title: Re: Mustachian People Problems (just for fun)
Post by: fartface on October 31, 2014, 06:20:22 PM
Having to bet your tongue constantly when people think you drive the car you drive because you cannot afford a new Stupid Useless Vehicle like their new Escalade they are so proudly showing you. 

My tongue gets bit often being of a mustachian mind set!

I drive an eleven year old mini-van with a few rust stains here and there.  My S-I-L, who drives a brand-new F-150 and has a $750+/month car payment, was making fun of my van. We were at her house and I'm playing on the floor w/my baby nephew. She points out the window to my van, and asks when I'm going to replace.

I say, "Not anytime soon. That's my $60,000 van!"

She says: "Wha?"

I said, "Yeah, few years back, me and DH went car shopping for a new vehicle. Found a sweet $35,000 Chrysler Town and Country fully loaded - a real Deal!"

Her: "And?"

Me: "And, after sleeping on it, I say to DH that I think we should keep driving the perfectly good (paid off) mini-van we already own. He agrees and instead of purchasing a new clown car, we start investing the would-be $500/month car payment into stocks and mutual funds."

Mind you, we started investing this 'would-be' car payment in Sept. 2007 (just before the big crash) but continued faithfully investing that $500/month through Sept. 2013.

Today, as you well guessed, that 'car fund' is now worth $60,000+.

Back to my S-I-L. I sigh, glance out the window and say to her, "I guess if I had replaced 'Ole Rusty with that sweet Chrysler back in 2007, then today I'd have....well, I'd have a 7 year old mini-van that's worth about $9000."

"Instead, I have a perfectly sound vehicle with a few rust stains here and there and an investment account I can draw from anytime I want to purchase a reliable 'new' used vehicle down the road."

She was pretty dumbfounded by the math.


Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on October 31, 2014, 06:40:35 PM
Cyclists can receive moving violation tickets against whatever ID they provide..  Just like getting a ticket for open alcohol in public, or jaywalking, or causing a public nuisance, or breaking noise bylaws, etc.

I think that cyclists are not licensed, because they rarely illegally park, rarely hit and run with damages, and rarely cause grevious injuries to others even if cycling without much experience.
Title: Re: Mustachian People Problems (just for fun)
Post by: Pooperman on October 31, 2014, 06:43:22 PM
Talked to a guy at work. He's semimustachianish I guess. House in Brooklyn he plans to own for a long time. 10 year old car. However, we got to talking about saving and retiring and stuff. He asked me what I thought I'd need and I told him 750k. He told me that was too little. I asked him what 4% of 750k was. He did th math and then understood. I said realistically it will be double that. Which is more than enough. I live on 27k/yr for 2 adults in a very high col area.

Problem: people just not understanding the math we take for granted.

Another issue: town we live in is very town-y but also doesn't have any large supermarkets (or any supermarkets). It does, however, have a 9/mo gym in the red center I can walk to from my apartment if so inclined. And library right next to it. And trails by a river. So the only complaint is supermarket is lacking (10 min drive away to the 24hr place).
Title: Re: Mustachian People Problems (just for fun)
Post by: EastCoastMike on October 31, 2014, 08:17:22 PM
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

All I can think about is the 8 extra galloons of gas this beast will waste versus the nice 40mpg economy I wanted.  It also drove like a tank. I feel like I was supposed to be appreciative of the extra headroom or whatever it is that people casually rent SUVs for in the middle of a week in the summer.

I drive a small car and love the handling. Whenever I travel for work, I always request a small car. They always try to upgrade me and I reject it. They look at me puzzled.

I can't stand driving those huge behemoths! I can't park those things. One time my mechanic gave me a huge pickup truck loaner. I was so nervous parking that thing. It took about 10 cuts to get me into a parking spot. Never again!!!

Oddly enough, my company doesn't allow me to rent vehicles below mid-size, so I always end up with some Buick.  I expressed my gratitude and appreciation in the proper places, and now I don't travel.  I like it that way.
Title: Re: Mustachian People Problems (just for fun)
Post by: EconoWiser on November 02, 2014, 03:42:39 AM
I hate shopping for clothes and don't know what the latest fashion styles are.
Title: Re: Mustachian People Problems (just for fun)
Post by: fartface on November 02, 2014, 10:41:39 AM
I hate shopping for clothes and don't know what the latest fashion styles are.

Gawd, me too!

+1
Title: Re: Mustachian People Problems (just for fun)
Post by: BooksAreNerdy on November 02, 2014, 11:03:48 AM
I hate shopping for clothes and don't know what the latest fashion styles are.

+1

We have a used store here callwd Plato's closet that only buys stuff that is super stylin'. I feel sort of safe shopping there because they ha e already selected the trendy for me. All I have to do is match the top part to the bottom part.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on November 02, 2014, 05:48:49 PM
I hate shopping for clothes and don't know what the latest fashion styles are.

+1

We have a used store here callwd Plato's closet that only buys stuff that is super stylin'. I feel sort of safe shopping there because they ha e already selected the trendy for me. All I have to do is match the top part to the bottom part.

We have a plato's closet, and the least trendy things I can find there are still worlds better then what I can put together for myself at a regular retail store, and you can have some killer deals ($10 bag of clothes?  1$ per item clearance days? sign me up!)
Title: Re: Mustachian People Problems (just for fun)
Post by: MoneyCat on November 04, 2014, 03:35:29 PM
Here's a problem I've had since I turned Mustachian:

I now loathe having to go inside the bank to talk with the tellers, because they see the amount in my accounts and start pitching me every loan product under the sun.  The most common one has been a home equity loan.  I know they are just doing their job, but it's really annoying.
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on November 04, 2014, 03:55:00 PM
Here's a problem I've had since I turned Mustachian:

I now loathe having to go inside the bank to talk with the tellers, because they see the amount in my accounts and start pitching me every loan product under the sun.  The most common one has been a home equity loan.  I know they are just doing their job, but it's really annoying.
Why do you go inside banks?!
Title: Re: Mustachian People Problems (just for fun)
Post by: retired? on November 04, 2014, 07:35:21 PM
OSUBear - I don't know if you are joking, but that has certainly occurred to me RE my friends.  I walk to the grocery store, library, etc. why???  Hell, amongst my friends while in my 20s that and biking was quite the indicator of a dui.

My friends are convinced that my recent switch to biking wherever I can is due to a D.U.I.  :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: horsepoor on November 04, 2014, 09:54:10 PM
Right after upping my pre-tax contributions to 40% for the rest of the year, I was just notified that I'd be getting a cash award at some point "in the next couple months" which makes it kind of hard to dial in to my contribution limit.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on November 05, 2014, 07:46:45 AM
Why do you go inside banks?!

I suppose the companion question would be: Why do you have a significant amount of cash sitting in a bank account?  Even an ING Direct account earns 0.75% APY, which is more than any physical bank will pay, and your money is just an ACH away from your traditional bank account.

Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards.  You don't need a loan, you have unused money in your account.  I would think they would try to loan you money if you had a low balance and/or were getting overdraft fees.

My follow up question is: Why are people still dealing with banks instead of credit unions?
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on November 05, 2014, 08:55:17 AM
Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards. 
No, its really streightforward.
A loan means the bank makes money. But also means they have to lose something
Now if that guy has lots of money, the probability for a loss is low.

People with Lots of money are the best targets for loans, they pay them back and dont look at fees and other tiny things!


Or, as my most beloved cynic Oscar Wilde said: A bank is an institution where you can borrow money - if you can prove that you dont need it.
Title: Re: Mustachian People Problems (just for fun)
Post by: 4alpacas on November 05, 2014, 12:09:46 PM
Why do you go inside banks?!

I suppose the companion question would be: Why do you have a significant amount of cash sitting in a bank account?  Even an ING Direct account earns 0.75% APY, which is more than any physical bank will pay, and your money is just an ACH away from your traditional bank account.

Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards.  You don't need a loan, you have unused money in your account.  I would think they would try to loan you money if you had a low balance and/or were getting overdraft fees.

My follow up question is: Why are people still dealing with banks instead of credit unions?

I use a bank because there's a Chase ATM on every second block in NYC, which is super handy for making withdrawals (most merchants in my area don't take credit cards) and deposits (my husband makes a lot of income in cash and checks that I can't get direct deposited). This is not true for any of the local credit unions.

Banks figure that anyone with large cash reserves will have more resources to pay off a loan, I assume.
But you don't have to go inside a bank and deal with a bank teller to do either of those things.  I also deposit physical checks through an app on my phone.
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on November 05, 2014, 12:24:33 PM
Why do you go inside banks?!

I suppose the companion question would be: Why do you have a significant amount of cash sitting in a bank account?  Even an ING Direct account earns 0.75% APY, which is more than any physical bank will pay, and your money is just an ACH away from your traditional bank account.

Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards.  You don't need a loan, you have unused money in your account.  I would think they would try to loan you money if you had a low balance and/or were getting overdraft fees.

My follow up question is: Why are people still dealing with banks instead of credit unions?

I use a bank because there's a Chase ATM on every second block in NYC, which is super handy for making withdrawals (most merchants in my area don't take credit cards) and deposits (my husband makes a lot of income in cash and checks that I can't get direct deposited). This is not true for any of the local credit unions.

Banks figure that anyone with large cash reserves will have more resources to pay off a loan, I assume.

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.

If your husband gets paid in cash though, and you constantly visit ATMS, why don't you just cut the bank out and be your own ATM?

Also how do most merchants not take credit cards? That's unheard of (by me).

Having a large cash reserve negates the entire reason for needing a loan.  You need loans when you don't have the cash.  Maybe next time they ask you (or whoever it was) should educate the bank teller on how money works?
Title: Re: Mustachian People Problems (just for fun)
Post by: MandalayVA on November 05, 2014, 01:30:24 PM

Also how do most merchants not take credit cards? That's unheard of (by me).

Major cities have a LOT of mom and pop stores and restaurants that won't take credit cards.  My husband and I were in Pittsburgh a couple of weeks ago and except for one every restaurant was cash only.  Fortunately our ATM cards are with Fidelity, which refunds any transaction fees on cash withdrawals.   
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on November 05, 2014, 01:32:23 PM

Also how do most merchants not take credit cards? That's unheard of (by me).

Major cities have a LOT of mom and pop stores and restaurants that won't take credit cards.  My husband and I were in Pittsburgh a couple of weeks ago and except for one every restaurant was cash only.  Fortunately our ATM cards are with Fidelity, which refunds any transaction fees on cash withdrawals.

I get pissed when one doesn't accept amex and I lose out on rewards points by having to use my MC (which aren't nearly as rewarding as amex).  I have only encountered a few places that don't accept CC.
Title: Re: Mustachian People Problems (just for fun)
Post by: UnleashHell on November 05, 2014, 01:43:11 PM
A problem of my own making..
I forgot to budget for the property tax on my house. I’ve got no mortgage so theres no monthly payment into  an escrow account for it.
I’ll have to use the cash on hand to pay it instead of applying those funds elsewhere. Inconvenient though…. Must set up a category on mint to remind me.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on November 05, 2014, 05:35:25 PM
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!

Well if they don't take credit cards outright, yup I agree, they're almost certainly trying to avoid taxes.
If they're only taking credit cards for transactions over $X, then it's not as clear. I would like to give them the benefit of the doubt on this one.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on November 06, 2014, 01:33:44 AM
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!
Funny, you never been to germany, right?
The majority of people here dont own a credit card and most small shops dont accept them - or at least the hardware to do this is so hidden nobody knows ^^ and nobody wants. Why? It just takes longer, costs more etc.
And the shop owner definitely doesnt lose customer.
Title: Re: Mustachian People Problems (just for fun)
Post by: Caella on November 06, 2014, 06:33:08 AM
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.
Title: Re: Mustachian People Problems (just for fun)
Post by: FunkyStickman on November 06, 2014, 06:35:52 AM
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on November 06, 2014, 08:55:06 AM
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

Seriously, you might want to place your left foot as far left as possible, or loosely tie it to the door handle or something to remind you.  Slamming on the brakes by accident could be dangerous.
Title: Re: Mustachian People Problems (just for fun)
Post by: sheepstache on November 06, 2014, 11:55:09 AM
Your walking/biking commute means you see new restaurants and shops in the neighborhood before your friends and family do.

But you hate going out to restaurants and shops so you can't tell them.
Title: Re: Mustachian People Problems (just for fun)
Post by: Caella on November 06, 2014, 12:19:14 PM
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

Seriously, you might want to place your left foot as far left as possible, or loosely tie it to the door handle or something to remind you.  Slamming on the brakes by accident could be dangerous.

Good tip, you find a way to keep my left foot "stuck" somewhere to avoid this problem.
Title: Re: Mustachian People Problems (just for fun)
Post by: Louis the Cat on November 06, 2014, 02:19:21 PM
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).



I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

Seriously, you might want to place your left foot as far left as possible, or loosely tie it to the door handle or something to remind you.  Slamming on the brakes by accident could be dangerous.

Good tip, you find a way to keep my left foot "stuck" somewhere to avoid this problem.

Most automatics have some kind of dead pedal/foot rest to the far left of the knee well. When I drive an auto, I plant my left foot there so if I do try to clutch, I kick the hell out of the floor, not the brake.
Title: Re: Mustachian People Problems (just for fun)
Post by: BlueHouse on November 06, 2014, 02:34:14 PM
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!
Uh, no.  There are many small businesses where it just doesn't pay to accept credit cards and if their customers don't expect it, then there's no problem.  I'm a small business and I don't accept credit cards.  Admittedly, I don't sell my services to the general public, but I routinely fill out government forms that ask what types of payment I accept.  My answer is only cash and corporate checks.  I am not losing any business with my decision and I would not make any additional money by accepting credit.  Oh, and I pay WAY MORE than my fair share of taxes*.

fair = my estimate of what's fair.  I try to avoid paying more than required, but I'm sure I'm not fully utilizing all available tax loopholes.   
Title: Re: Mustachian People Problems (just for fun)
Post by: Paul der Krake on November 06, 2014, 05:48:10 PM
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!

Well if they don't take credit cards outright, yup I agree, they're almost certainly trying to avoid taxes.
If they're only taking credit cards for transactions over $X, then it's not as clear. I would like to give them the benefit of the doubt on this one.
I know at least one small business owner who didn't take them until very recently, and it had everything to do with stubborness and being suspicious of change, not malice. He had been running it for 30 years as a cash only affair and just didn't see the need to change.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on November 07, 2014, 08:54:02 AM
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out. 

To be fair, you DID say 'Anybody'.  I had thought the same thing as BlueHouse.  I'm also an engineering type, and I have gotten mad at people who give true / false questions that say 'any' when they means 'mostly'.   
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on November 07, 2014, 01:28:23 PM
Ugh, the discussion was about restaurants, laundromats, etc.  Those are consumer-facing businesses that have transactions in the $5 - $50 range.  It's not like I don't know a lot of people who do this.  I'm not going to turn them in to the IRS because I know how hard it is for a small business to compete against big businesses, but by your own admission you're not even running anything close to the same kind of business as what the discussion is about here.
If you are talking about "low money", consumer businesses they are the ones not using Credit Cards. CCs are more widely accepted when you tal about higher amounts of money and business oriented.
At least thats here in good ol' germany ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on November 07, 2014, 02:01:06 PM
You can't put your urine on the compost pile because you are taking antibiotics and don't want to kill the bacteria
Title: Re: Mustachian People Problems (just for fun)
Post by: tofuchampion on November 07, 2014, 04:56:01 PM
You can't put your urine on the compost pile because you are taking antibiotics and don't want to kill the bacteria

2ndTimer wins the thread.
Title: Re: Mustachian People Problems (just for fun)
Post by: Le Barbu on November 08, 2014, 05:24:48 AM
I sent à postponed cheque for annual insurances and the bank make a mistake and debit the amount 1 month before due date. Enough money in the account so I dont care but I think I should tell my bank about this.
Title: Re: Mustachian People Problems (just for fun)
Post by: BlueHouse on November 08, 2014, 07:04:46 AM

Anybody who doesn't take credit cards is evading taxes, plain and simple.


Uh, no.  There are many small businesses where it just doesn't pay to accept credit cards

Ugh, the discussion was about restaurants, laundromats, etc. 
@Sid Hoffman: first it's "anybody", then it's limited to restaurants and laundromats?  Would you like to further narrow your statement?  I think a more accurate statement would be that any tax evader is evading taxes.  As a small business owner, I am so tired of people making assumptions about how small business owners evade taxes (either through cash transactions, or bogus deductions, or by other means). 

Allow me to let you in on a little secret.  Anybody can be a tax evader.  You just have to be willing to lie and cheat.  You don't need a business license or a credit card machine to do it.  Generalizations like yours get propagated and spewed with no real evidence and IMO, they are a form of class warfare. I have been asked on more than one occasion to use questionable or even outright illegal activity because I own a business.  I'm routinely asked to pick up the check because I can just write it off .   Did you know you can deduct the cost of a job search?  Should I accuse all job-seekers of cheating the government because they may choose to write off legitimate expenses?  Should I ask someone to pay for my lunch because I've seen their resume? 
 
As someone who has spent the past 5 years trying to survive in a competitive environment and happy that I'm making a decent living, I realize how fortunate I am and I wouldn't do anything to jeopardize my position.  I suspect many other customer-facing, cash-using business owners feel the same way.  The US was founded by and still relies on small business owners of all types and I choose to believe that the vast majority of them are honest. 

Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on November 08, 2014, 10:00:26 AM

Anybody who doesn't take credit cards is evading taxes, plain and simple.


Uh, no.  There are many small businesses where it just doesn't pay to accept credit cards

Ugh, the discussion was about restaurants, laundromats, etc. 
@Sid Hoffman: first it's "anybody", then it's limited to restaurants and laundromats?    The US was founded by and still relies on small business owners of all types and I choose to believe that the vast majority of them are honest.

Well, you had me in full agreement until the last line.

Around here it is not the small shops but the auto and home repair services. I am always told by the owner that if I pay cash, they won't charge sales taxes. Now I know that 75% of their business is business to business, so they have a legit base for accounting and tax, but I would bet most of these cash deals are not reported.  Same with my fathers cabinet shop, he is retired, so it is side money, and he pays all taxes and prefers cheques and transfers for payment as it is easier, so much easier to track and report.  So many people ask to pay cash though, you know it is not above board. Who wants to pay $8000 in cash?

But to your point, I think the largest evaders as a percent of income are those who make tip money.  Hair dressers, waiters, etc.  Here minimum wage for most is 10.50 per hr, and many get paid more.  Plus tips.  This is why I always tip on my credit card now.  Also why some states started assuming a % tips on the bill as income.
Title: Re: Mustachian People Problems (just for fun)
Post by: Gerard on November 08, 2014, 01:21:48 PM
My old credit card company is offering me an extra $10 cash back if I spend $200 (total) on the card in October and November. 22 days to go and I've only managed to spend $67! Maybe there'll be a seat sale and I can buy some plane tickets I need for next April. Or I can over-preload my transit card...
Title: Re: Mustachian People Problems (just for fun)
Post by: NoraLenderbee on November 08, 2014, 02:23:10 PM
My old credit card company is offering me an extra $10 cash back if I spend $200 (total) on the card in October and November. 22 days to go and I've only managed to spend $67! Maybe there'll be a seat sale and I can buy some plane tickets I need for next April. Or I can over-preload my transit card...

You could buy yourself an Amazon gift certificate for the balance. Then you have plenty of time to spend it on whatever you normally would buy. :)
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on November 08, 2014, 02:52:49 PM
My old credit card company is offering me an extra $10 cash back if I spend $200 (total) on the card in October and November. 22 days to go and I've only managed to spend $67! Maybe there'll be a seat sale and I can buy some plane tickets I need for next April. Or I can over-preload my transit card...

You could buy yourself an Amazon gift certificate for the balance. Then you have plenty of time to spend it on whatever you normally would buy. :)
Buy it from someone who has a website and a amazon ref link - they get a few % too ;)
Title: Re: Mustachian People Problems (just for fun)
Post by: Gin1984 on November 08, 2014, 03:12:01 PM
My old credit card company is offering me an extra $10 cash back if I spend $200 (total) on the card in October and November. 22 days to go and I've only managed to spend $67! Maybe there'll be a seat sale and I can buy some plane tickets I need for next April. Or I can over-preload my transit card...

You could buy yourself an Amazon gift certificate for the balance. Then you have plenty of time to spend it on whatever you normally would buy. :)
That is a great idea, thank you!
Title: Re: Mustachian People Problems (just for fun)
Post by: Gerard on November 08, 2014, 03:30:58 PM
You could buy yourself an Amazon gift certificate for the balance. Then you have plenty of time to spend it on whatever you normally would buy. :)

Thanks Nora! I'll hang onto that as a backup idea. Amazon (Canada) seems to specialize in books, CDs, DVDs, and consumer electronics, stuff I rarely buy. But maybe I could get Christmas presents. Or I'll join the 21st century! :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on November 08, 2014, 04:18:54 PM
They don't carry the more basic stuff?  I bought a year's worth of toilet paper off the American site.
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on November 09, 2014, 06:30:40 AM
Nope. And they won't ship to Canada either, they just refer you to the Canadian web page.  Which does not carry the whatever, which is why you were on the American site in the first place!

So we get it sent to friends in the US, or those near the border get a US mailing address.

They don't carry the more basic stuff?  I bought a year's worth of toilet paper off the American site.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on November 09, 2014, 10:43:08 AM
You could buy yourself an Amazon gift certificate for the balance. Then you have plenty of time to spend it on whatever you normally would buy. :)

Thanks Nora! I'll hang onto that as a backup idea. Amazon (Canada) seems to specialize in books, CDs, DVDs, and consumer electronics, stuff I rarely buy. But maybe I could get Christmas presents. Or I'll join the 21st century! :-)
There are a few types of gift cards that you can deposit back in your bank account. I don't know that it's worth it for the amounts you are talking about, but we just wound up in credit card hacking for frugal people 101.
Title: Re: Mustachian People Problems (just for fun)
Post by: Heather in Ottawa on November 16, 2014, 05:45:16 AM
I've never been able to set up a Questrade account using "e-Signatures" (on my 6th account now between myself and husband). The ID verification questions are all "which of these four banks is your car loan with", and "which of these four gas cards do you hold", and "what range do your student loan payments fall into", and I'm all "none of the above, none of the above". ...

Result: "Something went wrong, we could not verify your identity, please download these documents, print, and sign"
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on November 16, 2014, 12:47:01 PM
I've never been able to set up a Questrade account using "e-Signatures" (on my 6th account now between myself and husband). The ID verification questions are all "which of these four banks is your car loan with", and "which of these four gas cards do you hold", and "what range do your student loan payments fall into", and I'm all "none of the above, none of the above". ...

Result: "Something went wrong, we could not verify your identity, please download these documents, print, and sign"

In that case, you should really check your credit report.  Someone may have opened one of those accounts in your name.
Title: Re: Mustachian People Problems (just for fun)
Post by: Goldielocks on November 16, 2014, 01:00:18 PM
I've never been able to set up a Questrade account using "e-Signatures" (on my 6th account now between myself and husband). The ID verification questions are all "which of these four banks is your car loan with", and "which of these four gas cards do you hold", and "what range do your student loan payments fall into", and I'm all "none of the above, none of the above". ...

Result: "Something went wrong, we could not verify your identity, please download these documents, print, and sign"

In that case, you should really check your credit report.  Someone may have opened one of those accounts in your name.

This also happens if you have zero credit in past several years...  Eg are new to the country.
Title: Re: Mustachian People Problems (just for fun)
Post by: lizzzi on November 16, 2014, 01:50:23 PM
I filled out my deposit slip to put the $400 in my purse into the bank. I had put that $400 into a side zippered compartment in my purse and had forgotten all about it. When I pulled out the $400, it was actually $700 that I had forgotten I had. So I had to tear up the deposit slip and fill out another one. Grrrrrrr.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2ndTimer on November 17, 2014, 06:24:44 AM
You stop by Grocery Outlet while on a bike ride just to see if they have any thing good only to discover they have a tremendous deal on Quaker Chewy Granola bars.  With only a back pack and panniers you can only buy two cases.  This happened to me yesterday. 
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on November 20, 2014, 08:36:54 PM
You drive so infrequently that you forget some of the little things about driving. Like how twice in the past month, you try to turn your car off while it's still in drive. Thankfully your car prevents this from happening.
Title: Re: Mustachian People Problems (just for fun)
Post by: dragoncar on November 21, 2014, 12:10:20 AM
You drive so infrequently that you forget some of the little things about driving. Like how twice in the past month, you try to turn your car off while it's still in drive. Thankfully your car prevents this from happening.

My car lets me do this.  It must be a dumb car.  What's the downside?  I'm guessing increased work for the starter motor?
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on November 21, 2014, 12:18:33 AM
You drive so infrequently that you forget some of the little things about driving. Like how twice in the past month, you try to turn your car off while it's still in drive. Thankfully your car prevents this from happening.

My car lets me do this.  It must be a dumb car.  What's the downside?  I'm guessing increased work for the starter motor?
I had heard a while back that this can actually damage your car.
According to http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece (http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece), that's not true, but there are other reasons not to do this. Such as your car can roll away.

Regardless of whether that article is right or not....turning your car off in drive may not be bad for it, but it certainly isn't good for it.
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on November 21, 2014, 06:23:11 AM
You drive so infrequently that you forget some of the little things about driving. Like how twice in the past month, you try to turn your car off while it's still in drive. Thankfully your car prevents this from happening.

My car lets me do this.  It must be a dumb car.  What's the downside?  I'm guessing increased work for the starter motor?
I had heard a while back that this can actually damage your car.
According to http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece (http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece), that's not true, but there are other reasons not to do this. Such as your car can roll away.

Regardless of whether that article is right or not....turning your car off in drive may not be bad for it, but it certainly isn't good for it.

Drive...I haven't had a car with that option in years. Just move the stick to the middle and turn on the e-brake.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on November 21, 2014, 06:28:10 AM
You drive so infrequently that you forget some of the little things about driving. Like how twice in the past month, you try to turn your car off while it's still in drive. Thankfully your car prevents this from happening.

My car lets me do this.  It must be a dumb car.  What's the downside?  I'm guessing increased work for the starter motor?
I had heard a while back that this can actually damage your car.
According to http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece (http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece), that's not true, but there are other reasons not to do this. Such as your car can roll away.

Regardless of whether that article is right or not....turning your car off in drive may not be bad for it, but it certainly isn't good for it.

Drive...I haven't had a car with that option in years. Just move the stick to the middle and turn on the e-brake.
Ah well for a manual, it should be fine - I mean, when you can push start a manual while in gear, I'd think it'd be fine to turn your car off while still in gear.

Incidentally, I've been meaning to learn how to drive a manual...haven't gotten around to it.
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on November 21, 2014, 07:32:36 AM
You drive so infrequently that you forget some of the little things about driving. Like how twice in the past month, you try to turn your car off while it's still in drive. Thankfully your car prevents this from happening.

My car lets me do this.  It must be a dumb car.  What's the downside?  I'm guessing increased work for the starter motor?
I had heard a while back that this can actually damage your car.
According to http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece (http://www.dallasnews.com/business/columnists/car-talk/20131018-not-putting-car-in-park-might-not-be-harmful-but-is-a-bad-habit.ece), that's not true, but there are other reasons not to do this. Such as your car can roll away.

Regardless of whether that article is right or not....turning your car off in drive may not be bad for it, but it certainly isn't good for it.
My last automatic would let me turn it off in drive, but not remove the key. I'm sure it's just a safety measure to keep the car from rolling away
I do that at least 30% of the time when I drive our automatic car, and then I get mad at the car for not letting me remove the key before I realize my error.  Our other car is a standard and that's what I drive 95% of the time, so driving automatic can be disorienting for me.  I don't like it.
Title: Re: Mustachian People Problems (just for fun)
Post by: DeepEllumStache on November 21, 2014, 07:52:17 AM
I do that at least 30% of the time when I drive our automatic car, and then I get mad at the car for not letting me remove the key before I realize my error.  Our other car is a standard and that's what I drive 95% of the time, so driving automatic can be disorienting for me.  I don't like it.

Yes... and since everyone else I know drives automatic, no one understands why I dislike automatics so much.
Title: Re: Mustachian People Problems (just for fun)
Post by: ketchup on November 21, 2014, 09:38:23 AM
I do that at least 30% of the time when I drive our automatic car, and then I get mad at the car for not letting me remove the key before I realize my error.  Our other car is a standard and that's what I drive 95% of the time, so driving automatic can be disorienting for me.  I don't like it.

Yes... and since everyone else I know drives automatic, no one understands why I dislike automatics so much.
Reaching for the non-existent clutch and instead slamming my left foot on the oversized brake pedal while doing 30mph is also a fun trick.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on November 21, 2014, 09:44:22 AM
I do that at least 30% of the time when I drive our automatic car, and then I get mad at the car for not letting me remove the key before I realize my error.  Our other car is a standard and that's what I drive 95% of the time, so driving automatic can be disorienting for me.  I don't like it.

Yes... and since everyone else I know drives automatic, no one understands why I dislike automatics so much.
Reaching for the non-existent clutch and instead slamming my left foot on the oversized brake pedal while doing 30mph is also a fun trick.
Huh. Is the brake in an automatic really that much bigger than that in an automatic? [EDIT: brainfart, a manual. But I think you guys got that]
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on November 21, 2014, 09:53:47 AM
I do that at least 30% of the time when I drive our automatic car, and then I get mad at the car for not letting me remove the key before I realize my error.  Our other car is a standard and that's what I drive 95% of the time, so driving automatic can be disorienting for me.  I don't like it.

Yes... and since everyone else I know drives automatic, no one understands why I dislike automatics so much.
Reaching for the non-existent clutch and instead slamming my left foot on the oversized brake pedal while doing 30mph is also a fun trick.
Huh. Is the brake in an automatic really that much bigger than that in an automatic?

Depends on the model. I remember specifically some of the bigger old sedans have the elongated rectangle that reaches to where the clutch would be. I've eaten an embarrassing amount of steering wheel due to that fun fact.
Title: Re: Mustachian People Problems (just for fun)
Post by: FunkyStickman on November 21, 2014, 01:48:14 PM
Depends on the model. I remember specifically some of the bigger old sedans have the elongated rectangle that reaches to where the clutch would be. I've eaten an embarrassing amount of steering wheel due to that fun fact.

Done that a few times myself, hate to admit it.
Title: Re: Mustachian People Problems (just for fun)
Post by: theadvicist on November 27, 2014, 08:51:38 AM
A new Mustachian Problem for me this week: my husband and I both purchase things for our employers on our credit cards (yay, points!). Sometimes we get reimbursed straight into our bank account, often we get reimbursed in cash.

Since we rarely spend cash (because we don't buy lunches, coffee, magazines etc, and any other purchases are made on our cards for points) it has been accumulating. I totalled up all the cash in our house and wallets yesterday. Over £1000.

Now, I'm going to have to go to the bank to pay it in, because even if we treated this stash as our 'ATM' it would last until... 2016? So much cash! What a pain!
Title: Re: Mustachian People Problems (just for fun)
Post by: Annie-Blake on December 02, 2014, 10:56:33 PM
-Having absolutely no one to talk about the MMM lifestyle (excpet on line here)..when it is such a big part of our life

-not being able to talk; without gloating, about our financial situation.  If I tell people what we do with our money and what we own I am automatically labelled as gloating.  Therefore, I don't tell a soul.  and the reason I do want to tell people is to open the dialogue for inspiration and ideas..I'm always looking for more ways to save or do things differently if there's a better way. 

-people whinging, constantly (i.e. everytime I see them) about their financial situation - when I have never spoken about mine to them.  I so wish I could say "well stop getting new cars all the time on lease and being riduculously stupid with your money!".

-spending way less on presents and everyone else spends way more. it makes me feel cheap, but we have always given cheaper presents (i just shop sales, and make sure I always buy quality goods).  I just don't spend $300 per person (around $25 p/p i spend) like some family members do. it justs makes me feel really uncomfortable when we all sit around the tree at christmas.  why do they have to keep spending so much on us?? i wish we could do no presents..or kids only presents

-getting so many comments for having an 'old' phone with no colour screen and buttons (0-9) until last yr when my friend gave me her Samsung Galaxy when she upgraded hers.  one person said to me 'wow, it's so good you can handle having such a crap phone!!!'.  phones don't rate at all to me. i only have one to keep in contact with my husband who works 24/7 and to use in case of emergency (i have a baby..so peace of mind).  other than that, people know if they text me it will take a few days for me to reply.  i just can't be bothered with phones really. and i don't know how to work the samsung.  phones are a status symbol for all my friends and i just don't really care.
Title: Re: Mustachian People Problems (just for fun)
Post by: Pooperman on December 03, 2014, 05:37:25 AM
Having an xmas budget and having people in the family give disapproving looks when you decide to get your niece and nephew each a $20 gift card to Disney where they will be in a month instead of spending $150 on 2 soccer goals for them. SIL acts like they are the only people we have to shop for!
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on December 03, 2014, 06:10:44 AM
Having an xmas budget and having people in the family give disapproving looks when you decide to get your niece and nephew each a $20 gift card to Disney where they will be in a month instead of spending $150 on 2 soccer goals for them. SIL acts like they are the only people we have to shop for!

I've always found that disapproving looks are a great way to get poorly homemade cards from me. :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: prudence on December 03, 2014, 07:18:59 AM
When you have to dig out and blow the dust off your credit card for an online purchase.
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on December 03, 2014, 07:20:50 AM
When you have to dig out and blow the dust off your credit card for an online purchase.
Most websites will remember your credit card information for you =P
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on December 03, 2014, 10:43:08 AM
Resisting the urge to explain to everyone that when I opt not to buy something it's not because I can't afford it.  Example responses being "well, when you save up the cash you can buy it" or "maybe after next payday".  Like the only reason to not buy something is because you can't afford it. 
Title: Re: Mustachian People Problems (just for fun)
Post by: Le Barbu on December 03, 2014, 12:05:40 PM
Resisting the urge to explain to everyone that when I opt not to buy something it's not because I can't afford it.  Example responses being "well, when you save up the cash you can buy it" or "maybe after next payday".  Like the only reason to not buy something is because you can't afford it.

And while they talk about those purchases, you know that the only one person that realy could afford those expenses is YOU.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on December 03, 2014, 02:05:30 PM
When you have to dig out and blow the dust off your credit card for an online purchase.
Most websites will remember your credit card information for you =P

I logged onto a site I hadn't been on in 4 years, and it remembered my card... wasn't valid, but I could have tried to use it!
Title: Re: Mustachian People Problems (just for fun)
Post by: halftimer on December 03, 2014, 04:23:28 PM
Moving our pension at the bank and having the customer rep be completely surprised that you know exactly how you want to allocate it. "Oh, you know the index ticker symbols? You are the first client in 15 years who came in with that information!" Took him a while to change gears from selling us a high expense fund to just entering the info as we told it to him. Then he again seemed shocked that the final screen verified that the portfolio matched our investment style.
Title: Re: Mustachian People Problems (just for fun)
Post by: homehandymum on December 03, 2014, 04:54:35 PM
I downloaded a budget tracking app last night for my phone, and loaded in November's expenses.

Now I want to keep playing with it.  But of course, I haven't spent anything today...
Title: Re: Mustachian People Problems (just for fun)
Post by: Wolf_Stache on December 03, 2014, 05:30:04 PM
I downloaded a budget tracking app last night for my phone, and loaded in November's expenses.

Now I want to keep playing with it.  But of course, I haven't spent anything today...

I tried to download a budget app lately... but my phone was too old to run the app!
Title: Re: Mustachian People Problems (just for fun)
Post by: Breaker on December 03, 2014, 06:17:21 PM
HomeHandymum,  What app?  Maybe I can get it on my laptop. 

Timmy, Tell them it's because you don't WANT or NEED it.
Title: Re: Mustachian People Problems (just for fun)
Post by: homehandymum on December 03, 2014, 07:28:44 PM
HomeHandymum,  What app?  Maybe I can get it on my laptop. 

I am trying out Money Wise.  It's an android phone, and app is available via google play.
I would really love to try Mint, but it is not supported by NZ banks, so there's no point.
Title: Re: Mustachian People Problems (just for fun)
Post by: Breaker on December 03, 2014, 07:38:23 PM
Thanks Homehandymum.  I'll check it out.
Title: Re: Mustachian People Problems (just for fun)
Post by: iwasjustwondering on December 03, 2014, 08:34:02 PM
When you get emails from Ann Taylor and Lord and Taylor (it's always the Taylor), saying, "We miss you!"   :)
Title: Re: Mustachian People Problems (just for fun)
Post by: theadvicist on December 04, 2014, 06:12:48 AM
Yes, I just had an Amazon 'we miss you' email, offering £10 off when I spend £50. I have got something lined up for my nieces Christmas present. It's £30. I literally cannot find a single other thing I want or need, to spend the £20 (that would only cost me £10). Everything I've thought of isn't dispatched by Amazon, and it has to come from them to qualify. Ugh!
Title: Re: Mustachian People Problems (just for fun)
Post by: johnny847 on December 04, 2014, 06:17:48 AM
Yes, I just had an Amazon 'we miss you' email, offering £10 off when I spend £50. I have got something lined up for my nieces Christmas present. It's £30. I literally cannot find a single other thing I want or need, to spend the £20 (that would only cost me £10). Everything I've thought of isn't dispatched by Amazon, and it has to come from them to qualify. Ugh!
I'd imagine this won't work, but have you checked the terms and conditions to see if gift cards qualify?

Does a friend or family member need something ordered off Amazon soon?
Title: Re: Mustachian People Problems (just for fun)
Post by: Timmmy on December 04, 2014, 07:45:23 AM
Timmy, Tell them it's because you don't WANT or NEED it.

That's the thing though.  There are things that I want/need that I still won't buy.  Sometimes I just like to push my tolerance for delayed pleasure.  Sometimes I like to stretch the useful life of things that really need to be replaced.  Sometimes I like to endure a little suffering to realize just how cushy and lovely my life really is on a day-to-day basis.  Try explaining that you are voluntarily suffering to anyone and they will look at you like you have grown a 2nd head. 
Title: Re: Mustachian People Problems (just for fun)
Post by: eyePod on December 04, 2014, 08:15:53 AM
Yes, I just had an Amazon 'we miss you' email, offering £10 off when I spend £50. I have got something lined up for my nieces Christmas present. It's £30. I literally cannot find a single other thing I want or need, to spend the £20 (that would only cost me £10). Everything I've thought of isn't dispatched by Amazon, and it has to come from them to qualify. Ugh!
I'd imagine this won't work, but have you checked the terms and conditions to see if gift cards qualify?

Does a friend or family member need something ordered off Amazon soon?

Buy something that you can return to a Walmart or grocery store.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on December 04, 2014, 11:31:24 AM
Yes, I just had an Amazon 'we miss you' email, offering £10 off when I spend £50. I have got something lined up for my nieces Christmas present. It's £30. I literally cannot find a single other thing I want or need, to spend the £20 (that would only cost me £10). Everything I've thought of isn't dispatched by Amazon, and it has to come from them to qualify. Ugh!
Have you considered book?
There are always useful books. Someone likely to need something in school?
Or think about donating a book. I dont know how it is in your country, but perhaps you can donate books and get a tax bonus on that.
Or you can always present someone a Terry Pratchett :D
Title: Re: Mustachian People Problems (just for fun)
Post by: Gin1984 on December 04, 2014, 12:26:12 PM
Yes, I just had an Amazon 'we miss you' email, offering £10 off when I spend £50. I have got something lined up for my nieces Christmas present. It's £30. I literally cannot find a single other thing I want or need, to spend the £20 (that would only cost me £10). Everything I've thought of isn't dispatched by Amazon, and it has to come from them to qualify. Ugh!
I'd imagine this won't work, but have you checked the terms and conditions to see if gift cards qualify?

Does a friend or family member need something ordered off Amazon soon?

Buy something that you can return to a Walmart or grocery store.
Or buy something you normally buy a grocery store.  I buy food and lotion on amazon.
Title: Re: Mustachian People Problems (just for fun)
Post by: iwasjustwondering on December 04, 2014, 01:18:21 PM
Having a teenager who has absorbed the mustachian lifestyle almost too much.  I was going to buy him an electric shaver on amazon.com, and he looked at the screen from across the room and came running over to tell me to stop.  "I told you I don't need anything.  Don't buy me presents." 

I know he's going to want a present or two to open on Christmas Day, but other than a couple of books and a goat from Heifer International, that's it.  He doesn't even wear long-sleeved shirts, just a t-shirt and a hand-me-down Spyder ski jacket he has had for two years.  I will probably get him a jokey t-shirt, too, now that I think of it. 

My other kid has made a long list, starting with a PS 4.  Yeah, no. 
Title: .
Post by: This_Is_My_Username on December 04, 2014, 06:59:07 PM
an actual, real-live, goat?
Title: Re: Mustachian People Problems (just for fun)
Post by: Mesmoiselle on December 04, 2014, 07:25:50 PM
Like a couple of the people mentioned here, I also bought a house too cheap to file a deduction on the interest.
Title: Re: .
Post by: secondcor521 on December 04, 2014, 08:19:22 PM
an actual, real-live, goat?

Yes, but not for the teenager.

Heifer is a charitable organization where people can make donations that are used to buy useful things for people in poverty.  In the case of goats, they can provide milk.  You can also buy chickens (eggs), oxen (plowing), etc.  The intent is to make a sustainable difference in people's lives:

http://www.heifer.org/gift-catalog/animals-nutrition/index.html

Title: Re: Mustachian People Problems (just for fun)
Post by: gimp on December 04, 2014, 08:52:53 PM
Heifer is bullshit.
Title: Re: Mustachian People Problems (just for fun)
Post by: Annie-Blake on December 04, 2014, 11:18:32 PM
Having an xmas budget and having people in the family give disapproving looks when you decide to get your niece and nephew each a $20 gift card to Disney where they will be in a month instead of spending $150 on 2 soccer goals for them. SIL acts like they are the only people we have to shop for!

wow, that's rude! i think a $20 gift card to Disney is a fantastic present.  Seems like SIL is ungrateful that you gave a thoughtful gift to her children.  and since when has present giving been about the value anyway?! it's the thought that counts.
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on December 05, 2014, 03:36:30 AM
Heifer is bullshit.
I am astounded, Sir, by your elaborate and eloquent argument.
Title: Re: Mustachian People Problems (just for fun)
Post by: 1967mama on December 05, 2014, 03:45:10 AM
Took out too many books from the library -- everything I'd ordered from inter-library loan came in the same week.
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on December 05, 2014, 05:32:26 AM
That is when you walk into the library with two book bags to take home all your loot  ;-).  My library is used to me walking in with 7 books to return and 10 to go - in fact when they had a week counting use, they were extra glad to see me.

One of the joys of retirement, I can actually read books as much as I want - and I want to read lots, on lots of different topics.

Took out too many books from the library -- everything I'd ordered from inter-library loan came in the same week.
Title: Re: Mustachian People Problems (just for fun)
Post by: 2lazy2retire on December 05, 2014, 08:49:17 AM
Heifer is bullshit.
I am astounded, Sir, by your elaborate and eloquent argument.

Maybe not very well put - but a small bit of research suggests that he may have a point
Title: Re: Mustachian People Problems (just for fun)
Post by: LennStar on December 05, 2014, 08:52:12 AM
That is when you walk into the library with two book bags to take home all your loot  ;-).  My library is used to me walking in with 7 books to return and 10 to go - in fact when they had a week counting use, they were extra glad to see me.

In my schooltime I used to go there with a backpack and get as many books as I could get in it.
Useless to say that the library was (and is) far too small for me.
Title: Re: Mustachian People Problems (just for fun)
Post by: Cinder on December 05, 2014, 10:19:30 AM
Ive gotten two $50 codes for GiftCertificates.com and I'm having trouble actually figuring out anything that I want/need.  I think my best options are either use them for 'the container store' and get some nice tubs for more bulk food storage, or Bed Bath and Beyond and get a Pressure Canner. 

All the 'fun' things I want (small electronic components for hacking around with my arduino/raspberry pi) all cost less to get though Taiwanese/Chinese based sites or aren't even available at any of the places where I can get gift certificates with my codes.  The closest thing I was thinking of was going to staples and getting an 8 port PoE(Power over Ethernet) switch for when I eventually do some of my own home automation based projects so I don't have to use an AC-> DC converter and run power manually every where I stick an arduino, but that's more then my $100 total.

Another option is to get gift cards to restaurants, but most of the things offered aren't in our area. 


Another mustachian problem is coming up with christmas lists for relatives... The best I've been able to do is list a few bike nice to haves (a stronger set of lights, reflective velcro straps to keep my pant legs from getting caught in the chain, etc...).  Last year I got a really nice collapsible basket to mount on back of my bike, it's on there next to the milk crate strapped to the cargo rack :)
Title: Re: Mustachian People Problems (just for fun)
Post by: RetiredAt63 on December 05, 2014, 10:25:39 AM
Same here, that is why I maintain a non-resident membership for the Ottawa library, I can go online and reserve any item that is at any branch, and it will get sent to my branch of choice.  The drive in once every 7-10 days is well worth it, I would spend far more on books than I ever spend on the commute if I didn't have a good library.
As we move more to downloadable materials, I hope to depend less on real items, and cut down on the commute (or alternately move at some point to a small city).

Useless to say that the library was (and is) far too small for me.
Title: Re: Mustachian People Problems (just for fun)
Post by: lizzie on December 05, 2014, 10:28:49 AM
Took out too many books from the library -- everything I'd ordered from inter-library loan came in the same week.

LOL, that's a great one. Oh, the horror! Sometimes I try to strategically manage my place on the library wait list out of fear that this will happen!
Title: Re: Mustachian People Problems (just for fun)
Post by: frugalnacho on December 05, 2014, 12:40:42 PM
Having an xmas budget and having people in the family give disapproving looks when you decide to get your niece and nephew each a $20 gift card to Disney where they will be in a month instead of spending $150 on 2 soccer goals for them. SIL acts like they are the only people we have to shop for!

I've always found that disapproving looks are a great way to get poorly homemade cardsa big fuck you from me. :-)
Title: Re: Mustachian People Problems (just for fun)
Post by: C. K. on December 05, 2014, 12:45:27 PM
Realizing that since you don't watch TV or the latest movies you don't know a single face or name on the covers of impulse-buy magazines. [This might be an age thing.]

It's actually unsettling. I looked harder for at least a name that I knew, thinking perhaps someone had Botoxed herself out of recognition. Nope.
Title: Re: Mustachian People Problems (just for fun)
Post by: Rezdent on December 05, 2014, 12:52:17 PM
Realizing that since you don't watch TV or the latest movies you don't know a single face or name on the covers of impulse-buy magazines. [This might be an age thing.]

It's actually unsettling. I looked harder for at least a name that I knew, thinking perhaps someone had Botoxed herself out of recognition. Nope.
Sorry you find it unsettling.   I consider it an accomplishment worthy of sharing.   
=Badassity :)
Title: Re: Mustachian People Problems (just for fun)
Post by: jordanread on December 05, 2014, 01:28:29 PM
Realizing that since you don't watch TV or the latest movies you don't know a single face or name on the covers of impulse-buy magazines. [This might be an age thing.]

It's actually unsettling. I looked harder for at least a name that I knew, thinking perhaps someone had Botoxed herself out of recognition. Nope.
Sorry you find it unsettling.   I consider it an accomplishment worthy of sharing.   
=Badassity :)
+1
Title: Re: Mustachian People Problems (just for fun)
Post by: Cookie78 on December 05, 2014, 03:13:31 PM
Just discovered this forum a week or two ago, but I've always been pretty frugal.
I've never paid for cable and I haven't owned a TV in many years. Long enough that my friends aren't surprised and no one mentions it when they visit.

But a few days ago a guy came to my door trying to sell me cable TV and internet. I said I was happy with my internet provider, but I don't want cable. I told him at this point I didn't have a TV, but I don't think he understood that I literally do not own a TV. He explained that I could get this great deal for cheap for the first 6 months, then cancel it. I said it is still more than what I'm paying for internet right now, and I'd have to go buy a TV and deal with the hassle of changing providers, all for something I�