Author Topic: Mustachian People Problems (just for fun)  (Read 1786504 times)

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #3750 on: March 10, 2017, 12:43:42 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

That reminds me of something similar that happened to me with Personal Capital. My credit card number was stolen, and over $500 was charged at Williams-Sonoma, but I can't get it off my Personal Capital account, and it screws up my monthly average! Ai first world problem for sure, but yes -- annoying!

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3751 on: March 10, 2017, 01:13:52 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

I stopped using Mint when they starting having massive, recurring issues pulling in my accounts, but I seem to recall being able to "reprogram" the default name and category. For example, I often visited a gas station on a Marshall Street. Mint kept putting that as "Marshalls - Clothing", but I was able to get it to default to "Gas Station Name - Transportation" instead. So maybe that'd work if you reprogrammed it from "Cash Machine - ATM Fee" to "ATM Fee - Refunded" or something?

Kiwi Fuzz

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Re: Mustachian People Problems (just for fun)
« Reply #3752 on: March 10, 2017, 01:18:06 PM »
Greensheep: Yeah, Vanguard doesn't like it when Mint refreshes so it sends me a security code to my phone and blocks Mint...I have removed the account from Mint for now since it's empty (got ahead of myself opening that one) but I'm not sure what I'll do once I start using that account.

merula: Good idea, thanks! I'll give it a try. I've just been manually adjusting it by checking the 'reimbursable' check box on each transaction individually but it would be nice if it automatically recognized it.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3753 on: March 10, 2017, 02:36:43 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

I have this problem with the Chase credit card credits for travel purchases. I'll use it for a taxi or commuter train and Mint sees the expense but not the credit.

Do you see the credit at the end of the month in Mint? In that case you could just categorize it as "income" in the same category and it would cancel out the fee.

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #3754 on: March 10, 2017, 06:20:29 PM »
Greensheep: Yeah, Vanguard doesn't like it when Mint refreshes so it sends me a security code to my phone and blocks Mint...I have removed the account from Mint for now since it's empty (got ahead of myself opening that one) but I'm not sure what I'll do once I start using that account.

Very strange.  I don't have any problems with my Vanguard accounts syncing with Mint.

mikefixac

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Re: Mustachian People Problems (just for fun)
« Reply #3755 on: March 10, 2017, 07:08:34 PM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

I'm sure to get flamed, but let me say this: Each of you three, copy/paste this and in 10-20 years, hopefully sooner, reread.

That is how I feel exactly.  I see my small portfolio go up every month by $1,500-2,000 and it makes me more worried than happy.  I can't fully understand this feeling either.  We live in strange times, for sure.

I feel a bit let down too every time I see it keep moving up.  Whether or not it's a fair value, up is not good for anybody not close to FI.  I think I'll feel a little better once interest rates get back somewhere in the realm of normal.

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3756 on: March 11, 2017, 04:19:31 AM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

I'm sure to get flamed, but let me say this: Each of you three, copy/paste this and in 10-20 years, hopefully sooner, reread.

That is how I feel exactly.  I see my small portfolio go up every month by $1,500-2,000 and it makes me more worried than happy.  I can't fully understand this feeling either.  We live in strange times, for sure.

I feel a bit let down too every time I see it keep moving up.  Whether or not it's a fair value, up is not good for anybody not close to FI.  I think I'll feel a little better once interest rates get back somewhere in the realm of normal.

It's very nice for those of us who are already FI though, thank you very much. :D

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #3757 on: March 11, 2017, 01:07:42 PM »
My problem today is that I don't know when I'll have time to do my job because I need to take so much time off:

-The law mandates that everyone can use 10 days a year for sick kids
-We have 10 extra days because the oldest kid is deaf
-Today we got 10 more days approved because the youngest has a brachial plexus injury
-If your kid is at hospital or critically ill, you have to use the sick days (mentioned above) for the first week, after that you can get "caring money". We have had two weeks at hospital so far this year
-If I get sick, I can claim fully paid sick leave for up to 52 weeks. (8 days undocumented, after that I need to see a doctor). I normally use 3-5 days a year.
-My work week is capped at 38.75 hours in the winter time, 35 hours in the summer time. Travel time counts as working time. We don't get paid OT, but extra hours have to be taken out as PTO. I have worked too much the last 14 months, and have 70 hours I need to use.
-The law mandates 5 weeks vacation, but since I worked too much last year, I had to transfer two of those weeks to 2017.
-Parents of deaf children get 40 weeks (spread over 18 years) paid time off for sign language lessons. This training takes place while the kid is at a boarding school for the deaf. This year we have planned 2-3 weeks at deaf school.
-In addition to this, there are 9 days of national holidays (Christmas, Easter, etc) this year, and our Christmas bonus is an extra day off during the Christmas week.

To sum up: I need to find time for 7 weeks of vacation time and 2 weeks PTO this year, but it has to be when there are no national holidays, and the kids or I aren't sick, in hospital, or at deaf school, because then the state pays me not to work. And I'm not sure which forms to use in a couple of weeks, when the youngest will be in hospital at the same time as the oldest is at the school for deaf.

This all seems to be a bit over the top.  What country are you in?  What happens if you like your work and actually want to get it done?  Can you forgo the PTO?

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3758 on: March 11, 2017, 01:38:19 PM »
My problem today is that I don't know when I'll have time to do my job because I need to take so much time off:

-The law mandates that everyone can use 10 days a year for sick kids
-We have 10 extra days because the oldest kid is deaf
-Today we got 10 more days approved because the youngest has a brachial plexus injury
-If your kid is at hospital or critically ill, you have to use the sick days (mentioned above) for the first week, after that you can get "caring money". We have had two weeks at hospital so far this year
-If I get sick, I can claim fully paid sick leave for up to 52 weeks. (8 days undocumented, after that I need to see a doctor). I normally use 3-5 days a year.
-My work week is capped at 38.75 hours in the winter time, 35 hours in the summer time. Travel time counts as working time. We don't get paid OT, but extra hours have to be taken out as PTO. I have worked too much the last 14 months, and have 70 hours I need to use.
-The law mandates 5 weeks vacation, but since I worked too much last year, I had to transfer two of those weeks to 2017.
-Parents of deaf children get 40 weeks (spread over 18 years) paid time off for sign language lessons. This training takes place while the kid is at a boarding school for the deaf. This year we have planned 2-3 weeks at deaf school.
-In addition to this, there are 9 days of national holidays (Christmas, Easter, etc) this year, and our Christmas bonus is an extra day off during the Christmas week.

To sum up: I need to find time for 7 weeks of vacation time and 2 weeks PTO this year, but it has to be when there are no national holidays, and the kids or I aren't sick, in hospital, or at deaf school, because then the state pays me not to work. And I'm not sure which forms to use in a couple of weeks, when the youngest will be in hospital at the same time as the oldest is at the school for deaf.

This all seems to be a bit over the top.  What country are you in?  What happens if you like your work and actually want to get it done?  Can you forgo the PTO?

I can give up the PTO, and keep transferring vacation weeks from one year to the next. But honestly, even though I do love my work, I refuse to work for free. Normally, I can get everything done inbetween. It is just the backlog of PTO and vacation from last year, plus a sicker than normal kid, that makes it more challenging right now.

This is Norway. But it is very similar for all the Nordic countries. The welfare system is fantastic, and probably the only reason I'm able to work full time with two disabled children. My boss knew what she signed up for when she hired me, and has no problem with these issues. In fact, I'm probably one of her more reliable employees, since I can tell her 3-6 months in advance when I'll be home with a sick child. For the state, it is a break even right now, with my taxes making up for the paid sick leave and sign language lessons. But providing this security net now ensures that I will continue to pay taxes for many years to come, and that I raise children that are healthy enough and educated enough to join the work force.

lemanfan

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Re: Mustachian People Problems (just for fun)
« Reply #3759 on: March 11, 2017, 01:50:49 PM »

This is Norway. But it is very similar for all the Nordic countries.

I'm Swedish, and I can say that it is similar here.

One downside I've seen is that some employers get more picky and may avoid to hire people where they suspect high levels of medical leave.  The general tax level on payrolls, and the fact that it's quite hard to fire people makes smaller companies really hesitant to hire in general, and even more so when they suspect medical issues.  Having your first and only employee getting ill may cause your company into financial trouble.

Kiwi Fuzz

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Re: Mustachian People Problems (just for fun)
« Reply #3760 on: March 13, 2017, 11:03:56 AM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

I have this problem with the Chase credit card credits for travel purchases. I'll use it for a taxi or commuter train and Mint sees the expense but not the credit.

Do you see the credit at the end of the month in Mint? In that case you could just categorize it as "income" in the same category and it would cancel out the fee.

Uh-huh, it evens out. I just find the notification that pops up at the top of the page when I log in frustrating. It's not a problem in terms of actual tracking - more me being whiny. I should just ignore it.

Greensheep: Yeah, Vanguard doesn't like it when Mint refreshes so it sends me a security code to my phone and blocks Mint...I have removed the account from Mint for now since it's empty (got ahead of myself opening that one) but I'm not sure what I'll do once I start using that account.

Very strange.  I don't have any problems with my Vanguard accounts syncing with Mint.

I'm just lucky, I guess! :D

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #3761 on: March 13, 2017, 11:16:16 AM »
In the latest Frugalwoods blog, the reader in the case study discusses going to graduate school to get a master's degree. She referred to it as an MPP, and my brain read it as "Mustachian People Problem" before I resorted to Google to figure out what she meant. (Masters in Public Policy) So my Mustachian People Problem is that MPP always means Mustachian People Problem to me.

Cookie78

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Re: Mustachian People Problems (just for fun)
« Reply #3762 on: March 13, 2017, 11:35:39 AM »
My MPP today is that I am SO impatient to get my tax return back, not for the money, but so that I can confirm my RRSP contribution limit before I start contributing for 2017!

((Income - investment income) * 0.18) - pension adjustment ???

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #3763 on: March 14, 2017, 09:19:22 AM »
In the latest Frugalwoods blog, the reader in the case study discusses going to graduate school to get a master's degree. She referred to it as an MPP, and my brain read it as "Mustachian People Problem" before I resorted to Google to figure out what she meant. (Masters in Public Policy) So my Mustachian People Problem is that MPP always means Mustachian People Problem to me.

My sister is graduating this spring with a Masters in Public Policy. I have been assured that she can get a decently paying job. What that job is has been repeatedly explained to me and I still don't understand, but that's ok.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #3764 on: March 15, 2017, 03:38:55 AM »

This is Norway. But it is very similar for all the Nordic countries.

I'm Swedish, and I can say that it is similar here.

One downside I've seen is that some employers get more picky and may avoid to hire people where they suspect high levels of medical leave.  The general tax level on payrolls, and the fact that it's quite hard to fire people makes smaller companies really hesitant to hire in general, and even more so when they suspect medical issues.  Having your first and only employee getting ill may cause your company into financial trouble.
Netherlands here, not as official with some but in practice quite the same.

Our youngest has Downsyndrome and is also hard of hearing for which we have a lot of types of care, both at home and in Hospital. On average i miss half a day every other week to meet those appointments.
Our oldest also has special needs because his language development is far behind. I'm very open about both kids at work and though there are some organisational issues (planning projects) the colleagues are very supportive of our situation.

Freckles

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Re: Mustachian People Problems (just for fun)
« Reply #3765 on: March 15, 2017, 11:23:55 AM »
I really wish I'd been born in a Scandinavian country. Your governments really seem to support their citizens. You know, the purpose of government. (My country is a little confused about that.)

I'm a red panda

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Re: Mustachian People Problems (just for fun)
« Reply #3766 on: March 15, 2017, 11:33:25 AM »
I'm wanting to take extended maternity leave.

My husband totally used my standard argument against me.
"Well, if you take the $10,000+ not earned in the extra weeks, and consider a 7% return, the actual cost of the leave is ..."


He was of course joking, and told me to do what I want; but he kind of has a point.  (If the baby comes more than 2 days early, I won't have the option, because of weird ways benefits work and how much PTO I have, so we just figured we'll let her decide.)

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #3767 on: March 15, 2017, 01:12:22 PM »
But providing this security net now ensures that I will continue to pay taxes for many years to come, and that I raise children that are healthy enough and educated enough to join the work force.

IF only we could get your statement understood and acknowledged by the conservatives in the USA... Good long term decisions with good long term outcomes. That's living!

It seems the conservatives I know are all about the wedge issues and little more - who uses which bathroom, assault rifles, waging war in foreign lands, etc. 
« Last Edit: March 15, 2017, 01:16:05 PM by Tasty Pinecones »

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3768 on: March 15, 2017, 01:26:02 PM »
They're switching us from semi-monthly (current) payroll to bi-weekly (in arrears) payroll, with the result that in the end you're paid the same, but in April we're all going to be paid about 30% short (due to the "arrears" part) and each month where we don't have a third paycheck we'll get ~7% less money than we do now (which will all end up in that "extra" third paycheck 2x a year).

Co-workers: "What are we going to do in April!?!"  (They haven't figured out that their regular paychecks will be 7% lower so that hasn't come up yet.)

Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #3769 on: March 15, 2017, 01:45:40 PM »
Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

Long term that means you'll be able to invest slightly sooner since you'red getting paychecks more often.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3770 on: March 15, 2017, 02:08:40 PM »
Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

Long term that means you'll be able to invest slightly sooner since you'red getting paychecks more often.

Hmm. I don't really feel like doing the math involved to see how long it would take me to 1. catch up and 2. overcome the drag of the first however-many-months I was behind schedule. We missed the first "third paycheck" of the year so it's not that straightforward. Plus we just got acquired on Feb 1 and every paycheck we've gotten has been different so far while they figure things out. (This has been hard to watch since I used to run payroll for us, and was very good at it...)

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3771 on: March 15, 2017, 02:10:11 PM »
They're switching us from semi-monthly (current) payroll to bi-weekly (in arrears) payroll, with the result that in the end you're paid the same, but in April we're all going to be paid about 30% short (due to the "arrears" part) and each month where we don't have a third paycheck we'll get ~7% less money than we do now (which will all end up in that "extra" third paycheck 2x a year).

Co-workers: "What are we going to do in April!?!"  (They haven't figured out that their regular paychecks will be 7% lower so that hasn't come up yet.)

Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

I sense you're going to have some overheard at work stories soon

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3772 on: March 15, 2017, 02:28:00 PM »
They're switching us from semi-monthly (current) payroll to bi-weekly (in arrears) payroll, with the result that in the end you're paid the same, but in April we're all going to be paid about 30% short (due to the "arrears" part) and each month where we don't have a third paycheck we'll get ~7% less money than we do now (which will all end up in that "extra" third paycheck 2x a year).

Co-workers: "What are we going to do in April!?!"  (They haven't figured out that their regular paychecks will be 7% lower so that hasn't come up yet.)

Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

I sense you're going to have some overheard at work stories soon

I'm sure I will! I really do feel bad for 2 of them - one of them has been down to almost no cash because he was renting a room and paying a mortgage simultaneously for a few months while waiting for the sale to go through. Plus the "trying to sell" expenses like painting, etc. He was trying to do the frugal thing by selling his $600k Manhattan condo (which he couldn't afford) and moving into a roommate-rental situation in a much cheaper neighborhood. Probably cutting his housing cost by 2/3. He'll be in great shape long-term but short-term he is in a squeeze.

The other one is in sales and the new company is converting him from monthly commissions to quarterly, so his paychecks have already been short for a couple months.

Step37

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Re: Mustachian People Problems (just for fun)
« Reply #3773 on: March 15, 2017, 11:05:47 PM »
My MPP today is that I am SO impatient to get my tax return back, not for the money, but so that I can confirm my RRSP contribution limit before I start contributing for 2017!

((Income - investment income) * 0.18) - pension adjustment ???

Haha! Yes! I was so excited to figure out how much more to top my RRSP (carry over from less mustachian years;), that I forgot to enter my husband's income (so the software gave me a credit for a dependant) and instead of breaking even, I ended up having to pay $1200 once I filed our actual taxes a month later. It's okay, though, he got a refund so we came out "ahead".

When I got my Notice of Assessment a few days ago, the first thing I did was make a single RRSP contribution to bring it to the maximum after what I plan to contribute monthly. My MPP is that my income will be about the same this year and I won't have the unused room, so I will definitely have a bigger tax bill.



MoMan

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Re: Mustachian People Problems (just for fun)
« Reply #3774 on: March 16, 2017, 02:46:14 PM »
My "problem" if you want to call it that is conjuring up a fake smile and pretending I'm excited about the annual bonus. And to put this into context, my bonus these days amounts to approximately an additional paycheck, so it's nothing that changes my life ... or even my weekend.

Truth is, I'm no longer motivated by money, and I guess it shows. The first year my boss told me about the upcoming bump in my next paycheck, he remarked, "Are you not happy with your bonus? You look a little upset."

It ain't the bonus: It's being stuck here in a corporate office.

31 months to FIRE.

greengardens

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Re: Mustachian People Problems (just for fun)
« Reply #3775 on: March 16, 2017, 05:12:04 PM »
My MPP: getting weird looks being told I should be one of those "tiny house" people when my co-workers found out we do not have cable.
« Last Edit: March 16, 2017, 05:17:54 PM by greengardens »

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3776 on: March 17, 2017, 02:36:49 AM »
My MPP: getting weird looks being told I should be one of those "tiny house" people when my co-workers found out we do not have cable.
Did you say you are just building it on your weekends and if they want to join to hands-on-stuff-fun?

Aelias

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Re: Mustachian People Problems (just for fun)
« Reply #3777 on: March 17, 2017, 08:40:00 AM »
lol.  Because living in a tiny house is TOTALLY the same as not having cable.

Cannot Wait!

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Re: Mustachian People Problems (just for fun)
« Reply #3778 on: March 17, 2017, 03:17:14 PM »
I don't have cable, or a TV, or (gasp) a cell phone - but I no longer have coworkers either.  Coincidence?  I think not. 
« Last Edit: March 17, 2017, 06:42:58 PM by Cannot Wait! »

greengardens

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Re: Mustachian People Problems (just for fun)
« Reply #3779 on: March 17, 2017, 04:59:24 PM »
My MPP: getting weird looks being told I should be one of those "tiny house" people when my co-workers found out we do not have cable.
Did you say you are just building it on your weekends and if they want to join to hands-on-stuff-fun?

Ha! I wish I had

Shamantha

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Re: Mustachian People Problems (just for fun)
« Reply #3780 on: March 19, 2017, 08:09:37 AM »
When you are getting ready for a work related 12 hours business class flight, with free food in the lounge, and two free meals on the plane, and you still eat a "clean out the fridge" meal before leaving. Because even if you cook with leftovers it is better tasting than the free airport and airplane food.
Still feels wasteful for not taking advantage of all that free food!

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #3781 on: March 19, 2017, 10:52:38 AM »
When you are getting ready for a work related 12 hours business class flight, with free food in the lounge, and two free meals on the plane, and you still eat a "clean out the fridge" meal before leaving. Because even if you cook with leftovers it is better tasting than the free airport and airplane food.
Still feels wasteful for not taking advantage of all that free food!

MPP:  Feeling guily for not drinking enough free beer after getting upgraded to 1st class. Usually too tired, and relaxed after months-long jobs.

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #3782 on: March 20, 2017, 04:27:23 AM »
Because even if you cook with leftovers it is better tasting than the free airport and airplane food.
When I was a student, our motto was "Taste is quality times quantity divided by price". Thus, as long as the quality remains above zero, free food is always tasty.

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #3783 on: March 20, 2017, 07:29:15 AM »
New MPP.   I have lost 15 lbs this year and my clothes are now ill fitting, but I am still 10 lbs from my goal weight, so I cannot get anything that fits yet.  So just as I am unfortunately back in the dating pool, I look a bit frumpy.  Maybe I just need to convince myself that chicks dig saggy buttt jeans. 

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3784 on: March 20, 2017, 07:34:45 AM »
New MPP.   I have lost 15 lbs this year and my clothes are now ill fitting, but I am still 10 lbs from my goal weight, so I cannot get anything that fits yet.  So just as I am unfortunately back in the dating pool, I look a bit frumpy.  Maybe I just need to convince myself that chicks dig saggy buttt jeans.

Try to use the sewing machine and adjust them. Or try to find some cheap used clothes in your current size.

Joggernot

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Re: Mustachian People Problems (just for fun)
« Reply #3785 on: March 20, 2017, 09:55:16 AM »
New MPP.   I have lost 15 lbs this year and my clothes are now ill fitting, but I am still 10 lbs from my goal weight, so I cannot get anything that fits yet.  So just as I am unfortunately back in the dating pool, I look a bit frumpy.  Maybe I just need to convince myself that chicks dig saggy buttt jeans.

Try to use the sewing machine and adjust them. Or try to find some cheap used clothes in your current size.
See the Thrift Shop thread.

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #3786 on: March 20, 2017, 11:44:36 AM »
New MPP.   I have lost 15 lbs this year and my clothes are now ill fitting, but I am still 10 lbs from my goal weight, so I cannot get anything that fits yet.  So just as I am unfortunately back in the dating pool, I look a bit frumpy.  Maybe I just need to convince myself that chicks dig saggy buttt jeans.

Try to use the sewing machine and adjust them. Or try to find some cheap used clothes in your current size.
See the Thrift Shop thread.
+1
I'm also a fan of eBay, but that's more expensive than a thrift shop.  I spend about $10-$15 on a pair of jeans that I could get at a thrift shop for $5-7 (or new for $115).  However, I'm very attached to a specific type and style, so eBay just alerts me when there is an item that fits my criteria. 

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3787 on: March 20, 2017, 05:31:43 PM »
Because even if you cook with leftovers it is better tasting than the free airport and airplane food.
When I was a student, our motto was "Taste is quality times quantity divided by price". Thus, as long as the quality remains above zero, free food is always tasty.

You must not have been math students. Free food makes that a divide-by-zero error.

But I agree with the sentiment that free food is almost always worthwhile.

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #3788 on: March 20, 2017, 06:46:44 PM »
Thrift shops for temporary clothes?  That's where I get my permanent clothes!

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #3789 on: March 21, 2017, 03:42:17 AM »
My MPP: I only buy meat and fish when it's reduced as it's nearing it sell-by date. I freeze it immediately, and meal plan from the freezer, so I never have to buy full-priced stuff.

Well, lately, I have just been getting deal after deal. A whole Seabass for 99p. Cod loin (two large fillets) for 1.33. A joint of beef for 2.99. A leg of lamb for 3.99!

My freezer is full, and yes, we could just eat like Kings every single night... but in reality we only eat meat and fish two or three times a week. I don't want us to get used to all that rich (in both senses) food every night. We enjoy vegetarian meals! But the freezer stash is getting out of control.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3790 on: March 21, 2017, 07:11:37 AM »
My MPP: I only buy meat and fish when it's reduced as it's nearing it sell-by date. I freeze it immediately, and meal plan from the freezer, so I never have to buy full-priced stuff.

Well, lately, I have just been getting deal after deal. A whole Seabass for 99p. Cod loin (two large fillets) for 1.33. A joint of beef for 2.99. A leg of lamb for 3.99!

My freezer is full, and yes, we could just eat like Kings every single night... but in reality we only eat meat and fish two or three times a week. I don't want us to get used to all that rich (in both senses) food every night. We enjoy vegetarian meals! But the freezer stash is getting out of control.
Then save even more by not not buying!

On a related MPP I just counted: I already eat half of the chocolade christmas stuff I bought for -2/3 in early January. Need to be careful so that I have no gap until Eastern and the reduced bunnies afterwards.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3791 on: March 21, 2017, 07:35:59 AM »

On a related MPP I just counted: I already eat half of the chocolate christmas stuff I bought for -2/3 in early January. Need to be careful so that I have no gap until Eastern and the reduced bunnies afterwards.

Thanks for the reminder. I should also go look for after-easter chocolate in the bulk shops. Only challenge is that I don't particularly like milk chocolate and that is 99% of what is sold in my country. But maybe I can find something that tastes good.

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Re: Mustachian People Problems (just for fun)
« Reply #3792 on: March 21, 2017, 08:02:31 AM »
When I sign up for a new credit card sign up bonus to do travel hacking (obtaining large amounts of points to redeem toward free travel), meeting the minimum spend required to get the bonus is a real challenge. 

alewpanda

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Re: Mustachian People Problems (just for fun)
« Reply #3793 on: March 21, 2017, 09:10:26 AM »
MPP:

I had to convince myself that the dress that I loved the fit of and knew would be easy to dye to an even better color (black, black is better than almost any color), was worth the the goodwill price of 5.99.

I normally buy my clothes for 2-3.50.  The 5.99 almost kept me from it, but them I realized how ridiculous I was being.  Even after a 4.00 dye job, I would have an amazingly comfy, flattering and versatile dress for 10.00...a LBD at that! 

Such a problem to have......

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3794 on: March 22, 2017, 02:17:55 PM »
I was going to post this screenshot on Facebook and make a joke about how I'm announcing my retirement tomorrow, but then I realized no one in my FB feed would get the joke. (If that percent increase turns out to be real, I really AM retiring tomorrow. You heard it here first.)

radram

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Re: Mustachian People Problems (just for fun)
« Reply #3795 on: March 22, 2017, 02:21:55 PM »
I was going to post this screenshot on Facebook and make a joke about how I'm announcing my retirement tomorrow, but then I realized no one in my FB feed would get the joke. (If that percent increase turns out to be real, I really AM retiring tomorrow. You heard it here first.)

Boy did Morningstar ever get harsh on there ratings. How did it only receive 3 stars?  LOL

Aelias

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Re: Mustachian People Problems (just for fun)
« Reply #3796 on: March 22, 2017, 02:54:42 PM »
My "problem" if you want to call it that is conjuring up a fake smile and pretending I'm excited about the annual bonus. And to put this into context, my bonus these days amounts to approximately an additional paycheck, so it's nothing that changes my life ... or even my weekend.


Had a very similar experience when the head of our department was talking about all the opportunities for "advancement" in the company.

Wow--you mean I could get even more money, and all I have to do is take on more responsibility, travel more, and spend less time with my family?  Sign me up! ::sarcasm::

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3797 on: March 23, 2017, 04:33:05 AM »
I was going to post this screenshot on Facebook and make a joke about how I'm announcing my retirement tomorrow, but then I realized no one in my FB feed would get the joke. (If that percent increase turns out to be real, I really AM retiring tomorrow. You heard it here first.)

Boy did Morningstar ever get harsh on there ratings. How did it only receive 3 stars?  LOL
They rae performance of several years. So if that thing dropped 90% 2 years back...

I'm a red panda

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Re: Mustachian People Problems (just for fun)
« Reply #3798 on: March 23, 2017, 06:41:20 AM »
MPP:

I had to convince myself that the dress that I loved the fit of and knew would be easy to dye to an even better color (black, black is better than almost any color), was worth the the goodwill price of 5.99.

I normally buy my clothes for 2-3.50.  The 5.99 almost kept me from it, but them I realized how ridiculous I was being.  Even after a 4.00 dye job, I would have an amazingly comfy, flattering and versatile dress for 10.00...a LBD at that! 

Such a problem to have......

I had someone trying to sell me some cute baby clothes for about $2 a piece. I told her no thanks, it was too much money.  I try to stay under $1 a piece and keep my average around 50 cents.  I don't care that someone originally bought them for $20 or more. That's insane.

I think I'd be wary of a $6 dress I had to dye.  Not all fabric takes dye evenly, so you could end up with a dud.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #3799 on: March 23, 2017, 06:43:48 AM »
I was going to post this screenshot on Facebook and make a joke about how I'm announcing my retirement tomorrow, but then I realized no one in my FB feed would get the joke. (If that percent increase turns out to be real, I really AM retiring tomorrow. You heard it here first.)

Boy did Morningstar ever get harsh on there ratings. How did it only receive 3 stars?  LOL

I'm a little surprised that Morningstar is even relevant anyway, and puzzled why anyone would bother to even care about any kind of "rating" of mutual funds. Seems like an obvious choice to me to just go with the lowest-expense-ratio index funds... and distribute your investible-assets between different asset-class funds based on your desired allocation.