Author Topic: Mustachian People Problems (just for fun)  (Read 3220578 times)

sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #6950 on: November 20, 2019, 05:11:54 PM »
I was just talking about this with my mom and stepdad...who also don't love gifts, but my two sisters insist on bringing gifts each Christmas for everyone, even though we all agreed that we'd only do gifts for the kids (grandkids).  One or both of them break the agreement *every year*. 

And I get that some people's love language is gifts.  But there has to be a better way than just finding the worst junk from the Dollar Store.  With my sisters they don't ask for a list, they just buy theme gifts (like last year it was all the women got serapes or everyone got a heart-shaped pancake pan).  My stepdad apparently just told them if they brought something he'd put it straight in the donation box.  Sounds like they were disgruntled but agreed (again).  We shall see.  I would like to think of some way to let them have their satisfaction of giving gifts without us having to be so burdened by it (we fly in, so have to make extra room in our luggage for stuff we do not want at all), not to mention the financial and environmental impacts.  But haven't found a solution yet.

chouchouu

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Re: Mustachian People Problems (just for fun)
« Reply #6951 on: November 20, 2019, 08:13:04 PM »
Sword Guy, I like the picture idea, however, the kids mother takes them regularly to some studio and they have school pictures on top of the fact that Person is an avid picture taker. So many pictures it makes you head spin! To bad your father had a 'tude. Does ruin the gift giving thing.

DaMa, I will have to look into the zoo idea! I do think there is something in the area. Now you have got me thinking...movie tickets for Person and G-kids?

How about choosing a few favourites this person has taken of the grandkids and getting them printed into a photo book?you could also compile artwork the kids have made from the year, photograph them and print it as an annual for the year.

My favourite gifts are things like cardigans and socks. They end up getting holes or stains about every year or so, so a new cardigan is nice at Christmas. Shoes would be even better since I wear mine out regularly but I guess people aren't interested in buying shoes as gifts.

OtherJen

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Re: Mustachian People Problems (just for fun)
« Reply #6952 on: November 20, 2019, 08:54:18 PM »
1.  When your starter home is so small that people think you're poor and need help.  Meanwhile you have empty drawers and cabinets because you don't own enough stuff to fill them.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.

5.  When people feel bad for you because you don't eat out daily, but your homecooked meals are less expensive and much tastier than restaurant food.  Bonus points for having your husband and kids grateful for all of the wonderful meals.  Extra bonus points when the kids are on vacation with the grandparents and they text you and beg you to make something special when they get home, because they feel sick from eating out.

Yep. Pretty sure most of our friends think that weíre poor because weíve stayed in our tiny starter house in a very working-class area for 16 years, I work as a freelance contractor, and husband works in retail. They donít know that we have 6 figures in investments alone, and no debt other than $52K on our mortgage. Itís both frustrating and amusing.

And yes, we love our $250 camping vacations and home-cooked, mostly from-scratch meals. We spent $1400 on a fancier vacation this fall, with lots of restaurant meals, and paid it off in full when the bills arrived. And we were very glad to come home to our own kitchen.

OtherJen

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Re: Mustachian People Problems (just for fun)
« Reply #6953 on: November 20, 2019, 09:03:14 PM »
I'm fucking sick of my mom buying me gifts.  Every year it's the same thing, what do you want for christmas?  Nothing mom! I am financially stable! If I want any material items in the gift price range I will just go buy them because I have hundreds of thousands of dollars and can afford my own socks! If I don't own something it's because I don't want it! Stop wasting your money on things I have to throw out later! If you really insist, why don't you do something nice like invite us over for dinner? Or come hang out with your grandchild?

Every year I still get some kind of gift.  At least at this point it's a gift card to a restaurant or something.  Even then it's like you took $50 that would be accepted literally anywhere in the world and exchanged it for a $50 card that is only redeemable at texas roadhouse.  Thanks?

Wow, don't hold back--tell us how you really feel! 

Here's an idea, and I'm just throwing it out there:  what if you start a list of inexpensive things each year that you would not mind receiving, specifically to give to your mother? 

Think of it as a gift to her.

Ideas:
-books (regular, kindle or audio)
-"special" foods, such as catalog-based fruit/cheese/candy boxes (personally, I like Harry & David pears)
-toiletries (you could probably use a small manicure set)
-travel items (especially if they fold up so you can put them away), like an inflatable pillow
-scarves/hats/gloves (winter, after all)
-note cards (to send handwritten thank you notes, especially to your mom)

Good idea TVRodriguez! Makes a lot of sense. Frugalnacho, my Mom did the same thing every year and it did drive me nuts. But she LOVED Christmas and I would give her a small list which she inflated by 200%. It gave her so much joy. She is no longer with me and Christmas really is pretty meaningless to me now. I now realize even though I didn't want anything, it was important to her. She wanted to give and bring happiness. Throw your mother a bone and give her some ideas. Make HER happy. It isn't really about you. Be kind, your mother won't be around forever. I am sure there is something nice you could put on your list starting with TVRodriguez ideas. How about a really nice pen to write with? New quilt for your bed. Maybe you could think of a set of tools where she adds one or two each year. Yes, you can buy this stuff yourself but remember, your mom wants to put a smile on your face. I hope you are generous to her since you have lots of money.

Yea I get that, but I would prefer she just do something nice.  If you really insist on spending money just buy a nice piece of meat (like a rib roast) and cook us dinner.  We would really enjoy that and would also get to spend some time together enjoying a nice meal that we don't normally get to eat.  Win-win.  What I don't need is special wine glasses when I don't drink wine.  Or charms to put on said wine glasses.  Or some piece of cheap jewelry that I will never wear because I hate jewelry.  I know she enjoys giving me something, but the vast majority of things I get from her are complete junk that I don't need.  I would prefer she spends it taking us out, or cooking us dinner, or just taking care of themselves financially so that I don't have to.

I certainly understand this. My parents and in-laws really enjoy giving. It definitely makes things easier and more fun if we provide a few ideas.

Last year, my very favorite gift was the annual metroparks pass ($35) I had suggested to my in-laws as a potential gift idea. My father-in-law got a kick out of ordering it, as he never would have thought of it, and Iíve enjoyed using it so many times this year. I also asked my parents for a good quality notebook for bullet journaling ($20), and have enjoyed using that. My sister-in-law wants gift ideas for this year, and I plan to suggest fancy coffee beans, cheeses, or cooking oils/vinegars (she has good local suppliers).

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6954 on: November 21, 2019, 12:30:00 AM »
I was just talking about this with my mom and stepdad...who also don't love gifts, but my two sisters insist on bringing gifts each Christmas for everyone, even though we all agreed that we'd only do gifts for the kids (grandkids).  One or both of them break the agreement *every year*. 

And I get that some people's love language is gifts.  But there has to be a better way than just finding the worst junk from the Dollar Store.  With my sisters they don't ask for a list, they just buy theme gifts (like last year it was all the women got serapes or everyone got a heart-shaped pancake pan).  My stepdad apparently just told them if they brought something he'd put it straight in the donation box.  Sounds like they were disgruntled but agreed (again).  We shall see.  I would like to think of some way to let them have their satisfaction of giving gifts without us having to be so burdened by it (we fly in, so have to make extra room in our luggage for stuff we do not want at all), not to mention the financial and environmental impacts.  But haven't found a solution yet.

Every year, FIL gives me several paper books. I do like reading and those are good novels. But I've told him I prefer to read on a Kindle and send him my Kindle wish list (and environment, less paper). But you can't put Kindle books under the Christmas tree. Therefore I get a pile of books that I need to take home on the plane with a minimum of luggage, because you pay for each suitcase and I am a cheapskate. It is difficult to get people to change. At least now I try to ask for things that I need, like last year, a small sauce pan.

But a heart-shaped pancake pan... No one in their right mind would even give anyone such a nonsense thing.

SheWhoWalksAtLunch

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Re: Mustachian People Problems (just for fun)
« Reply #6955 on: November 21, 2019, 07:46:32 AM »
Gift Giving discussion - What many people replying to frugalnacho in this thread are forgetting, or may be lucky enough to have never experienced, is: some people out there weaponize gift giving. 

item you don't need? - coded message - you are expected to change your diet, outfit, life style to better conform to the gift giver's expectations of how you will perform your life for them.

item you don't want? - sabotage - stop doing the thing that makes you happy/healthy and do this thing we think you should do instead

item after you've clearly stated no more items please? - power play - the giver decides their feelings are more important than the recipients feelings

expensive item? - entrapment - you must now thank the giver and feel beholden/smaller/weaker because they did so much for you even though you didn't want them to

If you've never encountered weaponized gift giving in the wild, good for you, but please don't forget some of us deal with people who turn holiday gift giving into a dread filled morass of unwanted obligations. Suggesting alternate gifts to these givers just feeds into their twisted enjoyment of giving unwanted items.

Note: This isn't to suggest that frugalnacho's mother is weaponizing her gifts, I don't know either of them personally.  Its just a reminder that "just do this helpful thing" isn't always a solution when people share their frustrations in respect to a specific situation.

cupcakery

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Re: Mustachian People Problems (just for fun)
« Reply #6956 on: November 21, 2019, 08:12:08 AM »
1.  When your starter home is so small that people think you're poor and need help.  Meanwhile you have empty drawers and cabinets because you don't own enough stuff to fill them.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.

5.  When people feel bad for you because you don't eat out daily, but your homecooked meals are less expensive and much tastier than restaurant food.  Bonus points for having your husband and kids grateful for all of the wonderful meals.  Extra bonus points when the kids are on vacation with the grandparents and they text you and beg you to make something special when they get home, because they feel sick from eating out.

Yep. Pretty sure most of our friends think that weíre poor because weíve stayed in our tiny starter house in a very working-class area for 16 years, I work as a freelance contractor, and husband works in retail. They donít know that we have 6 figures in investments alone, and no debt other than $52K on our mortgage. Itís both frustrating and amusing.

And yes, we love our $250 camping vacations and home-cooked, mostly from-scratch meals. We spent $1400 on a fancier vacation this fall, with lots of restaurant meals, and paid it off in full when the bills arrived. And we were very glad to come home to our own kitchen.

I let people think what they want, especially with coworkers, since I'd rather they think I'm poor, but sometimes it bugs me.   Some days I laugh myself to the bank.  Depends on my mood.  :-)


sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #6958 on: November 21, 2019, 10:23:35 AM »
The MPP on my mind right now is that I saved up tons of money to RE, including a $12,000 annual travel budget, and a year and a half out from REing, I...am not so enthusiastic about making travel plans for next year. 

A big contributor is the truly horrible, godawful, horrifying experiences I had flying this year.  But even planning road trips or other non-airplane travel is not catching my imagination right now.  A few years ago, I was planning constant trips and didn't mind going solo most of the time - Svalbard/the Arctic Circle, Sri Lanka, a month hiking in Patagonia, trekking the Annapurna Circuit in Nepal and hiking in the Romanian Alps (both with a trekking group).  Now, it's just not ringing my bell.  I think I'll just stay home most of 2020, maybe do some local backpacking trips, and hope my wanderlust returns in future years. 

solon

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Re: Mustachian People Problems (just for fun)
« Reply #6959 on: November 21, 2019, 10:29:43 AM »
The MPP on my mind right now is that I saved up tons of money to RE, including a $12,000 annual travel budget, and a year and a half out from REing, I...am not so enthusiastic about making travel plans for next year. 

A big contributor is the truly horrible, godawful, horrifying experiences I had flying this year.  But even planning road trips or other non-airplane travel is not catching my imagination right now.  A few years ago, I was planning constant trips and didn't mind going solo most of the time - Svalbard/the Arctic Circle, Sri Lanka, a month hiking in Patagonia, trekking the Annapurna Circuit in Nepal and hiking in the Romanian Alps (both with a trekking group).  Now, it's just not ringing my bell.  I think I'll just stay home most of 2020, maybe do some local backpacking trips, and hope my wanderlust returns in future years.

I'm monstrously jealous that you have to make these decisions.

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #6960 on: November 21, 2019, 10:59:57 AM »
The MPP on my mind right now is that I saved up tons of money to RE, including a $12,000 annual travel budget, and a year and a half out from REing, I...am not so enthusiastic about making travel plans for next year. 

A big contributor is the truly horrible, godawful, horrifying experiences I had flying this year.  But even planning road trips or other non-airplane travel is not catching my imagination right now.  A few years ago, I was planning constant trips and didn't mind going solo most of the time - Svalbard/the Arctic Circle, Sri Lanka, a month hiking in Patagonia, trekking the Annapurna Circuit in Nepal and hiking in the Romanian Alps (both with a trekking group).  Now, it's just not ringing my bell.  I think I'll just stay home most of 2020, maybe do some local backpacking trips, and hope my wanderlust returns in future years.

My condolences sui generis. Fear of loosing my wanderlust with age was one of the reasons I "retired" the first time before I reached FI. I traveled to several of the places on your list during that year. If you decide you'd like to see the other side of the Arctic Circle, I live in Alaska and like meeting Mustachians who wander up here.

fredbear

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Re: Mustachian People Problems (just for fun)
« Reply #6961 on: November 21, 2019, 11:35:00 AM »
...If you've never encountered weaponized gift giving in the wild, good for you, but please don't forget some of us deal with people who turn holiday gift giving into a dread filled morass of unwanted obligations. Suggesting alternate gifts to these givers just feeds into their twisted enjoyment of giving unwanted items.

...

Excellent post.  There was never a gift from Old Mrs Fredbear that didn't require decoding.  "What did she mean by sending the parka with the sleeve sewed shut?"  That decoding was exactly what she wanted: some neurotic triangulated involvement with her family, where "family" was understood to span all living generations, that she could play off against one another.  I got sick of it.

We all probably continue more family dysfunction than we want or even know, but you get to make some decisions that extricate you from neurotic family involvement and the one I made for my generation of fredbears is that

1) everyone provides a gift list comprising links to Amazon or other online items they actually want,
2) the list has to span 2 orders of cost, ie, there have to be items in the $10s for the family members still in school, up to $1000s for the rich ones, and
3) backchannel, you have to tell the others what you got for X, to avoid duplication.

This has, as I experience it, 2 advantages.  1) It is nearly impossible to buy competently for an expert hobbyist.  No way you can hit on the right fly pattern, or feather type, or quilt pattern download, or latin text; this lets your gift be usable.  2) It brings you a step closer to confronting family neuroses directly rather than by proxy.

La Bibliotecaria Feroz

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Re: Mustachian People Problems (just for fun)
« Reply #6962 on: November 21, 2019, 01:23:25 PM »
...
If you've never encountered weaponized gift giving in the wild, good for you, but please don't forget some of us deal with people who turn holiday gift giving into a dread filled morass of unwanted obligations. Suggesting alternate gifts to these givers just feeds into their twisted enjoyment of giving unwanted items.
...

There was a Captain Awkward post about this very thing today, and it had a very entertaining divergence into Emily Post.

https://captainawkward.com/2019/11/20/1237-what-to-do-about-deliberately-bad-gifts-a-post-about-letting-go-of-some-etiquette-rules-when-they-no-longer-serve/

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #6963 on: November 22, 2019, 09:36:01 AM »
This year I made the call to sell some investments to pay off the mortgage.  This was the right call for our family and I don't need to re-hash the debate of whether this is a good move or a bad move.

MP: I'll probably owe a small amount (net) in taxes this year due to capital gains.  Since I categorize any tax refunds as "other income" (since it's usually a refund), my financial tracking spreadsheets will have an annoying row of negative income for all of 2020.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6964 on: November 22, 2019, 10:18:02 AM »
This year I made the call to sell some investments to pay off the mortgage.  This was the right call for our family and I don't need to re-hash the debate of whether this is a good move or a bad move.

MP: I'll probably owe a small amount (net) in taxes this year due to capital gains.  Since I categorize any tax refunds as "other income" (since it's usually a refund), my financial tracking spreadsheets will have an annoying row of negative income for all of 2020.

It's a bad move, but whatever. You're categorizing your tax refunds wrong. A tax refund should be decreasing your tax expense for the year. Then if you owe money when you file taxes it just increases your tax expense category. At no time should adjustments to how much you pay in tax be categorized as income, that's just weird.

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #6965 on: November 22, 2019, 12:39:19 PM »
This year I made the call to sell some investments to pay off the mortgage.  This was the right call for our family and I don't need to re-hash the debate of whether this is a good move or a bad move.

MP: I'll probably owe a small amount (net) in taxes this year due to capital gains.  Since I categorize any tax refunds as "other income" (since it's usually a refund), my financial tracking spreadsheets will have an annoying row of negative income for all of 2020.

It's a bad move, but whatever. You're categorizing your tax refunds wrong. A tax refund should be decreasing your tax expense for the year. Then if you owe money when you file taxes it just increases your tax expense category. At no time should adjustments to how much you pay in tax be categorized as income, that's just weird.

I don't break out gross pay / payroll taxes / income taxes as separate expenses.  I tried that, and taxes ended up being 70%+ of my expenses, so it made it harder to track all my other expenses.  I just book my net paycheck as income.

I view tax refunds or expense as an adjustment to my net pay, hence the income categorization.

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #6966 on: November 22, 2019, 01:43:30 PM »
This year I made the call to sell some investments to pay off the mortgage.  This was the right call for our family and I don't need to re-hash the debate of whether this is a good move or a bad move.

MP: I'll probably owe a small amount (net) in taxes this year due to capital gains.  Since I categorize any tax refunds as "other income" (since it's usually a refund), my financial tracking spreadsheets will have an annoying row of negative income for all of 2020.

It's a bad move, but whatever. You're categorizing your tax refunds wrong. A tax refund should be decreasing your tax expense for the year. Then if you owe money when you file taxes it just increases your tax expense category. At no time should adjustments to how much you pay in tax be categorized as income, that's just weird.

I don't break out gross pay / payroll taxes / income taxes as separate expenses.  I tried that, and taxes ended up being 70%+ of my expenses, so it made it harder to track all my other expenses.  I just book my net paycheck as income.

I view tax refunds or expense as an adjustment to my net pay, hence the income categorization.
Yep.  I find it seriously weird that anyone wouldn't do it that way with direct taxes.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6967 on: November 22, 2019, 02:30:55 PM »
This year I made the call to sell some investments to pay off the mortgage.  This was the right call for our family and I don't need to re-hash the debate of whether this is a good move or a bad move.

MP: I'll probably owe a small amount (net) in taxes this year due to capital gains.  Since I categorize any tax refunds as "other income" (since it's usually a refund), my financial tracking spreadsheets will have an annoying row of negative income for all of 2020.

It's a bad move, but whatever. You're categorizing your tax refunds wrong. A tax refund should be decreasing your tax expense for the year. Then if you owe money when you file taxes it just increases your tax expense category. At no time should adjustments to how much you pay in tax be categorized as income, that's just weird.

I don't break out gross pay / payroll taxes / income taxes as separate expenses.  I tried that, and taxes ended up being 70%+ of my expenses, so it made it harder to track all my other expenses.  I just book my net paycheck as income.

I view tax refunds or expense as an adjustment to my net pay, hence the income categorization.
Yep.  I find it seriously weird that anyone wouldn't do it that way with direct taxes.
I tend to prioritize correctness in my accounting. So I split my paycheck into net pay, federal tax, medicare tax, social security tax, state tax, 401k contribution, HSA contribution, and health insurance. This way my gross income is correct and everything will match my W2. When generating reports on my expenses it is easy to exclude income taxes if I want because they are all under the same subcategory so it doesn't cause any problems that they make up 41% of my total expenses.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6968 on: November 22, 2019, 03:35:06 PM »
This year I made the call to sell some investments to pay off the mortgage.  This was the right call for our family and I don't need to re-hash the debate of whether this is a good move or a bad move.

MP: I'll probably owe a small amount (net) in taxes this year due to capital gains.  Since I categorize any tax refunds as "other income" (since it's usually a refund), my financial tracking spreadsheets will have an annoying row of negative income for all of 2020.

It's a bad move, but whatever. You're categorizing your tax refunds wrong. A tax refund should be decreasing your tax expense for the year. Then if you owe money when you file taxes it just increases your tax expense category. At no time should adjustments to how much you pay in tax be categorized as income, that's just weird.

I don't break out gross pay / payroll taxes / income taxes as separate expenses.  I tried that, and taxes ended up being 70%+ of my expenses, so it made it harder to track all my other expenses.  I just book my net paycheck as income.

I view tax refunds or expense as an adjustment to my net pay, hence the income categorization.
Yep.  I find it seriously weird that anyone wouldn't do it that way with direct taxes.

Yeah thatís what I do too.  Itís just not important to me what my ďtax expenseĒ is independent of income, since itís always tied to income.  I count the property taxes as housing expenses.

RWD, do you also track sales tax separate from purchases? That would be extremely correct

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6969 on: November 22, 2019, 04:57:16 PM »
RWD, do you also track sales tax separate from purchases? That would be extremely correct

Yes, I do.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6970 on: November 22, 2019, 07:14:29 PM »
RWD, do you also track sales tax separate from purchases? That would be extremely correct

Yes, I do.

I think you probably arenít getting a good return on your time there, but at least you are consistent

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6971 on: November 22, 2019, 08:14:24 PM »
RWD, do you also track sales tax separate from purchases? That would be extremely correct

Yes, I do.

I think you probably arenít getting a good return on your time there, but at least you are consistent

Yeah, although it is neat to see the breakdown I've never deducted sales tax on my tax return so it doesn't have much practical use. I've been doing it for nearly eight years now so it's kinda second nature. Fortunately GnuCash auto-populates your splits using the last transaction with the same description so for my paychecks there is almost no continued effort to do the detailed splits and for things like sales tax on grocery shopping it's just a matter of changing the values.

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Re: Mustachian People Problems (just for fun)
« Reply #6972 on: November 24, 2019, 05:28:04 AM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.


Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.

cupcakery

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Re: Mustachian People Problems (just for fun)
« Reply #6973 on: November 24, 2019, 06:28:04 AM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.




Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.


We often go for a short getaway or give the kids tickets to things like snow tubing parks or shows.  They seem to enjoy that a lot more than stuff, but trying to come up with something every year stresses me out!  That is super cute about the tree and cookies. 

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Re: Mustachian People Problems (just for fun)
« Reply #6974 on: November 24, 2019, 07:32:16 AM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.




Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.


We often go for a short getaway or give the kids tickets to things like snow tubing parks or shows.  They seem to enjoy that a lot more than stuff, but trying to come up with something every year stresses me out!  That is super cute about the tree and cookies.

I love 4 year olds!!! When asked what he wanted for his birthday, mine replied "we can eat birthday cake and someone will take my picture"

Teachstache

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Re: Mustachian People Problems (just for fun)
« Reply #6975 on: November 24, 2019, 02:35:28 PM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.




Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.


We often go for a short getaway or give the kids tickets to things like snow tubing parks or shows.  They seem to enjoy that a lot more than stuff, but trying to come up with something every year stresses me out!  That is super cute about the tree and cookies.

I love 4 year olds!!! When asked what he wanted for his birthday, mine replied "we can eat birthday cake and someone will take my picture"

@ Aunt Petunia, sounds about right for a 4 year old 😊

Aunt Petunia

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Re: Mustachian People Problems (just for fun)
« Reply #6976 on: November 24, 2019, 05:42:42 PM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.




Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.


We often go for a short getaway or give the kids tickets to things like snow tubing parks or shows.  They seem to enjoy that a lot more than stuff, but trying to come up with something every year stresses me out!  That is super cute about the tree and cookies.

I love 4 year olds!!! When asked what he wanted for his birthday, mine replied "we can eat birthday cake and someone will take my picture"

@ Aunt Petunia, sounds about right for a 4 year old 😊

I asked him about Christmas earlier and he wants a pencil and an orange and a sock.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6977 on: November 24, 2019, 11:11:00 PM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.




Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.


We often go for a short getaway or give the kids tickets to things like snow tubing parks or shows.  They seem to enjoy that a lot more than stuff, but trying to come up with something every year stresses me out!  That is super cute about the tree and cookies.

I love 4 year olds!!! When asked what he wanted for his birthday, mine replied "we can eat birthday cake and someone will take my picture"

@ Aunt Petunia, sounds about right for a 4 year old 😊

I asked him about Christmas earlier and he wants a pencil and an orange and a sock.

Just one sock?

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6978 on: November 24, 2019, 11:35:13 PM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.




Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.


We often go for a short getaway or give the kids tickets to things like snow tubing parks or shows.  They seem to enjoy that a lot more than stuff, but trying to come up with something every year stresses me out!  That is super cute about the tree and cookies.

I love 4 year olds!!! When asked what he wanted for his birthday, mine replied "we can eat birthday cake and someone will take my picture"

@ Aunt Petunia, sounds about right for a 4 year old 😊

I asked him about Christmas earlier and he wants a pencil and an orange and a sock.

Just one sock?
Of course. It's to hold the orange and the pencil.

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6979 on: November 25, 2019, 03:51:00 PM »

Poundwise

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Re: Mustachian People Problems (just for fun)
« Reply #6980 on: November 25, 2019, 04:11:09 PM »
Quote from: frugalnacho link=topic=20725.msg2501305#msg2501305
Yea I get that, but I would prefer she just do something nice.  If you really insist on spending money just buy a nice piece of meat (like a rib roast) and cook us dinner.  We would really enjoy that and would also get to spend some time together enjoying a nice meal that we don't normally get to eat.  Win-win.  What I don't need is special wine glasses when I don't drink wine.  Or charms to put on said wine glasses.  Or some piece of cheap jewelry that I will never wear because I hate jewelry.  I know she enjoys giving me something, but the vast majority of things I get from her are complete junk that I don't need. I would prefer she spends it taking us out, or cooking us dinner, or just taking care of themselves financially so that I don't have to.

I think the reason she is giving you this stuff is because she doesn't know what else to give. Give her a list and you'll probably find the quality of her gifts improving.

Just seeing frugalnacho's post... I can think of other reasons why people give gifts that other people don't like.  I have a relative who gives gifts that she bought for herself but then decided she didn't like; or because she enjoys the experience of shopping in certain stores; or enjoys the experience of getting a bargain.  It's frustrating when the gift is more about the giver than the giftee.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6981 on: November 25, 2019, 11:07:10 PM »
Quote from: frugalnacho link=topic=20725.msg2501305#msg2501305
Yea I get that, but I would prefer she just do something nice.  If you really insist on spending money just buy a nice piece of meat (like a rib roast) and cook us dinner.  We would really enjoy that and would also get to spend some time together enjoying a nice meal that we don't normally get to eat.  Win-win.  What I don't need is special wine glasses when I don't drink wine.  Or charms to put on said wine glasses.  Or some piece of cheap jewelry that I will never wear because I hate jewelry.  I know she enjoys giving me something, but the vast majority of things I get from her are complete junk that I don't need. I would prefer she spends it taking us out, or cooking us dinner, or just taking care of themselves financially so that I don't have to.

I think the reason she is giving you this stuff is because she doesn't know what else to give. Give her a list and you'll probably find the quality of her gifts improving.

Just seeing frugalnacho's post... I can think of other reasons why people give gifts that other people don't like.  I have a relative who gives gifts that she bought for herself but then decided she didn't like; or because she enjoys the experience of shopping in certain stores; or enjoys the experience of getting a bargain.  It's frustrating when the gift is more about the giver than the giftee.

Oh ugh this. I had an ex boyfriend who used to be like that. He'd give  me his favorite cookies (that he knew I didn't like much) as a present or would take me out for brunch to a restaurant he was excited about even though they served food that I didn't care about.

AnnaGrowsAMustache

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Re: Mustachian People Problems (just for fun)
« Reply #6982 on: November 25, 2019, 11:20:45 PM »
Quote from: frugalnacho link=topic=20725.msg2501305#msg2501305
Yea I get that, but I would prefer she just do something nice.  If you really insist on spending money just buy a nice piece of meat (like a rib roast) and cook us dinner.  We would really enjoy that and would also get to spend some time together enjoying a nice meal that we don't normally get to eat.  Win-win.  What I don't need is special wine glasses when I don't drink wine.  Or charms to put on said wine glasses.  Or some piece of cheap jewelry that I will never wear because I hate jewelry.  I know she enjoys giving me something, but the vast majority of things I get from her are complete junk that I don't need. I would prefer she spends it taking us out, or cooking us dinner, or just taking care of themselves financially so that I don't have to.

I think the reason she is giving you this stuff is because she doesn't know what else to give. Give her a list and you'll probably find the quality of her gifts improving.

Just seeing frugalnacho's post... I can think of other reasons why people give gifts that other people don't like.  I have a relative who gives gifts that she bought for herself but then decided she didn't like; or because she enjoys the experience of shopping in certain stores; or enjoys the experience of getting a bargain.  It's frustrating when the gift is more about the giver than the giftee.

Oh ugh this. I had an ex boyfriend who used to be like that. He'd give  me his favorite cookies (that he knew I didn't like much) as a present or would take me out for brunch to a restaurant he was excited about even though they served food that I didn't care about.

I think that's quite a juvenile way of thinking. A little friend who's 4, told his teacher that his dad was REALLY into dinosaurs and that dad's whole life was about dinosaurs, dad's job is dinosaurs, dad knows all the dinosaurs etc etc. The teacher asked dad about it, with the idea that a paleontologist might come and talk to the kids. So, no....., dad's a tradesman, and the 4 year old is just really obsessed by dinosaurs.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6983 on: November 26, 2019, 02:42:09 AM »
My dad is a dinosaur. 

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6984 on: November 26, 2019, 04:37:24 AM »
Quote from: frugalnacho link=topic=20725.msg2501305#msg2501305
Yea I get that, but I would prefer she just do something nice.  If you really insist on spending money just buy a nice piece of meat (like a rib roast) and cook us dinner.  We would really enjoy that and would also get to spend some time together enjoying a nice meal that we don't normally get to eat.  Win-win.  What I don't need is special wine glasses when I don't drink wine.  Or charms to put on said wine glasses.  Or some piece of cheap jewelry that I will never wear because I hate jewelry.  I know she enjoys giving me something, but the vast majority of things I get from her are complete junk that I don't need. I would prefer she spends it taking us out, or cooking us dinner, or just taking care of themselves financially so that I don't have to.

I think the reason she is giving you this stuff is because she doesn't know what else to give. Give her a list and you'll probably find the quality of her gifts improving.

Just seeing frugalnacho's post... I can think of other reasons why people give gifts that other people don't like.  I have a relative who gives gifts that she bought for herself but then decided she didn't like; or because she enjoys the experience of shopping in certain stores; or enjoys the experience of getting a bargain.  It's frustrating when the gift is more about the giver than the giftee.

Oh ugh this. I had an ex boyfriend who used to be like that. He'd give  me his favorite cookies (that he knew I didn't like much) as a present or would take me out for brunch to a restaurant he was excited about even though they served food that I didn't care about.

Did you date my ex-husband?

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6985 on: November 26, 2019, 04:49:44 AM »
Quote from: frugalnacho link=topic=20725.msg2501305#msg2501305
Yea I get that, but I would prefer she just do something nice.  If you really insist on spending money just buy a nice piece of meat (like a rib roast) and cook us dinner.  We would really enjoy that and would also get to spend some time together enjoying a nice meal that we don't normally get to eat.  Win-win.  What I don't need is special wine glasses when I don't drink wine.  Or charms to put on said wine glasses.  Or some piece of cheap jewelry that I will never wear because I hate jewelry.  I know she enjoys giving me something, but the vast majority of things I get from her are complete junk that I don't need. I would prefer she spends it taking us out, or cooking us dinner, or just taking care of themselves financially so that I don't have to.

I think the reason she is giving you this stuff is because she doesn't know what else to give. Give her a list and you'll probably find the quality of her gifts improving.

Just seeing frugalnacho's post... I can think of other reasons why people give gifts that other people don't like.  I have a relative who gives gifts that she bought for herself but then decided she didn't like; or because she enjoys the experience of shopping in certain stores; or enjoys the experience of getting a bargain.  It's frustrating when the gift is more about the giver than the giftee.

Oh ugh this. I had an ex boyfriend who used to be like that. He'd give  me his favorite cookies (that he knew I didn't like much) as a present or would take me out for brunch to a restaurant he was excited about even though they served food that I didn't care about.

Did you date my ex-husband?

Or my dad... Who once gave my mum a toastie maker for her birthday while she was the only member of the family who doesn't like toasties. He didn't even get why she was annoyed - the old one broke down so the family needed a new one right? She should have given him a new iron for his birthday...

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6986 on: November 26, 2019, 04:51:58 AM »
3.  When it is Christmas and your kids can't think of anything to add to their Christmas lists, but you really want to give them a present, so you have to be creative and give them an experience.  Very stressful.

4.  When everyone at work goes to Disney every year and feels bad for you because you didn't go and then talks about all of their debt payments.  Meanwhile you cash flowed a wonderful vacation that cost significantly less and your kids can't stop talking about how much they enjoyed it.


Spouse and I both have time off between Christmas and New Year's every year. Combined with our son's school break, this equates to a great time to take an off season vacation to see family. We plan to see 4 national parks & his cousins between Dec 26 & January 4th. This is my bucket list vacation, not Disney.

Many people have been asking 4 year old son what he wants for Christmas. His answer: a Christmas tree & Christmas cookies, and seeing his cousins. They keep asking him, "no but what things do you want?" After a long pause, he responds with "I want to buy more books at the library." Such simple wishes.

We are traveling at xmas this year.  Not doing Disney (now or ever if I can help it), but NYC is probably a close second when it comes to xmas touristy shit.  It just kind of works out that we can take our big trips about every 18 months so xmas break is a nice time to do it. 

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6987 on: November 26, 2019, 06:54:10 AM »
My most recent MPP:

We work overseas and DHís salary is paid in the local currency. Every once in a while we transfer the funds (whatever we donít spend) via a money exchange service back to our home country. We try not to transfer too often because one of my family members needs to travel to the exchange office in my home country to collect the funds, which is a hassle.

My MPP is that we save so much that the transfers are quite frequent, and now my sister is annoyed with me because she has to drive to the exchange office so often. Mustachianism is ruining my relationship with my siblings.

ETA: Itís ok though. Iíve promised to buy her a condo once she graduates.
« Last Edit: November 26, 2019, 06:57:28 AM by Freedomin5 »

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6988 on: November 26, 2019, 07:04:50 AM »
My most recent MPP:

We work overseas and DHís salary is paid in the local currency. Every once in a while we transfer the funds (whatever we donít spend) via a money exchange service back to our home country. We try not to transfer too often because one of my family members needs to travel to the exchange office in my home country to collect the funds, which is a hassle.

My MPP is that we save so much that the transfers are quite frequent, and now my sister is annoyed with me because she has to drive to the exchange office so often. Mustachianism is ruining my relationship with my siblings.

ETA: Itís ok though. Iíve promised to buy her a condo once she graduates.

Just transfer larger amounts less frequently. Or figure out a different method of transferring that doesn't require someone to go to the exhange office.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6989 on: November 26, 2019, 07:20:31 AM »
My most recent MPP:

We work overseas and DHís salary is paid in the local currency. Every once in a while we transfer the funds (whatever we donít spend) via a money exchange service back to our home country. We try not to transfer too often because one of my family members needs to travel to the exchange office in my home country to collect the funds, which is a hassle.

My MPP is that we save so much that the transfers are quite frequent, and now my sister is annoyed with me because she has to drive to the exchange office so often. Mustachianism is ruining my relationship with my siblings.

ETA: Itís ok though. Iíve promised to buy her a condo once she graduates.

Just transfer larger amounts less frequently. Or figure out a different method of transferring that doesn't require someone to go to the exhange office.

I donít like keeping large amounts of cash in a country that reserves the right to confiscate my accounts at any time. And the method that doesnít require the exchange office involves a three-hour visit to the local bank with eight million pieces of documentation that may or may not be accepted depending on the bank officer that day and interviews in a language that I donít speak well. And because many branches donít do these types of transfers, thereís no guarantee that the funds will actually arrive in my home country account. Trust me, having my sister drive 20 minutes once a month is the path of least resistance.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6990 on: November 26, 2019, 08:28:50 AM »
My most recent MPP:

We work overseas and DHís salary is paid in the local currency. Every once in a while we transfer the funds (whatever we donít spend) via a money exchange service back to our home country. We try not to transfer too often because one of my family members needs to travel to the exchange office in my home country to collect the funds, which is a hassle.

My MPP is that we save so much that the transfers are quite frequent, and now my sister is annoyed with me because she has to drive to the exchange office so often. Mustachianism is ruining my relationship with my siblings.

ETA: Itís ok though. Iíve promised to buy her a condo once she graduates.

Just transfer larger amounts less frequently. Or figure out a different method of transferring that doesn't require someone to go to the exhange office.

I donít like keeping large amounts of cash in a country that reserves the right to confiscate my accounts at any time. And the method that doesnít require the exchange office involves a three-hour visit to the local bank with eight million pieces of documentation that may or may not be accepted depending on the bank officer that day and interviews in a language that I donít speak well. And because many branches donít do these types of transfers, thereís no guarantee that the funds will actually arrive in my home country account. Trust me, having my sister drive 20 minutes once a month is the path of least resistance.

Ok, that's fair. Then perhaps you need to start paying your sister. She is potentially saving you a lot of money after all.

EscapedApe

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Re: Mustachian People Problems (just for fun)
« Reply #6991 on: November 26, 2019, 01:05:27 PM »
Gift Giving discussion - What many people replying to frugalnacho in this thread are forgetting, or may be lucky enough to have never experienced, is: some people out there weaponize gift giving. 

item you don't need? - coded message - you are expected to change your diet, outfit, life style to better conform to the gift giver's expectations of how you will perform your life for them.

item you don't want? - sabotage - stop doing the thing that makes you happy/healthy and do this thing we think you should do instead

item after you've clearly stated no more items please? - power play - the giver decides their feelings are more important than the recipients feelings

expensive item? - entrapment - you must now thank the giver and feel beholden/smaller/weaker because they did so much for you even though you didn't want them to

If you've never encountered weaponized gift giving in the wild, good for you, but please don't forget some of us deal with people who turn holiday gift giving into a dread filled morass of unwanted obligations. Suggesting alternate gifts to these givers just feeds into their twisted enjoyment of giving unwanted items.

Good observation.

If you find yourself entangled with a person who uses gifts as weapons, your best bet is to close your embassy and suspend all negotiations until a cessation of hostilities can be agreed upon.

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #6992 on: November 26, 2019, 01:16:06 PM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #6993 on: November 26, 2019, 01:25:07 PM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

I end up making a new spreadsheet for everything instead of a new tab... Probably not the best organization system.

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #6994 on: November 26, 2019, 01:30:07 PM »
My most recent MPP:

We work overseas and DHís salary is paid in the local currency. Every once in a while we transfer the funds (whatever we donít spend) via a money exchange service back to our home country. We try not to transfer too often because one of my family members needs to travel to the exchange office in my home country to collect the funds, which is a hassle.

My MPP is that we save so much that the transfers are quite frequent, and now my sister is annoyed with me because she has to drive to the exchange office so often. Mustachianism is ruining my relationship with my siblings.

ETA: Itís ok though. Iíve promised to buy her a condo once she graduates.

That sounds like a very respectable solution!

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6995 on: November 26, 2019, 02:50:04 PM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

My MPP is that I just realized I had a problem.  My spreadsheet has 40 sheets...

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6996 on: November 26, 2019, 09:36:54 PM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

I end up making a new spreadsheet for everything instead of a new tab... Probably not the best organization system.
[/quote
I make a new spreadsheet for each row

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #6997 on: November 27, 2019, 03:04:00 AM »
Yeah? Well my spreadsheet is bigger than your spreadsheet!

;-)

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #6998 on: November 27, 2019, 05:10:00 AM »
I've been trying to re balance my taxable accounts since this summer when I decided to beef up my emergency cash by about $10,000 leaving them seriously out of alignment.  But none of my lots has a loss in them making any move between account a taxable event.  With the market on a tear right now any new money I put in isn't making a dent in the imbalance. 

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #6999 on: November 27, 2019, 08:41:17 AM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

My MPP is that I just realized I had a problem.  My spreadsheet has 40 sheets...

As the official Corporate Finance dweller, I declare your spreadsheet doesn't have a problem until it takes a full coffee break to recalculate.