Author Topic: Mustachian People Problems (just for fun)  (Read 1739312 times)

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5100 on: April 26, 2018, 12:43:10 PM »
I use an internet bank and the module "my economy" in that bank where I can follow my transactions.
I am starting to find it boring to use. Practically all my bills are paid automatically. Most of my transactions are registered automatically and correctly. Once or twice a month I buy some more index funds. But otherwise there is very little to do and to see. I spend so little at the moment, that even watching my transactions isn't very exciting.

Hahaha this sounds like my bank statements!

I have a good look at my online banking at the last day of the month to check if I have been payed and all the automated transfers to the joint account and investment account have gone through. Then I transfer the rest of the money except for €200 to a savings account.

I login maybe once a week to quickly check the balance, but the only things I ever seem to pay are groceries and the occasional bus or train ticket.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #5101 on: April 30, 2018, 07:30:40 AM »
I use an internet bank and the module "my economy" in that bank where I can follow my transactions.
I am starting to find it boring to use. Practically all my bills are paid automatically. Most of my transactions are registered automatically and correctly. Once or twice a month I buy some more index funds. But otherwise there is very little to do and to see. I spend so little at the moment, that even watching my transactions isn't very exciting.

Hahaha this sounds like my bank statements!

I have a good look at my online banking at the last day of the month to check if I have been payed and all the automated transfers to the joint account and investment account have gone through. Then I transfer the rest of the money except for €200 to a savings account.

I login maybe once a week to quickly check the balance, but the only things I ever seem to pay are groceries and the occasional bus or train ticket.

I didn't look into it for nearly 2 month. Got enough cash for a quarter for a reason, and I always get an email when the card is used. So there is nothing happening there I don't already know and nothing I have to control for this time span. 

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #5102 on: April 30, 2018, 02:46:22 PM »
I went to get my car washed today and handed over my punch card. I was pretty happy about it because I'm one punch away from a free wash. Well, the guy tells me, they haven't accepted those punch cards in like 1 1/2 or 2 years! I was like, "Are you telling me I haven't gotten my car washed in like 2 years?" I had to go home and check my mint records -- not as bad as 2 years, but it has actually been 9 months :-) Sounds like now I built up all those punches but will never get a free wash from them!!!

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5103 on: May 01, 2018, 01:36:58 AM »
I went to get my car washed today and handed over my punch card. I was pretty happy about it because I'm one punch away from a free wash. Well, the guy tells me, they haven't accepted those punch cards in like 1 1/2 or 2 years! I was like, "Are you telling me I haven't gotten my car washed in like 2 years?" I had to go home and check my mint records -- not as bad as 2 years, but it has actually been 9 months :-) Sounds like now I built up all those punches but will never get a free wash from them!!!

I still have a card from a clothing shop, giving me the 5th trousers for free. I got it when I bought three pairs. I asked the shop when the card would expire and the girl thought it wouldn't. Now we are a couple of years later and I still haven't bought my next pair. My next trouser pair will be made by DH and is almost finished.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5104 on: May 01, 2018, 02:52:57 AM »
I went to get my car washed today and handed over my punch card. I was pretty happy about it because I'm one punch away from a free wash. Well, the guy tells me, they haven't accepted those punch cards in like 1 1/2 or 2 years! I was like, "Are you telling me I haven't gotten my car washed in like 2 years?" I had to go home and check my mint records -- not as bad as 2 years, but it has actually been 9 months :-) Sounds like now I built up all those punches but will never get a free wash from them!!!

I still have a card from a clothing shop, giving me the 5th trousers for free. I got it when I bought three pairs. I asked the shop when the card would expire and the girl thought it wouldn't. Now we are a couple of years later and I still haven't bought my next pair. My next trouser pair will be made by DH and is almost finished.

Unless it has a printed expiration date I’d still make them give me the freebie.   This isn’t nam, there are rules

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #5105 on: May 03, 2018, 05:39:41 PM »
I may not be accepted into my local buy nothing group.  It had one of those answer these questions when applying. 

The first was do you realize you can't sell stuff here easy yes.  In the second, the snark came out, I admit.

page:  You realize this store is closed on Sunday?

Answer: Why, but OK.  I was just kind of annoyed at this, A) it's not a store and B) why the heck are you dictating if two people want to do a transaction at any particular time.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5106 on: May 03, 2018, 05:44:18 PM »
I may not be accepted into my local buy nothing group.  It had one of those answer these questions when applying. 

The first was do you realize you can't sell stuff here easy yes.  In the second, the snark came out, I admit.

page:  You realize this store is closed on Sunday?

Answer: Why, but OK.  I was just kind of annoyed at this, A) it's not a store and B) why the heck are you dictating if two people want to do a transaction at any particular time.

I wasn’t accepted and really consider the system to have excessive gatekeeping.  Donated to goodwill instead

Fresh Bread

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Re: Mustachian People Problems (just for fun)
« Reply #5107 on: May 03, 2018, 10:15:55 PM »
I may not be accepted into my local buy nothing group.  It had one of those answer these questions when applying. 

The first was do you realize you can't sell stuff here easy yes.  In the second, the snark came out, I admit.

page:  You realize this store is closed on Sunday?

Answer: Why, but OK.  I was just kind of annoyed at this, A) it's not a store and B) why the heck are you dictating if two people want to do a transaction at any particular time.

Wait, what? Are you not allowed to post stuff on the page on a Sunday? The day that people traditionally have time to sort through their shit and chuck stuff? My mind is blown. @HappierAtHome is there such a rule on your local group?!!

HappierAtHome

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Re: Mustachian People Problems (just for fun)
« Reply #5108 on: May 03, 2018, 11:25:40 PM »
I may not be accepted into my local buy nothing group.  It had one of those answer these questions when applying. 

The first was do you realize you can't sell stuff here easy yes.  In the second, the snark came out, I admit.

page:  You realize this store is closed on Sunday?

Answer: Why, but OK.  I was just kind of annoyed at this, A) it's not a store and B) why the heck are you dictating if two people want to do a transaction at any particular time.

Wait, what? Are you not allowed to post stuff on the page on a Sunday? The day that people traditionally have time to sort through their shit and chuck stuff? My mind is blown. @HappierAtHome is there such a rule on your local group?!!

Definitely not! Maybe it depends on how religious your local area is?! But I think it probably violates the rules of the overarching Buy Nothing admin group, which manages the local groups quite fiercely...

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #5109 on: May 04, 2018, 05:15:34 AM »
I would like to join Buy Nothing, but I believe you must create a Facebook account (?) which I will not do. 

I've subscribed to the local FreeCycle group, but it's not very active -- maybe one post every day or two.  So far our local Craigslist 'Free' section seems the best, but far from ideal.  :(

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #5110 on: May 04, 2018, 08:55:18 AM »
I may not be accepted into my local buy nothing group.  It had one of those answer these questions when applying. 

The first was do you realize you can't sell stuff here easy yes.  In the second, the snark came out, I admit.

page:  You realize this store is closed on Sunday?

Answer: Why, but OK.  I was just kind of annoyed at this, A) it's not a store and B) why the heck are you dictating if two people want to do a transaction at any particular time.

Wait, what? Are you not allowed to post stuff on the page on a Sunday? The day that people traditionally have time to sort through their shit and chuck stuff? My mind is blown. @HappierAtHome is there such a rule on your local group?!!

Definitely not! Maybe it depends on how religious your local area is?! But I think it probably violates the rules of the overarching Buy Nothing admin group, which manages the local groups quite fiercely...

That definitely sounds like it's not an official BNP group. Here's the official website: https://buynothingproject.org/ If they use the banner up top, and they're not an official group, please report them to an actual Buy Nothing group in your area- it's copyright violation, and a big problem right now. If it IS an official group, please ask who your regional admin is and send them a message. (Basically, if someone is listed on the admins and isn't your local admin, you can reach out to them- although you're unlikely to hear back from Rora, Shelley, or Liesl, since they're the global team).

Feel free to contact me if you have any questions or concerns with this! Unofficial offshoot groups impersonating the official thing are really impacting participation and perception of the project.

I would like to join Buy Nothing, but I believe you must create a Facebook account (?) which I will not do. 

I've subscribed to the local FreeCycle group, but it's not very active -- maybe one post every day or two.  So far our local Craigslist 'Free' section seems the best, but far from ideal.  :(

Yep, only through facebook.

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #5111 on: May 04, 2018, 08:22:14 PM »
I may not be accepted into my local buy nothing group.  It had one of those answer these questions when applying. 

The first was do you realize you can't sell stuff here easy yes.  In the second, the snark came out, I admit.

page:  You realize this store is closed on Sunday?

Answer: Why, but OK.  I was just kind of annoyed at this, A) it's not a store and B) why the heck are you dictating if two people want to do a transaction at any particular time.

Wait, what? Are you not allowed to post stuff on the page on a Sunday? The day that people traditionally have time to sort through their shit and chuck stuff? My mind is blown. @HappierAtHome is there such a rule on your local group?!!

Definitely not! Maybe it depends on how religious your local area is?! But I think it probably violates the rules of the overarching Buy Nothing admin group, which manages the local groups quite fiercely...

That definitely sounds like it's not an official BNP group. Here's the official website: https://buynothingproject.org/ If they use the banner up top, and they're not an official group, please report them to an actual Buy Nothing group in your area- it's copyright violation, and a big problem right now. If it IS an official group, please ask who your regional admin is and send them a message. (Basically, if someone is listed on the admins and isn't your local admin, you can reach out to them- although you're unlikely to hear back from Rora, Shelley, or Liesl, since they're the global team).

Feel free to contact me if you have any questions or concerns with this! Unofficial offshoot groups impersonating the official thing are really impacting participation and perception of the project.

I would like to join Buy Nothing, but I believe you must create a Facebook account (?) which I will not do. 

I've subscribed to the local FreeCycle group, but it's not very active -- maybe one post every day or two.  So far our local Craigslist 'Free' section seems the best, but far from ideal.  :(

Yep, only through facebook.

Hmm, looks like the group I asked to belong too is not the official.  It was much larger than the true buy nothing group from the posted link

Teachstache

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Re: Mustachian People Problems (just for fun)
« Reply #5112 on: May 05, 2018, 04:30:59 PM »
My dad had money in an account that he wanted to gift to me for the purpose of spending it on "fun." I told him that my fun didn't involve spending money. He insisted that it HAD to be spent on fun (it's $500 & a check). I am considering combining fitness, fun & family vacation & purchasing a single seater kayak (Airkayak) to pair with our 2 seater air kayak as well as a nice 4-6 person tent. If I buy items on clearance,  the $500 should cover both purchases. We purchased our backcountry camping equipment & 2 seater Airkayak before our 3 year old son was born. I still can't seem to pull the trigger on this purchase, though.

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #5113 on: May 05, 2018, 08:21:32 PM »
My dad had money in an account that he wanted to gift to me for the purpose of spending it on "fun." I told him that my fun didn't involve spending money. He insisted that it HAD to be spent on fun (it's $500 & a check). I am considering combining fitness, fun & family vacation & purchasing a single seater kayak (Airkayak) to pair with our 2 seater air kayak as well as a nice 4-6 person tent. If I buy items on clearance,  the $500 should cover both purchases. We purchased our backcountry camping equipment & 2 seater Airkayak before our 3 year old son was born. I still can't seem to pull the trigger on this purchase, though.
Ugh, that’s the “worst.” My boss did something similar with an Amazon gift card he insisted I spend on something “irresponsible.”  I stocked up on vacuum cleaner bags. Probably the least sexy thing I could buy on Amazon.

Paul der Krake

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Re: Mustachian People Problems (just for fun)
« Reply #5114 on: May 05, 2018, 09:04:01 PM »
Nah there is worse

Cali

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Re: Mustachian People Problems (just for fun)
« Reply #5115 on: May 05, 2018, 09:12:25 PM »
Ugh, that’s the “worst.” My boss did something similar with an Amazon gift card he insisted I spend on something “irresponsible.”  I stocked up on vacuum cleaner bags. Probably the least sexy thing I could buy on Amazon.

Hey, don't knock the appeal of a clean house.

:)

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5116 on: May 06, 2018, 01:17:28 AM »
Ugh, I hate it when gifts come with strings attached. My family does that too. They want me to "spoil myself" but whatever I want is just not good enough. And I hate perfume and spa treatments and make-up and new clothes (which is what they mean).

This is why my s/o and I don't exchange birthday or christmas gifts. The very first birthday we celebrated when we first got together was mine. He asked me what I wanted and I said I'd like a nice new wallet. By that time it was almost 15 years old and the zipper was damaged beyond repair. He flat out refused to give me a wallet because it was such a stupid gift. I said I didn't really want anything else. We then decided to never give each other gifts, just bake a cake and take the other person out for dinner.

I kept that wallet for a few more years and lost it a month back after 20 years. My birthday is coming up this summer, maybe I should ask for one again.... I still don't know what's wrong with giving someone a wallet. That's like a mini purse and a purse would be a good gift for a woman, right?

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #5117 on: May 06, 2018, 01:31:10 AM »
I still don't know what's wrong with giving someone a wallet. That's like a mini purse and a purse would be a good gift for a woman, right?

One of my favorite gifts I ever got was a wallet! I'd been complaining to my mom about how hard it was to find a wallet I liked (basically looking for a man's style wallet with a pocket for coins, which for some reason was impossible to find). She either remembered exactly what I wanted or was secretly taking notes... She went on vacation in Spain with my dad and saw a leather goods store with a ton of nice wallets, and she made my dad help her search until they found the perfect one. I carry it every day and think of them. :-)

Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #5118 on: May 06, 2018, 02:06:55 AM »
My dad had money in an account that he wanted to gift to me for the purpose of spending it on "fun." I told him that my fun didn't involve spending money. He insisted that it HAD to be spent on fun (it's $500 & a check). I am considering combining fitness, fun & family vacation & purchasing a single seater kayak (Airkayak) to pair with our 2 seater air kayak as well as a nice 4-6 person tent. If I buy items on clearance,  the $500 should cover both purchases. We purchased our backcountry camping equipment & 2 seater Airkayak before our 3 year old son was born. I still can't seem to pull the trigger on this purchase, though.
Ugh, that’s the “worst.” My boss did something similar with an Amazon gift card he insisted I spend on something “irresponsible.”  I stocked up on vacuum cleaner bags. Probably the least sexy thing I could buy on Amazon.
Hmm,  that's pretty irresponsible.  My last two vacuums died with a stockpile of bags sitting in the closet that I had to donate.   (when will I learn). 

Hula Hoop

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Re: Mustachian People Problems (just for fun)
« Reply #5119 on: May 06, 2018, 06:32:42 AM »
Ugh, I hate it when gifts come with strings attached. My family does that too. They want me to "spoil myself" but whatever I want is just not good enough. And I hate perfume and spa treatments and make-up and new clothes (which is what they mean).


My boss did that last Christmas.  She gave me a gift card to a local fancy gourmet food place.  I went there with my husband and kids and upon seeing the ridiculous prices for food items we decided just to sit down in the attached restaurant and have pizza and fancy beers (for the grownups), which used up the entire gift card.  When I told her this, she said that I should have spent the money "on myself" but I don't think she gets that once you have kids spending time with them and treating them to fancy pizza is spending 'on yourself'.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #5120 on: May 06, 2018, 06:52:31 AM »
My dad had money in an account that he wanted to gift to me for the purpose of spending it on "fun." I told him that my fun didn't involve spending money. He insisted that it HAD to be spent on fun (it's $500 & a check). I am considering combining fitness, fun & family vacation & purchasing a single seater kayak (Airkayak) to pair with our 2 seater air kayak as well as a nice 4-6 person tent. If I buy items on clearance,  the $500 should cover both purchases. We purchased our backcountry camping equipment & 2 seater Airkayak before our 3 year old son was born. I still can't seem to pull the trigger on this purchase, though.
Ugh, that’s the “worst.” My boss did something similar with an Amazon gift card he insisted I spend on something “irresponsible.”  I stocked up on vacuum cleaner bags. Probably the least sexy thing I could buy on Amazon.
"Irresponsible"?
Like a camping tour where your phones don't have connection?

(Referring to that university who wants to shut down the hiking club because they go where the student's phones have no connection and that is too dangerous. You can still play rugby though.)

CindyBS

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Re: Mustachian People Problems (just for fun)
« Reply #5121 on: May 06, 2018, 07:54:07 AM »
I am the mom of a sick kid (cancer - he's doing much better).

I'm in a bunch of support groups online.  I realized this week I may be one of the only ones with no go fund me, no fundraisers, no t-shirt selling, no #mysickkidsnameSTRONG, no financial free fall, no trying to juggle work and caring for the child. 

We used FU money for me to quit working entirely.   

CoffeeAndDonuts

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Re: Mustachian People Problems (just for fun)
« Reply #5122 on: May 07, 2018, 03:21:15 AM »
The 2018 HSA contribution limit started at $6900, then dropped to $6850, now just increased back to $6,900. Our bookkeeper must think I'm crazy that I front load the HSA and am on top of notifying her of the change and impacts almost immediately.

Separately, by virtue of having too many amex numbers (a not uncommon practice in US travel hacking), I can buy about $900 of stuff from Target online with an effective discount around 40% but only through the end of may. I'm wasting too much time trying to figure out what to buy. Our groceries are pretty well stocked as it is and, even though we just bought a new home, and have a kid, I can't find hardly anything to buy! And when I do, I get caught in analysis paralysis (e.g. will these gardening gloves really fit, are they good quality). I try to walk away but...40% off at a decent scale at Target! Surely I can put that to good use?!? Garrr.


dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5123 on: May 07, 2018, 05:34:17 AM »
The 2018 HSA contribution limit started at $6900, then dropped to $6850, now just increased back to $6,900. Our bookkeeper must think I'm crazy that I front load the HSA and am on top of notifying her of the change and impacts almost immediately.

Separately, by virtue of having too many amex numbers (a not uncommon practice in US travel hacking), I can buy about $900 of stuff from Target online with an effective discount around 40% but only through the end of may. I'm wasting too much time trying to figure out what to buy. Our groceries are pretty well stocked as it is and, even though we just bought a new home, and have a kid, I can't find hardly anything to buy! And when I do, I get caught in analysis paralysis (e.g. will these gardening gloves really fit, are they good quality). I try to walk away but...40% off at a decent scale at Target! Surely I can put that to good use?!? Garrr.

Why do people have so many Amex cards? Aren’t the best bonuses “once in a lifetime”?  It seems like the other bonuses are not very attractive or carry annual fees

Can you just buy target gift cards?  Or an expensive returnable item, returned for store credit

Roadrunner53

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Re: Mustachian People Problems (just for fun)
« Reply #5124 on: May 07, 2018, 05:42:14 AM »
CoffeeAndDonuts, Have you considered buying a couple hundred dollars of canned foods to donate to your local food bank? You could give them a call to see what they would use before you buy stuff.

Maybe you could buy some shrubs, bulbs, grass seed, small trees, fertilizer, bark mulch, an out door bench, planters, hoses, garden art, potting soil, hanging plants, picnic table, rakes, shovels, tomato plants, pepper plants.

Stock up on canned items like beans, chicken, ham, corned beef hash, roast beef hash, tomatoes, canned pumpkin, pineapple, canned fruit, canned tuna.

Window air conditioner, dehumidifier, fans, ceiling fans, simple human garbage can, vacuum sealer, sous vide, Deebot vac, Dyson vac.

Laptop...Good luck!

CoffeeAndDonuts

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Re: Mustachian People Problems (just for fun)
« Reply #5125 on: May 07, 2018, 05:56:22 AM »
Why do people have so many Amex cards? Aren’t the best bonuses “once in a lifetime”?  It seems like the other bonuses are not very attractive or carry annual fees

Can you just buy target gift cards?  Or an expensive returnable item, returned for store credit

I don't want to drag things too far off topic so I'll try to knock out one succinct reply. Amex cards have Amex Offers which are basically opt-in rebates. Most are useless but some are gems. For example, $50 back when spending $100 at Shipt. Shipt is a personal shopping service that only works at Target where I live. Add in some overhead and careful selection of items and I think it's around 40% off. As to how to get lots of Amex cards... that's a long story but I'll point out that I'm married and we have lots of no fee Amex cards largely for this benefit and that authorized user qualify independently so they multiply the benefit. Sadly, purchasing via shipt, I can't buy gift cards and to maximize I need to target a cart value of no more than $100 so large items are ineffective.

@RoadRunner suggests donating. I thought about that too. It's not how we prefer to give and the deduction isn't likely valuable to us. If I could stack the tax deduction (as I have in years past), I'd be far more game for it. They also suggest foods that can be stored a long time. We tend to eat a lot of produce and perishables so overstocking would take a long time to go through. I like the gardening ideas as I'm just getting into it. In general though, I just don't want to buy "stuff" so it's got to meet a usefulness bar or be a consumable.

The other challenge I find myself stuck on is that some items are overpriced on shipt compared to Target. They have to make their money somehow... and Target it's all that competitive for us on consumables in the first place so a 50% discount becomes 40% becomes 20% becomes... not worth the bother if I'm not a little careful.

My out is considering flipping some electronics. E.g. digital cameras or tablets or what not. I figure I can make a 30% profit margin on it but I really don't enjoy reselling.

I overthink this stuff sometimesoften.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5126 on: May 07, 2018, 07:28:20 AM »
Coffee, you said you just had a kid? Buy diapers. You can exchange, return, or donate later. Also baby food. Yeah, you'll maybe make your own, but life is busy and sometimes convenience is way more valuable than ideal sometimes. If you don't need them later, donate or give to friends - if you return they'll be tossed.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5127 on: May 07, 2018, 10:41:38 AM »
I still don't know what's wrong with giving someone a wallet. That's like a mini purse and a purse would be a good gift for a woman, right?

One of my favorite gifts I ever got was a wallet! I'd been complaining to my mom about how hard it was to find a wallet I liked (basically looking for a man's style wallet with a pocket for coins, which for some reason was impossible to find). She either remembered exactly what I wanted or was secretly taking notes... She went on vacation in Spain with my dad and saw a leather goods store with a ton of nice wallets, and she made my dad help her search until they found the perfect one. I carry it every day and think of them. :-)

I think a wallet is an excellent gift, and I believe it is traditional for the giver to put money in it (like a one dollar bill) for luck. 

I too like a wallet with a coin purse attached.  They are hard to find in the US, but when I go to Europe (where coins are more common) they are everywhere.  Last time I was in Ireland that is what I treated myself to.  Still carrying it years later, and think about the wonderful trip.

LV

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #5128 on: May 07, 2018, 01:15:37 PM »
I too like a wallet with a coin purse attached.  They are hard to find in the US, but when I go to Europe (where coins are more common) they are everywhere.

In fact they are so common that me German is still not sure you are really meaning what I think you mean.



Something like this without the part on the picture's left? The button-closed part for the coins?

« Last Edit: May 07, 2018, 01:19:34 PM by LennStar »

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5129 on: May 07, 2018, 06:57:04 PM »
Why do people have so many Amex cards? Aren’t the best bonuses “once in a lifetime”?  It seems like the other bonuses are not very attractive or carry annual fees

Can you just buy target gift cards?  Or an expensive returnable item, returned for store credit

I don't want to drag things too far off topic so I'll try to knock out one succinct reply. Amex cards have Amex Offers which are basically opt-in rebates. Most are useless but some are gems. For example, $50 back when spending $100 at Shipt. Shipt is a personal shopping service that only works at Target where I live. Add in some overhead and careful selection of items and I think it's around 40% off. As to how to get lots of Amex cards... that's a long story but I'll point out that I'm married and we have lots of no fee Amex cards largely for this benefit and that authorized user qualify independently so they multiply the benefit. Sadly, purchasing via shipt, I can't buy gift cards and to maximize I need to target a cart value of no more than $100 so large items are ineffective.

@RoadRunner suggests donating. I thought about that too. It's not how we prefer to give and the deduction isn't likely valuable to us. If I could stack the tax deduction (as I have in years past), I'd be far more game for it. They also suggest foods that can be stored a long time. We tend to eat a lot of produce and perishables so overstocking would take a long time to go through. I like the gardening ideas as I'm just getting into it. In general though, I just don't want to buy "stuff" so it's got to meet a usefulness bar or be a consumable.

The other challenge I find myself stuck on is that some items are overpriced on shipt compared to Target. They have to make their money somehow... and Target it's all that competitive for us on consumables in the first place so a 50% discount becomes 40% becomes 20% becomes... not worth the bother if I'm not a little careful.

My out is considering flipping some electronics. E.g. digital cameras or tablets or what not. I figure I can make a 30% profit margin on it but I really don't enjoy reselling.

I overthink this stuff sometimesoften.

Thanks for the explanation.  I didn't see the Shipt offer on my card, so must be targeted?  You got one thing right -- the vast majority of those offers are completely useless

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #5130 on: May 08, 2018, 02:14:07 AM »
I got hit by a motorcycle recently and broke a finger (all other things are good though). Unfortunately this means I can't follow a woodworking course I wanted to sign up for (paid for by my boss) and I also can't DIY several things I was planning (including baby-safety measures).

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5131 on: May 09, 2018, 12:47:26 AM »
I got hit by a motorcycle recently and broke a finger (all other things are good though). Unfortunately this means I can't follow a woodworking course I wanted to sign up for (paid for by my boss) and I also can't DIY several things I was planning (including baby-safety measures).

That sounds annoying. Can't you just follow the wood course anyway? And look at what others produce? At least you will learn something?

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #5132 on: May 09, 2018, 11:43:30 AM »
I got hit by a motorcycle recently and broke a finger (all other things are good though). Unfortunately this means I can't follow a woodworking course I wanted to sign up for (paid for by my boss) and I also can't DIY several things I was planning (including baby-safety measures).

That sounds annoying. Can't you just follow the wood course anyway? And look at what others produce? At least you will learn something?
I could but doing is so much better than only watching in regards to something like Woodworking. It's not just the knowhow but also feeling what goes right.
It's also kind of a requirement to evaluate what you built to see where you went wrong. Theoretics are learnable from a book or YouTube too.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #5133 on: May 09, 2018, 01:05:08 PM »
Was visiting with one our HR people and I noticed a list of retiring employees on the whiteboard. I asked what the requirement was to get retirement recognition, and I found out the rule of 80 is used. So, either age + years of service is more than 80, or if you’re at least 60 years old, you get a retirement party and gift upon leaving. I’m at 65 now (I’ve been at the same place for a long time), but 7.5 more years is probably not in the cards. 20+ years at the same company, and I probably will not be eligible for a “retirement” party.

Cali

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Re: Mustachian People Problems (just for fun)
« Reply #5134 on: May 09, 2018, 02:22:02 PM »
Woke up on my birthday and my Personal Capital showed me at $XX0000.32

I was excited about all the zeros because I’d hit a new number. I did not buy myself any “I deserve this” gifts. Coworkers looked at me like I was a crackhead for being excited about this.

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Re: Mustachian People Problems (just for fun)
« Reply #5135 on: May 09, 2018, 04:15:41 PM »
Woke up on my birthday and my Personal Capital showed me at $XX0000.32

I was excited about all the zeros because I’d hit a new number. I did not buy myself any “I deserve this” gifts. Coworkers looked at me like I was a crackhead for being excited about this.

If I saw that, my budget for celebrating would be 31 cents!  ;-)

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5136 on: May 09, 2018, 08:21:44 PM »
We had to shuffle money around because an expense planned for this summer was available for 40% off last month and the credit card was due before the next RSU vest date.

Taking advantage of every possible work savings program makes for tiny paychecks, which requires more planning than the old dump what's left into savings plan.

chrisgermany

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Re: Mustachian People Problems (just for fun)
« Reply #5137 on: May 09, 2018, 11:19:57 PM »
@ Taran Wanderer:
Age 65 and 20+ is more than 80 in my math book. Typo?

Fresh Bread

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Re: Mustachian People Problems (just for fun)
« Reply #5138 on: May 09, 2018, 11:30:45 PM »
@ Taran Wanderer:
Age 65 and 20+ is more than 80 in my math book. Typo?

The score is 65 not current age.

Stachetastic

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Re: Mustachian People Problems (just for fun)
« Reply #5139 on: May 10, 2018, 05:24:39 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.

Mezzie

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Re: Mustachian People Problems (just for fun)
« Reply #5140 on: May 10, 2018, 07:34:01 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
The used electric car I bought has all those things, and it wasn't until I went to a car wash (much more drought friendly than washing it myself) that I realized there were no instructions or symbols for putting my car in neutral! Luckily the atendant had seen confused faces like mine many times and was able to help me out.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #5141 on: May 10, 2018, 08:18:45 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
Might the emergency brake been engaged?  Barring that, it's probably some super simple thing you missed.  Gosh, there are times when I appreciate cars of the late-90's to early '00's--new enough to have OBD-II, old enough to avoid some of the more recent silly things manufacturers have added.

solon

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Re: Mustachian People Problems (just for fun)
« Reply #5142 on: May 10, 2018, 08:30:19 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
The used electric car I bought has all those things, and it wasn't until I went to a car wash (much more drought friendly than washing it myself) that I realized there were no instructions or symbols for putting my car in neutral! Luckily the atendant had seen confused faces like mine many times and was able to help me out.

How do you put an electric car in neutral?

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5143 on: May 10, 2018, 08:49:21 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
Might the emergency brake been engaged?  Barring that, it's probably some super simple thing you missed.  Gosh, there are times when I appreciate cars of the late-90's to early '00's--new enough to have OBD-II, old enough to avoid some of the more recent silly things manufacturers have added.

Depends what “came to life” and “nothing” mean.  Did the engine start?  Did you push the gas pedal?  Did the engine rev?  Did the engine die?


Stachetastic

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Re: Mustachian People Problems (just for fun)
« Reply #5144 on: May 10, 2018, 09:12:05 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
Might the emergency brake been engaged?  Barring that, it's probably some super simple thing you missed.  Gosh, there are times when I appreciate cars of the late-90's to early '00's--new enough to have OBD-II, old enough to avoid some of the more recent silly things manufacturers have added.

Depends what “came to life” and “nothing” mean.  Did the engine start?  Did you push the gas pedal?  Did the engine rev?  Did the engine die?

"Came to life" meant the screen turned on, the dash lit up, and my seat started moving. "Nothing" meant I pushed the gas pedal and the car went nowhere. It did not rev, made no sound. After some research when I got home, I discovered I needed to push the brake while simultaneously pushing the On button to start the engine. A super simple task that would have been helpful for one of the dealers there to point out. I was the youngest driver present by at least 30 years, I couldn't have been the only one who struggled with this.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #5145 on: May 10, 2018, 09:31:52 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
Might the emergency brake been engaged?  Barring that, it's probably some super simple thing you missed.  Gosh, there are times when I appreciate cars of the late-90's to early '00's--new enough to have OBD-II, old enough to avoid some of the more recent silly things manufacturers have added.

Depends what “came to life” and “nothing” mean.  Did the engine start?  Did you push the gas pedal?  Did the engine rev?  Did the engine die?

"Came to life" meant the screen turned on, the dash lit up, and my seat started moving. "Nothing" meant I pushed the gas pedal and the car went nowhere. It did not rev, made no sound. After some research when I got home, I discovered I needed to push the brake while simultaneously pushing the On button to start the engine. A super simple task that would have been helpful for one of the dealers there to point out. I was the youngest driver present by at least 30 years, I couldn't have been the only one who struggled with this.

Don't cars with a normal key usually require you to put your foot on the brake to start too? And manual transmission cars usually require the clutch to be disengaged. But I can understand being confused by an unfamiliar process. I almost put a Lotus Elise into a curb because I pressed the start button without holding down the clutch pedal first...

Fastfwd

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Re: Mustachian People Problems (just for fun)
« Reply #5146 on: May 10, 2018, 09:48:45 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
Might the emergency brake been engaged?  Barring that, it's probably some super simple thing you missed.  Gosh, there are times when I appreciate cars of the late-90's to early '00's--new enough to have OBD-II, old enough to avoid some of the more recent silly things manufacturers have added.

Depends what “came to life” and “nothing” mean.  Did the engine start?  Did you push the gas pedal?  Did the engine rev?  Did the engine die?

"Came to life" meant the screen turned on, the dash lit up, and my seat started moving. "Nothing" meant I pushed the gas pedal and the car went nowhere. It did not rev, made no sound. After some research when I got home, I discovered I needed to push the brake while simultaneously pushing the On button to start the engine. A super simple task that would have been helpful for one of the dealers there to point out. I was the youngest driver present by at least 30 years, I couldn't have been the only one who struggled with this.


My car does the same. Think of pushing the button without the brake pedal as turing the key to the accessories position. With brake pedal depressed you are turning the key to the starter position.


Electric/hybid cards are weird too the first time. Turn the key and nothing at all happens except for a symbol in the dash that tells you are ready to go. Then depending on how far you push the gas pedal and hybrid may or may not start the engine eventually.

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #5147 on: May 10, 2018, 09:57:51 AM »
I went to one of those "test drive a car for a good cause" events yesterday over my lunch break. For every person who test drove a car, the local YMCA got $20. Easy enough. I signed in, they told me to pick any car--the keys were in them. I picked the first one and couldn't find a key, only a fob. Ok, push start. Got it. Pushed the On button, thing came to life, put it in gear, and....nothing. Tried it 3 more times before I gave up and completed the rest of my survey and left. My 14 year old Corolla doesn't make me do any tricks before it turns on and goes.
The used electric car I bought has all those things, and it wasn't until I went to a car wash (much more drought friendly than washing it myself) that I realized there were no instructions or symbols for putting my car in neutral! Luckily the atendant had seen confused faces like mine many times and was able to help me out.

Oh god. Once upon a time, a friend of my roommate's parked his car at his house when they took a work trip out of town together (carpooled in roommate's car). Friend had parked in a stupid spot, prevented us from turning around, but luckily had left keys. The thing was... it was a prius. And I'd never driven a prius. I turned it on just fine, and drove it across the property and reparked.... and couldn't figure out how to put the fucking car into park. I didn't have my phone with me. I had my head out the window yelling for my husband, but he had music on and couldn't hear me. Eventually I figured it out, but it was via like... putting on the parking brake? Or something? I don't even remember, but that shit was NOT intuitive, and nothing was labeled.

I was very happy when we recently went to an EV event, and the cars were much easier to figure out the controls. We tried a tesla and a... volt, or bolt, or something.

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #5148 on: May 10, 2018, 01:48:47 PM »
My MPP: I’ve never driven a car with a button or automatic transmission, so I have no clue what y’all are talking about.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #5149 on: May 10, 2018, 02:00:37 PM »
My MPP: I’ve never driven a car with a button or automatic transmission, so I have no clue what y’all are talking about.

You've never rented a car?