Author Topic: Mustachian People Problems (just for fun)  (Read 1850041 times)

Ladychips

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Re: Mustachian People Problems (just for fun)
« Reply #5550 on: September 20, 2018, 04:26:17 AM »
You can also freeze individual slices.  Enjoy that cake for a long time!

nessness

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Re: Mustachian People Problems (just for fun)
« Reply #5551 on: September 20, 2018, 08:17:01 AM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

Slow&Steady

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Re: Mustachian People Problems (just for fun)
« Reply #5552 on: September 20, 2018, 08:28:41 AM »
When my husband and I were young and it was just the 2 of us (and even when it was just us and little kids), almost all of our waste was recycled or composted so we regularly had less than a trash bag full of waste for the weekly trash pick-up day. We both also worked a LOT of hours are weren't home very much. We purchased a huge, double roll of trash bags from Sam's/Costco and that damn box moved with us like 4 or 5 times before we used them all.  During that time of our life we were moving yearly.

When I first realized that we had been dragging that box around for so long I figured there was no way that it lasted that long.  However, 1 bag every 1-2 weeks is only 26-52 bags a year so a double roll of like 300 or whatever it was will totally last years!  Assuming you don't use multiple trash bags every week.  Sometime in the middle of that box of trash bags I had a nephew doing a fundraiser with trash bags and my SIL was baffled when I told her I hadn't bought trash bags in years and there was no way I was going to buy this fundraiser bags just to store them for a couple years until I actually need them.

There are now 7 of us in the house and I am exhausted reminding teenagers what is recyclable and what isn't, we are at the multiple trash bags every week point and it pisses me off to be adding that much crap to the landfill!

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #5553 on: September 20, 2018, 01:23:27 PM »
The previous owner of my last house left behind a gas range with a broken igniter, you had to light it with a match.  He also left behind a hilarious amount of matches (hundreds at least, possibly thousands).  We never ran out in the ~3 years we lived there.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5554 on: September 20, 2018, 01:29:30 PM »
The previous owner of my last house left behind a gas range with a broken igniter, you had to light it with a match.  He also left behind a hilarious amount of matches (hundreds at least, possibly thousands).  We never ran out in the ~3 years we lived there.

My greataunt lived through the Depression and WWII and was frequently hungry as a child. As a result, she always kept a lot of food in the house. When she died in 2012, I found a large glass jar in her basement with dozens of boxes of matches in it. I took the jar home and in 2018 I'm still not even halfway through it.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #5555 on: September 20, 2018, 04:01:33 PM »
My grandmother vividly remembered the Great Depression as a child. When she was still alive, I remember interviewing her for a school project in grade-school. I asked her several questions about the Great Depression.  It really left a mark on her, and really influenced her for the rest of her life.  I wonder if the more recent financial crisis is going to have a similar effect on some folks in this generation who fell on very hard times...

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #5556 on: September 20, 2018, 07:56:20 PM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

Not exactly environmentally-friendly, but can't you just double bag your trash? We do that all the time because we use Chinese-quality trash bags.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5557 on: September 20, 2018, 08:43:26 PM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

Not exactly environmentally-friendly, but can't you just double bag your trash? We do that all the time because we use Chinese-quality trash bags.

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Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #5558 on: September 21, 2018, 01:33:35 AM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

Not exactly environmentally-friendly, but can't you just double bag your trash? We do that all the time because we use Chinese-quality trash bags.

PSA: this also works for cheap, thin contraception
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Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5559 on: September 21, 2018, 03:40:52 AM »
As my bank has stopped supporting a transaction tracking system per end 2018, I am now tracking my transactions in an excel sheet. Normally this is not much work, usually a couple of transactions a week and clearly marked as electricity, insurance, etc.

Now we are back from a 4 day city trip where I payed many of the small bills, because my bank card can easily pay with a chip holding close to the machine. Now that I'm back I need to make sence of like 10 or so transactions per day. Typically, buying breakfast in a grocery shop, beers on a terrace, icecreams and other small stuff. We have behaving like typical tourists instead of being Mustachians.

Greenback Reproduction Specialist

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Re: Mustachian People Problems (just for fun)
« Reply #5560 on: September 21, 2018, 07:04:13 AM »
Having to go to the bank to cash my pay check so my boss gets off my back for not doing it sooner, ya know like right after I got the check a few weeks ago.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #5561 on: September 21, 2018, 01:57:35 PM »
Having to go to the bank to cash my pay check so my boss gets off my back for not doing it sooner, ya know like right after I got the check a few weeks ago.

I take it they don't do direct deposit?

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5562 on: September 22, 2018, 06:26:05 AM »
As my bank has stopped supporting a transaction tracking system per end 2018, I am now tracking my transactions in an excel sheet. Normally this is not much work, usually a couple of transactions a week and clearly marked as electricity, insurance, etc.

Now we are back from a 4 day city trip where I payed many of the small bills, because my bank card can easily pay with a chip holding close to the machine. Now that I'm back I need to make sence of like 10 or so transactions per day. Typically, buying breakfast in a grocery shop, beers on a terrace, icecreams and other small stuff. We have behaving like typical tourists instead of being Mustachians.

I'm having the opposite problem. I visited a cash-based country so my spending is clearly marked as 4 ATM visits. However I didn't track spending AT ALL so now I have no clue how much of my holiday spending was food, accomodation, transport or activity related :(.

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #5563 on: September 22, 2018, 09:13:46 AM »
Having to go to the bank to cash my pay check so my boss gets off my back for not doing it sooner, ya know like right after I got the check a few weeks ago.

I know a guy who stopped cashing his checks just for fun, because he didn't need the money. The company finally came to him when they were doing the books at the end of the year and figured out where all the extra money came from.

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #5564 on: September 23, 2018, 01:34:27 AM »
Having to go to the bank to cash my pay check so my boss gets off my back for not doing it sooner, ya know like right after I got the check a few weeks ago.

I know a guy who stopped cashing his checks just for fun, because he didn't need the money. The company finally came to him when they were doing the books at the end of the year and figured out where all the extra money came from.
I saw this from the other side of the fence when I was an auditor.  One client had a whole rash of uncashed cheques messing up their bank reconciliation.  It turned out that the MD's wife acted as receptionist whenever the full-time receptionist was away.  The money was peanuts to them so she could never be bothered to go and bank the cheques!

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5565 on: September 23, 2018, 08:05:30 PM »
Having to go to the bank to cash my pay check so my boss gets off my back for not doing it sooner, ya know like right after I got the check a few weeks ago.

I take it they don't do direct deposit?

And the bank doesn't take e-deposit?

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #5566 on: September 25, 2018, 12:58:40 AM »
When she died in 2012, I found a large glass jar in her basement with dozens of boxes of matches in it. I took the jar home and in 2018 I'm still not even halfway through it.
I require approximately 6 matches per year: 3 for making chestnut animals, 2 for fixing drill holes, and one for lighting candles when I can’t find one of my dozens of lighters.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5567 on: September 25, 2018, 01:41:53 PM »
After googling KBB values and Carmax and autotrader and... FB is convinced I am in the market for a new car. At first they figured I must just need a new version of what I sold, but now they are throwing everything at me.

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #5568 on: September 25, 2018, 01:59:43 PM »
After googling KBB values and Carmax and autotrader and... FB is convinced I am in the market for a new car. At first they figured I must just need a new version of what I sold, but now they are throwing everything at me.
My favorite is when you buy something and then every ad is suddenly for it.  You just bought this thing, want ANOTHER!?

Because who can't use an extra toilet seat, car alternator, 10x10x6 dog kennel, or TV?

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #5569 on: September 25, 2018, 07:11:03 PM »
After googling KBB values and Carmax and autotrader and... FB is convinced I am in the market for a new car. At first they figured I must just need a new version of what I sold, but now they are throwing everything at me.
My favorite is when you buy something and then every ad is suddenly for it.  You just bought this thing, want ANOTHER!?

Because who can't use an extra toilet seat, car alternator, 10x10x6 dog kennel, or TV?
My favorite is right after buying a hot water tank we got a ton of adverts for hot water tanks...from the place we bought that one from.  Um, how about delay that 10 years and try then!

K-ice

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Re: Mustachian People Problems (just for fun)
« Reply #5570 on: September 25, 2018, 09:42:57 PM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

I “inherited” a roll of restaurant grade Saran Wrap from a roommate. We joked that it lasted 2 MSc & 1 PhD.


Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5571 on: September 26, 2018, 12:41:23 AM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

I “inherited” a roll of restaurant grade Saran Wrap from a roommate. We joked that it lasted 2 MSc & 1 PhD.

Our community provides many, many roles of biodegradable bags for green waste. We have gotten way more than I'll ever need. So I use them for many purposes, like the bathroom trash can and when camping. But there was a time when the quality was very bad. Two out of three bags were torn apart, just trying to carefully tear it off the roll, while in the past you could just tear them of without paying attention. I hate these newer bags. Currently they have another brand that works fine again. But I still have several of these old roles that need to be used up.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5572 on: September 26, 2018, 10:49:00 PM »
We are on a short trip and have rented a self -catering apartment. It doesn't have a regular coffee machines but one of those pad machines. I never used one before and when I tried coffee got everywhere except for my cup - then my boyfriend laughed at me and somehow made me a perfect cup.

The coffee tastes ok, but is really expensive (€2,50 for 8 pads) and you can only make one cup at a time so I can't fill up my thermos.

Threshkin

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Re: Mustachian People Problems (just for fun)
« Reply #5573 on: September 26, 2018, 11:40:59 PM »
Had my house painted.  It cost ~2 months of average expenses so it screwed up my pretty charts.

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Re: Mustachian People Problems (just for fun)
« Reply #5574 on: September 29, 2018, 07:40:32 AM »
It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.

Lews Therin

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Re: Mustachian People Problems (just for fun)
« Reply #5575 on: September 29, 2018, 07:42:36 AM »
It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.

Incognito browser.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5576 on: September 29, 2018, 10:12:03 AM »
I always take a thermos flask full of coffee with me when I'm travelling somewhere, but it's so good that by the time I want to drink the coffee is still boiling hot. Of course I can let it cool for a while, but having a cup of very hot coffee in your hands is not safe in a moving train or bus.

Roadrunner53

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Re: Mustachian People Problems (just for fun)
« Reply #5577 on: September 29, 2018, 11:00:09 AM »
I always take a thermos flask full of coffee with me when I'm travelling somewhere, but it's so good that by the time I want to drink the coffee is still boiling hot. Of course I can let it cool for a while, but having a cup of very hot coffee in your hands is not safe in a moving train or bus.

Put a couple of ice cubes in the thermos when you fill it to take some heat off the coffee.

Antonn Park

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Re: Mustachian People Problems (just for fun)
« Reply #5578 on: September 29, 2018, 01:38:30 PM »
Not being able to commiserate with others about how they don't have enough money, even though they have a six-figure salary. How does one not have any money saved if they earn 100,000 a year and are single with no health issues, debt, or kids?!

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #5579 on: September 29, 2018, 01:39:25 PM »
I always take a thermos flask full of coffee with me when I'm travelling somewhere, but it's so good that by the time I want to drink the coffee is still boiling hot. Of course I can let it cool for a while, but having a cup of very hot coffee in your hands is not safe in a moving train or bus.
I have an excellent tea mug as well, I add cold water to me tea in the morning so that I can drink it before 11 am!

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #5580 on: September 30, 2018, 12:42:47 AM »
I always take a thermos flask full of coffee with me when I'm travelling somewhere, but it's so good that by the time I want to drink the coffee is still boiling hot. Of course I can let it cool for a while, but having a cup of very hot coffee in your hands is not safe in a moving train or bus.
I have an excellent tea mug as well, I add cold water to me tea in the morning so that I can drink it before 11 am!
It took me a while to realise I'd have less of a problem with this if I stopped blindly following the instructions and pre-warming the flask...Doh!

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5581 on: September 30, 2018, 04:39:12 AM »
I always take a thermos flask full of coffee with me when I'm travelling somewhere, but it's so good that by the time I want to drink the coffee is still boiling hot. Of course I can let it cool for a while, but having a cup of very hot coffee in your hands is not safe in a moving train or bus.

Put a couple of ice cubes in the thermos when you fill it to take some heat off the coffee.

Or be even more mustachian and just wait 5-10 minutes before pouring the coffee in the thermos. Ice cubes cost energy too :D

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #5582 on: September 30, 2018, 07:36:01 AM »
When we bought our house, the previous owner left us a mostly-full box of trash bags. They're thin and tear easily, but I didn't want to waste them so decided to use them anyway. But we don't go through that many trash bags, so 14 months later we're still using those trash bags, and I'm still cursing them almost every time I take out the trash. I long for the day we finally run out and I can go buy the Costco trash bags I like lol.

I “inherited” a roll of restaurant grade Saran Wrap from a roommate. We joked that it lasted 2 MSc & 1 PhD.

 One of our customers gave my wife a box of hairspray over 3 years ago, they are travel/sample bottles, 1.5 oz. When she started using them, there were about 250 bottles, she's now down to about 180. That calculates to storing that box another 8 years.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5583 on: September 30, 2018, 12:22:35 PM »
I always take a thermos flask full of coffee with me when I'm travelling somewhere, but it's so good that by the time I want to drink the coffee is still boiling hot. Of course I can let it cool for a while, but having a cup of very hot coffee in your hands is not safe in a moving train or bus.
I have an excellent tea mug as well, I add cold water to me tea in the morning so that I can drink it before 11 am!
It took me a while to realise I'd have less of a problem with this if I stopped blindly following the instructions and pre-warming the flask...Doh!

If that’s not enough, try precooling the flask in the fridgeor freezer

halftimer

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Re: Mustachian People Problems (just for fun)
« Reply #5584 on: September 30, 2018, 06:01:50 PM »
I'm having the opposite problem. I visited a cash-based country so my spending is clearly marked as 4 ATM visits. However I didn't track spending AT ALL so now I have no clue how much of my holiday spending was food, accomodation, transport or activity related :(.

I just got back from a cash-based country after a few weeks and I'm tallying up my spending now from the notes I took each day. We came in slightly under budget with only about $400 left, since I knew how much we spent last time. My MPP: I have a compulsive need to do this each time this so my all-time trip excel sheet will be updated and I will have the final numbers of how much we spent per person per day. I need those stats - STAT.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #5585 on: October 01, 2018, 02:46:36 AM »
I'm having the opposite problem. I visited a cash-based country so my spending is clearly marked as 4 ATM visits. However I didn't track spending AT ALL so now I have no clue how much of my holiday spending was food, accomodation, transport or activity related :(.

I just got back from a cash-based country after a few weeks and I'm tallying up my spending now from the notes I took each day. We came in slightly under budget with only about $400 left, since I knew how much we spent last time. My MPP: I have a compulsive need to do this each time this so my all-time trip excel sheet will be updated and I will have the final numbers of how much we spent per person per day. I need those stats - STAT.

I did do this on a previous longer trip. My mom was horrified - WHY would you keep track of cost of accommodation and 2 beers if everything's just a dollar anyways? But for me on that long trip it was great to see how it played out or how I sometimes spent more/less money than intended (Eeks, I spent 50% of my daily budget on beer last night vs. Wow I've been doing so much fun stuff these days and only spent $10/day on average?!) and to better prioritize spending. However on a 3 week trip it didn't seem to relevant - but now I'm just curious. I could probably calculate it back tho as I do have some ridiculous memory-skills for money spent.

marty998

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Re: Mustachian People Problems (just for fun)
« Reply #5586 on: October 01, 2018, 03:28:32 AM »
After googling KBB values and Carmax and autotrader and... FB is convinced I am in the market for a new car. At first they figured I must just need a new version of what I sold, but now they are throwing everything at me.
My favorite is when you buy something and then every ad is suddenly for it.  You just bought this thing, want ANOTHER!?

Because who can't use an extra toilet seat, car alternator, 10x10x6 dog kennel, or TV?
My favorite is right after buying a hot water tank we got a ton of adverts for hot water tanks...from the place we bought that one from.  Um, how about delay that 10 years and try then!

Ahh yes.. Came back from holiday, posted up some pics on FB and suddenly was getting ads for.... flights, hotels and beachside destinations...

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5587 on: October 01, 2018, 04:24:14 AM »
It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.

There is a financial magazine that I would like to read. They have a large base of old and new articles on their website, which requires payment. I consider paying for a month or so and try to read as much as I can. Maybe saving as offline site if it is interesting.

Lews Therin

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Re: Mustachian People Problems (just for fun)
« Reply #5588 on: October 01, 2018, 09:48:43 AM »

It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.
[/quote]
Incognito browser stops that problem...

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #5589 on: October 01, 2018, 03:52:53 PM »

It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.

Incognito browser stops that problem...

Yeah I'm going to do that thanks to all who suggested.

My latest MPP:

Payday was last fri 9/28. Normally my retirement contributions hit my acct the same day. 2nd business day passed today 10/1 and they still haven't posted. This contribution will put me past the $250k mark and I NEED to graduate from the "race from 100-250k thread" very badly. Like today. Or last Friday.


La Bibliotecaria Feroz

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Re: Mustachian People Problems (just for fun)
« Reply #5590 on: October 01, 2018, 03:57:59 PM »

It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.
Incognito browser stops that problem...
[/quote]

I pay for my news now. Journalism costs more money than the advertising generates. $99/year for WaPo, because that's my favorite.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5591 on: October 02, 2018, 04:51:56 AM »
MPP - DH and I have ran our Q3 numbers.  We are now looking at moving our FIRE date by 5 months or so.  We are now working diligently to get all our ducks in a row to see if we can pull the trigger sooner.  So much dry erase board and excel work. 

This is so much better than the getting out of debt discussion my friends are having :), though I am sure most of the topic headings are similar.

LV

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #5592 on: October 02, 2018, 06:41:59 AM »
MPP - DH and I have ran our Q3 numbers.  We are now looking at moving our FIRE date by 5 months or so.  We are now working diligently to get all our ducks in a row to see if we can pull the trigger sooner.  So much dry erase board and excel work. 

This is so much better than the getting out of debt discussion my friends are having :), though I am sure most of the topic headings are similar.

LV
I would be careful with that, since stocks should be at or around their max now before the next chrash. But it is up to you how close to the border you want to cut the line ;) Congratz anyway to get that close.

May2030

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Re: Mustachian People Problems (just for fun)
« Reply #5593 on: October 02, 2018, 07:25:42 AM »
This month I have trying to be stoic and really cut my foot budget to the bone just to see if I could. No treats or rubbish sweet stuff and made meat go much further. Even tried fasting for a day just to see what it was like.  Not only have I not been hungry (other than the fast day) I have felt more energised and upbeat. Stoicism failure.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #5594 on: October 02, 2018, 07:31:47 AM »
MPP - DH and I have ran our Q3 numbers.  We are now looking at moving our FIRE date by 5 months or so.  We are now working diligently to get all our ducks in a row to see if we can pull the trigger sooner.  So much dry erase board and excel work. 

This is so much better than the getting out of debt discussion my friends are having :), though I am sure most of the topic headings are similar.

LV
I would be careful with that, since stocks should be at or around their max now before the next chrash. But it is up to you how close to the border you want to cut the line ;) Congratz anyway to get that close.
Lennstar,   I would be careful with that, looks like you're saying The Top is in http://forum.mrmoneymustache.com/investor-alley/top-is-in/   The thread started last year, and the major indices are up a lot since. 

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #5595 on: October 02, 2018, 07:45:44 AM »
MPP - DH and I have ran our Q3 numbers.  We are now looking at moving our FIRE date by 5 months or so.  We are now working diligently to get all our ducks in a row to see if we can pull the trigger sooner.  So much dry erase board and excel work. 

This is so much better than the getting out of debt discussion my friends are having :), though I am sure most of the topic headings are similar.

LV
I would be careful with that, since stocks should be at or around their max now before the next chrash. But it is up to you how close to the border you want to cut the line ;) Congratz anyway to get that close.
Lennstar,   I would be careful with that, looks like you're saying The Top is in http://forum.mrmoneymustache.com/investor-alley/top-is-in/   The thread started last year, and the major indices are up a lot since.

That is why we should now be really close to the top. ;-)

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #5596 on: October 02, 2018, 07:51:57 AM »
I was in a very interesting pension course today (for payroll / legal people, not for participants).

One theme we talked about a lot is parttime retirement. From a financial point of view, it makes much more sense for people to not claim their pension when they want to retire parttime and just live off less, but, as the trainer said "for most people of course, unless you're really rich of received an inheritance, that's not going tot be possible".

The 600.000 participants in our pension fund earn an average EUR 45.500 / year and affordability of health care is not an issue. Most people interested in parttime retirement are 60+, with a paid off home and adult kids. I was absolutely shocked that everyone thought it was obvious this person could never live off 80% of their income.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #5597 on: October 02, 2018, 10:48:28 AM »
I was in a very interesting pension course today (for payroll / legal people, not for participants).

One theme we talked about a lot is parttime retirement. From a financial point of view, it makes much more sense for people to not claim their pension when they want to retire parttime and just live off less, but, as the trainer said "for most people of course, unless you're really rich of received an inheritance, that's not going tot be possible".

The 600.000 participants in our pension fund earn an average EUR 45.500 / year and affordability of health care is not an issue. Most people interested in parttime retirement are 60+, with a paid off home and adult kids. I was absolutely shocked that everyone thought it was obvious this person could never live off 80% of their income.

Here, it is considered unAmerican not to spend all of your disposable income. Didn't realize we had exported that viewpoint.

On the other hand, I cannot figure out my husband's paychecks. He was only bringing home about $800, but it turns out that he was over contributing to after tax 401k, risking his deductible contributions and matching. At the same time we realized that, they announced they they were switching to unlimited vacation and going to pay out any outstanding vacation. So when he put in our vacation that we took between the announcement and the implementation, he requested vacation payout (for every day of vacation you actually take, you can get another paid out). I didn't even know that what something companies offered! Between our vacation spanning two pay periods, the upcoming payout of the remainder, expected raise and bonus, reaching HSA and 401k maxes, taxes for vesting RSUs... I don't think any two paychecks will be the same for the rest of the year.

So, when I log into our bank account, I notice a transfer to AmEx and my heart stops trying to remember what we could have possibly put on the credit card that would dwarf our normal spending: it is a transfer of our buffer to savings because our net income exceeds our monthly expenses. At least until January.
« Last Edit: October 02, 2018, 11:32:59 AM by ixtap »

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #5598 on: October 02, 2018, 02:49:44 PM »
MPP - DH and I have ran our Q3 numbers.  We are now looking at moving our FIRE date by 5 months or so.  We are now working diligently to get all our ducks in a row to see if we can pull the trigger sooner.  So much dry erase board and excel work. 

This is so much better than the getting out of debt discussion my friends are having :), though I am sure most of the topic headings are similar.

LV
I would be careful with that, since stocks should be at or around their max now before the next chrash. But it is up to you how close to the border you want to cut the line ;) Congratz anyway to get that close.
Lennstar,   I would be careful with that, looks like you're saying The Top is in http://forum.mrmoneymustache.com/investor-alley/top-is-in/   The thread started last year, and the major indices are up a lot since.

That is why we should now be really close to the top. ;-)

Everyday we are closer to the top :). 
And closer to the crash.
And closer to the recovery.
And closer to my death....

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #5599 on: October 02, 2018, 10:37:09 PM »

It's the end of the month and I have used up my free articles at the NYTimes, WaPo, New Yorker, and every other reputable news site that restricts it's articles. There's been a lot going on this week and I only have access to free garbage news til 10/1.


I pay for my news now. Journalism costs more money than the advertising generates. $99/year for WaPo, because that's my favorite.

I hate paying for anything I can get free, but I'm starting to consider paying for quality journalism purely as a political play.  What really gets me is paying for something and still seeing ads.  Does WaPo show ads to paying subscribers?