Author Topic: Mustachian People Problems (just for fun)  (Read 1641516 times)

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #3900 on: June 10, 2017, 12:36:33 PM »
I picked a for me new species of edible mushroom today, Marasmius Oreades. About 8 pieces. But I wasn't sure how fast to cook them. They had to be cooked fast, but I din't want to eat them yet. Found out online that I should have cooked them immediately and could have eaten them later. It took too much time before I found out, so I had to ditch them to be on the safe side.

Can you find more?  Now you know how quickly then need to be cooked.


My MPP:  We've switched to using a rewards card, buying a lot less in general, and buying almost nothing with cash.  I went to the ATM after a long hiatus and I couldn't remember my PIN.

Luckyvik

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Re: Mustachian People Problems (just for fun)
« Reply #3901 on: June 10, 2017, 05:57:16 PM »
I had to reduce the amount I salary sacrifice to my retirement account for my next 2 pay cycles as I'm getting paid for leave I didn't take and I have to be careful not to go over the cap.


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merula

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Re: Mustachian People Problems (just for fun)
« Reply #3902 on: June 12, 2017, 08:53:01 AM »
I've recently had TWO experiences where people insisted on paying for my part of things, seemingly because they think they're in a better spot financially than me? Like "Oh, don't worry about it, I'll cover this drink, my treat."

Look, I'm not struggling, I want to pay for my own drink! Just because I have a small house, a family supported by one income, bike everywhere and shop at Goodwill, doesn't mean you need to buy me a drink. Those are the reasons I can easily afford to buy my own drinks!

In both cases I'm pretty sure I'm doing better financially: one friend makes about the same amount but is going to grad school, another has had some recent health setbacks. I shouldn't assume, though...

kelvin

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Re: Mustachian People Problems (just for fun)
« Reply #3903 on: June 12, 2017, 09:29:48 AM »
I've recently had TWO experiences where people insisted on paying for my part of things, seemingly because they think they're in a better spot financially than me? Like "Oh, don't worry about it, I'll cover this drink, my treat."

Look, I'm not struggling, I want to pay for my own drink! Just because I have a small house, a family supported by one income, bike everywhere and shop at Goodwill, doesn't mean you need to buy me a drink. Those are the reasons I can easily afford to buy my own drinks!

In both cases I'm pretty sure I'm doing better financially: one friend makes about the same amount but is going to grad school, another has had some recent health setbacks. I shouldn't assume, though...

Bwhahahah

They probably think you're poorer than you are. It might be time to buy new shoes, or a shirt on sale that fits well, or something.

In the meantime, hey, free drinks!

wauske

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Re: Mustachian People Problems (just for fun)
« Reply #3904 on: June 27, 2017, 03:08:57 AM »
I've recently had TWO experiences where people insisted on paying for my part of things, seemingly because they think they're in a better spot financially than me? Like "Oh, don't worry about it, I'll cover this drink, my treat."

Look, I'm not struggling, I want to pay for my own drink! Just because I have a small house, a family supported by one income, bike everywhere and shop at Goodwill, doesn't mean you need to buy me a drink. Those are the reasons I can easily afford to buy my own drinks!

In both cases I'm pretty sure I'm doing better financially: one friend makes about the same amount but is going to grad school, another has had some recent health setbacks. I shouldn't assume, though...

Bwhahahah

They probably think you're poorer than you are. It might be time to buy new shoes, or a shirt on sale that fits well, or something.

In the meantime, hey, free drinks!

Being mustachian does not mean you have to wear poorly maintained shoes. My last pair is about 3 years old and was re-soled last year because the rubber got damaged somehow (35 for new soles or 120 for the shoes so easy choice).
These shoes are also the easiest most relaxing pair to wear I've had in a long time. They're black leather so for 20 worth of paste/leather cream to clean and maintain and these shoes wil survive a few more years :)


Now, on to my problem: I've been in the hostpital at the beginning of this year, my insurance had a discount for a higher deductible but my stay maxed out that deductible (still, counting all years I did this I'm still in the plus). I was waiting for the invoice on it for about 6 months and thought It'd take a while so I put some money in my mortgage. In the meantime, they sent the invoice a day after as well as an invoice for my wife's dentistry (not covered).
Normally this is no issue but the combined cost had me logging in to the insurance company's site and asking for a payment plan -__- It's not that we can't cover all of that in one go (6k for the mortgage, 1.4k for the health insurance) but I'd rather keep some on hand for unexpected expenses. Fortunatly, the payment plan is only 2 months and with no additional cost ^__^
Everything I say is my personal opinion which is based on my subjective experience.

kelvin

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Re: Mustachian People Problems (just for fun)
« Reply #3905 on: June 27, 2017, 07:48:01 AM »
I've recently had TWO experiences where people insisted on paying for my part of things, seemingly because they think they're in a better spot financially than me? Like "Oh, don't worry about it, I'll cover this drink, my treat."

Look, I'm not struggling, I want to pay for my own drink! Just because I have a small house, a family supported by one income, bike everywhere and shop at Goodwill, doesn't mean you need to buy me a drink. Those are the reasons I can easily afford to buy my own drinks!

In both cases I'm pretty sure I'm doing better financially: one friend makes about the same amount but is going to grad school, another has had some recent health setbacks. I shouldn't assume, though...

Bwhahahah

They probably think you're poorer than you are. It might be time to buy new shoes, or a shirt on sale that fits well, or something.

In the meantime, hey, free drinks!

Being mustachian does not mean you have to wear poorly maintained shoes. My last pair is about 3 years old and was re-soled last year because the rubber got damaged somehow (35 for new soles or 120 for the shoes so easy choice).
These shoes are also the easiest most relaxing pair to wear I've had in a long time. They're black leather so for 20 worth of paste/leather cream to clean and maintain and these shoes will survive a few more years :)


My point was that it might be time for Merula to invest in a "status symbol" that would help defray the assumption of poverty. Which is kind of a losing proposition, as some people value cars, and others value watches, etc. Shoes and shirts were the first two that came to mind which a mustachian might consider a worthy investment.

You seem to have the shoes part down pat, Wauske. Some of my co-workers are just now catching on that cobblers are a thing. *shakes head*

justaguy

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Re: Mustachian People Problems (just for fun)
« Reply #3906 on: June 27, 2017, 07:56:02 AM »
I find myself sitting in a lot of meetings that make me want to cry/scream.  What gets me through them is knowing that when I am the age of most of the other people in the room I wont have to sit in them anymore because Ill be FIRE! 

wauske

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Re: Mustachian People Problems (just for fun)
« Reply #3907 on: June 27, 2017, 08:04:46 AM »
I've recently had TWO experiences where people insisted on paying for my part of things, seemingly because they think they're in a better spot financially than me? Like "Oh, don't worry about it, I'll cover this drink, my treat."

Look, I'm not struggling, I want to pay for my own drink! Just because I have a small house, a family supported by one income, bike everywhere and shop at Goodwill, doesn't mean you need to buy me a drink. Those are the reasons I can easily afford to buy my own drinks!

In both cases I'm pretty sure I'm doing better financially: one friend makes about the same amount but is going to grad school, another has had some recent health setbacks. I shouldn't assume, though...

Bwhahahah

They probably think you're poorer than you are. It might be time to buy new shoes, or a shirt on sale that fits well, or something.

In the meantime, hey, free drinks!

Being mustachian does not mean you have to wear poorly maintained shoes. My last pair is about 3 years old and was re-soled last year because the rubber got damaged somehow (35 for new soles or 120 for the shoes so easy choice).
These shoes are also the easiest most relaxing pair to wear I've had in a long time. They're black leather so for 20 worth of paste/leather cream to clean and maintain and these shoes will survive a few more years :)


My point was that it might be time for Merula to invest in a "status symbol" that would help defray the assumption of poverty. Which is kind of a losing proposition, as some people value cars, and others value watches, etc. Shoes and shirts were the first two that came to mind which a mustachian might consider a worthy investment.

You seem to have the shoes part down pat, Wauske. Some of my co-workers are just now catching on that cobblers are a thing. *shakes head*

Well, any status symbol that would impress a non-mustachian would likely be un-mustachian by definition. And that's the rub, isn't it? We are mustachian specifically because our status symbol is the dot on the horizon for which we are scrimping and saving... Most people cannot properly conceive the long term goals which is also why most exit the stock markets at the lowest point and buy back in when it's high...

Regarding the shoes, yes. I had a discussion about that with DW too who is cheap rather than frugal. I did convince her that 35 for a repair (which, admittedly, can be short lived if the soles did take properly to the glue) is generally a better deal than 120 for a new pair of shoes with likely the same replacement cycle.
Everything I say is my personal opinion which is based on my subjective experience.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3908 on: June 27, 2017, 09:47:42 AM »
My point was that it might be time for Merula to invest in a "status symbol" that would help defray the assumption of poverty. Which is kind of a losing proposition, as some people value cars, and others value watches, etc. Shoes and shirts were the first two that came to mind which a mustachian might consider a worthy investment.

You seem to have the shoes part down pat, Wauske. Some of my co-workers are just now catching on that cobblers are a thing. *shakes head*

Well, any status symbol that would impress a non-mustachian would likely be un-mustachian by definition. And that's the rub, isn't it? We are mustachian specifically because our status symbol is the dot on the horizon for which we are scrimping and saving... Most people cannot properly conceive the long term goals which is also why most exit the stock markets at the lowest point and buy back in when it's high...

Regarding the shoes, yes. I had a discussion about that with DW too who is cheap rather than frugal. I did convince her that 35 for a repair (which, admittedly, can be short lived if the soles did take properly to the glue) is generally a better deal than 120 for a new pair of shoes with likely the same replacement cycle.

I probably shouldn't buy new shoes. I have a drawer full at home AND a drawer full at work. (My husband complains about how many shoes I have and he doesn't even SEE the work drawer.) I could stand to pick up some new shirts, though. Well, not *actually* new, but Goodwill new-to-me.

I think the whole category of "buy it for life" is both mustachian and a potential status symbol. My watch would fall into this category, as would my work bag. Maybe I could get something else in this category? A new-to-me bike? Anyone have a suggestion for a fancy-looking hybrid or road bike that would be relatively affordable used and appropriate for someone with short legs?
« Last Edit: June 27, 2017, 10:26:30 AM by merula »

fidreamer

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Re: Mustachian People Problems (just for fun)
« Reply #3909 on: June 27, 2017, 09:49:40 AM »
I've recently had TWO experiences where people insisted on paying for my part of things, seemingly because they think they're in a better spot financially than me? Like "Oh, don't worry about it, I'll cover this drink, my treat."

Look, I'm not struggling, I want to pay for my own drink! Just because I have a small house, a family supported by one income, bike everywhere and shop at Goodwill, doesn't mean you need to buy me a drink. Those are the reasons I can easily afford to buy my own drinks!

In both cases I'm pretty sure I'm doing better financially: one friend makes about the same amount but is going to grad school, another has had some recent health setbacks. I shouldn't assume, though...

Bwhahahah

They probably think you're poorer than you are. It might be time to buy new shoes, or a shirt on sale that fits well, or something.

In the meantime, hey, free drinks!

I can so relate, but with my father.  I recently took a leave of absence...phase one of early retirement...and my dad was surprised, but to his credit didn't question it or try to talk me out of it.  On Father's Day we had a small barbecue maybe 10 people, and my father kept trying to offer me cash to defray the costs of the food.  Now mind you my husband still works and has a military pension.  My father, on the other hand is in his late seventies, still working, few assets.  He is concerned that we can't afford a few hot dogs and hamburgers.  Wait until my husband leaves his job in a couple years; that will really throw him over the edge. 

I find it very amusing when non-mustachians worry over the finances of mustachians.  ; )

katrinajp

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Re: Mustachian People Problems (just for fun)
« Reply #3910 on: June 27, 2017, 09:55:42 AM »
I can't take advantage of awesome sign-up bonus credit cards, because I will never spend the full required amount in three months

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #3911 on: June 27, 2017, 11:01:53 AM »

I find it very amusing when non-mustachians worry over the finances of mustachians.  ; )

^^ I know, right?

I've mentioned this before: 

I had a high-income friend offer to buy me a car when he saw me driving my 15-year-old econo-wagon.  Friend was driving a lease at $600/month.  I paid $6000 total (cash) for my econo-ride 10 years prior. 
« Last Edit: June 27, 2017, 11:13:11 AM by nouveauRiche »

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #3912 on: June 27, 2017, 11:22:20 AM »
My uncle ran into that for a while, back when he was in his late 20s.  My (frugal but sometimes clueless) grandma knew he had graduated college, but didn't know much about his career (he is an actuary).  She kept trying to throw money at him, thinking he needed it, since he gave off that vibe apparently.  Eventually he sat her down and said "I make plenty of money, I bought my house last year for cash.  I'm doing just fine."

fidreamer

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Re: Mustachian People Problems (just for fun)
« Reply #3913 on: June 27, 2017, 01:54:12 PM »

I find it very amusing when non-mustachians worry over the finances of mustachians.  ; )

^^ I know, right?

I've mentioned this before: 

I had a high-income friend offer to buy me a car when he saw me driving my 15-year-old econo-wagon.  Friend was driving a lease at $600/month.  I paid $6000 total (cash) for my econo-ride 10 years prior.

This is great.  Someone asked my kid recently if we were poor when he found out we didn't have cable.  We are breaking cultural norms and freaking everyone out.  ; )

fidreamer

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Re: Mustachian People Problems (just for fun)
« Reply #3914 on: June 27, 2017, 01:58:19 PM »
My uncle ran into that for a while, back when he was in his late 20s.  My (frugal but sometimes clueless) grandma knew he had graduated college, but didn't know much about his career (he is an actuary).  She kept trying to throw money at him, thinking he needed it, since he gave off that vibe apparently.  Eventually he sat her down and said "I make plenty of money, I bought my house last year for cash.  I'm doing just fine."

Ha!  I may have to have the same conversation soon...

kelvin

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Re: Mustachian People Problems (just for fun)
« Reply #3915 on: June 28, 2017, 01:04:57 PM »
Merula I agree about BIFL being "status symbol" compliant. I don't skimp when it comes to bikes, and it has absolutely paid off. My coworkers talk about my bike more than they talk about their own cars (except the guys who drive vintage). (I ride an imported Batavus, which I do not recommend for anyone with short legs. It's lasted me longer than any car I've owned.)

Miss Piggy

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Re: Mustachian People Problems (just for fun)
« Reply #3916 on: June 28, 2017, 02:30:59 PM »
This is great.  Someone asked my kid recently if we were poor when he found out we didn't have cable.  We are breaking cultural norms and freaking everyone out.  ; )

Good Lord. You should be reported to child protective services.

(Kidding, of course.)

wauske

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Re: Mustachian People Problems (just for fun)
« Reply #3917 on: June 28, 2017, 02:48:28 PM »
Merula I agree about BIFL being "status symbol" compliant. I don't skimp when it comes to bikes, and it has absolutely paid off. My coworkers talk about my bike more than they talk about their own cars (except the guys who drive vintage). (I ride an imported Batavus, which I do not recommend for anyone with short legs. It's lasted me longer than any car I've owned.)
Cool, I drive one too though its not impprted for me. It is also one of the best bike brands, along with Gazelle.
Everything I say is my personal opinion which is based on my subjective experience.

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #3918 on: June 30, 2017, 12:41:59 PM »

This is great.  Someone asked my kid recently if we were poor when he found out we didn't have cable.  We are breaking cultural norms and freaking everyone out.  ; )

A curious kid recently asked me why my phone was "so small".  (iPhone 4)

I'm not sure if he was assuming we were poor or he had genuinely never seen a phone that size before.  I told him it was an antique iPhone.

BlueHouse

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Re: Mustachian People Problems (just for fun)
« Reply #3919 on: June 30, 2017, 01:18:03 PM »

This is great.  Someone asked my kid recently if we were poor when he found out we didn't have cable.  We are breaking cultural norms and freaking everyone out.  ; )

A curious kid recently asked me why my phone was "so small".  (iPhone 4)

I'm not sure if he was assuming we were poor or he had genuinely never seen a phone that size before.  I told him it was an antique iPhone.
Gosh, it wasn't that long ago that the smaller the phone meant the more expensive it was.   I remember a motorola phone that looked the size (diameter, not width) of a Silver dollar when it was folded.  So funny how the size of things go in cycles too.
Remember Boom Boxes got bigger and bigger until the sony walkman came out?  Then everything got tiny until we got to earbuds.  Now the big earphone headsets are back in style. 
Sometimes nothing can be a real cool hand

secondcor521

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Re: Mustachian People Problems (just for fun)
« Reply #3920 on: June 30, 2017, 02:27:06 PM »

This is great.  Someone asked my kid recently if we were poor when he found out we didn't have cable.  We are breaking cultural norms and freaking everyone out.  ; )

A curious kid recently asked me why my phone was "so small".  (iPhone 4)

I'm not sure if he was assuming we were poor or he had genuinely never seen a phone that size before.  I told him it was an antique iPhone.
Gosh, it wasn't that long ago that the smaller the phone meant the more expensive it was.   I remember a motorola phone that looked the size (diameter, not width) of a Silver dollar when it was folded.  So funny how the size of things go in cycles too.
Remember Boom Boxes got bigger and bigger until the sony walkman came out?  Then everything got tiny until we got to earbuds.  Now the big earphone headsets are back in style.

I can't remember whether it is better to have a green star or not.

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NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #3921 on: June 30, 2017, 09:59:09 PM »
I work at a company that considers itself a "Mission Based Company".  They actively balance profit and growth goals against their ability to help people.  Any I'm close enough to the senior management to know it's more than idle words.  They truly believe it, and run the company in a way they think will best benefit our customers.

The challenge:

The company is a consumer finance company.  By "helping" people, we are giving customers access to credit that banks won't provide.  These are mostly people with limited credit history and incomes in the $30-$40K range.  Loans are typically 30%-35% interest + fees.  Everyone is expected to be passionate about helping the underbanked, and it's a constant source of discussion.

My MPP:  Not rolling my eyes when the CEO talks about how many people we've helped is incredibly hard.  Although not "believing" in the mission would probably be a fireable offense.  Sure, we're WAY better than payday lenders and title loan companies, but I would never consider loaning money at 30% to be "helping" someone.

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3922 on: July 01, 2017, 01:41:01 AM »
I work at a company that considers itself a "Mission Based Company".  They actively balance profit and growth goals against their ability to help people.  Any I'm close enough to the senior management to know it's more than idle words.  They truly believe it, and run the company in a way they think will best benefit our customers.

The challenge:

The company is a consumer finance company.  By "helping" people, we are giving customers access to credit that banks won't provide.  These are mostly people with limited credit history and incomes in the $30-$40K range.  Loans are typically 30%-35% interest + fees.  Everyone is expected to be passionate about helping the underbanked, and it's a constant source of discussion.

My MPP:  Not rolling my eyes when the CEO talks about how many people we've helped is incredibly hard.  Although not "believing" in the mission would probably be a fireable offense.  Sure, we're WAY better than payday lenders and title loan companies, but I would never consider loaning money at 30% to be "helping" someone.

This is a fascinating MPP. Do you provide any budgeting advice with the loans? Could you? Do you ask about the purpose of the loans and reject them if someone believes they urgently need a trinket? Would you? Do you provide a savings service for the underbanked? [We have credit unions in the UK which are membership based savings organisations that provide reasonable loans.]

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3923 on: July 01, 2017, 06:26:35 PM »

This is great.  Someone asked my kid recently if we were poor when he found out we didn't have cable.  We are breaking cultural norms and freaking everyone out.  ; )

A curious kid recently asked me why my phone was "so small".  (iPhone 4)

I'm not sure if he was assuming we were poor or he had genuinely never seen a phone that size before.  I told him it was an antique iPhone.
Gosh, it wasn't that long ago that the smaller the phone meant the more expensive it was.   I remember a motorola phone that looked the size (diameter, not width) of a Silver dollar when it was folded.  So funny how the size of things go in cycles too.
Remember Boom Boxes got bigger and bigger until the sony walkman came out?  Then everything got tiny until we got to earbuds.  Now the big earphone headsets are back in style.


also


Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3924 on: July 01, 2017, 11:51:31 PM »
Dragoncar, that is fantastic. And true but I never realised it before.

I really miss tiny phones. I had one that would fit in that little coin pocket in jeans. I get that many people want bigger phones but don't see why they won't make any smaller, reasonably powerful phones (suggestions welcome if I am wrong). It's like they invented sliced bread and then stopped selling all other breads.

rdaneel0

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Re: Mustachian People Problems (just for fun)
« Reply #3925 on: July 02, 2017, 03:10:14 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
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Luckyvik

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Re: Mustachian People Problems (just for fun)
« Reply #3926 on: July 02, 2017, 03:23:46 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
Geez I can't believe that people would split up a $500 purchase over several cards


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Daisy

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Re: Mustachian People Problems (just for fun)
« Reply #3927 on: July 02, 2017, 03:29:12 PM »
I was offered a payment plan for a package of eyebrow waxes that cost about $230. I couldn't believe it!

Before you critique paying for eyebrow waxes, my eyebrows grow wild and that is one thing I dont trust doing myself. I'd probably end up looking like Spock from Star Trek if I tried it myself.

I think I've got the next 2 years of eyebrow waxing covered with that sale on the package of visits.

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #3928 on: July 02, 2017, 04:09:58 PM »
Dragoncar, that is fantastic. And true but I never realised it before.

I really miss tiny phones. I had one that would fit in that little coin pocket in jeans. I get that many people want bigger phones but don't see why they won't make any smaller, reasonably powerful phones (suggestions welcome if I am wrong). It's like they invented sliced bread and then stopped selling all other breads.

Exactly.

When people started reporting bent screens on the iPhone 6+ and it was discovered that carrying it in a pocket could bend it, I remember reading lots of comments saying, "Who would want to carry an iPhone in their back pocket?"

I do. I don't want to carry a bag everywhere, I like being able to leave the house with phone, my two front door keys, $20 and my keycard in the pockets of my jeans. This is why I won't buy an iPhone + a- my pockets aren't big enough. It's also a great way to deter my husband from wanting to put his big arse phone in my bag. "Can I put my ... oh."

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #3929 on: July 02, 2017, 04:33:25 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
Geez I can't believe that people would split up a $500 purchase over several cards

I'm in awe that the contacts cost $500 a year. I've been spending about $100 a year at 1-800-contacts. I get over a month out of each contact.
I do understand some can't wear them as long as I do.

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Re: Mustachian People Problems (just for fun)
« Reply #3930 on: July 02, 2017, 04:44:06 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
Geez I can't believe that people would split up a $500 purchase over several cards

I'm in awe that the contacts cost $500 a year. I've been spending about $100 a year at 1-800-contacts. I get over a month out of each contact.
I do understand some can't wear them as long as I do.

Yeah, this price kind of surprises me as well.  R. Daneel Olivaw, do you have a special/weird prescription?  Weird astigmatism?  I just paid $252 for an 18-month supply of soft semi-monthlies back in October (1-800 Contacts), and my prescription is for correction of unusually strong nearsightedness.
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rdaneel0

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Re: Mustachian People Problems (just for fun)
« Reply #3931 on: July 02, 2017, 05:42:31 PM »
MPP:

My husband and I had to spend some money on clothing at the thrift store because we've both lost so much weight (not eating out, not drinking much, cooking, and hiking/working out in the park) that our old clothes didn't fit anymore.

My neighbors would probably also complain about the increased frequency of...noise...coming from our place ;)


Also, had to purchase new contacts and went through this conversation:

Me: I'd like to buy a year's worth of contacts now.
Them: Are you sure? It's really expensive, you can buy just a few months at a time if you want.
Me: No, that's ok, a year is good.
Them: Well, it's $500, so if you want we could put you on a payment plan.
Me: Uh, that's ok. I'll just pay today. (I hand her my credit card)
Them: Ok, so how many cards will you be splitting this between?
Me: Just that one.
Them: The whole $500?

GAHHH!!!!!!!!!!! She FINALLY did it, but I honestly felt like she thought I didn't understand that it was a whole $500, and couldn't believe someone could just afford to pay for that.
Geez I can't believe that people would split up a $500 purchase over several cards

I'm in awe that the contacts cost $500 a year. I've been spending about $100 a year at 1-800-contacts. I get over a month out of each contact.
I do understand some can't wear them as long as I do.

Yeah, I used to pay about $100 a year for monthly or weekly contacts. Unfortunately when I moved to a highly polluted urban area those contacts started to really bother my eyes. Apparently this is a fairly common thing that happens here. Anyway, I had to switch to dailies, which massively increased my contact costs. It's so annoying that glasses are covered but contacts aren't...I mean, it's not exactly a boob job. I just don't like having something sitting on my face and behind my ears (plus having zero peripheral vision). Blah!

Edited to add: yeah I do have a weird astigmatism.
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Re: Mustachian People Problems (just for fun)
« Reply #3932 on: July 03, 2017, 07:09:48 AM »
I update my HSA to Personal Capital manually on a quarterly basis.  I'm visiting family for the 4th and tried to do so today.  The company added security features now requires me to input the last 4 digits from my "attached debit card."  As I don't actually use the debit card it is sitting 3 hours away in a coffee mug with things such as my REI co-op card I never carry either since they can be looked up in the stores.  I won't be able to input my current account balance until Wednesday. 

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Re: Mustachian People Problems (just for fun)
« Reply #3933 on: July 03, 2017, 07:36:44 AM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..
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Re: Mustachian People Problems (just for fun)
« Reply #3934 on: July 04, 2017, 02:11:32 AM »

Geez I can't believe that people would split up a $500 purchase over several cards


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I've seen people use an EBT card, a couple credit cards, AND cash to checkout at Wal-Mart before..

Insane


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NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #3935 on: July 04, 2017, 06:47:26 AM »
I work at a company that considers itself a "Mission Based Company".  They actively balance profit and growth goals against their ability to help people.  Any I'm close enough to the senior management to know it's more than idle words.  They truly believe it, and run the company in a way they think will best benefit our customers.

The challenge:

The company is a consumer finance company.  By "helping" people, we are giving customers access to credit that banks won't provide.  These are mostly people with limited credit history and incomes in the $30-$40K range.  Loans are typically 30%-35% interest + fees.  Everyone is expected to be passionate about helping the underbanked, and it's a constant source of discussion.

My MPP:  Not rolling my eyes when the CEO talks about how many people we've helped is incredibly hard.  Although not "believing" in the mission would probably be a fireable offense.  Sure, we're WAY better than payday lenders and title loan companies, but I would never consider loaning money at 30% to be "helping" someone.

This is a fascinating MPP. Do you provide any budgeting advice with the loans? Could you? Do you ask about the purpose of the loans and reject them if someone believes they urgently need a trinket? Would you? Do you provide a savings service for the underbanked? [We have credit unions in the UK which are membership based savings organisations that provide reasonable loans.]

None of the above.  Fair Lending laws pretty much force us (in practice, if not in actual words) to remove subjective inputs from the loan decision process.  Either the algorithm approves the loan or not.  We do deny loans for LOTS of people that can't actually afford it.  We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

This is the biggest cognitive disconnect I've ever confronted.  Not only am I a natural saver, I am one of those mustachian's that is particularly debt averse.  I may not even buy a house until I can afford it outright.  Yet our CEO is always reading customer stories that are a combination of sad and heartwarming.  Things like people using loans to pay for adoptions, or a security deposit for an actual roof over their head.  Others include loans to help family members migrate to the US, pay for medical expenses, or open small businesses.

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Re: Mustachian People Problems (just for fun)
« Reply #3936 on: July 04, 2017, 08:32:06 AM »
We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

I get why this is but it seems kinda wrong to me. I would like to think that a company would need to show more restraint and control to responsibly lend than be the custodian for deposits.  Obviously, if there are irresponsible companies out there I'd prefer that they lent me money than took my money, but irresponsible lending does a lot of damage.

I didn't realise your Fair Lending laws worked like that - thanks. Ours seem to be slightly different, lenders can choose not to loan for certain purposes, even if the repayments are affordable. Having said that, they don't check (or I think, have a legal ability to check) that you used the loan for the purpose you stated. It's interesting that your laws force you to treat a loan for a holiday in the same way as a security deposit on (say) a lower priced home or to avoid homelessness.

Does it help to think of the next best alternative for these unbanked people? I'm guessing that dealing with your company is a whole lot more pleasant than dealing with an informal lender brandishing a crowbar?

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Re: Mustachian People Problems (just for fun)
« Reply #3937 on: July 04, 2017, 09:14:58 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

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Re: Mustachian People Problems (just for fun)
« Reply #3938 on: July 04, 2017, 09:30:10 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

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Re: Mustachian People Problems (just for fun)
« Reply #3939 on: July 04, 2017, 09:39:19 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

I was thinking the same thing. The sizes from the tags should be enough to determine fit.

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #3940 on: July 04, 2017, 06:05:12 PM »
We would like to offer a savings product someday, but that would require us to become a bank.  We're not ready to meet the regulatory hurdles for that.

I get why this is but it seems kinda wrong to me. I would like to think that a company would need to show more restraint and control to responsibly lend than be the custodian for deposits.  Obviously, if there are irresponsible companies out there I'd prefer that they lent me money than took my money, but irresponsible lending does a lot of damage.

I didn't realise your Fair Lending laws worked like that - thanks. Ours seem to be slightly different, lenders can choose not to loan for certain purposes, even if the repayments are affordable. Having said that, they don't check (or I think, have a legal ability to check) that you used the loan for the purpose you stated. It's interesting that your laws force you to treat a loan for a holiday in the same way as a security deposit on (say) a lower priced home or to avoid homelessness.

Does it help to think of the next best alternative for these unbanked people? I'm guessing that dealing with your company is a whole lot more pleasant than dealing with an informal lender brandishing a crowbar?

Yea, financial services is a weird industry.  The simple story is that a company that lends irresponsibly will blow itself up.  A company that lends irresponsibly and has retail deposits will blow itself up, AND require a taxpayer funded bailout. 

I do feel good about being a good actor in a bad industry.  But I still hate that there is a demand for loans at 30%+ interest.

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Re: Mustachian People Problems (just for fun)
« Reply #3941 on: July 04, 2017, 06:27:10 PM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

I was thinking the same thing. The sizes from the tags should be enough to determine fit.

Hahahahahahahahahahahahahahaha
Even two bras from the same company that are the same size sometimes fit differently because of the way they are shaped.

Do you have a friend with a sewing dress form/sewing dummy?  That would be close to the SMS request of a mannequin.  If you do use yourself as a model, I'm sure you know not to include your face in the pic and to consider wearing a thin shirt/bike shorts underneath.
Go soak your beans.  You know you keep forgetting.

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Re: Mustachian People Problems (just for fun)
« Reply #3942 on: July 04, 2017, 06:49:40 PM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #3943 on: July 04, 2017, 08:04:10 PM »
Self imposed hermit for 12 days while my family is out of town. My goal is to drive as little as possible, spend as little as possible (1 grocery trip IF I run out of food), and overall be the antithesis to any overspending that the family is doing while out of town.

Well today was pretty boring and lonely. Didn't want to drive, or pay to hang out at a coffee shop. So I walked to the dog park, but no one was there because people all have better things to do on the 4th. Human interaction FAIL.
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Re: Mustachian People Problems (just for fun)
« Reply #3944 on: July 05, 2017, 02:44:06 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

I was thinking the same thing. The sizes from the tags should be enough to determine fit.

Hahahahahahahahahahahahahahaha
Even two bras from the same company that are the same size sometimes fit differently because of the way they are shaped.

Do you have a friend with a sewing dress form/sewing dummy?  That would be close to the SMS request of a mannequin.  If you do use yourself as a model, I'm sure you know not to include your face in the pic and to consider wearing a thin shirt/bike shorts underneath.

I managed to fit into it. Took a picture with the auto-trigger. But as it had autofocus and I had to push the button while I was standing close, it isn't very sharp. Then I cut out the picture, only showing the corset and that part of my body. Not my head and not my wider hips under it. It wasn't too revealing. I didn't put on the g-string, which would have been too uncomfortable.

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Re: Mustachian People Problems (just for fun)
« Reply #3945 on: July 05, 2017, 09:32:18 AM »
Quote
The sizes from the tags should be enough to determine fit.

Tell that to that size 36 that was smaller then the 32 I was wearing last time I needed trousers.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3946 on: July 05, 2017, 09:40:14 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

You were both right and not. I still think the person who asked for a picture on a body was a girl. She asked to put it on a clothing manequin, which I don't have. But today I also received the first personal message from a guy named Karim who wrote me that my body looked very pretty under that corset, if it was my own body on that picture. So I have now removed the picture that doesn't show my head, but shows my cleavage.

It obviously takes a man to think like a man...

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Re: Mustachian People Problems (just for fun)
« Reply #3947 on: July 05, 2017, 10:07:08 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

You were both right and not. I still think the person who asked for a picture on a body was a girl. She asked to put it on a clothing manequin, which I don't have. But today I also received the first personal message from a guy named Karim who wrote me that my body looked very pretty under that corset, if it was my own body on that picture. So I have now removed the picture that doesn't show my head, but shows my cleavage.

It obviously takes a man to think like a man...

I'm not a man, but a suspicious woman in the US. Lots of skeevy guys online here... (and non-skeevy, but no need to worry about them0

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #3948 on: July 05, 2017, 10:13:19 AM »
I don't even like the frugalwoods. I just signed up for Uber Frugal July to participate with this community. But now it doesn't seem right to talk about how useless these frugal tips are for us.

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Re: Mustachian People Problems (just for fun)
« Reply #3949 on: July 05, 2017, 11:01:06 AM »
Now I have a problem. I made an add on the Norwegian version of Graig's list for some lingerie that was laying unused (ever) in my closet. I put it on a flat surface and took pictures. Now I got an sms asking me to put it on a clothing doll so that a potential could see better what it looked like. Now there is a reason I am selling this and that is that I don't wear it. It doesn't even fit. But I do want to sell it. So I will have to put it onto muself, looking like a sausage in this thing, or improvise with using a sleeping bag in it's pouch or sometinhing similar. Quite a bit of extra work to get something sold. And I put in a low price, as I saw similar lingerie on discount for sale for that price.

No - don't put it on. I suspect the sender just wants some free pics of a lady in lingerie! This sound suspicious to me.

Yes, this. Pretty much guaranteed the person will not buy the lingerie and will instead just keep the picture. You could always send the person a link to a similar style on the company's website.

You were both right and not. I still think the person who asked for a picture on a body was a girl. She asked to put it on a clothing manequin, which I don't have. But today I also received the first personal message from a guy named Karim who wrote me that my body looked very pretty under that corset, if it was my own body on that picture. So I have now removed the picture that doesn't show my head, but shows my cleavage.

It obviously takes a man to think like a man...

I'm not a man, but a suspicious woman in the US. Lots of skeevy guys online here... (and non-skeevy, but no need to worry about them0
I'm also not a man. Craigslist is full of scammers even when the posting *doesn't* involve lingerie..can't imagine what weirdos would come out of the woodwork here for a photo!