Mary Beth Writes

Just figures; all the frugal sites i read are talking about freezing lovely produce from their gardens - while I'm  freezing my credit report...

Per my Mindful Chickens of just this morning - I just froze two credit reports and fraud alerted the third. There are apparently two smaller credit reporting agencies I never heard of before, so I’m doing nothing about them at this time.

I suggest you read this first. Krebs is a well-respected guy; I heard him interviewed on an NPR show a while back. Read “about the author” section for more credentials.  

https://krebsonsecurity.com/2017/09/the-equifax-breach-what-you-should-know/

Freezing the credit reports was not NEARLY as hard as I expected it to be.  If you use the links in Krebs’ article, it takes you directly to the Security Freeze pages of each of the websites. 

Equifax did not charge me to install the freeze.  Experion and TransUnion charge $10 each. Which means in a marriage of two people, you will pay $10 for EACH freeze, which is $40. Unless you have a police report on credit fraud against your account. You can read more about it in the article.

Last night when we noticed the mysterious $50 charges and repayments in our credit bill – Len sent an email to our credit account company.

WHILE I was putting the credit freeze on TransUnion – our credit company card cancelled our card so I could not charge the $10 fee to it. Isn’t life simple? I called TransUnion, the guy said to put a free 90-day fraud alert on it. Then when we get the new credit card, we can pay the fee to get the freeze then.

We won’t freeze Len’s credit reports until we get our new cards.

All I want to clearly say here is – this was not hard.  It took less than an hour to do the three reporting agencies. They do ask some security questions, but I could answer them.

I now have pin numbers that I will put in our regular safe place. If we want to buy something big (like a car or open a new credit card) with credit we will have to call (or email) the reporting agencies, give them the pin, and they will give reports to whomever we designate.  But since we are at a very stable and boring place in our financial lives (Praise Be) we probably won’t do this much or ever.  In the meantime we don’t have to worry that our credit is living a Pulp Fiction life without us. 

Comments

Grrrrr. Been there, done that. What a pain

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Bread, Tortillas, and Chocolate

 As many of you know, I follow a website called The Non-Consumer Advocate, written by Katy Wolk-Stanley who defines herself as “… library patron, leftovers technician, Goodwill enthusiast, utility bill scholar, labor and delivery nurse, laundry hanger-upper, mother and citizen.” She has purchased very little newly-manufactured consumer goods since she joined The Compact; a movement of people who choose to rethink mindless consumption. http://thenonconsumeradvocate.com/

The Money for Our Brother is Raised

We got the balls rolling!

Irony of the universe here.  I have written a lot this week but none of it turned into writing I wanted to post on this website.  Just awkward, mawkish, rambly writing.

I was hard-thinking why I do this and it wasn’t self-pitying thinking.  (I know how to do that, too, but this wasn’t that.) 

Then late yesterday afternoon Helle said Our Brother needs help and the total of what he needs is more than she could support him with. I said I would think about it.

April 15th is a Rough Day for Many

Here’s something I bet many of you of the “white privilege” class are not aware.

I sure wasn’t thinking about this until yesterday.

Monday is April 15th. All of us know what that means, don’t we?  Ha-ha. Time to get our taxes posted or an extension applied for!

Know what else it is?

Utility cut-off date.  Monday is the last day for people who owe money to their utility companies to pay those bills. If they don’t, their heat and lights go off Tuesday.

Mindful Chickens – Carrot & Grape Oatmeal 3/23/2019

Other people call them “frugal things I did lately”. I call them Mindful Chickens because they are about:

1. Being Cheap (cheap, cheep).

2. Being thoughtful about how choices affect our community and our earth.

3. Paying attention to the constant tumble of dollars and choices.

... 

1. I’ve spent hours lately working on two self-inflicted writing projects. One is about the Midwest in the 1600-1800’s. Why do I care? I don’t know but I’ve been working at it for a long time and I still am.

Mindful Chickens – Windy Sunday 2/24/19

Other people call them “frugal things I did lately”. I call them Mindful Chickens because they are about:

1. Being Cheap (cheap, cheep).

2. Being thoughtful about how choices affect our community and our earth.

3. Paying attention to the constant tumble of dollars and choices.

...

Franc's half-minute of Fame - And do you recycle?

Remember when I said to watch Franc on TV?  Contributing Editor (and BFF) Franc Garcia was interviewed for 15 minutes - but all they used in the CBS58 video was less than a minute.  Here is where to find it!  

 While we are talking about reusing and recycling, here are two interesting videos.

Click here: What happens to recycling? 

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