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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Mindful Chickens 11/15/2017

Our son was married this past weekend. As he said, “This wedding has a lot of moving parts …” We are slowly coming out of our happy preoccupation with our kids’ lives.

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Mindful Chickens? We are frugal so that our retirement savings will last as long as we do. At the same time we try to consume responsibly so that our choices have the least negative impact on our fellow humans and on our earth and its creatures.  Cheep, Cheap!

Mindful Chickens of the past few weeks?   

American Clutter

I watched an 18-minute video about Americans and their clutter.  https://www.youtube.com/watch?v=3AhSNsBs2Y0 

 (I read about it in the letters section of The Non-Conformist Advocate.   http://thenonconsumeradvocate.com/ )

The book it is related to is this: Life at Home in the Twenty-First Century: 32 Families Open Their Doors. http://www.ioa.ucla.edu/press/life-at-home

From Our Hit Parade of $ Mistakes

I said last week that I would list The Dumbest Money Things Len and I have done in our lives.

1. Oops. I forgot to get a graduate degree at the Iowa Writers’ Workshop. What would my writing career have been like with top-notch editors, agents, accolades and cash?

I have no idea. I write fiction but I don’t live it

Mindful Chickens 10/23/2017

1. The most effectively frugal thing I did last week -- was have a cold. I walked some of those beautiful days… but other than that I stayed home with my germs.

Botanical Gardens

10 Things I Learned By 65

Yesterday I turned 65. My birthday weekend was great; we saw all the kids and our grandbaby. The baby smiles slowly at us now. When she feels brave that we will be nice to her, she lifts her hand and waves. My socks melted.

So now I’m old!  Well, at least on the outside … inside I feel a smooth 47.  I went for a long bike ride Sunday afternoon and I wasn’t even sore yesterday when I apparently walked seven miles (in two walks). That’s cool!

Mindful Chickens 10/6/2017 and 10/11/2017

Mindful Chickens? We are frugal so that our retirement savings will last as long as we do. At the same time we try to consume responsibly so that our choices have the least negative impact on our fellow humans and on our earth and its creatures.  Cheep, Cheap!

 Last week: This has been an askew week. Len was gone three days; we are together so much (neither of us ever had a traveling job) that it’s odd when we are separated. It’s a welcome break, but it does bump the normal. 

DP Wigley
Happy Birthday Bruce
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