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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Too Much Stuff

Last week I drove a bag of clothes to Goodwill. Then I went into their store.

I do live a wild life, don’t I?

I came back out a half hour later with an All Clad 9” fry pan in perfect condition (they cost $80 new) and an antique rocking chair. The total was – wait for it - $10.

The rocker is small, has no arms, and is the kind of chair one sees in the boudoirs of the ladies who live in Impressionist paintings

"Learning to Live Authentically" - Interview with Lee Lee McKnight

Lee Lee McKnight’s magazine is called The Perpetual You and it is going to make my life richer, deeper, and more interesting; I bet it will do the same for quite a few of us. 

People who figure out how to go to give into the world what they need and want to receive; these are people I want to know. People who are creative and generous instead of critical and belittling; these people have something for us.  It has been an honor and a delight to meet Lee Lee via several long and wonderful phone conversations!

Franc's Extravagantly Frugal Garden

I have some great pictures!  Please click "Read More," then click on the pdf icon to open the story and photos of Franc's front yard. 

Mindful Chickens- Xpensive Milk & Cheap Capri's 7/11/2018

Mindful Chickens are (for people who don’t know why I call them this) about TWO things.

  1. Being Cheap (cheep, cheep).
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ONE – I’ve mentioned this before but in light of the news that Walmart is squeezing out MORE American dairy farmers, I am going to say it again.

What's in Vanilla?

I just read a flurry of emails on a frugal website about the rising cost of vanilla and how people are working around that while continuing to live their frugal lives.

Not one of the letters asked these logical questions.

Why has the price of vanilla risen so steeply?

What is happening to the people who grow and process it? 

"One must have sunshine..." Living Life Forward

This is another interview with a person who lives frugally and thoughtfully by design and by default. 

Thanks, Helle.

.....

How I met Helle Koustrup Berry tells you a lot about how she arranges her life.

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