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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The Choosing Season

“Decision fatigue helps explain why ordinarily sensible people get angry at colleagues and families, splurge on clothes, buy junk food at the supermarket and can’t resist the dealer’s offer to rustproof their new car. No matter how rational and high-minded you try to be, you can’t make decision after decision without paying a biological price.”  (https://www.nytimes.com/2011/08/21/magazine/do-you-suffer-from-decision-...)

The Arrows of Yore

I have a weird dark closet in the back of my soul. In it are critical things people have said to me in my life. I rarely consciously think about those old cuts and criticisms, but they are tucked in back there and sometimes I remember them uneasily.

Here are some of my particular arrows of yore:

“Can’t you do anything with her hair, Dorothy?” Dorothy was my mom. My dad liked his daughters’ hair to be curly and orderly, mine was straight and flyaway. I think I was in my 40’s before I realized OMG I do not have “problem hair”… whatever the hell that is.

Make Persimmon Cookies; Don’t make a Persimmon Life.

We are new subscribers to “Imperfect Produce” which is a service that delivers imperfect (duh) but safe and flavorful veggies and fruit to your house. This helps to keep “imperfect” produce from being wasted. (https://www.imperfectproduce.com/  I don’t get kickbacks from them.)

We are open-minded about trying new things to eat so when they included a pomegranate – cool. I enjoyed pomegranate, raisin, and walnut oatmeal I invented for myself.

Buy Angry

Frugality is a tool and a weapon. You can use it to be powerful.

What?

Frugality and Privacy

 “If you aren’t paying for the product, you are the product.”

When one of our kids was 8-years old, Len thought it would be fun to let that kid drive his car. I swear - though I doubt you will believe me - no drinking was involved. Len just really believes in our kids and sometimes this turns into bigger adventures than one would expect.

Did I mention the car was in the garage so it needed to be backed out? Also, the child in question was too short to adequately reach the pedals.

Mindful Chickens – Up North Weekend Edition 9/24/18

Mindful Chickens are (for people who don’t know why I call them this) 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 little things like bugs and crumbs, dollars and daily choices.

Several years ago our son and his wife decided that they were going to set a goal to visit every state park in Wisconsin. There are 50 state parks and they only have a few more to go; what a cool way to claim where one lives.

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