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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"It's Good for You" Pizza

The Best Pizza Ever is in Madison 

Click here for their info:   “It’s Good For You”   

Last weekend, while out of town, we decided to stop for a pizza at the place where our son works one night per week. If you know my kid, you know he was manager of an artisanal pizza place for years. He doesn’t miss managing an entire restaurant. Apparently, he DOES miss making spectacular pies and then baking them at temps high enough to burn the hair off his arms.

What’s Scary & What’s Not Scary

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Happy Halloween! I think because this is mostly a kid’s holiday, it tends to evoke a lot of sweet and funny memories from our childhoods and then of our kids.

Remember when we (who are now antique kids) collected candy in paper grocery bags that we had decorated with crayons? And then it would rain and one would have to carry the bag in both arms and run between houses while drenched and noisy and not even caring?

Obviously I remember that.

Frugality Hacks or how I saved $64,000,000, so far.

I read the ‘frugal things I did’ letters in other people’s huge and interesting frugality blogs. I figured I could list some of the ways I saved some money this week (this life). I’m pleased to say I saved about 64 Million.

Quarantine Diary #645 - Granola

Two recent tweets : Someone named Kate Harding tweeted; “What haunts me is that I am not just smart enough for so many people to be this much stupider than me.”

And from Di, Obstinate Hoper; “I’m starting to think of pandemic caution like labor: buckle down during peaks, relax a little between them. Hang in there, folks. It’s a damn long labor.”

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If our finances were stretched we wouldn’t have gone to New Mexico. We are doing fine despite the advice that says one ought to retire with a million dollars in the bank. Imagine that.

1. We and, at this point, about half the nation, have had our Covid vaccines so we felt safe and ready to see something new. However, we traveled to a place where they had worked WITH the effort to fight this pandemic. This limited our choices and is the #1 reason we didn’t go to the Badlands. How we spend $ is our power.

The Mindful Chickens are Wordy Today

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

  • Being Cheap (cheap, cheep).
  • Being thoughtful about how choices affect our community and our earth.
  • Paying attention to the constant tumble of dollars and choices.

This is my collection of wise choices and dastardly schemes from the last two months.

ONE: Our electric toothbrush/water pick would no longer hold a charge but a new one costs more than $100. Len took it to the battery store where they replaced it for $15.

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