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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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? 

Mindful Chickens - “Are We Lit Yet?”

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.

Mindful Chickens – The “It’s been a while...” edition 1/18/2019

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.

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.

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