Well... the neighbor never showed up to help make the goat pen or do the fencing so we're going to have to do it today and hopefully pick up the baby goaties tomorrow. I thought for sure this guy was going to be helpful. Perhaps something came up. Always looking for the good side in people.
However, on the way home from work, Hubby got a flat tire. Delayed our evening plans. Horrible.
Fun evening. Headache. Nausea. Early to bed.
Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts
Credit Nightmare
I don't use credit cards. Haven't had one for about 13 years... since my Kid was a newborn. Decided if I didn't have the money, I couldn't afford it. I was absolutely fine with not using a credit card (I use my debit card and keep track of every expense.) So my credit report shows almost no activity in the last 13 years.
But... I checked my credit score, and it was pretty low because of the no-credit-card thing. Or, I thought. I applied for a credit card not too long ago... just to use once a month, and pay it off immediately. That was supposed to get my credit score up. I was denied. Huh? So I tried to get my credit report, and was denied that too. Because I didn't answer correctly about a loan taken out under my social security number a few years ago. I didn't take out any loans for anything in quite a while.
Red flag.
I sent off all of the required paperwork, but got a letter from one of the three big credit report places. They needed more documentation about my current address. I called them. Turns out they have the wrong address! That means someone has ... I don't know. Done something.
So I'm in the process of fixing it. Thankfully we won't put the mortgage under my name at all, so the purchasing of the house won't be a problem. Unfortunately, it appears that something is really really wrong. I put on a fraud alert on my account. That lasts for only a specific amount of time so I hope I can fix the problem by then.
Geez.
Unbelievable.
But... I checked my credit score, and it was pretty low because of the no-credit-card thing. Or, I thought. I applied for a credit card not too long ago... just to use once a month, and pay it off immediately. That was supposed to get my credit score up. I was denied. Huh? So I tried to get my credit report, and was denied that too. Because I didn't answer correctly about a loan taken out under my social security number a few years ago. I didn't take out any loans for anything in quite a while.
Red flag.
I sent off all of the required paperwork, but got a letter from one of the three big credit report places. They needed more documentation about my current address. I called them. Turns out they have the wrong address! That means someone has ... I don't know. Done something.
So I'm in the process of fixing it. Thankfully we won't put the mortgage under my name at all, so the purchasing of the house won't be a problem. Unfortunately, it appears that something is really really wrong. I put on a fraud alert on my account. That lasts for only a specific amount of time so I hope I can fix the problem by then.
Geez.
Unbelievable.
Monthly Shopping Trip!
I get my money once a month, which allows about $500 for spending on food and toiletries for the entire month. On the day the money hits my checking account, I start reviewing grocery store circulars (especially King Soopers) and anything I can find for Wal-Mart and Vitamin Cottage. Then I make my list for the coming month's needs, and go shopping the next day.
The good thing about holidays is that lots of goodies are on sale, especially this week. Here's a few things I found:
The good thing about holidays is that lots of goodies are on sale, especially this week. Here's a few things I found:
- King Soopers has gluten-free rice mac and cheese on sale for $1.00 a box! Believe it or not, that's a great price!
- KS has Kuner's chili beans for .69 cents a can.
- KS has cans of chicken and beef stock for .50 cents a can.
- KS has several types of apples - 10 pounds for $10.00. Same with pears, which my Kid loves!
- For meat, I usually find if I get to King Soopers early on a Monday, I find lots of "almost expired" meat, noted with a bright orange sticker, for sometimes 50% of the original price. I very rarely buy meat if it doesn't have an orange sticker.
Wal-Mart's circular didn't show much on sale that I wanted (baking supplies but I'm all full up!), but they have some great standby's that I usually get for a decent price (their "great value" brand): turkey pepperoni, taco shells, instant decaf tea, pizza sauce.
Vitamin Cottage online circular doesn't show anything from the grocery section, and I didn't receive a hard copy in the mail this week, but here's my list, none of which go on sale very often: vanilla goat yogurt, gluten-free montina bread, rice pasta, rice flour, bean flour, whole amaranth grain, and dried soup veggies/onion/garlic.
Since we couldn't garden this past year, we don't have much put away. However, I'm getting as much as possible some things that are on sale, and I'll dehydrate what I can, like cranberries and green beans. Maybe even a pumpkin! See.... this time of year I usually see potatoes, onions, sweet potatos, cranberries and nuts-in-shells on sale. Also cans of green beans, pumpkin pie filling (which is in short supply this year) and canned cranberry sauce. Among others. Perhaps the circulars just aren't showing these things, but take advantage of this time of year, especially the coming weeks, to stock on your favorite food supplies.
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