A Penny Saved is a Penny Earned

A Penny Saved is a Penny Earned -
Benjamin Franklin

Wednesday, January 10, 2018

Credit Safeguard - Freezing Credit Reports

Credit bureaus’ little secret: A cheap way to foil ID theftAfter the whole Equifax debacle many companies have jumped on the bandwagon and offer safeguards for your credit and identity theft protection from hackers using your information to obtain loans in your name. Over 143 million people may be affected by the breach. Of course all this comes at a cost. But beware of credit monitoring services who offer (for a fee) to provide alerts if credit is opened in your name. Look at the Money Magazine report here.
Instead of trying to fix the problem after it has happened, freeze your credit report with all three credit reporting bureaus. It will prevent lenders from accessing your file to approve new credit cards or loans. Make sure you periodically check your reports for any inaccuracies. You can request these free annually at annualcreditreport.com. I recommend checking one every four months rather than all three of them at the same time (put it on your calendar as a reminder).
Also, some credit card companies offer free alerts. Discover card is one that will alert you if credit has been opened in your name and not only with Discover but for any credit.

Note: There may be a small fee to either freeze or unfreeze your credit report but it is well worth it for peace of mind.

More information about freezing your account at the Federal Trade Commission site

If you are a victim of identity theft read how you can get help here

Filing Taxes -
Another form of fraud is filing income tax returns so make sure you file your tax return promptly (if you don't have all the information, file anyway - you can always file a corrected return at a later date).

Monday, January 1, 2018

Setting up a Budget


Happy New Year Greetings Cards 2017 -Free Download - Human Boundary
If living within a budget is on your list of New Year's Resolutions, click on my Budget page for links to budgeting ideas or look for money saving ideas, how to reduce debt and budgeting in my Penny Saved book


Saturday, December 30, 2017

Monday, December 25, 2017

Free Cozy Mystery

A Graceful Death by Ann Summerville is currently free for Kindle (until December 29, 2017).

Merry Christmas everyone.

A Graceful Death - No. 1 in the Lowenna series

Giovanna Matthews has an acceptable life in London with her own flat, a good job, and recent engagement to the son of a Scottish landowner.  But not long after her engagement to Alan, news of Aunt Grace’s death hits Giovanna like a red double decker bus.  Ignoring Alan’s pleas to stay, she bundles her dog and suitcase into a rusty Volkswagen and drives to Aunt Grace’s cottage on the Cornish coast where Giovanna had spent childhood summers with her cousin.  Putting her aunt’s affairs in order is further complicated when Giovanna discovers the local constabulary has its own view on Aunt Grace’s demise - A view that Giovanna vows to challenge.  Unless she can discover how her aunt died and find her missing cousin quickly, she stands to lose both her inheritance and Alan.   

Like the old harbor wall, Giovanna’s feet sink into the sand and it becomes more difficult to leave a village where she is accepted as part of their “family.”  There’s Mrs. Penrose with her flyaway gray hair and floral wardrobe; The sensible Mrs. Trewellyn who owns the grocery store; Holly, a long time friend and confidant; and Miss Brea who learned to drive in her retirement years.  Self-centered, Alan threatens to break off their engagement if Giovanna doesn’t return to London.  Should she stay and solve the mystery surrounding her aunt’s death or return to London and her fiancé?


Wednesday, December 20, 2017

Watch Batteries

DollarTree now stocks watch batteries. At $1, they are considerably cheaper than in other stores. I buy most of my batteries at DollarTree and although they might not last as long, I still feel they are a good deal.

Wednesday, December 13, 2017

Air Freshner Ideas

Hop on over to Easy Projects for the Home at HGTV
HGTV video tips


  1. Put charcoal in mesh bags (charcoal absorbs odor)
  2. Put leftover candle wax in a lidded jar, make holes in the top (hammer a nail through the lid to make the holes). Leave in your car. The heat will melt the wax and emit a pleasant aroma