November 2015 Frugal Chat Thread

[avoncallingu]

OMG J&C! I'm so sorry to hear about your wound situation. Hopefully the credit agencies can get their info straight too!

[coupon girl]

jasper hope you are coming along sorry to hear about your incision


-well gonna call my family doctor on Thursday about the eye specialist I need to get
-took ashlyn to an early children centre today -free and its like a daycare situation -it was fun we took her at 10.15 came home at 12.15-they have water play,a small childs kitchen , a tool box ,playdoh table and they had gym time from 11.-11.20 she ran around so excited burned a bunch of energy off-came home had lunch and slept 2 hours

[Crochetlady]

@jasperandchar Sorry to hear about your health and financial situation. Hope things turn around soon. @coupon girl Sounds like you had a fun day with Ashlyn.

[SassyAshley]

Nancy hope things start to turn for you with the credit situation as well as the incisions

[SassyAshley]

Good Morning All,
WE have reached Thursday and I could almost happy dance.

Went to Wal-Mart last night and they did not have the new sleep vitamins I wanted to try so picked up something else. Did not get a perfect night sleep but much better then before, I can only remember waking up once and I was not up for hours trying to fall back asleep. Hopefully I can right my sleep situation.

Trying to juggle everything lately has been a bit of challenge as much as we need to keep me on order desk until my replacement is found since I will be moving roles at the start of the year we are planning ahead and seeing what changes can be made. I must say I am excited had a great conversation with my Dad the other day and looks like there will be a lot of changes to come next year but all good changes which really excites me to see what we will be able to get done with me in this new roles. Looks like a lot of work ahead but I am up for the challenge.

Had a really bad night the other night, my crocheting is piling up and for the the last few nights I feel like I am not getting enough done in a night. Well the other night did not help I have no idea why, well I think it was because I was so overtired but I keep messing up. I had to pull out 5 rows went to re do them and then had to take out 3 rows so I gave up and went to bed. I think between the lack of sleep and the stress I am doing it to myself. So I am hoping things turn around and from now to the end of the weekend I can knock off a couple project and get myself in a better place. On the plus side one of Mom's co worker has said if I do not have hers done until after Christmas that is fine as they are for her and she wants them but does not need them right away. Still with the changes coming in the new year I would like to get as much done now as I can.

Did some grocery shopping last night, did not need much just a few things here and there and Mom paid which was a nice surprise. Mostly just needed the must haves, Milk, Eggs, Yogurt, plus Mom wanted a chicken to make soup which were on sale at Food Basics. I have to say recently we do not grocery shop regularly and are using up what we have which is nice, the only thing I am making sure to stay on top of Meat which I think we are good on, only thing I can say we are missing is Steaks. This week I saw a few things I wanted like Almond Milk but all and all I think we are pretty stocked up which makes me happy as our grocery bills are next to nothing and I think I will use the surplus for Christmas but even then I think we will go into next year with a surplus as I am not seeing much we need even for Christmas.

Have a great day everyone, off to see if I can make the computer system do things, me against the computer.

[Frugalbigmama]

Here it is the credit report is free, you can do an automated request and that is where with TransUnion it asked to confirm my address and it's my address from 20 years ago so I was denied the automated request which would be mailed BUT instead had to follow link #2.

here's the phone # link request
https://www.transunion.ca/ca/persona...yphone_en.page


here's the link to what is needed to confirm your identity and what to send as proof.
https://www.transunion.ca/ca/persona...e/mail_en.page


Here's the other credit bureau - the credit report is free BUT your credit score is $11.95 I believe
http://www.equifax.com/home/en_us

hope that helps but ridiculous to say that they are giving credit information to banks, credit card companies, loans, etc and that my information is 20 years out of date. So obviously my credit history for the last 20 years is not showing with transunion.

Thanks for the info but that seems like a lot of work for a free report for me lol. I should just pay for one again since I haven't done it in awhile. Hope you get yours sooner then later so you can figure it out and stop worrying.

[jasperandchar]

Thanks for the info but that seems like a lot of work for a free report for me lol. I should just pay for one again since I haven't done it in awhile. Hope you get yours sooner then later so you can figure it out and stop worrying.

Whether you pay or not it's still the same amount of work. You need you to confirm your identity. If everything is in line then the process should be painless but if not then you have to send away etc. The process is the same for everyone.

Where would you pay to make it less difficult, I'm confused as you have to go through Equifax and/or TransUnion????? please tell

And why would you pay for the credit report when you are entitled to 1 free credit report a year. The credit score must be purchased however.

[jasperandchar]

thank you everyone for your kind words and genuine concern it means a lot.

Wishing everyone a wonderful day.

[Frugalbigmama]

Yeah it's Thursday and I am off tomorrow!!! (and Monday too so a 4 day weekend) SO excited lol. Think tomorrow will be a girly day. Going to try and book a massage, get my brows and nails done Will work my butt off tonight cleaning the house and getting all the laundry done and put away. Saturday we are going to Barrie to watch family in a tournament so will pop into Costco (and anywhere else I think I need to go to take a look with Christmas shopping in mind) Still have about $125 in Costco Gift Cards from my phone upgrade so will be some free shopping Then back to Barrie on Sunday to head down to Toronto with my sister to watch my sons band compete in round 2 of the Battle of the bands

[sweet sparrow]

My understanding is the credit report is free but the credit score is a fee. On TransUnion I could not see a place to pay for the credit score, HOWEVER, the address they have on file is 20 years old which is very concerning because obviously they are not current which is extremely disheartening. Who knows what else is out of date????

How can a they have my address from 20 years ago as my current address in Quebec and I've lived in Ontario since 1998???

Anyone else have such a problem?

I think I've had issues with both Transunion and Equifax. I've heard that Equifax is usually much more up to date and that things take much longer to process with Transunion. I think for the past few years, Equifax has on record that my current address is the one I had years ago in Toronto, but mails me my updated history to my current address. How bizarre.

What is the website? Transunion.ca? I will go check mine. Did you get the actual report? and it was free? I did it years ago but paid and it was the other company I believe.

You can call both and request your free history as many times as you like. Sometimes I do it more than one a year and have had no issues.

@Sweetsparrow -last night, I had Eggo waffles with jam, chicken noodle soup (Liptons and added lots of dried basil to it), a tin of flavoured tuna and three servings of Jello chocolate pudding, with a late-night mug of tea. I have a partial cold and it's lingering like a sinus headache that won't go away. Tonight I'll cook pasta and have some garlic and chili flakes to see if there is some relief.

It sounds lovely. Yesterday I had pasta with garlic for lunch but had a violent coughing fit and it came back up. Last night, the congestion was so bad that I woke up at 4:30 AM, completely unable to breathe. I will certainly have to check my stock of tissues in the basement.
@jasperandchar : I hope the doctors are able to look after you regarding your care after surgery. That sounds terrible!

[Ciel]

@Sweets parrow - Oh, I'm sorry to hear that supper did not stay with you. I only got slight headache/cold relief from having some garlic (sauteed a bit in olive oil) with chili flakes and some leftover spaghetti sauce last night. This morning I was awake from 4am to about 6am. The pouring rain did not make the headache go away so I put 400mg of ibuprofen to use and got some relief. My tonsils seem to have calmed down but one in particular flares up each day. Maybe it's time for wasabi-coated peas and air popped corn for me... I've noticed that I cannot be in a room when one dehumidifier is on-my throat seems like sandpaper when I notice the heated plastic airstream from the unit.

@jasperandchar -I don't know why the TransUnion office in Burlington (Hamilton location closed two years ago) is still using a Hamilton postal address for mail. But a 20 year old out of date address is a matter to definitely take up with the credit reporting agency. The timeline to wait seems in line with what I had (for sending in my request for the free report and also mailing my changes to the agency) experienced.

[Crochetlady]

[QUOTE=SassyAshley;65

Had a really bad night the other night, my crocheting is piling up and for the the last few nights I feel like I am not getting enough done in a night. Well the other night did not help I have no idea why, well I think it was because I was so overtired but I keep messing up. I had to pull out 5 rows went to re do them and then had to take out 3 rows so I gave up and went to bed. I think between the lack of sleep and the stress I am doing it to myself. So I am hoping things turn around and from now to the end of the weekend I can knock off a couple project and get myself in a better place. On the plus side one of Mom's co worker has said if I do not have hers done until after Christmas that is fine as they are for her and she wants them but does not need them right away. Still with the changes coming in the new year I would like to get as much done now as I can.[/QUOTE]

I can so relate to that Ashley. Last night I had to rip out 4 rows and redid them before I went to bed. Such a silly mistake too but it threw the whole thing out.
BTW I learned a new slang crochet term for that. Frog...Say rip it rip it rip it fast. Hubby thought I was crazy when I said I had to frog 4 rows.

[lizzie bargain]

Sweet Sparrow-just a suggestion but have you seen your doctor in case you have developed a secondary infection on top of your cold? It sounds like you have been sick for awhile. I remember once it seemed I was coughing for months on end everytime I tried to speak and I had no idea what was wrong-eventually it turned out I had a sinus infection with a discharge irritating the back of my throat and once I got on the right anitbiotic the cough was completely gone. I know it can be very frustrating to figure out why certain symptoms persist. Good luck and hope you feel better soon.

[Frugalbigmama]

Whether you pay or not it's still the same amount of work. You need you to confirm your identity. If everything is in line then the process should be painless but if not then you have to send away etc. The process is the same for everyone.

Where would you pay to make it less difficult, I'm confused as you have to go through Equifax and/or TransUnion????? please tell

And why would you pay for the credit report when you are entitled to 1 free credit report a year. The credit score must be purchased however.

Pretty sure I didn't have to fill out huge forms and photocopy ID ever. Think it was Equifax and since I paid with Credit Card maybe they matched me up through that? I just know it wasn't a hassle like all that sounds.

[Frugalbigmama]

Whether you pay or not it's still the same amount of work. You need you to confirm your identity. If everything is in line then the process should be painless but if not then you have to send away etc. The process is the same for everyone.

Where would you pay to make it less difficult, I'm confused as you have to go through Equifax and/or TransUnion????? please tell

And why would you pay for the credit report when you are entitled to 1 free credit report a year. The credit score must be purchased however.

I haven't done it in years and would like to confirm that my credit score is still awesome so that's why I would pay.