[speaker001:] All rightie.
[speaker002:] [Noise] Okay. Do you have a budget that you go on?
[speaker001:] Yeah. I sure do. Uh, I have, it's pretty much a ledger sheet and I just write down e-, all my bills, how much I'm going to have to pay and I do it per paycheck for me
[speaker002:] Uh-huh.
[speaker001:] which is every other week.
[speaker002:] Uh-huh.
[speaker001:] Uh, I mean I include everything from groceries to insurance to car payments to credit card payments, you know, everything.
[speaker002:] Uh-huh.
[speaker001:] And it tends to work out pretty well that way. I can anticipate, you know, a little better. I usually try to guesstimate and then when the bill actually comes in, I go ahead and fill in the actual amount.
[speaker002:] Uh-huh, uh-huh.
[speaker001:] That way I know how much pocket change I'm going to have left [LAUGHTER] at the end of the month
[speaker002:] Uh-huh, uh-huh.
[speaker001:] or at the end of the paycheck anyway.
[speaker002:] Uh-huh [sniffing].
[speaker001:] So that works okay for me.
[speaker002:] Uh-huh. Well, my bills I usually know approximately how much they're going to be.
[speaker001:] Right.
[speaker002:] Each month they g-, are more or less just about the same, you know.
[speaker001:] Uh-huh, same here.
[speaker002:] Uh, very seldom are they any different. And then, uh, like for groceries and everything, we try to put, like, two hundred and fifty dollars in a little can [LAUGHTER] in the kitchen [sniffing]
[speaker001:] Uh-huh.
[speaker002:] and then that's what we use to buy the groceries with.
[speaker001:] Oh, okay.
[speaker002:] And then we put our receipts in there, you know, and usually that's enough.
[speaker001:] Uh-huh.
[speaker002:] And, uh, but I don't have any, you know, small children to have anything extra come up, you know, like, uh, running to the doctor or something like that with them.
[speaker001:] Right. Luckily I don't either. I mean, you know,
[speaker002:] [Noise].
[speaker001:] maybe my cat would get sick but, I mean, usually that's not so much that it would throw me off [NOISE].
[speaker002:] Yeah, yeah, right. In fact, I did have to take my dog to the vet the other day [LAUGHTER].
[speaker001:] But you [LAUGHTER] so you know what I'm saying, yeah.
[speaker002:] Yeah. Tha-, that, it's worse than having a kid, huh?
[speaker001:] I, sometimes it can be.
[speaker002:] Yeah.
[speaker001:] Sometimes it can be. I guess the worst thing I've ever had come out is like car maintenance kinds of things.
[speaker002:] Uh-huh.
[speaker001:] But I do try to build in a little extra money each month to, to be able to do that type of thing so.
[speaker002:] Yeah, uh, I'm not working right now. I worked for P I E and then, uh, they went bankrupt so
[speaker001:] Uh-huh.
[speaker002:] I just went ahead and took my early pension.
[speaker001:] Oh, uh-huh.
[speaker002:] But I only get that once a month.
[speaker001:] Oh, that's tough.
[speaker002:] Yeah [LAUGHTER].
[speaker001:] My roommate only gets paid once a month and
[speaker002:] Yeah. So,
[speaker001:] that last week's pretty lean generally [LAUGHTER] speaking so.
[speaker002:] Yeah. So, you know, I really have to try to budget, that I don't go over that amount, you know, each month.
[speaker001:] Right. I, for, for years got paid once a month and, and in ways I liked it because I could go ahead and pay all my bills at once.
[speaker002:] Uh-huh.
[speaker001:] There's always one or two stragglers that usually they were, for me it worked out that they were the smaller ones
[speaker002:] Uh-huh, uh-huh.
[speaker001:] but I would pay all of them at one sitting and I would know okay, you can go spend this much on groceries now and you get this much a week and that is it.
[speaker002:] Yeah, right.
[speaker001:] And, and it worked okay for me.
[speaker002:] Uh-huh.
[speaker001:] I don't know.
[speaker002:] And,
[speaker001:] Right now I, I'm in the mode of trying to dig out of debt, I think as everybody is and so,
[speaker002:] Oh, yeah. Right now it's terrible isn't it?
[speaker001:] It's, yeah, it's really bad.
[speaker002:] [Noise] Yeah.
[speaker001:] But, uh, it's going pretty well and I've got a real good plan mapped out here, so.
[speaker002:] Uh-huh. I also like long-term Christmas club be-, you know. I used to belong to a Christmas club, last year I didn't.
[speaker001:] Uh-huh.
[speaker002:] Then, so then, naturally, Christmas comes along and that puts you behind too, you know. So this year, now I have them taking out fifty dollars a month out of my
[speaker001:] Oh that's,
[speaker002:] checking account for my Christmas club.
[speaker001:] Yeah.
[speaker002:] So I figure, you know, that's going to help some.
[speaker001:] That'll cover your gifts come Christmas time. That'll, yeah,
[speaker002:] Yeah, right, [NOISE] you know.
[speaker001:] That'll be good, yeah most people are spending three or four months di-, you know, at least, digging out after Christmas so.
[speaker002:] Right, right. And I'm ta-,
[speaker001:] Yeah, I, I was pretty fortunate this Christmas I didn't get in debt, so.
[speaker002:] Oh, that's good. I'm taking like, uh, sewing lessons to try to learn how to sew better than what I can
[speaker001:] Uh-huh.
[speaker002:] so I won't have to go out and buy the ready-made clothes anymore.
[speaker001:] Oh, uh-huh. It's so rare you hear anybody doing that any longer [LAUGHTER].
[speaker002:] I know. I even bought myself a Surgery, you know, and I just love it. I haven't learned everything to do on it yet but I figure that will help me save
[speaker001:] Yeah.
[speaker002:] you know.
[speaker001:] My, uh, roommate does sew some and, and, uh, i-, she hasn't sewed anything in a long time but I, I'm sure that she could pick it up again.
[speaker002:] [Noise].
[speaker001:] My mother always sewed. She tried to teach me when I was young but
[speaker002:] Uh-huh.
[speaker001:] not interested [LAUGHTER].
[speaker002:] Yeah. Well, see, some people are, some aren't because
[speaker001:] Yeah.
[speaker002:] I have some sisters, I have three sisters and [NOISE] none of those are really interested in sewing.
[speaker001:] Yeah. But that's a real good way to save money,
[speaker002:] [Noise].
[speaker001:] though by doing that.
[speaker002:] Yeah, and then I can also, you know, do some crafts and sell those at garage sales.
[speaker001:] Uh-huh, uh-huh.
[speaker002:] So, which I've been doing.
[speaker001:] Well, that's a good way to, to make a little extra money.
[speaker002:] Uh-huh.
[speaker001:] Well, this is another way that I'm making a little extra money so that was, you know, nice that I tripped over this opportunity and you're actually my first call.
[speaker002:] Oh, really?
[speaker001:] Yeah.
[speaker002:] Oh.
[speaker001:] I had not, uh, done I, I guess today
[speaker002:] Well, have you called?
[speaker001:] today's my first day that I could
[speaker002:] Oh.
[speaker001:] even do it.
[speaker002:] Oh, it is?
[speaker001:] Yeah, you beat me to the punch, here [LAUGHTER].
[speaker002:] Oh, well, that, that's nice [LAUGHTER] you know.
[speaker001:] I, I was about to call to get, to see if I could get on with somebody, so
[speaker002:] Uh-huh.
[speaker001:] so that was great.
[speaker002:] Yeah. Well I guess that's about all I can talk to about budgets. When I was working, I, uh, bought a bond a month out of my, you know, they automatically took it out of my
[speaker001:] Yeah.
[speaker002:] out of my payroll.
[speaker001:] Yeah. I take, have some money taken it and put in a Four Oh One K,