[speaker001:] do you wanna tell me about your budgeting plan
[speaker002:] yeah our budgeting plans includes me getting a job we're we're at the point now I I uh I quit working about six months ago to start this house
[speaker001:] uh-huh
[speaker002:] and I'm out of cash and I'm not out of project yet
[speaker001:] oh no
[speaker002:] so uh I'm gonna go back and do some consulting work as far as budget's concerned I'm I'm fairly fortunate uh we've we're right now where if we don't buy anything extra we can make it on what my wife makes so uh the project's kind of halted until then as far as budgeting is concerned you know we have uh some pretty strict guidelines that we go for you know we always put ten percent back and that's a never touch
[speaker001:] uh into savings
[speaker002:] yeah
[speaker001:] huh
[speaker002:] either savings or investment one of the two but we don't ever put it at a high risk it's just always gonna be there
[speaker001:] well that's pretty good
[speaker002:] and as far as the rest of it's concerned we don't have any kind of uh what I would call extravagant expenses you know uh we uh we pretty much live on about eight nine hundred a month you know just travel to and from work and clothing and food
[speaker001:] boy that's pretty good
[speaker002:] and the rest of it you know we pile into the house and uh you know I'm fairly fortunate I mean our credit cards are out to the max right now because I'm
[speaker001:] sure
[speaker002:] a little a little behind on that but uh we're still making the payments on them it's just uh when you see in Texas you cannot borrow the money to build your own home and do it yourself
[speaker001:] yeah it's it's tough here too you have to have the contractor sign with you
[speaker002:] right exactly
[speaker001:] but it's easy to find a contractor for a couple of hundred bucks who'll sign it and let you do it here in Utah where I live that is
[speaker002:] yeah and where I live it it's pretty scary because Texas is one of those strange states where if you have a contractor sign on your note like that and you screw up you don't get it finished the bank can eat the contractor
[speaker001:] uh-huh oh bad for him huh
[speaker002:] yeah bad for him but the homeowner can't be touched it's a homestead state
[speaker001:] hum is that right
[speaker002:] yeah see right now if I quit paying any of my bills the only thing they could do is cut off the electricity they can't take your land unless you don't pay your land taxes period
[speaker001:] wow
[speaker002:] you know they take your car and your clothes and your anything that's not the tools of your trade but as far as uh you know  you're pretty much bullet proof in this state
[speaker001:] well that's kind of handy
[speaker002:] yeah
[speaker001:] I just finished James Michener's Texas book pretty interesting
[speaker002:] uh-huh
[speaker001:] Texas has quite the history
[speaker002:] well you know we're we're not ones to budget much you know we just got to spend it all
[speaker001:] that's kind of what we do we uh we're LDS and so we pay ten percent tithing
[speaker002:] um-hum um-hum
[speaker001:] and then I know we put I guess it's like fifteen to twenty percent into a savings account
[speaker002:] um-hum
[speaker001:] but that sometimes we use for emergency type things
[speaker002:] yeah
[speaker001:] but uh and my wife doesn't work we're fortunate that way that I make enough to do what we wanna do
[speaker002:] yeah yeah we're pretty pretty fortunate as far as the uh the budgeting is concerned because you know we don't have any long term debt you know uh we paid cash for car well we bought the car on time one of them but we you know we since paid it off and
[speaker001:] well that's pretty
[speaker002:] the land is paid for cash so we don't have to worry about that
[speaker001:] that's a great position to be in
[speaker002:] well it's fraught with other problems
[speaker001:] is that right
[speaker002:] yeah I'm not very motivated
[speaker001:] oh what kind of consulting do you do
[speaker002:] uh systems consulting computerization for construction firms
[speaker001:] is that right I'm into computers too I I'm a E D P auditor
[speaker002:] yeah are you oh
[speaker001:] and
[speaker002:] you into mainframes
[speaker001:] yeah and PCs
[speaker002:] and oh really
[speaker001:] yeah I'm just brushing up on well C plus plus
[speaker002:] are you really
[speaker001:] uh-huh and
[speaker002:] I just got that a few days ago
[speaker001:] trio
[speaker002:] oh jeez don't get me to lying I bought it at a fire stale
[speaker001:] ah
[speaker002:] this guy's place burned down and he had a bunch of computer stuff and you know I bought it all it was two hundred bucks for everything he had
[speaker001:] you got a buy
[speaker002:] well some of it wasn't worth anything you know you know a lot of the uh diskettes were just totally unusable
[speaker001:] sure melted
[speaker002:] well yeah or wet
[speaker001:] or just wet or
[speaker002:] okay but I did get out of there with uh Vermont Views which is a huge subroutine library