[speaker001:] huh um do y'all have a budget
[speaker002:] okay thanks well um yeah we we do um we've been married for twenty three years
[speaker001:] um-hum
[speaker002:] and we have um three teenage daughters and you know they're very expensive so um uh we yeah we have somewhat of of a system um it's it's kind of um you know it's it's kind of hard to explain we've actually gone uh just recently to you know having having two checking accounts we always had just one and now we're having two
[speaker001:] yeah um-hum
[speaker002:] um it's kind of hard to talk about this because to me it's very personal
[speaker001:] yeah it's um
[speaker002:] so I have to be that's that's kind of the way I feel about it you know
[speaker001:] yeah I usually uh my wife handles a lot of the day to day finances and of course we're the like everybody like a lot of people we just scramble through month to month you know and uh
[speaker002:] yes do you have a two income family or one income
[speaker001:] uh we have a two income uh family she also works
[speaker002:] yeah yeah
[speaker001:] and uh but she she enjoys it you know and and she's good at it um if it's if it's I am kind of uh uh I'm I'm pretty bad about procrastinating and one one of these days I am gonna do something about that but you know you know how that goes but uh uh if but she she handles it pretty well she uh
[speaker002:] um-hum yeah yeah
[speaker001:] she writes all the checks you know once a month
[speaker002:] so your wife yes is that what her is is her career uh related to to finance or accounting
[speaker001:] um sort of on a peripheral she's an annuity annuity annuitity administrator and so she uh she works for an insurance company but but she enjoys it she likes keeping track of all that stuff and uh
[speaker002:] oh uh-huh yeah so that's sort of related to her field a little bit
[speaker001:] yeah sort of and we you know we've experimented with with uh budgets you know from time to time uh
[speaker002:] yeah
[speaker001:] but if you know you have to keep up with them so a lot of times we just uh just kind of play it by ear we try to keep our um our retirement and our savings kind of automated so we never see that money just like taken directly
[speaker002:] yeah it's just taking it out right right yeah yeah we do the same thing
[speaker001:] yeah and that that's kind of handy yeah because if you don't see it you don't miss it and uh you don't spend it
[speaker002:] yeah if if you have something to take it out that's exactly what we've always done and we've had uh they've always had um where they match your funds you know sometimes if you if you save so much then they'll match it
[speaker001:] yeah uh-huh
[speaker002:] um that you know we've done that too but my husband works for an insurance company and he he has now for about oh gosh how long has it been ten years I guess
[speaker001:] yeah uh-huh
[speaker002:] but he was with another company before that but we have we have I I work also but I only have a part time job
[speaker001:] uh-huh
[speaker002:] and I get paid very little but um you know I try to use that money for food money Jim gives me a certain amount money you know we just transfer it into my account and then I use that for food household expenses and then I add my own check to that and then with that I try and handle
[speaker001:] yeah um-hum
[speaker002:] you know some of the clothes that the girls need and and things like that but the expenses that we need around have around the house
[speaker001:] yeah yeah so sounds like y'all pretty much do it the same we do just kind of
[speaker002:] so yeah
[speaker001:] play it by ear but but keep the the deductions you know coming on
[speaker002:] yeah we well Jim has Jim has a budget I mean he works it out every month and writes it all down
[speaker001:] uh-huh
[speaker002:] um you know I'm given so much money money a month so I am supposed to kind of get the food out of that so I try not to you know we don't
[speaker001:] um-hum
[speaker002:] you know I don't ask for more I mean I just try and make it on that because I think when you go to the grocery store you can just you can go crazy with all the choices that you have
[speaker001:] um-hum yeah yeah uh-huh
[speaker002:] and uh you can buy you can really waste a lot of money that way so um well how long have you been married
[speaker001:] yeah uh about five years yeah
[speaker002:] oh yeah so you're just really getting started so do you have a family too
[speaker001:] yeah uh I've got one little girl she's like uh nineteen months
[speaker002:] oh yeah yeah
[speaker001:] so uh she's she's not uh
[speaker002:] she hasn't affected your budget yet really
[speaker001:] not not really not too bad uh
[speaker002:] no no not like she will later on you'll you'll see that because all of a sudden you're paying you're trying to decide whether you are going to do you know soccer and piano and all these choices that they have of activities to do
[speaker001:] yeah yeah when uh-huh
[speaker002:] and then you really have to start saying okay now what can we afford you know what can we do here and then you have to really sit down and plan some more and uh but I think when we were back at your age we didn't have much of a budget
[speaker001:] yeah yeah
[speaker002:] and then as the girls got older I think we we did more and more of that you know more budgeting as as they got older
[speaker001:] um-hum
[speaker002:] um but um but what do you do do you
[speaker001:] I'm uh I I work for I'm an electronic technician I work at uh for a university uh Georgia Tech uh research
[speaker002:] oh okay oh well good good
[speaker001:] as a so I just uh
[speaker002:] well we just have yeah we have a good friend that's about to move to Atlanta I guess we're not supposed to talk about those things I better get back to the subject but um budgeting I found you know I feel a lot better you know we used to work out of one checkbook
[speaker001:] oh well um-hum
[speaker002:] and it would be very hard for me because I wouldn't have I wouldn't have any idea of how much money I was spending in one month now I have know exactly what I'm spending and it is so much
[speaker001:] yeah