[speaker001:] course I don't like talking about budgets no not my favorite subject
[speaker002:] oh you don't this is my first one we just bought a house about three months ago and so we had to go on one and um what I do is um just divide up my paycheck and put it in each category I put it in my day planner and I have a certain amount on each column like under groceries or electricity
[speaker001:] um-hum
[speaker002:] and I put so much in each one and then just subtract of just spend what the amount in each column what we're allotted
[speaker001:] uh-huh so you pretty much keep pretty close to your budget
[speaker002:] yeah if not we're up a creek
[speaker001:] yeah boy well we bought a house about a year and a half ago but I I can't say that I'm as uh good as as you are about our budget because I mean I'm in charge of paying the bills but uh you know I put a little bit in the savings first and then after that I'll you know pay on everything as I can and
[speaker002:] uh-huh
[speaker001:] and that's I I don't have a budget other than that I know I need to and I know we probably will in the future but as of yet we're just still trying to you know get on on where we wanna be financially and then
[speaker002:] uh-huh
[speaker001:] maybe we can um you know work more on you know they have all these financial plans and how much money you have saved and where you wanna put it and everything well we're still we're still trying to save a little bit
[speaker002:] yeah that's tough we have an emergency fund that we keep and that was tough to get we try to not touch that we've gone to the house but sometimes you dip into it
[speaker001:] yeah well yeah exactly yeah exactly and see we've got two used cars and you know when you have used cars there's always something you're fixing on them
[speaker002:] oh yeah
[speaker001:] you may not have a car payment but you know you have those regular maintenance things I mean like
[speaker002:] uh-huh do both of you work your husband
[speaker001:] yeah yeah but I'm gonna be out of a job in September
[speaker002:] oh you are
[speaker001:] yeah
[speaker002:] where do you work at
[speaker001:] oh I work for a liquor uh distiller
[speaker002:] liquor distiller
[speaker001:] yeah and they're moving their offices up offices up to Connecticut
[speaker002:] oh wow
[speaker001:] so I'll be staying down here but I'm not real worried about it so but it's something else that you know we have to be considering in our budget
[speaker002:] um-hum
[speaker001:] and trying to take care of everything you know all the um outstanding debt that we have and kind of getting ready for it
[speaker002:] yeah yeah that's a thing we try to stay out of is debt um
[speaker001:] it it's the worst thing because when I got out of college you know that was our mistake when we got married you know we didn't have much so we kind of charged it up and now we're you know paying for it
[speaker002:] it it's hard though when you first get married you want things to live on because I just got married what two and a half years ago
[speaker001:] um-hum
[speaker002:] and we tried not to do that my wife worked at the time so we bought most no
[speaker001:] but she's not working now do y'all have a family
[speaker002:] um no it's just me and her right now
[speaker001:] oh well we don't have a family either besides a couple dogs and a cat
[speaker002:] we have one dog but it's good well she's looking for part-time work just to try off to pay off her car
[speaker001:] yeah well I wanna try to um go back to school get a degree that that you know I something I'll enjoy doing a little bit more
[speaker002:] oh uh-huh
[speaker001:] so you know um I'll
[speaker002:] what's your husband do
[speaker001:] I'm sorry my husband he works in banking he's in finances and economics he's kind of like a loan servicer accountant right now but he's trying to trying to switch over into international trade because you know with the free trade agreements going on here there's really gonna be a lot of opportunity
[speaker002:] uh-huh that's true
[speaker001:] so we hope anyways and what do you do
[speaker002:] um I work for Morton International and make um I'm a process engineer that we make automotive safety bags
[speaker001:] oh automotive safety bags is that like air bags
[speaker002:] the air bags yeah same thing
[speaker001:] another term well I guess I covered all the budgeting that I wanted to
[speaker002:] I don't do you have to go up until do you have to go until the voice comes on but I'm not sure do that
[speaker001:] no you don't you you can stop at anytime you're you're finished I mean I've never I've been doing this for a while now and I've they've never not paid me so
[speaker002:] oh okay oh good all right well thanks for talking Wendy
[speaker001:] yeah it was nice talking to you
[speaker002:] you too bye
[speaker001:] bye-bye