[speaker001:] okay I guess we can just go ahead and start
[speaker002:] sure enough
[speaker001:] so what I did while they were uh a matter they I made some notes while they were calling around and they called quite a few different number before anybody answered
[speaker002:] ooh
[speaker001:] is uh some notes that I wrote down about our budget and that is uh the biggest problem that we have is that uh my wife and I both work and I get a fixed amount and I'm paid once every two weeks and my pay check always the same
[speaker002:] okay um-hum
[speaker001:] she also get paid once every two weeks but her pay checks don't come at the same time mine do
[speaker002:] okay
[speaker001:] and she doesn't get a fixed amount every everytime she gets paid
[speaker002:] oh geez
[speaker001:] and so trying to put together a budget from pay dates that are different and change all the time and where her amount change uh has been probably been one of the biggest budget problems that that we have
[speaker002:] wow
[speaker001:] and uh so what we've done is kind of taken everything that we have had to pay out over a an extended period of time and then tried to average it
[speaker002:] um-hum
[speaker001:] so that we could approximate how much each bill would be and then budget our pay checks accordingly base on the minimum amount that we would expect to receive
[speaker002:] okay
[speaker001:] and that's that's been fairly effective
[speaker002:] what happens if you get hit with some extraordinary expense
[speaker001:] hum you mean like recently right
[speaker002:] well I mean you know you know before you have a chance to say well geez we have a couple of months where we been low and put some off uh in the bank
[speaker001:] exactly and that's uh that recently happen we had to have break jobs on both of our cars and uh so then we end up doing a couple of things uh dipping into saving is one
[speaker002:] uh-huh ooh yeah
[speaker001:] and uh scrimping on other thing to uh get the extra money and then uh also we've got uh a an investment plan with a mutual fund
[speaker002:] um-hum um-hum
[speaker001:] and that's kind of like a savings account so between all of those varies sources and uh that is obviously not a very good way of doing thing
[speaker002:] sure
[speaker001:] so uh
[speaker002:] well I mean you don't want to do it that way you rather just keep it all in the in the bank but uh my gosh no I you know it's it's funny because when they came on they talked about
[speaker001:] no right
[speaker002:] a home budget and what not I stopped and thought to myself geez we don't have a or turns out that you know
[speaker001:] don't even have one
[speaker002:] uh my wife and I also work
[speaker001:] um-hum
[speaker002:] and uh she work for the federal government and I work almost for the federal government and but it's you know fixed income basically you know from pay check to pay check how much you're going to get
[speaker001:] yeah right um-hum
[speaker002:] and uh I'm the only guy that pays any bills
[speaker001:] um-hum
[speaker002:] I mean she carries the check book but when it comes time everybody who mails a bill like gas company and the telephone and all of that kind of stuff comes to the house and one of them gets plopped in to my mailbox and then once a week or once every two weeks I'll sit down and and write checks
[speaker001:] uh-huh hum
[speaker002:] well just recently we've we've found out that um we've had her money direct deposited to one account and my money direct deposited to another account
[speaker001:] a different account huh um-hum
[speaker002:] correct and we've been trying to live off my money which is not working out
[speaker001:] right so you can the her money and then save it or right
[speaker002:] exactly we've been trying to well basically we wanted to use her money just to pay the mortgage on the house
[speaker001:] um-hum
[speaker002:] you know that was that way we wouldn't have to worry about the mortgage it would be covered and then we would have our living expenses on mine
[speaker001:] uh-hum
[speaker002:] and it just hasn't work out you know and it I I've read these budget book and they say well you know you sit down and you figure out how much it's costing you to live and all that kind of stuff but
[speaker001:] right um-hum
[speaker002:] uh what I've notice is that it's extremely difficult for us to come up with a
[speaker001:] right
[speaker002:] uh it usually it it well cost it cost us you know uh five hundred dollars a month to live it doesn't work that one month it's five hundred the next month it's
[speaker001:] a valuable uh budget yeah um-hum right um-hum
[speaker002:] it's a thousand because you get the car insurance bill and then and then it goes down to two hundred because uh you're off on vacation or something or you know you you went traveling and and you didn't spend as much but then you come back and it goes up again and I mean it's uh that's been my problem
[speaker001:] um-hum hum we've got bill for example like the uh car insurance you mentioned that come and and this is the other problem when it comes to budgeting is that we have bills that don't come on a uh monthly or or once every two week bases like we get paid the the car insurance comes every three months
[speaker002:] right
[speaker001:] so that means that uh uh everytime because we haven't uh disciplined ourselves where we can have a uh certain amount set aside each month for when that bill comes we end up paying that whole bill every every three or four month and then that cuts into everything else on it
[speaker002:] um yeah well I do have to say that uh when you know when we were real serious about budgeting the money and doing all of this my uh sister sent me a book and it was the book uh Wealth Without Risk by Charles Given
[speaker001:] um-hum
[speaker002:] and I do have to admit he had one suggestion in there that really