[speaker001:] Okay.
[speaker002:] Okay.
[speaker001:] I was trying to get my children quiet for a minute.
[speaker002:] Okay.
[speaker001:] [Takes a deep breath] Well, credit cards, boy, that's an easy topic,
[speaker002:] Ye-,
[speaker001:] isn't it [LAUGHTER].
[speaker002:] Yes, it is [LAUGHTER]. It's one we all hold dear and near, I'm sure.
[speaker001:] Oh, yes, yes. I guess I've had some good experience and some bad experience with them.
[speaker002:] Yeah, most of mine's been pretty good, although I'm, I guess I'm like a lot of other people, now, I'm trying to, to pay off my credit cards and, and, uh, I've done pretty good at it. Yeah.
[speaker001:] Uh-huh [NOISE]. Well, I do fairly good until I go in the store and I see something I want [LAUGHTER].
[speaker002:] [LAUGHTER].
[speaker001:] You know
[speaker002:] Yeah.
[speaker001:] not need, want.
[speaker002:] Uh-huh, there is a big difference [Voices].
[speaker001:] There's a big difference there.
[speaker002:] Yeah, yeah.
[speaker001:] But most of mine that I use is strictly gasoline.
[speaker002:] Yeah, oh yeah, I, I do that, I do that, but the rest, like I said, the rest of them I've been trying to, to pay off
[speaker001:] Uh-huh.
[speaker002:] and, uh, get back on a cash basis, except for gas. It's too easy to, to run into the gas station.
[speaker001:] Oh, it sure is
[speaker002:] And,.
[speaker001:] especially when you work out of town and everything, that way [Voices].
[speaker002:] Uh-huh.
[speaker001:] At least that's for me.
[speaker002:] Yeah, yeah.
[speaker001:] Yeah.
[speaker002:] So.
[speaker001:] But yeah, I've, I've talked to some who's really had some bad experience and kind of knock on wood I haven't yet, not bad.
[speaker002:] Yeah, well that's,
[speaker001:] You know, I just, I'm just shocked at the end of the month,
[speaker002:] [LAUGHTER].
[speaker001:] to see what damage I have did, but [LAUGHTER],
[speaker002:] Yeah, yeah.
[speaker001:] I try to keep it pretty reasonable.
[speaker002:] Well, I've been pretty lucky in that respect. I don't charge, like I say, I've, I been trying to, to not charge except for emergencies.
[speaker001:] Uh-huh.
[speaker002:] And, uh, so, but I haven't really had any bad problems with credit cards. There's, you know, they have, uh, wonderful features, they're there when you need them.
[speaker001:] Yeah, yeah.
[speaker002:] You know, like in emergencies, or whatever.
[speaker001:] And then they have bad drawbacks, too.
[speaker002:] Yeah. It's, it's awfully easy.
[speaker001:] I mean high interest, it's like paying twice.
[speaker002:] That's true, that's true,
[speaker001:] Yes, so,.
[speaker002:] I try to, I did switch to one, uh, sponsored by the credit union, though. That seems to be a pretty low interest.
[speaker001:] Oh, uh-huh.
[speaker002:] Yeah, compared to some of the other ones.
[speaker001:] Yeah, yeah.
[speaker002:] And you don't have an annual fee there, and that helps.
[speaker001:] Oh, yes. Uh, we used to have, you know, like several, but right now, we're just more or less at American Express,
[speaker002:] Uh-huh.
[speaker001:] you know, and that way we can go ahead and pay it off when it comes in.
[speaker002:] Yeah, that's one way to do it, because that, that forces you to pay for it
[speaker001:] Yeah.
[speaker002:] instead of saying, well, I'll just
[speaker001:] Pay fifteen, yeah.
[speaker002:] pay on it this month and [LAUGHTER],
[speaker001:] Yes, I know, yeah.
[speaker002:] Yeah.
[speaker001:] And when you pay fifteen dollars a month it sure takes a long time.
[speaker002:] Takes a long time, that's right.
[speaker001:] It sure does.
[speaker002:] And now without the benefits of being able to deduct interest off, off your income tax
[speaker001:] Uh-huh.
[speaker002:] that's, you know. Of course it's been going down for a number of years, but this is the last year you can take anything. So.
[speaker001:] Uh-huh, yeah.
[speaker002:] So.
[speaker001:] Well, I've enjoyed talking to you.
[speaker002:] Well, I've enjoyed talking to you.
[speaker001:] And maybe we'll get to talk again.
[speaker002:] Okay.
[speaker001:] Okay, bye-bye.
[speaker002:] Bye-bye.