[speaker001:] who uh does your family keep a budget at all or
[speaker002:] well I sort of I mean in my mind I do I don't write anything down or anything like that
[speaker001:] yeah ah
[speaker002:] I just know what my bills are and how much I need for that and what's extra I'm a nurse and so I kind of figure I'm taking home a hundred dollars a day
[speaker001:] ah huh oh really
[speaker002:] so when I look at things like to buy or anything I think of it in days
[speaker001:] uh-huh
[speaker002:] if I hear something is three hundred dollars I think hm that's three extra days you know something like that so so everything in my mind is by days and that's that's about the extent of my budget yeah
[speaker001:] you three extra days you'd a yeah about it huh yeah we've uh we've been trying to save for a house we've been really trying to penny pinch and
[speaker002:] oh that's a good one
[speaker001:] I tell you it gets tough when you know we have I've tried to write something out on a computer and stuff but it seems like every week there's something that comes up and makes it about impossible to
[speaker002:] well that's what happens that's exactly what happens it
[speaker001:] car breaks down or somebody gets sick or
[speaker002:] um-hum um-hum so just when you think you might get a little ahead that's right that's what happens
[speaker001:] exactly
[speaker002:] so that's kind of hard but
[speaker001:] but are you uh are you able to plan or save anything for the healthy future or no I know it it's a day to day thing
[speaker002:] no no not at all not at all I I barely get by
[speaker001:] yeah I know all that's we I have my wife and a daughter and it's about impossible
[speaker002:] yeah it's hard it's real hard and uh it doesn't get much better either that's how it goes but I know but you know I just think that
[speaker001:] well that's good to hear
[speaker002:] you're marked and you're supposed to have x amount of dollars and that's the way it's gonna be you know I mean that's just that's how it feels really because it's it's just some people are just
[speaker001:] and there's nothing you can do about it huh yeah
[speaker002:] have more money and some don't and that's it so uh-huh and and I'm lucky I have a very low mortgage payment because I I had my house for a long time and
[speaker001:] yeah it makes you wonder how they get it all I mean oh do you huh
[speaker002:] I don't have a car payment and you know I I don't have a lot of things so I'm pretty lucky but I have to make come up with the money totally by myself so that's hard too you know
[speaker001:] just it yeah well that's what's amazed us is we've been trying to get into a house and I just I just with what we make a payment I mean it's about double what we pay for rent I just can't see how people do it these days
[speaker002:] yeah how is housing there
[speaker001:] so well it's actually Utah's been lucky we haven't been hit by the recession so housing prices have stayed up the only thing that's helping us is that the mortgage rates are going down but uh it's still moving pretty brisk and
[speaker002:] yeah
[speaker001:] I say we've been kind of lucky we haven't been hit with the same kind of stuff that the rest of the nation has
[speaker002:] yeah yeah
[speaker001:] we've been able to stay out of you know that we haven't lost many jobs or anything like that up around
[speaker002:] yeah well I'm lucky I'll never lose
[speaker001:] yeah that nursing
[speaker002:] but you know it doesn't matter if I lose a job one place I'll just go somewhere else so
[speaker001:] yeah I've often said if I had it to do all over again I think I'd go into something like that I seems like there's always you look in the paper and there's a huge demand for nursing and stuff so
[speaker002:] yeah oh oh yeah really and and they get a little picky in one place and I know where I am now there's a whole big new administration and they're they're scaring everybody to death but I don't work on staff I just work on call
[speaker001:] um-hum oh do you you just work on call huh
[speaker002:] and um-hum and so I have a couple of agencies that I work for and I make much more money that way and I can be independent I don't have to go to all the meetings and get into the politics and
[speaker001:] huh yeah
[speaker002:] I don't get the benefits but I think it's more than worth it then I just pay for that so yeah it's a great thing but it's risky and most people don't wanna
[speaker001:] oh yeah definitely definitely sounds yeah but it sounds like you've been doing all right with it so
[speaker002:] do that yeah I've I feel like it you know and it's much more interesting that way too you don't get burned out so much so
[speaker001:] um-hum yeah so do you have a family or
[speaker002:] yeah I have a twelve year old and so yeah I have to you know take care of her so yeah so we know we've got to cover certain things it's not just me so um-hum
[speaker001:] oh do you enough to keep you kind of busy yeah yeah that's true yeah I uh that's what uh you know we're trying to we well I mean we've got a long ways off before school starts my daughter's just eighteen months but
[speaker002:] oh
[speaker001:] you know you think about it I had to struggle my whole time through college you know pay for my own and get an occasional grant here and there but I just don't know how you know they can ever do it in ten years fifteen years from now when I have to go and
[speaker002:] well I know what you mean it does look impossible you look around you and I don't know how young people buy houses today or anything I really don't know and
[speaker001:] yeah and a small little you know two bedroom home with you know five hundred square feet is about sixty thousand it seems like and those are pretty hefty payments to
[speaker002:] oh that's terrible yeah
[speaker001:] well that's in Utah like I say I think we're we're probably below the market for the most part we're pretty lucky that way but
[speaker002:] oh yeah well it's not too bad in this area really the thing is there's a lot of money and like I'm in Plano so it's a little bit north of Dallas but
[speaker001:] hasn't it uh-huh
[speaker002:] but there's so much money in this town and there are things that are three hundred and five hundred thousand and lots and lots of them
[speaker001:] ooh
[speaker002:] but you can buy a nice three bedroom home for like eighty thousand
[speaker001:] oh that's not bad
[speaker002:] so it really isn't it's low compared to the rest of the country you know and there's all kinds of
[speaker001:] um-hum