[speaker001:] okay okay I thought it was supposed to give a recording but anyway um well I I do take care of pretty much all of the stuff for for my wife and for me and um
[speaker002:] um-hum
[speaker001:] I embarrassed to say it's pretty trivial all we all I do is uh keep a list of things like debts that are outstanding and and every two or three months update that and every once in a while make a list of what we spent that month but I doubt I do it more than three times a year
[speaker002:] um-hum do you use a computer
[speaker001:] and no I work with them all day yeah I'm in computer science yet I I do everything on paper uh I don't even use a calculator for the stuff I'm doing because it's all pretty round numbers
[speaker002:] oh uh-huh yeah mine is really simple because I got all our bills paid off when um he was a Marine he went to Saudi Arabia and while he was gone I got all of our bills paid off so really the only bills I have is rent utilities insurance
[speaker001:] um-hum
[speaker002:] you know so they come in I pay them and that's it you know that's about the extent of it you know
[speaker001:] yeah I
[speaker002:] I don't really have this major budget or anything I just really I'm real thrifty I take care of you know two children and me and um just real careful with the money you know
[speaker001:] um-hum
[speaker002:] what little we have so that's what I do
[speaker001:] yeah it's a pretty straightforward it's almost I can't imagine having to go into real complicated stuff and making
[speaker002:] no
[speaker001:] you know fancy budgets it seems like if you're getting to that level you're you're not in real good control
[speaker002:] huh-uh you know I mean I I I've never liked credit cards and a lot of debt you know you buy something on credit and you pay twice as much for it when you get done
[speaker001:] uh-huh yeah
[speaker002:] you know so
[speaker001:] actually I'm I mean I like using credit cards for everything but just paying off the bills
[speaker002:] uh-huh
[speaker001:] because that way it's a record of everything and I don't have to worry about keeping records of anything else because they come in at the end of the month
[speaker002:] I don't have too many weaknesses I don't have too many weaknesses but I found out a credit card was one of them
[speaker001:] uh
[speaker002:] you know it's so much easy easier you know if something's on sale if you're a woman and you're a sale person it's like oh well that's on sale let's go grab it you know so um
[speaker001:] hum
[speaker002:] and if you don't have the money then use the credit card so I got rid of them credit cards
[speaker001:] yeah I guess if that's
[speaker002:] you know
[speaker001:] if that's a weakness that's a good thing to do
[speaker002:] yeah that was my weakness it wasn't bad I mean I didn't have like thousands of dollars you know and like that just I just learned that that wasn't for me you know
[speaker001:] um-hum sure
[speaker002:] so but I self employed you know I have my own little cleaning business type thing so um I keep
[speaker001:] do you find trouble keeping the records for taxes and all that or
[speaker002:] no it's not hard I just keep it in a notebook and write down what I've made and um you know what it's gonna have to go for that month and
[speaker001:] uh-huh
[speaker002:] you know it's not that not that hard not at all
[speaker001:] well that's good to know
[speaker002:] so I always do my own income tax you know do you
[speaker001:] yeah I don't understand the idea of paying somebody to to do it
[speaker002:] huh
[speaker001:] it seems like it's absurd the number of people who had to having to pay somebody to do it
[speaker002:] read all you got to do is read a book mean read the little book they send you fill in the blanks and go I mean it seems absurd that people will pay you know some bucks just to get someone to
[speaker001:] I yeah just the form yeah yeah and a lot of them
[speaker002:] it's dumb you know I guess if you had some really complicated stuff but I don't so I don't mess with it
[speaker001:] yeah
[speaker002:] but I don't use a calculator either you know I don't I don't have that much that many you know things to add up so
[speaker001:] I  I don't trust myself with using a calculator or computer to too much stuff like that because I wanna make sure that that I I keep on top of the numbers and understand what's going on I know too many people who use a calculator if they make a mistake they find out two months later because they weren't paying attention
[speaker002:] oh yeah
[speaker001:] and
[speaker002:] and we have a I I bank at NCNB here and they have a number that you can call in and I always call in like once every other week or so and I will um check off what checks have cleared and do you do that
[speaker001:] yeah we have the same thing
[speaker002:] you do too and I always check them off and you know check my balance and my book and you know because I always want to know exactly what I have
[speaker001:] yeah
[speaker002:] you know I do that real often
[speaker001:] sure
[speaker002:] I do that so anyway