[speaker001:] all right
[speaker002:] it's going to be a hard one huh why
[speaker001:] yeah I think so I I don't know well I'm not one in finances first of all and but I do try try to keep a family budget what about you
[speaker002:] uh-huh um you know it's it's it's a it is a hard one because we don't have a budget we barely have enough to cover what we have let alone keep a budget
[speaker001:] well that's the way with us that's why I said I try to keep one with my husband isn't working and uh yeah and and it makes it real tough you're right
[speaker002:] oh is that right that makes it real tough huh so how do you how do you make ends meet and how do you make sure that your bills are paid and
[speaker001:] well I rob Peter to pay Paul I pay the utilities and the most expensive uh biggest bills at the first of the month
[speaker002:] yeah uh-huh
[speaker001:] and then I look buy the groceries and the smaller bills like like middle of the month but I have it exed out to last me for the whole month and he works contract work occasionally so that helps he's an electronics engineer an electronics engineer
[speaker002:] huh what does he do a what uh-huh
[speaker001:] and uh he works mainly on aircraft and he was working with Eastern and Eastern uh went bankrupt
[speaker002:] oh is that right
[speaker001:] so yeah so um
[speaker002:] well that's tough yeah especially these days when uh the economy is so bad yeah I work on commission and um
[speaker001:] he he he he said he yeah
[speaker002:] and that makes it tough too because I you know you can't you can't always budget what you you know you can't have the same budget every month because uh you know uh
[speaker001:] that's true what kind of work do you do
[speaker002:] uh I am in the roofing business commercial roofing business
[speaker001:] oh uh-huh
[speaker002:] and so you know I may do real well this month but uh next month it may you know may not rain at all and we not have any work so
[speaker001:] that makes it really hard too
[speaker002:] it makes it really hard to to set any budget and uh you know so um I guess it's uh it you know each family has their own own way of doing it I I do it about the same way you do you know we pay what what needs to be paid so that we don't you know we don't have the lights turned off or have the electric water turned off or the phone turned off
[speaker001:] do you ever try to hit a long shot like in lottery or races or anything like that
[speaker002:] and no I don't um mostly mostly mostly mostly because we don't uh yeah so how about you
[speaker001:] have it to do it right hm yeah no I'm the same way I saw where um Castleberry won I was in that uh Publisher's Publisher's Warehouse I never send those either but I thought well maybe you do have a chance after all
[speaker002:] uh-huh yeah
[speaker001:] but um
[speaker002:] huh no I uh you know most of the uh most of the financial uh problems that we have you know are are things that we kind of brought on ourselves because we kind of overextended ourselves of couple of you know few years ago with uh
[speaker001:] um-hum
[speaker002:] credit cards and stuff and then the economy went bad and you know I was out of work for a couple you know for little while
[speaker001:] um
[speaker002:] and uh you know been on commissions for for you know few years and it's just um we just never got caught up so do you own your own home
[speaker001:] yes we do
[speaker002:] yeah well we do too and that makes it even tougher because you know we tried to put our house up for sale and
[speaker001:] yes harder
[speaker002:] and uh the economy's so bad we couldn't sell it
[speaker001:] yeah well when we bought the economy the uh real estate was really high and now with the last appraisal we got and everything it really went down so that if if we would've tried to go on a market we'd have lost money
[speaker002:] yeah well we did too yeah well we got we you know all we asked out of our house was the the note
[speaker001:] uh-huh
[speaker002:] and um shoot uh somebody came and and offered us we would've lost twenty thousand dollars on our home you know if we were just to sell it
[speaker001:] um-hum
[speaker002:] and uh so we decided to keep it and kind of just uh
[speaker001:] I'm trying to hang in there
[speaker002:] yeah try to make things uh work
[speaker001:] does your where does your wife work
[speaker002:] she doesn't I mean she does actually she does she actually probably works more than I do but she does sewing and hair and stuff at home
[speaker001:] oh
[speaker002:] and um so the only you know I guess bright uh uh thing that we have to look forward to is that I own part of the company that that uh I work for and and so that's kind of helping us out you know it's making things a little more um  little easier because I can always count on a check on Friday
[speaker001:] yeah do you just go commercial