[speaker001:] [Beep].
[speaker002:] Okay.
[speaker001:] Okay, I thought it was supposed to give a recording, but anyway, uh, well, I do take care of pretty [LAUGHTER] much all of the stuff for, for my wife and for me and
[speaker002:] Uh-huh.
[speaker001:] uh, 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 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:] Uh-huh, do
[speaker001:] And,
[speaker002:] you use a computer?
[speaker001:] No, I work with them all day, I'm in computer science, yet I
[speaker002:] Oh.
[speaker001:] I do everything on paper [LAUGHTER].
[speaker002:] Uh-huh.
[speaker001:] Uh, I don't even use a calculator for the stuff I'm doing because it's all pretty round numbers.
[speaker002:] Yeah, mine is really simple, because I got all our bills paid off when, uh, 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:] Uh-huh.
[speaker002:] you know, so they come in, I pay them, and that's it [LAUGHTER], you know, that's about
[speaker001:] Yeah that,
[speaker002:] the extent of it, you know. 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
[speaker001:] Uh-huh.
[speaker002:] uh, just real careful with the money, you know. What little we have [LAUGHTER], so, that's what I do.
[speaker001:] Yes, it's pretty straightforward. It's almo-, 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, y-, you're not in real good control.
[speaker002:] Uh-uh. You know, I mean, I, I, I've never liked credit cards
[speaker001:] Uh-huh [very faint].
[speaker002:] and a lot of debt, you know, you
[speaker001:] Uh-huh.
[speaker002:] buy something on credit and you pay twice as much for it when you get done.
[speaker001:] Yeah.
[speaker002:] You know so,
[speaker001:] Actually, 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 [LAUGHTER] records of anything else
[speaker002:] I don't have
[speaker001:] because they come in at
[speaker002:] too many,
[speaker001:] the end of the month.
[speaker002:] 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,
[speaker001:] [LAUGHTER] [faint and short].
[speaker002:] it's like, oh, it's on sale, let's go grab it, you know [LAUGHTER], so, uh, and if you don't have the money, then use a 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 [breathing]. It wasn't bad, I mean, I didn't have like thousands of dollars, you know, and like that, just, I just
[speaker001:] Uh-huh.
[speaker002:] learned that that wasn't for me, you know.
[speaker001:] Sure.
[speaker002:] So, but I, self-employed, you know, I have my own little cleaning business type thing, so, uh, 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, uh, you know, what it's going to 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.
[speaker001:] Yeah.
[speaker002:] Do you?
[speaker001:] 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 end up having to pay somebody to do it.
[speaker002:] R-, all you got to do is read a book, I mean
[speaker001:] I,
[speaker002:] read the little book they send you
[speaker001:] Yeah, just the form.
[speaker002:] fill in the blanks
[speaker001:] Yeah.
[speaker002:] and go. I mean, it seems absurd that people will pay, you know, some bucks just to get
[speaker001:] Yeah, and a lot of them.
[speaker002:] someone to, it's dumb [LAUGHTER]. 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 [LAUGHTER].
[speaker001:] I,
[speaker002:] I don't, I don't have that mu-, that many, you know, things to add up so,
[speaker001:] I don't trust myself with using a calculator or computer, y-, too much stuff like that because I want to 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,
[speaker001:] And it seem,
[speaker002:] I bank at N C N B here and they have a number that you can call in, and I always call in and, like, once every other week or so and I will, uh, check off what checks have cleared and,
[speaker001:] Yeah.
[speaker002:] Do you do that?
[speaker001:] We have the same thing.
[speaker002:] You do too?
[speaker001:] Yeah.
[speaker002:] 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, you know.
[speaker001:] Sure.
[speaker002:] I do that real often. I do that, so [lipsmack] anyway,
[speaker001:] [Beep] [faint].