[speaker001:] all righty okay do you have a budget that you go on
[speaker002:] yeah I sure do um I have it's pretty much a ledger sheet and I just write down all my bills how much I'm going to have to pay and I do it per paycheck for me which is every other week uh I mean I include everything from groceries to insurance to car payments to credit card payments you know everything
[speaker001:] um-hum um-hum um-hum
[speaker002:] and it tends to work out pretty well that way I can anticipate you know a little better I usually try to guesstimate and then when the bill actually comes in I go ahead and fill in the actual amount
[speaker001:] um-hum um-hum
[speaker002:] that way I know how much pocket change I'm going to have left at the end of the month or at the end of the paycheck anyway
[speaker001:] um-hum um-hum uh-huh
[speaker002:] so that works okay for me
[speaker001:] uh-huh well my bills I usually know approximately how much they're going to be each month they are more or less just about the same you know
[speaker002:] right uh-huh same here
[speaker001:] uh very seldom are they any different and then uh like for groceries and everything we try to put like two hundred and fifty dollars in a little can in the kitchen
[speaker002:] uh-huh um-hum
[speaker001:] and then that's what we use to buy the groceries with
[speaker002:] oh okay
[speaker001:] and then we put our receipts in there you know and usually that's enough
[speaker002:] um-hum
[speaker001:] and um but I don't have any you know small children to have anything extra come up you know like uh running to the doctor or something like that with them
[speaker002:] right luckily I don't either I mean you know maybe my cat would get sick but I mean usually that's not so much that it would throw me off
[speaker001:] yeah yeah right in fact I did have to take my dog to the vet the other day
[speaker002:] but you so you know what I'm saying yeah
[speaker001:] yeah that it's it's worse than having a kid huh
[speaker002:] I sometimes it can be sometimes it can be I guess the worst thing I've ever had come out is like car maintenance kinds of things
[speaker001:] yeah um-hum
[speaker002:] but I do try to build in a little extra money each month to to be able to do that type of thing so
[speaker001:] yeah um I'm not working right now I worked for P I E and then uh they went bankrupt so I just went ahead and took my early pension
[speaker002:] um-hum oh uh-huh
[speaker001:] but I only get that once a month
[speaker002:] ooh that's tough
[speaker001:] yeah
[speaker002:] my roommate only gets paid once a month
[speaker001:] yeah so
[speaker002:] and that last week's pretty lean generally speaking so
[speaker001:] yeah so you know I really have to try to budget that I don't go over that amount you know each month
[speaker002:] right I for for years got paid once a month and and in ways I liked it because I could go ahead and pay all my bills at once
[speaker001:] um-hum
[speaker002:] there's always one or two stragglers that usually they were for me it worked out that they were the smaller ones
[speaker001:] um-hum um-hum
[speaker002:] but I would pay all of them at one sitting and I would know okay you can go spend this much on groceries now and you get this much a week and that is it
[speaker001:] yeah right
[speaker002:] and and that worked okay for me
[speaker001:] um-hum
[speaker002:] I don't know right now I I'm in the mode of trying to dig out of debt I think as everybody is and so
[speaker001:] and oh yeah right now it's terrible isn't it
[speaker002:] it's yeah it's really bad but um it's going pretty well and I've got a real good plan mapped out here so
[speaker001:] yeah uh-huh I also like belong to a Christmas club because you know I used to belong to a Christmas club last year I didn't
[speaker002:] uh-huh
[speaker001:] then so then naturally Christmas comes along and that's puts you behind too you know so this year now I have them taking out fifty dollars a month out of my checking account for my Christmas club
[speaker002:] oh that's yeah
[speaker001:] so I figure you know that's gonna help some
[speaker002:] that'll cover your gifts come Christmas time that'll yeah
[speaker001:] yeah right you know
[speaker002:] that'd be good because yeah most people are spending three or four months digging you know at least digging out after Christmas so
[speaker001:] yeah right right and I'm taking
[speaker002:] yeah I I was pretty fortunate this Christmas I didn't get in debt so
[speaker001:] oh that's good I'm taking like um sewing lessons to try to learn how to sew better than what I can
[speaker002:] uh-huh
[speaker001:] so I won't have to go out and buy the readymade clothes anymore
[speaker002:] oh uh-huh it's so rare you hear anybody doing that any longer
[speaker001:] I know I even bought myself a Surger you know and I just love it I haven't learned everything to do on it yet but I figure that will help me save
[speaker002:] yeah
[speaker001:] you know
[speaker002:] my um roommate does sew some and and um I she hasn't sewed anything in a long time but I I'm sure that she could pick it up again my mother always sewed she tried to teach me when I was young but
[speaker001:] uh-huh
[speaker002:] not interested
[speaker001:] yeah well see some people are and some people aren't because I have some sisters I have three sisters and none of those are really interested in sewing
[speaker002:] yeah yeah but that's a real good way to save money though by doing that
[speaker001:] yeah and then I can also you know do some crafts and sell those at garage sales
[speaker002:] um-hum um-hum
[speaker001:] so which I've been doing
[speaker002:] well that's a good way to to make a little extra money
[speaker001:] um-hum
[speaker002:] well this is another way that I'm making a little extra money so that was you know nice that I tripped over this opportunity and you're actually my first call
[speaker001:] oh really oh
[speaker002:] yeah I had not um done
[speaker001:] well have you called
[speaker002:] I I guess today's today's my first day that I could even do it
[speaker001:] oh it is
[speaker002:] yeah you beat me to the punch here
[speaker001:] oh well that's nice that's nice you know
[speaker002:] I was I was about to call to get to see if I could get on with somebody so so that was great
[speaker001:] uh-huh yeah well I guess that's about all I can talk to about budgets when I was working I uh bought a bond a month out of my you know they automatically took it out of my out of my uh payroll
[speaker002:] yeah yeah I take have some money taken out and put in a 401K
[speaker001:] uh-huh