[speaker001:] now
[speaker002:] okay
[speaker001:] well let's see I see I'm gonna I'm gonna be guilty of not being able to say a whole lot about this I'm not real I don't have a budget uh what I basically am a do is I I have a a job which which I which makes more money than I need to to work with
[speaker002:] uh-huh
[speaker001:] and so the money I have left over is pretty much put into investments
[speaker002:] okay
[speaker001:] so I'm real guilty of uh of not really doing a whole lot of planning as to how I'm going to set things aside it just it either goes into investment or it goes into things that I want or it goes or it goes uh goes into the bills you know one or the other I just keep a balance on the checking book and that's it
[speaker002:] uh-huh right okay well that's good position to be in I guess if you don't have to worry about budgeting that what's left over goes to investments so you don't you don't then actually plan that this month I'm gonna invest five hundred or five thousand or whatever it might be
[speaker001:] well the one thing I've always done is I've put uh uh on my on my uh from when I started even since since the very beginning I always said that I would put five hundred dollars aside every month
[speaker002:] uh-huh so you always put aside at least five hundred dollars okay well I guess that's sort of a budget then at least partial
[speaker001:] right and right oh it it is a budget I mean I certainly consider it to be a budget but I was just under the idea that uh
[speaker002:] yeah
[speaker001:] I knew I could I would be able to do that and that uh you you have to be uh responsible for your own
[speaker002:] um-hum
[speaker001:] uh retirement and welfare and so I said okay this you know I I can do this so I will do that you know so it early you know when I first started in that you know quite a few years ago I said I I know that I will always be able to afford this
[speaker002:] right um-hum
[speaker001:] and I said that well you know if I if I start making a significant more amount of money I I would put more into it
[speaker002:] um-hum sure sure
[speaker001:] and make a new budget but I've uh it's cost of living has gone up in in with respect to my salary or better so I've actually probably making less money than I was when I started
[speaker002:] right um-hum okay
[speaker001:] so although I have not changed I have not changed that number even though you know cost of living has made it equivalently less
[speaker002:] right right sure well I think that's true of all of us the um well my wife and I both work and we do plan
[speaker001:] yeah right um-hum
[speaker002:] uh we try to plan major purchases and we have agreed that we don't spend over a hundred dollars on anything without talking with the other one so I wouldn't just go out and buy a
[speaker001:] well that
[speaker002:] you know a I don't know a new computer uh without
[speaker001:] well certainly certainly your in a family situation you you'd expect a little bit more uh uh you more structured and
[speaker002:] well that's true that's true uh certainly when you're single you don't have to worry about consulting with someone else and uh that type of thing
[speaker001:] yeah right I just kind of consult with uh uh me myself and I you know
[speaker002:] uh-huh sure sure you have a committee meeting of all yourself me myself and I okay
[speaker001:] right that's right uh
[speaker002:] yeah I see
[speaker001:] so that makes that makes it a lot that makes it of course a lot easier um and I've always been fairly conscientious I've never really
[speaker002:] uh-huh
[speaker001:] I I don't buy anything really on a whim I do buy things
[speaker002:] okay
[speaker001:] that that I want even though I may not they may not be something that I really need but I always find the best price for it and I look around for a long time and and let it let myself get past that that initial state
[speaker002:] um-hum sure so you're careful rather than just extravagant and just grab anything that happens to meet your fancy
[speaker001:] right right you know I I I don't just sit there oh I like that I got to get it no I I say now give myself a little time to sit there and say do I really want it and if I really want it then I try to look for a good price for it
[speaker002:] right right sure sure
[speaker001:] and then I buy it
[speaker002:] okay well we do that same kind of planning in that if we're going to get something you know whatever it may be and we're comfortable and have most the things we need or want the
[speaker001:] but I do
[speaker002:] we'd you know certainly shop around before buying the new computer or the new VCR or something even once we had planned that that's what we were going to get we wouldn't just go read the ad in the paper and run right down and buy it or something even if we'd planned to get the thing
[speaker001:] um-hum right my I've always you know that's what what an accusation that an awful lot of people make towards our