[speaker001:] uh well we have a budget we go by every pay check since I have been in the service we get paid twice a month so that's what I go by
[speaker002:] well we
[speaker001:] uh
[speaker002:] we try it's it's not as easy as I had thought it would be but last year I started keeping a total of our expenses and and where they were all going and I have uh a budget book that I use
[speaker001:] um-hum
[speaker002:] if you had a people that have personal computers it would be much easier but um and then at the end of the year I I totaled up what we were spending say for groceries or or entertainment or things like that and then this year I tried to keep it within you know a bounds there and then if there's if we are over budget in one item if we want to apply that to another one I try to do that but it's not always
[speaker001:] uh-huh
[speaker002:] easy when you have extra expenses say the car repairs came up this month things like that that you're not expecting I don't really know how some people stay within a budget
[speaker001:] oh yeah I can I can understand that
[speaker002:] do you have kids
[speaker001:] got one kid
[speaker002:] one we don't have any because I thought if well if we had a child I don't know what we'd do but my husband gets paid once a week and I get paid every two weeks
[speaker001:] yeah
[speaker002:] and uh then every three months I have a bonus check and but then that's when we we try to put some a side at that time as far as savings uh I take out of each pay check I put so much into a four O one K pan in a profit sharing
[speaker001:] yeah
[speaker002:] and then he does the same thing he puts one into uh a stock plan at his company and also into a retirement plan
[speaker001:] yeah
[speaker002:] because to me that's the only way we're ever going save to be able to save
[speaker001:] oh yeah I
[speaker002:] because if the money comes in it's spent if it's not taken out before I get it
[speaker001:] yeah I understand that right right now that's just the problem I have and we don't ain't been able to save any because I am putting my wife through school right now
[speaker002:] oh yeah
[speaker001:] through nursing school so it's kind of got to
[speaker002:] that's very hard
[speaker001:] maxed out right now but
[speaker002:] um-hum
[speaker001:] we try to put a little away every every month you know and plus we've got child care which we got to put in there and everything and we try to put a little away for his you know school education and stuff for later on
[speaker002:] yeah they say how old is he
[speaker001:] he's five
[speaker002:] he's five they say by the time kids his age are ready to go to college it's gonna be about seventy thousand dollars a year for college
[speaker001:] yeah yep
[speaker002:] and it's just unbelievable
[speaker001:] well that's
[speaker002:] you know I I'm just twenty nine and when I went it was probably five hundred dollars a semester for the tuition books and everything
[speaker001:] yeah if you yeah it's kind of expensive for her you know going to nursing school nursing school is one of the more expensive ones
[speaker002:] um-hum where is she going
[speaker001:] uh U T A
[speaker002:] yeah
[speaker001:] uh
[speaker002:] I'm sure it is
[speaker001:] and you know the the uh budget part kind of falls in there you know you get unexpected expenses and stuff for that because she has to drive about twenty thirty minutes every day to school and that that adds more to the gas budget
[speaker002:] oh yeah is she started having do the uh working at the hospitals
[speaker001:] do what ma'am
[speaker002:] has she started doing any of work at the hospitals
[speaker001:] uh no she goes they have a class there every Tuesday and that's what they do and then she'll start during her senior year uh going to the hospital three times a week so
[speaker002:] yeah because I I've got a friend that just graduated and took her test to to be an R N and I I think towards the last year they were working at the hospitals and then they all had to buy all the uniforms and and all the things which was an added expense
[speaker001:] yeah
[speaker002:] but it is hard I don't know in in compared to say my mother and father living in a budget was no problem
[speaker001:] um-hum
[speaker002:] it was just this is what we have and this is what we spend but that's in this time and you know I don't know what it is it's well it's you know my husband let's go play some golf you know something like that or let let's run to the mall with me and and before you know parent's didn't do that if they didn't have the money they didn't get it and we're not that way
[speaker001:] yeah yeah I understand that's the same problem we fall into you know
[speaker002:] um-hum
[speaker001:] you know when we do have a little extra we try to go out and do a little something you know
[speaker002:] um-hum
[speaker001:] be with the kids a little bit during that time and
[speaker002:] and it's hard
[speaker001:] kind of a family deal
[speaker002:] and as far as like the you know with interest rates now as low as they are credit card rates are still sixteen seventeen eighteen nineteen percent