[speaker001:] Okay. Thanks.
[speaker002:] Huh. Do you all have a budget?
[speaker001:] Well, uh, yeah, we, we do. Um, we've been married for twenty-three years
[speaker002:] Uh-huh.
[speaker001:] and we have, uh, three teenage daughters and, you know, they're very expensive. So, uh, [smack] uh, we, yeah, we have somewhat of, uh, a system. Uh, [smack] it's, it's kind of, uh, you know, it's kind of hard to explain.
[speaker002:] Yeah.
[speaker001:] We've actually gone, uh, just recently, to you know having, having two checking accounts. We always had just one.
[speaker002:] Uh-huh.
[speaker001:] And now we are having two. Uh, it's kind of hard to talk [NOISE] about this because to me it's very personal.
[speaker002:] Yeah. It's, uh,
[speaker001:] So, I have to be. That's that's kind of the way I feel about it.
[speaker002:] Yeah. I usually, uh, my wife handles a lot of the day to day finances and of course, we're ju-, like ther-, like a lot of people. We just scramble through month to month, you know.
[speaker001:] Yes.
[speaker002:] And, uh,
[speaker001:] Do you have a two income family or one income?
[speaker002:] Uh, we have a two income
[speaker001:] Yeah.
[speaker002:] uh family. She also works
[speaker001:] Yeah.
[speaker002:] and, uh, but she, she enjoys it and she's good at it. Uh, if it's, if it's, I am kind of, uh, uh, I'm pretty bad about procrastinating
[speaker001:] Uh-huh.
[speaker002:] and one of these days I am going to do something about that I believe [LAUGHTER].
[speaker001:] Yeah. Yeah.
[speaker002:] You know how that goes, but, uh, uh, if, she, she handles it pretty well. She, uh
[speaker001:] So your wife,
[speaker002:] she writes all the checks, you know, once a month.
[speaker001:] Yes. It that what her, is her career, uh, related to, to finance or accounting?
[speaker002:] Uh, sort of on a peripheral. She's, uh, uh, an annuity administrator
[speaker001:] Oh.
[speaker002:] and so she, uh, she works for an insurance company.
[speaker001:] Uh-huh.
[speaker002:] But, but she enjoys it. She likes keeping track of all that stuff and, uh,
[speaker001:] Yeah, so that's sort of related to her field a little bit.
[speaker002:] Yeah sort of.
[speaker001:] Yeah.
[speaker002:] And we, you know, we've experimented with, with, uh, budgets, you know from time to time, uh, but, if, you know, you have to keep up with them. So a lot of times, we just, uh, just kind of play it by ear. We try to keep our, uh, [NOISE] our retirement and our savings kind of automated
[speaker001:] Yeah.
[speaker002:] so we never see that money. Just like taken directly.
[speaker001:] It's just taking it out, right. Right. Yeah.
[speaker002:] Yeah.
[speaker001:] Yeah. We do the same thing.
[speaker002:] And that, that's kind of handy. Yeah, because if you don't see it, you don't miss it [LAUGHTER].
[speaker001:] Yeah, if
[speaker002:] You don't spend it.
[speaker001:] you have something to take it out. That's exactly what we've always done
[speaker002:] Yeah.
[speaker001:] and we've had, uh, they've always had, uh, where they match your funds, you know, sometimes
[speaker002:] Uh-huh.
[speaker001:] if you, if you save so much, then they will match it. Uh, that, you know, we've done that too. But, my husband works for an insurance company
[speaker002:] Uh-huh.
[speaker001:] and he, he has now for about, oh gosh, how long has it been, ten years I guess. But he was with another company before that, but we have, we have, I, I work also, but I only have a part time job
[speaker002:] Uh-huh.
[speaker001:] and I get paid very little but, uh, you know, I try to use that money for food mo-, Jim gives me a certain amount money. You know, we just transfer it
[speaker002:] Yeah. Uh-huh.
[speaker001:] into my account and then I use that for food, household expenses, and then I add my own check to that and then with that I try and handle, you know, some of the clothes that the girls need
[speaker002:] Yeah.
[speaker001:] and things like that, but the expenses that we need and have around the house.
[speaker002:] Yeah. It
[speaker001:] So.
[speaker002:] sounds like you all pretty much do it the same we do. Just kind of
[speaker001:] Yeah.
[speaker002:] play it by ear, but keep the, the deductions
[speaker001:] Yeah, we
[speaker002:] you know.
[speaker001:] well Jim has, Jim has a budget. I mean he works it out every month
[speaker002:] Uh-huh.
[speaker001:] and breaks it all down. Uh, you know. I am given so much mon-, money a month, so I am suppose to kind of get the food out of that.
[speaker002:] Uh-huh.
[speaker001:] So, I try not to, you know, we don't, you know, I don't ask for more. I mean I just try and make it on that.
[speaker002:] Uh-huh. Yeah [very faint].
[speaker001:] Because I think when you go to the grocery store, you can just, you can go crazy
[speaker002:] Yeah.
[speaker001:] with all the choices that you have
[speaker002:] Uh-huh.
[speaker001:] and, uh, you can, [NOISE] you can really waste a lot of money that way.
[speaker002:] Yeah.
[speaker001:] So, uh, well how long have you been married?
[speaker002:] Uh, about five years. Yeah.
[speaker001:] Oh, yeah. So you're just really getting started [LAUGHTER].
[speaker002:] [LAUGHTER].
[speaker001:] So do you have a family too?
[speaker002:] Uh, I've got one little girl. She's like, uh, nineteen months.
[speaker001:] Oh yeah. Yeah.
[speaker002:] So, uh, she's, she's not, uh,
[speaker001:] She hasn't effected your budget yet really.
[speaker002:] Not, not really. Not too bad. Uh.
[speaker001:] No. Not like she will later on.
[speaker002:] Yeah.
[speaker001:] You will see that
[speaker002:] Yeah when,
[speaker001:] all of a sudden you're paying, you're trying to decide whether you are going to do, you know, soccer and piano and all these choices that they have of activities to do
[speaker002:] Uh-huh.
[speaker001:] and then you really have to start saying okay, now what can we afford
[speaker002:] Yeah.
[speaker001:] you know, what can we do here and then you have to really sit down and plan some more and, uh, but I think when we were back at your age, we didn't have much of a budget
[speaker002:] Yeah.
[speaker001:] [Smack] and then as the girls got older, I think we, we did more and more of that. You know, more budgeting as as they got older.
[speaker002:] Uh-huh.
[speaker001:] Uh, but uh, but what do you do? Do you,
[speaker002:] I'm uh, I, I work for, I'm an electronic technician.
[speaker001:] Oh, okay.
[speaker002:] I work at a, for a university. Uh, Georgia Tech, uh, research
[speaker001:] Oh. Well good.
[speaker002:] and, uh,
[speaker001:] Good.
[speaker002:] So I just, uh,
[speaker001:] Well, we just have, you know, we have a good friend that's about to move to Atlanta. I guess we're not suppose to talk about those things. I'd better get back to the subject.
[speaker002:] Oh, well [LAUGHTER].
[speaker001:] But, uh, budgeting. I found, you know, I feel a lot better. You know, we use to work out of one check book
[speaker002:] Uh-huh.
[speaker001:] and it would be very hard for me because I wouldn't have, I wouldn't have any idea how much money I was spending in one month.
[speaker002:] Yeah.
[speaker001:] Now, I have, know exactly what I'm spending and it's so much easier,