okay i was trying to get my children quiet for a minute  well credit cards boy that's an easy topic isn't it
 	
 	
 		okay
 		okay
 		is it yes it is  it's one we all hold dear and near i'm sure
 	
 	
 		oh yes yes i guess i've had some good experience and some bad experience with them
 	
 	
 		yeah most of mine's been pretty good although i'm i guess i'm like a lot of other people now i'm trying to to pay off my credit cards and
 		i've done pretty good at it
 	
 	
 		uh-huh
 		well i do fairly good until i go in the store and i see something i want
 	
 	
 		
 
 	
 	
 		you now not need want
 	
 	
 		yeah
 		uh-huh there is a big difference
 	
 	
 		there's a big difference there
 	
 	
 		yeah yeah
 	
 	
 		but most of mine that i use is strictly gasoline
 	
 	
 		yeah oh yeah i i do that i do that but the rest like i said the rest of them i've been trying to to pay off and uh get back on a cash basis except for gas it's too easy to to run into the gas station
 	
 	
 		uh-huh
 		oh it sure is especially when you work out of town and everything that way at least that's for me
 	
 	
 		yeah what you
 		uh-huh
 		yeah yeah
 	
 	
 		yeah
 	
 	
 		so
 	
 	
 		but yeah i've i've talked to some who's really had some bad experience and kind of knock on wood i haven't yet not bad you know i just i'm just shocked at the end of the month
 	
 	
 		yeah well
 		
 
 	
 	
 		to see what damage i have did but
 	
 	
 		yeah yeah
 	
 	
 		
 
 		i try to keep it pretty reasonable
 	
 	
 		well i've been pretty lucky in that respect i don't charge like i say i've i been trying to
 		to not charge except for emergencies
 	
 	
 		uh-huh
 	
 	
 		so but i haven't really had any bad problems with credit cards there's you know they have uh wonderful features they're there when you need them you know like in emergencies or whatever
 	
 	
 		yeah
 		huh
 		and then they have bad drawbacks too i mean high interest it's like paying twice
 	
 	
 		yeah they talk talks with
 		that's true that's true
 	
 	
 		yes
 		so but
 	
 	
 		i try to i did switch to one uh
 		sponsored by the credit union though that seems to be a pretty low interest
 	
 	
 		oh uh-huh
 	
 	
 		yeah compared to some of the other ones and you don't have an annual fee there and that helps
 	
 	
 		yeah
 		yeah
 		oh yes uh we used to have you know like several but right now we're just more or less at American Express you know and that way we can go ahead and pay it off when it comes in
 	
 	
 		yeah
 		uh-huh
 		yeah that's one way to do it because that that forces you to pay for it instead of saying well i'll just pay on it this month and
 	
 	
 		yeah
 		pay fifteen yeah yes i know yeah and when you pay fifteen dollars a month it sure takes a long time
 	
 	
 		yeah
 		takes a long time that's right and now without the benefits of being able to deduct interest off off your income tax that's you know
 	
 	
 		it sure does
 		uh-huh
 	
 	
 		of course it's been going down for a number of years but this is the last year you can take anything so
 	
 	
 		but yeah
 		uh-huh
 	
 	
 		so
 	
 	
 		yeah well i've enjoyed talking to you
 	
 	
 		well i've enjoyed talking to you
 	
 	
 		and maybe we'll get to talk again okay bye-bye
 	
 	
 		okay
 		bye-bye