all righty okay do you have a budget that you go on 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 um-hum um-hum um-hum 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 um-hum um-hum 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 um-hum um-hum uh-huh so that works okay for me 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 right uh-huh same here 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 uh-huh um-hum and then that's what we use to buy the groceries with oh okay and then we put our receipts in there you know and usually that's enough um-hum 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 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 yeah yeah right in fact i did have to take my dog to the vet the other day but you so you know what i'm saying yeah yeah that it's it's worse than having a kid huh 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 yeah um-hum but i do try to build in a little extra money each month to to be able to do that type of thing so 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 um-hum oh uh-huh but i only get that once a month ooh that's tough yeah my roommate only gets paid once a month yeah so and that last week's pretty lean generally speaking so yeah so you know i really have to try to budget that i don't go over that amount you know each month 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 um-hum there's always one or two stragglers that usually they were for me it worked out that they were the smaller ones um-hum um-hum 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 yeah right and and that worked okay for me um-hum 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 and oh yeah right now it's terrible isn't it 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 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 uh-huh 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 oh that's yeah so i figure you know that's gonna help some that'll cover your gifts come Christmas time that'll yeah yeah right you know that'd be good because yeah most people are spending three or four months digging you know at least digging out after Christmas so yeah right right and i'm taking yeah i i was pretty fortunate this Christmas i didn't get in debt so oh that's good i'm taking like um sewing lessons to try to learn how to sew better than what i can uh-huh so i won't have to go out and buy the readymade clothes anymore oh uh-huh it's so rare you hear anybody doing that any longer 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 yeah you know 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 uh-huh not interested 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 yeah yeah but that's a real good way to save money though by doing that yeah and then i can also you know do some crafts and sell those at garage sales um-hum um-hum so which i've been doing well that's a good way to to make a little extra money um-hum 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 oh really oh yeah i had not um done well have you called i i guess today's today's my first day that i could even do it oh it is yeah you beat me to the punch here oh well that's nice that's nice you know i was i was about to call to get to see if i could get on with somebody so so that was great 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 yeah yeah i take have some money taken out and put in a 401K uh-huh