well Bonny
yeah
how do you do your budget
well
we take the rent first
you know we need to have a roof over our head
uh-huh
and then we take the car
you know we need a car to get back and forth to work
yeah
and then it's the utilities
and then the food
uh
and then uh the regular bills
you know your credit cards and your uh
utilities and stuff like that
yeah
yeah
uh
i i'm trying to think what else phone the phone utilities come last or uh before let's see the utilities come before the food and the bills
the uh credit card you know the credit cards and what else is there that we pay you know we got loans
uh-huh
things like that they come before the uh uh they come after everything else
huh
they're last on it because you know uh they
they're never late but they're the least uh bothersome uh bothersome to us you know uh we need a roof and all that before we need anything else
yeah i kind of think you ought to make make them wait until the last possible minute for it
yeah
we do ours uh fairly similar course uh we both have married before
and uh so what what we do is kind of divide up the bills based on who makes the most money
yeah
and whoever makes the most money course takes the most you know the biggest part of the bills
yeah well i'm a homemaker myself so he he brings home the money and we just divvy it up the way it
uh
should be and
or the way whatever way we can
i wish we could do that unfortunately
between two divorces it kind of it kind of taps you out pretty good
i can imagine i uh you know i haven't gone through a divorce myself i've only been married once but uh
i know a lot of people that have and a lot of them's got alimony and child support and all that
oh yeah it that takes a big hunk out of your budget it costs me about uh three thousand dollars a year for child support
yeah i bet
which is after i mean that's net that's right after i pay the taxes and stuff on it
well that's better than having them living with you
yeah
they're more expensive right there day in and day out
that's what i hear although although i kind of miss some of that stuff
yeah i bet you do
yeah but you know you know bills wise uh we kind of divide everything up and i take i take the bigger portion of it and uh my wife takes some of hers
and we have an agreement that uh if we're going to charge anything over like seventy five or eighty dollars then we uh we talk about it
yeah oh well me and my husband
unless of course it's uh it's like for a present or whatever
yeah
and we have snuck some pretty good size presents in here
i love it when my husband decides to say fudge with the budget and uh sneak a big gift in
yeah i uh i was trying to finagle our budget around because uh my wife wanted
she really wanted a little small five inch TV she could carry around the house or you know back in her sewing room whenever she's watching television
i've got one of them
and she wanted one so bad and we were just kind of short on money
and so all through the year i i was putting you know five or ten dollars back fifteen twenty whatever i could spare i was putting back in a little envelope in there
i was hanging onto it i thought God you know come Christmas time we're going to have that television set come hell or high water
yeah
and sure enough we got it
well uh my mother-in-law gave us one for Christmas a couple years ago i don't think it's five inches i think it's a little bit bigger than that
but it runs on uh car batteries and you know stick it in the lighter and runs on regular batteries and electricity
uh-huh
yeah
so it's a neat little thing to have
how how do you divide uh you just divide up your uh the money just you just make a deposit in the bank and kind of go from there huh
uh well they have we have direct deposit that helps a lot
uh-huh
uh and uh
first thing he does is we get out our clipboard we got everything on a clipboard from now for three months ahead
uh-huh
and uh you know he makes the same amount every week
uh he's not it's not salary he gets paid by the hour but we know exactly to the penny how much he's going to get unless he works over and then it's
uh-huh
uh you know that's extra uh but
he's got us situated to where we pay uh pay two or three of the big ones at the beginning of the month and then all the little ones at the middle of the month
uh-huh
and uh none of them's ever been late you know the ones that come in the middle of the month are early you know we pay them like two weeks ahead of time and uh
uh-huh
it works out real well uh
most problem we had was when uh
let's see when was it
something like we had a three pay uh weekends
uh you know it was a late uh uh the long pay period
uh-huh
and uh we was close to being uh
oh shoot i'm trying to think it's been so long uh it was when he was in the military and uh
it was something like four weeks in between pay periods and it really blew everything away
uh we was close to being late on a lot of stuff
and so that was pretty bad but
i don't know i like that he's got it mapped out in the uh on the clipboard
he's got a stable schedule then
yeah
everything kind of works out well
yeah pretty much uh
with the direct deposit that's what helps you know because he doesn't have the money in hand
yeah if if if you don't have to go down to the bank for something you can kind of put it in there if you have the tendency to go to the bank you kind of well i'll take five or ten dollars here
oh well he's he's we got that ATM machine and that and his bank is right there at his work
oh
and that's hard you know uh i'm sure you're familiar with TI up here
oh yeah
and you know how they got the Texans uh that Texans Credit Union
uh-huh Tex Tower yeah
right there he uh
he's good at uh getting into that but he's good he's you know we never in my i i've been married to him for seven years and we've never had a check bounce
that's good
and uh well no i take that back one time we did uh
it didn't bounce but it came close we called our landlord and asked her to hold off on check cashing the check for three days we was overdrawn six dollars
that's not too bad
that that's cutting it pretty close though
so
yeah
but uh it was i don't know we've never he we've had problems meeting our bills before but uh we've met them
well i think everybody has problems meeting bills now
not too much you can do about it
between the taxes and everything else everything goes up faster than the salary does
yeah that's what's going to hurt us in April uh we owe on our taxes and that will hurt
oh yeah so do we
and yeah that's taking money that we didn't have you know that we had set aside for uh a bill or two and we're trying to finagle now getting ready for it because we got to pay them by April
uh-huh
yeah they want their money real quick
yeah
that's the only bad part we got the same problem
however i guess it uh beats the alternative
just not having anything to start out with
yeah
well i know how it is to start out with nothing uh you know
oh yeah
and uh i'm we're up to where
close to where we want to be but we're not quite there yet
well you get if you just keep trying pretty soon you make it
yeah i just can i just think that i it would help a lot if i got a job
but then
i'd rather be with my kids
well you know kids are important you got stay you have to stay home with the kids
yeah well you know i've got a two year old and a four year old and uh
well soon as they get in to school it won't it won't be so bad
yeah but i know it would help with the bills
well Bonny
it it sounds like a pretty good idea
yeah
tell you what uh i think we about done our about five minutes
okay well it was nice talking to you
okay we'll check you later
all right bye-bye
bye-bye
