who uh does your family keep a budget at all or
well i sort of i mean in my mind i do i don't write anything down or anything like that
yeah
ah
i just know what my bills are and
how much i need for that and what's extra i'm a nurse and so i kind of figure i'm taking home a hundred dollars a day
ah
huh
oh really
so when i look at things like to buy or anything i think of it in days
uh-huh
if i hear something is three hundred dollars i think hm that's three extra days you know something like that so so everything in my mind is by days and that's that's about the extent of my budget yeah
you
three extra days you'd a yeah
about it huh yeah we've uh we've been trying to save for a house we've been really trying to penny pinch and
oh that's a good one
i tell you it gets tough when you know we have i've tried to write something out on a computer and stuff but it seems like every week there's something that comes up and makes it about impossible to
well that's what happens that's exactly what happens it
car breaks down or somebody gets sick or
um-hum um-hum so just when you think you might get a little ahead that's right that's what happens
exactly
so that's kind of hard but
but
are you uh are you able to plan or save anything for the healthy future or no i know it it's a day to day thing
no no not at all
not at all i i barely get by
yeah i know all that's we i have my wife and a daughter and
it's about impossible
yeah it's hard it's real hard and uh it doesn't get much better either that's how it goes but i know but you know i just think that
well that's good to hear
you're marked and you're supposed to have x amount of dollars and that's the way it's gonna be you know i mean that's just that's how it feels really because it's it's just some people are just
and there's nothing you can do about it huh
yeah
have more money and some don't and that's it so uh-huh and and i'm lucky i have a very low mortgage payment because i i had my house for a long time and
yeah it makes you wonder how they get it all i mean
oh do you
huh
i don't have a car payment and you know i i don't have a lot of things so i'm pretty lucky but i have to make come up with the money totally by myself so that's hard too you know
just it
yeah well that's what's amazed us is we've been trying to get into a house and i just i just with what we make a payment i mean it's about double what we pay for rent i just can't see how people do it these days
yeah how is housing there
so
well it's actually Utah's been lucky we haven't been hit by the recession so housing prices have stayed up the only thing that's helping us is that the mortgage rates are going down but uh it's still moving pretty brisk and
yeah
i say we've been kind of lucky we haven't been hit with the same kind of stuff that the rest of the nation has
yeah yeah
we've been able to stay out of you know that we haven't lost many jobs or anything like that up around
yeah well i'm lucky i'll never lose
yeah that nursing
but you know it doesn't matter if i lose a job one place i'll just go somewhere else so
yeah i've often said if i had it to do all over again i think i'd go into something like that i seems like there's always you look in the paper and there's a huge demand for nursing and stuff so
yeah
oh oh yeah really and and they get a little picky in one place and
i know where i am now there's a whole big new administration and they're they're scaring everybody to death but i don't work on staff i just work on call
um-hum
oh do you you just work on call huh
and um-hum and so i have a couple of agencies that i work for and i make much more money that way and i can be independent i don't have to go to all the meetings and get into the politics and
huh
yeah
i don't get the benefits but i think it's more than worth it then i just pay for that so yeah it's a great thing but it's risky and most people don't wanna
oh yeah definitely
definitely sounds
yeah but it sounds like you've been doing all right with it so
do that
yeah i've i feel like it you know and it's much more interesting that way too you don't get burned out so much so
um-hum
yeah so do you have a family or
yeah i have a twelve year old and so yeah i have to you know take care of her so yeah so we know we've got to cover certain things it's not just me so um-hum
oh do you
enough to keep you kind of busy yeah
yeah that's true yeah i uh that's what uh
you know we're trying to we well i mean we've got a long ways off before school starts my daughter's just eighteen months but
oh
you know you think about it i had to struggle my whole time through college you know pay for my own and get an occasional grant here and there but
i just don't know how you know they can ever do it in ten years fifteen years from now when i have to go and
well i know what you mean it does look impossible you look around you and i don't know how young people buy houses today or anything i really don't know and
yeah
and a small little you know two bedroom home with you know five hundred square feet is about sixty thousand it seems like and those are pretty hefty payments to
oh that's terrible
yeah
well that's in Utah like i say i think we're we're probably below the market for the most part we're pretty lucky that way but
oh yeah well it's not too bad in this area really the thing is there's a lot of money and like i'm in Plano so it's a little bit north of Dallas but
hasn't it
uh-huh
but there's so much money in this town and there are things that are three hundred and five hundred thousand and lots and lots of them
ooh
but you can buy a nice three bedroom home for like eighty thousand
oh that's not bad
so it really isn't it's low compared to the rest of the country you know and there's all kinds of
um-hum
