course i don't like talking about budgets no not my favorite subject
oh you don't
this is my first one we just bought a house about three months ago and so we had to go on one and um what i do is um just
divide up my paycheck and put it in each category i put it in my day planner
and i have a certain amount on each column like under groceries or electricity
um-hum
and i put so much in each one and then just subtract of
just spend what the amount in each column what we're allotted
uh-huh so you pretty much keep pretty close to your budget
yeah if not we're up a creek
yeah
boy
well we bought a house about a year and a half ago but i i can't say that i'm as uh
good as as you are about our budget because i mean i'm in charge of paying the bills but uh you know i put a little bit in the savings first and then after that i'll you know pay on everything as i can and
uh-huh
and that's i i don't have a budget other than that i know i need to and i know we probably will in the future but as of yet we're just still trying to you know get on on where we wanna be financially and then
uh-huh
maybe we can um you know work more on
you know they have all these financial plans and how much money you have saved and where you wanna put it and everything well we're still we're still trying to save a little bit
yeah that's tough we have an emergency fund that we keep and that was tough to get we try to not touch that we've gone to the house but sometimes you dip into it
yeah well yeah exactly
yeah
exactly and see we've got two used cars and you know when you have used cars there's always something you're fixing on them
oh yeah
you may not have a car payment but you know you have those regular maintenance things i mean like
uh-huh do both of you work your husband
yeah yeah but i'm gonna be out of a job in September
oh you are
yeah
where do you work at
oh i work for a liquor uh distiller
liquor distiller
yeah and they're moving their offices up offices up to Connecticut
oh wow
so i'll be staying down here but i'm not real worried about it so but it's something else that you know we have to be considering in our budget
um-hum
and trying to take care of everything you know all the um outstanding debt that we have and kind of getting ready for it
yeah
yeah that's a thing we try to stay out of is debt um
it it's the worst thing because when i got out of college you know that was our mistake when we got married you know we didn't have much so we kind of charged it up and now we're you know paying for it
it it's hard though when you first get married you want things to live on because i just got married what two and a half years ago
um-hum
and we tried not to do that my wife worked at the time so we bought most no
but she's not working now
do y'all have a family
um no it's just me and her right now
oh well we don't have a family either besides a couple dogs and a cat
we have one dog but it's good well she's looking for part-time work just to try off to pay off her car
yeah well i wanna try to um
go back to school get a degree that that you know i something i'll enjoy doing a little bit more
oh
uh-huh
so you know um
i'll
what's your husband do
i'm sorry my husband he works in banking he's in finances and economics
he's kind of like a loan servicer accountant right now but he's trying to trying to switch over into international trade because you know with the free trade agreements going on here there's really gonna be a lot of opportunity
uh-huh
that's true
so we hope anyways and what do you do
um i work for Morton International and make um i'm a process engineer that we make automotive safety bags
oh automotive safety bags is that like air bags
the air bags yeah same thing
another term well i guess i covered all the budgeting that i wanted to
i don't do you have to go up until do you have to go until the voice comes on but i'm not sure do that
no you don't you you can stop at anytime you're you're finished i mean i've never i've been doing this for a while now and i've they've never not paid me so
oh okay
oh good all right well thanks for talking Wendy
yeah it was nice talking to you
you too bye
bye-bye
