okay
okay i thought it was supposed to give a recording but anyway
um
well i i do take care of pretty much all of the stuff for for my wife and for me and um
um-hum
i embarrassed to say it's pretty trivial all we all i do is uh keep a list of things like debts that are
outstanding and and every two or three months
update that and every once in a while
make a list of what we spent that month but i doubt i do it more than three times a year
um-hum do you use a computer
and
no i work with them all day yeah i'm in computer science yet i i do everything on paper uh i don't even use a calculator for the stuff i'm doing because it's all pretty round numbers
oh
uh-huh
yeah mine is really simple because i got all our bills paid off
when um he was a Marine he went to Saudi Arabia and while he was gone
i got all of our bills paid off so really the only bills i have is rent utilities insurance
um-hum
you know so they come in i pay them and that's it you know that's about the extent of it you know
yeah i
i don't really have this major budget or anything i just really i'm real thrifty i take care of you know two children and me and um just real careful with the money you know
um-hum
what little we have so that's what i do
yeah it's a pretty
straightforward
it's almost i can't imagine having to go into real complicated stuff and making
no
you know fancy budgets it seems like if you're getting to that level you're you're not in real good control
huh-uh
you know i mean i i i've never liked credit cards and a lot of debt you know you buy something on credit and you pay twice as much for it when you get done
uh-huh
yeah
you know so
actually i'm i mean i like using credit cards for everything but just paying off the bills
uh-huh
because that way it's a record of everything and i don't have to worry about keeping records of anything else because they come in at the end of the month
i don't have too many weaknesses
i don't have too many weaknesses but i found out a credit card was one of them
uh
you know it's so much easy easier you know if something's on sale if you're a woman and you're a sale person it's like oh well that's on sale let's go grab it you know so um
hum
and if you don't have the money then use the credit card so i got rid of them credit cards
yeah i guess if that's
you know
if that's a weakness that's a good thing to do
yeah that was my weakness it wasn't bad i mean i didn't have like thousands of dollars you know and like that just i just learned that that wasn't for me you know
um-hum
sure
so
but i self employed
you know i have my own little cleaning business type thing so um i keep
do you find trouble keeping the records for taxes and all that or
no it's not hard i just keep it in a notebook and write down what i've made and um you know what it's gonna have to go for that month and
uh-huh
you know it's not that not that hard
not at all
well that's good to know
so
i always do my own income tax
you know do you
yeah
i don't understand the idea of paying somebody to to do it
huh
it seems like it's absurd the number of people who had to having to pay somebody to do it
read all you got to do is read a book
mean read the little book they send you fill in the blanks and go i mean it seems absurd that people will pay you know some bucks just to get someone to
i
yeah just the form yeah
yeah and a lot of them
it's dumb you know i guess if you had some really complicated
stuff but i don't so i don't mess with it
yeah
but i don't use a calculator either you know i don't i don't have that much that many you know things to add up so
i
i don't trust myself with using a calculator or computer to too much stuff like that because i wanna make sure that that i
i keep
on top of the numbers and understand what's going on i know too many people who use a calculator if they make a mistake they find out two months later because they weren't paying attention
oh yeah
and
and we have a i i bank at NCNB here and they have a number that you can call in and i always call in like
once every other week or so and i will um check off what checks have cleared and
do you do that
yeah we have the same thing
you do too and i always check them off and you know check my balance and my book and you know because i always want to know exactly what i have
yeah
you know i do that real often
sure
i do that so
anyway
