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
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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
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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
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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
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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
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there's always one or two stragglers that usually they were for me it worked out that they were the smaller ones
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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
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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
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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
