text: well i 've uh for a lot of years i i 've pretty much flied without one and uh just recently uh we we set up a budget and and we 're trying to stick to it we just bought a new house so we 've got everything you know pretty much we know what our uh our fixed expenses are per month and then we 've got some ones that are variable that that pretty much stay within a certain range and then uh then there 's the ones that you never know anything about and that 's the the food budget but that
  
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  We are trying to keep our expenses down because I only make $ 50,000 a year .