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        <Name>Bill and Jill on Budgets</Name>
        <Summary>Bill decides to create a household budget.</Summary>
        <Description>&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt"&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;&lt;strong&gt;Jill:&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt" /&gt;&lt;p&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;&amp;nbsp;&lt;/font&gt;&lt;p&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;Bill gets ridiculously obsessed with things sometimes, especially money.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;He will call me at least half a dozen times in a day, asking questions about my spending habits, and goes berserk when he doesn&amp;rsquo;t get the response he wants.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;Once he begins his rant about sticking to and starting a budget, I tune him out! He doesn&amp;rsquo;t have a clue how much things cost, and does not realize the cost of living increases every year! Things do not cost what they did 10 years ago! Not to mention when it comes to his toys, his cars, and electronics, money becomes no object, but apparently necessities like groceries need to be budgeted. He doesn&amp;rsquo;t seem to realize that groceries/household items includes cleaning products, the kid&amp;rsquo;s clothes, which they go through so fast and incidentals that can ad up quickly. I do spend some money on other items like make up, but he doesn&amp;rsquo;t seem to notice cost when he bought that new suit! &lt;span style="mso-spacerun: yes"&gt;&amp;nbsp;&lt;/span&gt;I usually only spend money on things we need!&lt;/font&gt;&lt;/p&gt;&lt;p /&gt;&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt"&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;&lt;strong&gt;Bill:&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p /&gt;&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt"&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;Jill and I are spenders, plain and simple. Every once in a while I attempt to create a budget so that we can dig ourselves out of the financial hole we keep finding ourselves in.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;The difference between Jill and I, is that I am very aware of the impact of my spending and know what effect it will have on our personal finances.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;It doesn&amp;rsquo;t matter how many times I ask Jill what the balance on her credit card is, she can never tell me.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;Does she ever read a statement? Frustrated I asked her can you tell me within $100 dollars what the balance is, and she couldn&amp;rsquo;t! She couldn&amp;rsquo;t answer within a $500 range, a $1000 range, a $1500 range, not even a $2000 range!! That is absolutely absurd! When I get an unexpected credit card bill for almost $6000 I can&amp;rsquo;t help but get a little crazy.&lt;/font&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt" /&gt;&lt;p&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;&amp;nbsp;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;Why do groceries suddenly cost $1500 a month?&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;I eat only one meal at home a day and Jill does not eat meat. It&amp;rsquo;s not like we eat extravagant meals.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;Often I have grilled cheese sandwiches and baked beans.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;Jill might prepare a stir fry or casserole 2-3 times a week and we eat out on weekends.&lt;/font&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt" /&gt;&lt;p&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;&amp;nbsp;&lt;/font&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;I have divorced friend who fills my head with conspiracies that only someone who is divorced would create.&lt;span style="mso-spacerun: yes"&gt;&amp;nbsp; &lt;/span&gt;&amp;ldquo;She is slowly socking money away so that she can leave you.&amp;rdquo; &amp;ldquo;She has a gambling problem&amp;rdquo; and several more theories that I will not even put in print.&lt;/font&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="MARGIN: 0in 0in 0pt" /&gt;&lt;p&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;&amp;nbsp;&lt;/font&gt;&lt;font face="arial,helvetica,sans-serif" color="#000000"&gt;But, I sometimes I actually begin to wonder&amp;hellip;&lt;/font&gt;&lt;/p&gt;</Description>
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