"We have a terrible time making ends meet on Bob's income." his wife told her best friend.
"How do you two manage? And you even have kids!"
"We get along okay," her friend said. "You see, we work on our budget every evening. That saves us lots of money."
"Really? How can that be?"
"Well, by the time we get it all balanced, it's too damn late to go anywhere and do anything!"