Premise: and then basically since then what i've done is is keep track of it through the checkbook so that based on whatever we've got coming in check coming in and how much i'm spending each half of the month and then trying to also spend and because our house payment is once a month that's our our biggest uh expense so i take half of that amount out of my checkbook each with each paycheck even though it's really still there
Hypothesis: The speaker does not make a lot of money each month. 
Label: neutral