premise: How to rein in excessive spending<br>Find out what you actually spend. You might be aware of an excessive spend, but how excessive is it? Write down all your monthly income versus monthly expenses and see where the problem or problems lie. Start with your income and write how much you earn per week or per month after payroll or income taxes.
hypothesis: Some people don't know how much they spend.
reason: The text implies that people don't know how much they actually spend.