text: 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
  
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  The speaker does not try to keep track of their expenses .