As you read this, you are likely aware of what time it is, how old you are, your checking account balance, your weight, and so on.

当你读到这篇文章的时候，你可能会意识到现在的时间，你的年龄，你的支票账户余额，以及你的体重等等。

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This may create a deceptive checking account balance.

这就会造成一个虚假的经常账户收支平衡。

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In our case, we do not allow someone to have a negative checking account balance.

在我们的例子中，不允许有人拥有的支票帐户余额为负数。

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With the "60% Solution, " you don't really need to track your expenses because your checking account balance should ideally be equal to the amount of money that you will spend each month.

NPR: Untangle Your Finances Before Tying the Knot

Checking your account balance before you make a purchase not only protects you from an overdraft situation, but it also gives you time to consider if the purchase is worth making.

FORBES: Smart Phones Helping Consumers Manage Their Money

One way to avoid that risk is to set up your credit card on autopay to withdraw the balance from your checking account each month.

FORBES: How to Avoid New Debit Card Fees (and Earn 4% Interest in Your Checking Account)