My checking account gets down to very low levels at the end of the month (I get paid on the 1st & 15th, but the 15th is all rent). I find that I’m constantly putting things off, so anytime it seems like there’s money left, I’m trying to catch up on the things that I’ve needed to do for a couple of months. Which then means there’s no money at the end of THAT month and the cycle continues.