[Pamar]

Yes, well - I understand the general theory, but I don't understand how it applies to managing your bank account.

I do manage my bank account, but I don't see any need for an "classifier": when I input (or check) a supermarket bill I don't need much help in setting it to "GROCERIES". Basically anything that gets into my accounting files it's either something I know already what is about, or else something I need to investigate (e.g.: a speed ticket from a foreign country, routed to my credit card by the car rental company).