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).
Your set might look something like this:
Category - Document
negative - I don't like ice cream
positive - That's an awesome idea
neutral - The wind is blowing today
positive - We won!
You'll get a categorization of either positive, negative or neutral.