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Use One Holding Total For Clarity
- Use a holding category to see all available money in the current month without flipping months.
- Track a single "funds for next month" total to know exactly how much is reserved for the upcoming month.
Targets Only Recalculate On The First
- Future-month targets recalc only at the turn of the month, so assigning money earlier can show misleading top-up needs.
- That design favors avoiding underfunding but creates temporary overfunding visibility issues.
Build The Next Month In One Session
- If you prefer doing one big budgeting session, park funds in a holding category and build next month's budget at month start.
- That method makes deliberate category decisions easier and reduces paycheck-by-paycheck busywork.