Seems like a decent method to me. Just curious how this system handles expenses that aren't re-occuring. What about car maintenance/medical bills/etc? Seems like this system would have you blowing the budget one month due to an unexpected expense, then carrying that forward to the next month. Then the new month would have a budget higher than it truly should, leaving room for you to spend too much on going out for food/entertainment because your "variable" total has extra room.
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