Diane Gardner explains what to do with leftover money at month's end. A $50 surplus in your income account stays there until next month's distribution, acting as a small raise split by your preset ratios. If it's extra in a spending category, leave it as a buffer for that account.
If I have $50 at the end of the month, which doesn't happen often, LOL, what should I actually do with it? It depends on what you're saying in this email. If you have $50 left at the end of the month and it doesn't happen often, do you mean you have zero left or do you mean you have more than $50 left? I'm assuming you mean zero. When there's money left over after allocation, so you're following the Money Habit System, as money comes in, you categorize it accordingly and there's a surplus, let it stay in the income account. That way on the next dispersion, it'll get equally split up. It's effectively a small raise in your income. So if you're consistently having $50 left, you're reinserting an income, you can amplify your needs. I think the natural response is, oh, you have $50 left? Why don't you just throw it into a different account like retirement or something like that? Now, it's hard to understand from this question. If you have $50 left in a category, you let it ride. That's a buffer. And so just let it stay in that account for future use. But if you have $50 left on your income account, effectively, that's when we divide it up based upon the ratios.
