Rollover only positive balances?

Can someone provide an example of where it's useful to roll over only positive balances in a budget category?

Rolling over, or not, makes sense to me. If it's a category you use frequently, like groceries, it makes sense to stay within a monthly budget. If it's one you use irregularly, like clothing or car repairs, it makes sense to accumulate the budgeted amount and to also allow deficit spending, since it's really an average.

What doesn't make sense is to roll over only positive amounts. If you have deficit spending in a particular month, that doesn't reduce the budget amount available in the following months. The result could be not adjusting your spending to compensate for previous overspending. What's the value in that?


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