Can allocated moneys from previous months not count against us when the spending date arrives, please?

When I save $25 a month for 12 months, totaling $300 the month the amount is to be spent, the overall amount of my expenses for that month is $275 more than I feel it should be...When money is allocated to a future purchase and the purchase date comes up, why is the amount saved not taken into consideration when looking at the 'income' for that month? Instead, the amount being spent counts what I have saved as an expense TWICE!

Answer

During the months you are setting the funds aside, categorize them as transfers to the holding account. Transfer them back for the month of the actual expense then allocate the bill payment as the appropriate category.

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