[Bug]: Template "repeat every year" doesn't reset at target

### Verified issue does not already exist?

- [X] I have searched and found no existing issue
- [X] I will be providing steps how to reproduce the bug (in most cases this will also mean uploading a demo budget file)

### What happened?

I have a template defined as "#template $30 by 2024-11 repeat every year"

In November, it correctly assigns 2.50 to the category. In December, it assigns 0, because the transaction that reduces the category to 0 hasn't happened yet. This seems to suggest templates aren't very useful for future months.

I would expect that either December would behave as if the balance were 0, and assign $2.50, or that there would something I could add to the template rule to make that happen.

### Where are you hosting Actual?

NAS

### What browsers are you seeing the problem on?

Other

### Operating System

Mac OSX