(Longish post) Hoping someone can help me sort this out: March is my 3rd month of using the workbook. I tried January and February but they were such a mess because I was trying to do it all cashless, I scratched them as budgeting months. We decided to do cash envelopes for the categories we spend the most in and are the likely ones for our overspending. Neither my husband or I are comfortable with keeping our sinking funds in cash in our house. Since we don’t get any paycheck money until the 5th, I figured the easiest way to begin the month was to do a short March 1-5 budget using our checking account balance. To make it accurate, I made sure every transaction we did in February was deducted from our checking account balance. We had about $250 from sinking funds in there too, so I subtracted that out as well. The remaining amount was what I used to budget for the bills due March 1-5 and our envelopes. I budgeted to $0. Since this is the first time we are pulling out a decent amount of cash, I wanted to be sure I had enough left for bills. So I took the same account balance I budgeted from, subtracted out the cash and new sinking fund amounts. Then I added up the bills that will get paid and it was more than what was left in the account. I cannot figure out the discrepancy at all. I recalculated the budget page, the account balance, the cash and new sinking funds, the bill total, and those numbers come up the same over and over. Anyone have any suggestions?