(above).Tip: For easier reading, click (above).
A positive chart If your budget chart is flat or rises slightly (like the following example), you're in good shape.
This chart means you'll have enough savings to cover occasional and other expenses. If you seem to be accumulating a large surplus, consider contributing more each month to long-term savings.
A negative chart If your budget chart tends to slope downward (like the following), this could eventually be a problem.
If you begin with debt at the beginning of the year, your chart may show a negative number. (See A in the chart above.)
If the Day-to-day accounts amount dips below $0, but not the Occasional Expense Fund amount, your budget is OK because you can "borrow" from your Occasional Expense Fund account to cover daily expenses. (See B in the chart above.) But if both daily and occasional amounts dip below $0, you need to spend less, earn more, or borrow from long-term savings.