Satisfy Negatives

Do one or more of the following:

Click each suggestion below, to learn more

1- View Ways to Save

From the My Budget page, click the Ways to Save button, to view how much you could save, by eliminating some, or all, unnecessary expenses.

When entering each expense, checkmark Necessity, for each necessary, essential expense. UsableCash.com then calculates possible savings (See: Expense Definitions)
Change any expense to a Necessity, on the Ways to Save page, if it was not initially marked as a necessity, but should have been. Then click Refresh to view the recalculated possible savings.
Before eliminating any expense(s), print, or take a snapshot of, this page, in case you choose to add the expense back later, need to cancel contracts, or stop automatic payments.

2- Temporarily Change a Due Date

Push off a bill or two, for a few days, or after a payday, until the negative balances clear. Be sure to change any automatic payments to the new due date, and/or call the creditor to make these new arrangements, if needed. Some creditors may waive late fees, if they are informed ahead of time.

To change the due date once:
In the Budget View on the My Budget page, click the blue edit pencil next to the expense you want to change.
- Update the Starting on Date and click Update Next Bill Only.
- This will place the expense in the One-Time section, until it clears.
- If any other edits need to be made to this expense only, edit it in the One-Time field at the top of the My Budget page.
To change a due date permanently:
- In the View Budget section, on the My Budget page, click the blue edit pencil next to the expense you want to change. Update the Starting on Date and click Update All Bills.

3- Decrease "Reserve Funds"

The purpose of Reserve Funds is to build a pool of savings for Inevitable Expenses, however, if the Reserve Funds have built up enough of an available amount, and negative balances result, because of other factors, do one or both of the following:

Decrease the amount in the: # of Times field until the negative balances clear. The # of Times is an incremental accumulation from the time you created the fund, and is increased by one, after each main income’s payday. The fund will resume saving again, after the next main income, unless you:
Delete the Reserve Funds altogether, by clicking on Reserve Funds on the My Info page or the My Budget page, and clicking the trash can.

4- Short Billing Cycle

On the initial set up of your UsableCash.com account, if an expense is due sooner than a full billing cycle, for example: once a year, but it is due in 6 months, this may cause negative balances to appear on the My Budget page, especially if entering only the Average Minimum as the entered income amount. If this happens, until the first expense pays out, to clear the negative balances, do one or both of the following:

Fund (deposit) your bill account with the amount you’ve already saved up for this expense, if any.
Enter an income amount which is greater than the Average Minimum per pay day, until the negative balances resolve.
After the first expense pays out, reduce the entered income amount to the Average Minimum income, if you like. Then verify, if the Usable Cash maintains a positive balance.
For a more detailed example:
See: Enter Bills, Required Fields, IMPORTANT: Bill Cycles & Very First Due Dates on the About page, for a more detailed example.

5- Increase Entered Income Amount

The Average Minimum amount is the lowest ‘guideline’ amount needed to cover expenses, over a 5 year period, based on how often you are paid, or plan on funding (depositing) your Bill Account (if using two checking accounts).

Enter an income that is equal to or greater than, this amount, especially to start off with.
If the Average Minimum amount is not enough to cover the immediate upcoming expenses, until the negative balance(s) clear, you’ll need to:
- Deposit more into your Bill Account,
- Change the Entered Income per pay period in the green income section on the My Budget page,
- Or add additional income by clicking the Update Income button in the Income section on the My Budget page.

UsableCash.com

Discover your AVAILABLE spending cash limit: TODAY & over 5-rolling years!

To Satisfy Negatives - Watch or Read, below

Do one or more of the following:

UsableCash.com

Discover your AVAILABLE spending cash limit: TODAY & over 5-rolling years!

To Satisfy Negatives - Watch or Read, below

Do one or more of the following:

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