the desired "zero"

Ugh - hubby and I are taking Dave Ramsey's Financial Peace University through church and we're on the chapter on budgets, or as he calls it a "cash flow plan." Well, that's exactly it b/c our cash is flowing and the end of the plan does not equal the desired zero (or a positive for that matter!) Great advice and we're loving the class, but just a little frustrated tonight at our lack of balancing. Hope your expenses are matching your incomes tonight!