A household plans $3,100 of net income and $3,165 of expenses for April. What does the comparison show?

1. The comparison line is total net income minus total expenses. 2. Total net income for April is $3,100. 3. Total expenses for April are $3,165. 4. $3,100 minus $3,165 gives a difference of minus $65. 5. A difference below zero is a negative number, meaning expenses exceed income. 6. So the plan shows a negative difference of $65 and needs adjusting. 7. A positive difference of $65 reverses the subtraction and reads a shortfall as a surplus. 8. The $15 figures describe the past month rather than the April plan. _Source: FDIC Money Smart for Adults (September 2018), Module 4: Your Spending and Saving Plan, section Apply It: Making My Spending and Saving Plan_