Savings Budget - Metrics don't make sense to me

Hi,
I have tried and tried to use the Savings Envelope, to no avail. It’s too complicated and not enough Up-To-Date documentation. I was constantly not remembering to change the Adjust ± Modifies cell, so had to backtrack - and messing things up. I found that the Ultimate Budget (by RichL) was much more useable.
Ultimate budget
It just made more sense to me.

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