OK, By now I should be able to see this......... But I must be brain dead today.....
=IIf([txtBal]<"0","Under Budget",IIf([txtBal]>"0","Over Budget","On Budget"))
This isnt working ?????
IF the [txtBal] is say "-5.00" it still returns "Over Budget"
Whats my problem in the syntax????

I think the trouble is with your quotation marks...

If txtBal is numeric, your expression ought to be..

=IIf([txtBal]<0,"Under Budget",IIf([txtBal]>0,"Over Budget","On Budget"))

Why do you have Balance as text (txt), I wonder? Should it be number instead?

Was the quotes....... Thanks