If you don't need the worksheet updated, you can use something like this. I think this gets you the format
This assumes that the folder exists
I did the sFullPath piece meal so that I could single step through the macro (F8) and hover the mouse over variables
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Option Explicit
Sub ADB_NegativeBal_2()
Dim sFullPath As String
sFullPath = "W:\Finance\Billings\"
sFullPath = sFullPath & Format(Now - 10, "yyyy") & "\" ' 2019
sFullPath = sFullPath & Format(Month(Now - 10), "00") & " " ' 03
sFullPath = sFullPath & Format(Now - 10, "mmmm") & "\" ' March
sFullPath = sFullPath & "ADB - " & Format(Now - 10, "yyyy") & ".xlsx" ' ADB - March
MsgBox sFullPath
' ActiveWorkbook.SaveAs filename:=sFullPath, FileFormat:=xlOpenXMLWorkbook, CreateBackup:=False
End Sub