In reply:
So what is the Balance table designed to do?
 Keep track of in and out out, which an be DIrect Debits (DDRs) or adhoc (inserted into the Balance Sheet manually)

Do you enter an amount in there and reduce as money goes out?
 Yes

Or does it reflect what is in the DDR? No DDR is just an outgoing (it uses TYpe (+ or -) to calculate whether it should add or subtract the payeeamt

Is DDR Direct Debits?
That is correct.