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I’m not exactly sure what your question is, but no, payments and balances are not the same thing — they should be in separate tables. In fact, balances should not be recorded at all: payments should be positive or negative (money in or out), and the balance should be calculated as the sum of payments. I’m not sure what you mean by “advance.”

In any case, if you need further help, please show your DB schema and describe your question in more detail.