penny owes her uncle a dollar. She then borrows 4 more dollars from her uncle, but eventually pays him back 3 dollars. How much does Penny still owe her uncle?
So she starts out with -1 dollars. Then she borrows 4 more and gets to -5 dollars. If she pays him back 3 dollars, she is left still owing him 2 dollars as her balance is at -2 dollars.
