Hi we have just been granted our fiance visa and on our financial section we put a cover statement in explaining our finances. On the statement we put in a small table showing a brief overview. It was only brief .

You said your budgets are not as good as they can be, just to assure you we had an overdraft on ours and to overcome this we simply explained the reason for this, dont know how much it helped but we got the visa .

Good Luck