Your Contribution Balance is the total amount that you currently have saved up in your Contribution Account. The Fund Currently Available refers to only the amount that is available for the offer you are working on. The reason these numbers differ at times is due to pending offers on other accounts.
Let’s use a simple example to explain further. Assume you have 2 debts.
Creditor A balance is $5000
Creditor B balance is $8000.
Now, let’s assume you’re Contribution Balance is $5000
On Jan 1st, you made an offer to Creditor A for $1500.
Now on Jan 10th, you would like to make an offer to Creditor B. The Funds Currently Available for this offer are $3500 because $1500 is already allocated towards your previous offer with Creditor A that you are waiting to hear back from. ($5000-$1500 = $3500).
In this example, when making an offer to Creditor B, $5000 is your Contribution Balance and $3500 is your Funds Currently Available.
If you would like to use more than the Funds Currently Available to make an offer, you can certainly do so, but UGotiate will warn you about this. If you are using funds reserved for another offer to make an offer to another creditor, you may run into trouble if both of the offers come back accepted because you won’t have enough money to pay both offers. You really only want to make offers with the money you currently have available to be safe.