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Default how to get a formula to stay as 0

i have a sheet where a put bills that have been sent out when i recieve
payment. i have another cell that tells the differnce between received and
original bill.
like this
=a1-b2
but when payment is not received i get a1 amount all the way down on my
sheet. so how can i get my cell to stay 0 if payment is not recieved.

thank you, i hope i'm not being too confusing.


 
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