It cleared up after doing it twice. The first time, I only had 50 denars but my workshop makes 8000+ so I should have had enough after payday. It might be that the game checks to see if you have enough and if not puts the penalty, then calculates all of your money. Dunno but like I said after it did it twice it went away. And I just received it. A message popped up saying I didn't have enough money to pay my troops.