https://www.youtube.com/results?search_query=vba+tratamento+de+erro

Private Sub Worksheet_Change(ByVal Target As Range)
On Error Resume Next
Application.EnableEvents = False
Application.ScreenUpdating = False

Dim Saldo As Double
Dim MsgSaldo As String

Saldo = Range("D2").Value

'--- Balance ---
If Saldo < 0 Then
MsgSaldo = MsgBox("Seu saldo é insuficiente !", vbCritical, "Saldo")
End If

Application.EnableEvents = true
Application.ScreenUpdating = true
End Sub