What's weird is that I'm supposed to have 0.03+ BTC
What's REALLY weird is that I do, but every time I make a transaction, it sort of "refreshes" my final balance, meaning I can spend more than 0.03 BTC, but it SHOWS I have 0.02,
Blockchain final balance is what you might be talking about? That doesn't matters you will get bitcoin onto your client and are spendable after certain confirmations on the network