Subtraction and borrowing for dummies

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Regarding the subtraction and borrowing a digit from upper digits, I know how that works for more than one digit numbers. However, I can not figure out for one digit numbers! It is an obvious thing since we were in school. But I need a mathematically explanation.

Example:

What is the result of 21-13?

 2 (10^1)       1 (10^0)
-1 (10^1)      -3 (10^0)
________________________

For the first digit, we know that 1<3, so we have to borrow from the next digit. The next digit is 2*10 and the borrowed value will be 10. Therefore, the first number is changed to 1 (10^1) (10+1) (10^0). Now we are able to subtract 3 from 11 and then 1 from 1. The results will be 8

Problem:

Now assume, we want to find the result of 1-3 with the above mentioned methodology. We know that

 0 (10^1)        1 (10^0)
-0 (10^1)       -3 (10^0)
_________________________

We have to borrow a 10 from the second digit but it is 0. There is also no more non-zero digit in the left (all left digits are zero means 0...000001).

So how we reach 1-3=-2??

UPDATE

According to the comments and answers, borrowing is not a universal method and may fail if there is no 1 in the left. The question now is, what is the universal method for subtraction?

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There's more than one way to get to an answer. The borrowing method is just one method.

As it happens, the borrowing method isn't particularly useful for $1-3$. (We have nothing to borrow from!) So we use another method.

On thing we can do is notice that: $$(1-3)+(3-1)=0$$ (Just remove the parentheses. Everything cancels.) Now, any two things that add up to zero are opposites of each other! That means that $(1-3)=-(3-1)$, or $1-3=-(2)=-2$.

In general, $x-y=-(y-x)$. If you ever have to subtract a large number from a smaller one, just switch them around and put a minus sign in front.