You could either have the car pmt. as a running total and/or a yearly total.

Don't need anything fancy, monthly sheet. columns for different expences, date, check #, etc..  monthly sub totals at the bottom of the sheet, sub totals would carry over to the yearly total.

Do a drill down, all 12 months will be exactly the same. 13th sheet will be yearly total.

Can be run vertically or horizontally. Just have to set the code, in the yearly total sheet.

would look like this.     Car payment   =sum (jan:dec! d24)

Not in excel obviously but "car pmt" would be in 1 cell, next cell would have the code. Obviously the code would have different values but what it is saying is "look at all 12 months (jan-dec) and add up the totals in every month from cell D24.

That would give you a running total.    If you want a 12 month pmt to show 12 months of payments..    first cell could be jan, 2nd cell Feb, etc, etc,,  in a column. The next cell would be be coded, "=sum(!Jan !D24)"   down the 2nd column Feb next cell would be "=sum (!feb 1D24) 

The "!"  is the code to only use the value in "Jan D24"      WHere as "jan:dec!D24"  is saying look at 12 pages and only select the values in D24 and add them up.

Krap,, takes longer to explain it than it would be to lay out the entire Wookbook !!