Here's the sample file with revised formulas for col D ("Balance") in Sheet1
http://flypicture.com/p.cfm?id=54072
(Right-click on the link: "Download File"
at the top in the page, just above the ads)
File: Jambora_MonthlyMoneyAccounting_wksht.xls
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Revised formulas for col D
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Put in D4: =C4

Put in D5:
=IF(AND(B5="",C5=""),0,D4-B5+C5)
Copy D5 down to D52

Then just suppress extraneous zeros from showing in the sheet via:
Click Tools Options View tab Uncheck "Zero values" OK

This way will achieve the blank effect you want for "new" rows w/o any debit
or credit, until the inputs are made

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Btw, in future please *do not* post any attachments to the newsgroups
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Rgds
Max
xl 97
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GMT+8, 1° 22' N 103° 45' E
xdemechanik <atyahoo<dotcom
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"Jambora" wrote in message
...
This works well as long as the balance remains zero, which frankly is not
long. For instance, now, the balance of debits and credits is $2,015.16.
It now repeats this value down to the end of where my current cell
formatting ends, instead of what I would like to see is the last entry
showing the last balance, then the balance below that to the end be empty
cells, as they are in the debit and credit columns, which of course are
not
functions.

Close, but only half a cigar....:)

Jambora