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Default Calculation help please

Hi I have two sheets in a spreadsheet which between them calculate and show
what I will pay to my credit card each month

The first sheet is called "Sheet1"
The Second sheet is called "Template" for the moment

The first sheet "Sheet1" does all the calculations for "Template sheet"
The second sheet "Template" displays all my calulations once they are worked
out like my minimum payment next month.

Now the background is out of the way here is my problem

In "Template" I have a cell called "Amount spent" which as the name suggests
calculates what I have spent

The formulae it uses is:

=IF(Template!R29="","",(J6-Template!R29))

Then further down I have a row of of cells where I input all my data

D27 = Date J27 = Paying in from N27 = Paying out to R27 = Amount in T27=
Amount out W27 = Notes

They all start on Row 29 as I miss a row

Now my major issue is on "Sheet1" where the calculation is carried out. I
have three columns

D4 = Full amount minus amount paid H4 = Amount of monthly interest J4 =
Carried forward Balance

D4 = Full amount minus amount paid "=IF(Template!R29="","",(J6-Template!R29))"
--
H4 = Amount of Monthly interest "=IF(D7="","",(D7*Template!T14))"

J4 = Carried forward balance "=IF(D7="","",(D7+H7))"

Now this all works fine and good but I want it to calculate it if I spend on
my credit card and add it to the carried forward balance so I have added an
extra column "Full amount plus amount used" But I want it to calculate this
in the carried forward balance as well as the the amount I have paid to my
card

Wonder if you can help

Sorry it is so long winded. This issue is driving insane please help I have
been on it for weeks thanks

Joel


Joel
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