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Default Using excel like a check register

i am using excel to evaluate and project our budget. i have it set up like a
check register, with "withdrawal" "debit" and "total" columns. up until now,
i have been creating individual formulas for the total column, depending on
whether i have a withdrawal on that line or a debit (formula ex1: =E2-C3)
(formula ex2: =E2+D3).
anytime i add or delete a row in my budget, i have to redo each individual
formula to fit the new items designation (either telling excel to add it or
subtract it).
is there a way i can put the same formula in the entire "total" column that
tells excel to "subtract if there is a number in column C (withdrawals) or
add if there is a number in column D (debits)" ?
thanks!
leslie
 
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