What I am trying to do: Create cell labels that are a composite of the
contents of other cells.

Example: An investment club contributions sheet for all months and all
members

A1 = Name
A2 = John Smith
B1 = January
B2 = $500

I want to create a label for cell B2 such that it takes from $A2 and
$B$1 so that the label is something like "January:John Smith" .... or
something similar....

Why?

Because I will create a seperate sheet for each month where I can
reference this master sheet and show the current month (and perhaps the
previous 3 months) contributions for each member.

I can currently do this by just referencing by reference (position)...
but I want to make this a little smarter so that when members are added
or deleted from the master, all monthly sheets will always be correct
because they are referencing a smartly labeled cell.

So... how to create the labels dynamically - and how to reference them
dynamically in the monthly report sheets.

Thanks,

John