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Default Formula Problem For Checkbook Register

Here is what I am trying to do
Cell Name Account Formula Used
A2 debit Checking
B2 credit Checking
C2 total Checking total
=IF(AND(ISBLANK(A2),ISBLANK(B2)),"",C1-A2+B2)
D2 debit Savings
E2 credit Savings
F2 total Savings Total
=IF(AND(ISBLANK(D2),ISBLANK(E2)),"",F1-D2+E2)
G2 Collected Total

My problem is getting a total for G2. If nothing is in the debit or credit
spaces, excel will not add a number to it (which i like) but i need a formula
that basically says if C2 has a number but F2 does not have a number i want
it to add the total of the two cells anyways and put the total in G2

As it stands now I have to add a "0" to credit or debit just to get a total
of the two cells, and i don't want that because it makes it harder to see
what the total is to the savings account + it keeps adding the new amount
each time it has a total in F2.

If anyone can help me, it would be greatly appreciated.
Thanks in advance

 
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