Adding rows in between formulas
 

I have a worksheet that has blank rows between formulas. For example:

4 Club 1
5 Mary $15.00
6 Deb $15.00
7 total $30.00
8
9 Club 2 Karen $15.00
10 Tim $15.00
11 total $30.00

Each dollar amount column has a formula. If I want to add a row "total" and
"karen" what do I do to keep the formula for the correct row number.
Someone did something on the spreadsheet and the row numbers do not match up
with the formula. There approximately 200 "Clubs". Is there an easy and fast
way to carry the formula through to each "club" without filling in the blank
lines with formulas? Is this as clear as mud???