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Default what is the correct formula to add a column with =sum

I want to total columns without typing every cell into the formula.
I also need help with if sums.
I tried =sum+(d2:d56) and it don't work and neither has any other
combination I tried.
I would also like to have the balance column in my checkbook automatically
subtract the debits and add the credits. Column d is debits or payments and
column e is credits or deposits and f is the balance column.
It has been years since I used excel or lotus.
 
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