Those "if" forumulas you are using are complex. You said you wanted a simple spreadsheet. Unless you really know excel I would abandon the "if" formula and go to a more simple format using columns (down) instead of rows (across). Also instead of using words like "paid" and late I would just use the dollar amount.
Hope that helps some, if you revise it, I'll take a second look.
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The Way of the Warrior is Practice. Daily practice, accumulate practice minute by minute, hour by hour and day by day. {Book of 5 Rings} Mike Brewers 2008 Sit up challenge 40,000/100,000 running balance.(Crunches) Kicks 6,300/100,000
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