simple excel spreadsheet

hi i need to create a simple cashflow spreadsheet which i can add / remove data to myself, using Excel 2004 (upwards) for the Mac OS. Forgive my explaining the brief in laymens terms. I want it to look like this: Rows : A list of 44 suppliers we will be invoiced by during next 7 months, ie 44 rows, with a 45th (numerical) row at bottom showing (accumulating) totals. Columns: Just seven, headed JAN, FEB, MAR, APR, MAY, JUN, JUL. The figures i will enter in the boxes relate to the expected payments i will need to make. I want the bottom row to be a 'calculator' where these figures are totalled up, so i can see at a glance what the total projection is for January, Feb, etc etc. In total 45 rows, 7 columns, and one very simple calculator at bottom to provide the total expenditure i need per month. To make this job achievable at lowest cost, i am happy if you simply create the shell, ie create the rows and columns, and the calculator row at the bottom, i can then enter the actual row titles (text) and the column titles (also text). **The only numerical row will be along the bottom and will calculate the total of all figures entered in the appropriate fields directly above.** If Paypal is an option for payment that would be ideal [have not yet checked this site's rules for payment but i will right now]. thanks in advance Burn Lamche, London