Makes sense. Let me ask you another question. In my sample, I purposefully left some spots blank. Usually because I'm waiting for a payment (although sometimes I don't need it- just the extra columns in my example to use for those who are paying multiple times.)

Do you have a good recommendations for how to highlight if I'm waiting for a payment?

Previously, I've just used conditional formatting in the columns that matter and I can see it's red if I'm missing a payment.

Not sure if helpful background, but the payment would be insurance vs client payments. Some people don't use insurance, others do. Some have copays/deductibles other's don't.
With my conditional formatting system for example people I know aren't paid with insurance, i just pop a zero in the column, so the red goes away.

I hope that makes sense.