Here’s how I tried to solve the problem:
A 5 column spreadsheet, the headers labeled ‘Transaction’, for the check number, ‘Reason’, for who the check is to, ‘Deposit’, ‘Debit’, & ‘Balance’. I started out with 22 rows, but you can start with more or less as you see fit. In line 22 of column ‘E’, the Balance column, I make the formula <=C22-D22>, or Deposits minus Debits. Finally, I make the Deposit column autosum, and do the same with the Debit column, so that Cell C22 has the formula <=SUM C2...C21>. As you fill the spreadhheet, you can use the insert cells command, and the new cells will become part of the formula. Your correct balance will always be in the last cell of the spreadsheet.
Hope this helps.