Pivot table for a Budget sheet.

Hi, I've been forever trying to figure out a way to organize and track my bills and it started with my realizing that I can download my transactions from my online bank account in .csv format.
I've started downloading my monthly transactions and marking what each transaction is for.

To do this I inserted a 'Data Validation List' and the list contains my various expenses.

For instance:
- Payroll - My Workplace Name
- Cash
- Phone Bill
- TV Bill
- Credit card Bill
...and so on.

What I'd like to do is to have Excel break down how each expense breaks down monthly (and eventually, annually).
So if for instance in Jan I have 3 clothing bills I'd like to be able easily see that breakdown after I make what the expense is.
In the end I'd like to see how my expenses works out on an annual basis, and probably on average per month.

I have a feeling it's a way to use a pivot table? Am I correct? I'm just not sure how to go about doing this.

Any ideals?

Thanks very much,

Griz1