Help with Excel spreadsheet Macro

I downloaded a file from http://angus65.com/.

It is a budget spreadsheet following Dave Ramsey's principles. I want to be able to add rows of categories or delete ones I do not want and still be able to use the Macro to populate the following months. I would appreciate any assistance in getting this figured out.

Another aspect of worksheet-macro traffic that is not always covered in Microsoft Excel 2003 VBA courses is the number of read/write events. It is much faster to read a block of a thousand cells than to read each cell individually. If a macro is acting on a large range of data, read the range in first before looping through the data rather than looping and reading a cell on each iteration.