Need a excel template updating

Basically there will be

12 tabs January to December

The template is attached but I need it updating to specifications

Starting position
Total Months Income
Disposable income this figure will come come from the total of net income take away essential bills takeaway non essentials take away future you

Underneath I want it to be savings and investment balances
Cash
Property
Gold
Businesses
Emergency fund

Then outstanding debts
I need the name of the Debt the amount outstanding and the APR

Santander Credit Card
Zable Credit Card
Utilita Gas Debt
Utilita Electric Debt
Nationwide Loan
MBNA Loan

All needs to be in £

Liquid net Worth is Savings and investments - debts

BILLS Account change to Essential Bills

Spend account to non essentials

Weekly review needs to be a new category

Future you

Savings
Emergency Fund
Savings
Total

Investments
Gold
Property
Stocks & Shares ISA
Total

Pensions
SSIP
Total

Then column F needs to read essential bills

I want each category to have a different muted colour like the Debt Repayments has

Home Running Costs
First Direct Mortgage
Aviva Home Insurance
Welsh Water
Total

Debt Repayments
All 6 from the outstanding debts above
Total

Utilities
Electric
Gas
Total

Health/Protection
Gym
Medicash
Guardian Life Insurance Critical Illness
My GP
Total

Broadband/Phone
EE Broadband
EE Mobile
3 Mobile
Total

Food & Drink
Food
Drink
Pets Food etc
Total

Non essentials

Entertainment
Prime
Netflix
Disney Plus
Cinema
Books
Blinkist
Total

Clothes
Clothes
Total

Presents
Presents
Total

Eating out
Eating out
Total

Future You