Thank you to everyone who's been responding, especially "L" who's given me some slack for my ignorance of QB terminology and to the person who inserted a little humor here. I am an Excel expert and if anyone needs help with that, find me on the MS newsgroups answering questions (and showing a lot of patience for newbies and folks who don't know the difference between a formula and a macro).
I also agree that it would be difficult to change my system for the unpaid work I do for the non profit. Instead I will suck it up and march on and remember that I'm doing a good deed each time I input those 120 Customer Payments each month.
I started this conversation because I thought, perhaps, that the new version of Quickbooks would be different. In the end, I'm sure it's not. I buy support from QB and as I said in my first message, they haven't been able to figure out how to make sure that all three areas are affected correctly if I were to attempt to automate my process.
Karen