stopping updating cells reference in excel formulas when I insert a row

How can I disabling the update a reference cell in excel formula when I insert a row or a column.

You could use named relative ranges.

You could also use the Indirect or Offset formulas, either in the formulas you're currently using or to create the named ranges. Note that Offset won't work for your requirements if you're talking about inserting a row above or a column to the left of the cell to be offset.
For example, if you wanted to always sum A1:A10, you could use either =SUM(Indirect("A1:A10")) or =SUM(Offset(A1,0,0,10,1)).