Simple Income & Expense Spreadsheet

I'm working on creating a spreadsheet for my needs. I am in need of a simple spreadsheet that tracks my income and expenses and can do some simple calculations for me to analyze my business, and maybe add some complex calculations as I needs arise. Now one question I do have that is aside of the main reason for this post is, would it be better to create this in Access? I would not be too fond of Access at the moment, because that would require more learning to do what I have already created in Excel. Plus my comfort level rests more with Excel than Access at the moment and I need this income/spreadsheet now, and really can't add more time by having to learn Access.

I have two sheets in my current income/expense spreadsheet. One is for income and the other for expenses, naturally. I have the following fields on one row:
Date, Job Type, Amount, Address, Contact Name, Contact Phone, Contact Email, Approx. Time (hrs), Dump Fee, Referral Fee, Subcontract Fee, Notes

So here are my needs.
1) A form that enters data

2) Form needs to create a new row at the top and enter the newest data above the topmost data.

3) "Job Type" field needs a pull down list in the form to choose type of job.

3) Row coloring needs to stay consistent as new data is entered. [every other row is shaded for easier viewing]

4) Date data entered that starts the beginning of new month (i.e. Oct. 1) will also trigger a new row that will total and show the entire previous month income with a border across entire row to visually separate from the other months.

5) "Amount" field in the form will calculate net income based dependent on fee amounts entered if any (dump, referral, subcontract) and input calculated amount.

If anybody can help me create this form, I would be greatly appreciative. Thank you.

Regards,
BP