A lot of points! Write a formula that does the following:

Adds all of the Monthly Expenses.
Multiplies the result by 12.
Then adds all of the Yearly Expenses to the product of Steps 1 and 2.
Divides this new sum by 12 (your numerator should be completely in parentheses).

=((SUM(PUT RANGE OF MOTHLY EXPENSES HERE)*12)+SUM(PUT RANGE OF YEARLY EXPENSES HERE))/12

Explanation:

Adds all of the Monthly Expenses : SUM(PUT RANGE OF MOTHLY EXPENSES HERE)

Multiplies the result by 12: *12

Then adds all of the Yearly Expenses to the product of Steps 1 and 2 : SUM(PUT RANGE OF YEARLY EXPENSES HERE)

Divides this new sum by 12: /12

=((SUM(PUT RANGE OF MOTHLY EXPENSES HERE)*12)+SUM(PUT RANGE OF YEARLY EXPENSES HERE)/12)

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