Cindi
The Help facility in excel explains this easily - I have
copies the extract for you, but if you go into the Help
menu and search on 'templates' there is a lot more info.
Create a workbook template for new workbooks
Create a workbook that contains the sheets, default text
(such as page headers and column and row labels),
formulas, macros, styles, and other formatting you want
in new workbooks that you base on the template.
On the File menu, click Save As.
In the Save as type box, click Template (*.xlt).
In the Save in box, select the folder where you want to
store the template.
To create the default workbook template, select either
the XLStart folder or the alternate startup folder. The
XLStart folder is usually
C:\os\Profiles\user_name\Application
Data\Microsoft\Excel\XLStart
where os is the operating system folder - for example,
Windows.
To create a custom workbook template, select the
Templates folder, which is usually
C:\os\Profiles\user_name\Application
Data\Microsoft\Templates
where os is the operating system folder, for example,
Windows.
In the File name box, type book to create a default
workbook template.
Hope this helps
Lindsey