Perhaps you want to consider reconstructing your schedule. To say the least, it's rather inconsistent and confusing. E.g., "Mums income" looks for "Salary" in column A. But for "Dad" it picks up "Salary" from column B. On the expense side, Mortgage Payments looks for the text "Loan Payment" in column A, where column B actually has "Mortgage" as a reference. And for Gas, you look for a specific supplier name in column B. etc. etc.
It would be more effective if you organise your date in columns similar to what is in the picture below, and do your analysis, summaries from there. And then there is no need for conditional formatting. I took the liberty to make up a few Organisation names to demonstrate my point.
