Way too complicated for me :)

I just have 1 text file with monthly data. Each month is on a separate line, with only 5 columns (expanded below).

  1.date   2.saldo  3.savings  4.delta  5.special income / outcome (heading line)
  1 31 january 2026
  2 500
  3 2500
  4 -80
  5 dinner -50, concert - 30, sales +80, trousers -80, etcetera