What you have is 'committing spreadsheet' - this is not a relational database. If you need to keep history of payments (date, payment type, amount), you will need more tables.
You may need a better understanding of relational database principles before proceeding. Here is a good tutorial site that should quickly get you familiar with basics:
http://www.rogersaccesslibrary.com/
If you want to go beyond the intrinsic search/filter tools and use code, here is one approach using VBA
http://www.allenbrowne.com/ser-62.html.
Will there be multiple simultaneous users of this db?