Can anyone PLEASE HELP me?
How do I create a formula that will add a late fee according to the date?  
Here is how the spreadsheet is setup

c=amount paid
d=date paid
e=monthly payment
j=late fee ($25)
k=balance due

Now I'm trying to get (k) to find the result of (c+j,e) if (d) is after the
10th of the month, so if e= $400 and I put $200 in (c) on the 11th then (j)
should add $25 and (k) should equal $225.  I also need for (k) to recognize
if none of (e) is paid to sum up (e+j).  I have tried in (k) to formulate:
IFTODAY()-D>10,SUM(C,E,J),0

I also need a suggestion for a formula to put in (j) to recognize anything
after the 10th to add $25.

Thanks in advance!