Hello All !
A newbie here obviously due to needing HELP!!!
I have genuinely spent hours trying to solve this problem until my brain hurts

I have been trying to get into Excel and this is my first hurdle:
I'd like to specify the same date each month
EXCEPT when it falls on a weekend or Holiday, in which case I'd like it to show the first working day before the 20th, example: if I want to return the 20th of each month but it falls on a Sunday (19th is a Saturday and Friday 18th is a Holiday), I would like the result to show 17/5/2009.
I already have a named range to take the Holiday dates into the formula and have tried various combinations of Workday,Networkdays, Datedif functions.
The only formula I could get close was: =Workday(Field containing 1/1/2009),20,Holidays)...but this doesn't work.
I throw myself at your mercy !
Steve