BIBGO! Luke you gave me an idea. Here is the code:
Sub Example()
Dim colHeads As Variant
Dim i As Long
Dim newMonth As String
Dim mBefore As Date
mBefore = DateAdd("m", -1, Now)
d = Format(mBefore, "mmmm")
colHeads = Array("Client Name", "Service", "Start Date", "Rep", "First Year...