Works exactly as I want it to... there are a few things I need to change to accomodate my specific needs, but this is absolutely what I was looking for.
Consider this one solved!!!

Thank you for both your answers! I learned a lot!

I'm wondering tho, in this line:

Ref = CDate(Year(Cell) & "." & Month(Cell) & ".1")

I changed this so that it would work for me... I just used (Cell)... but I'm wondering why your code reads liket his... is this some conversion that you need to do in Europe or something?