Two ways
Either make the form inherit fields from the previous month -so you can only create a new month from the previous month's document
Set up a computed when composed field called 'lastmonthscumtotal' with a value of cumtotal (or whatever your field name is)
Make the computed cumtotal field =lastmonthscumtotal + thismonthsdifference
This has the problem that if you go back and correct a figure, all later months will be wrong
So the alternative is
Create a view of the bills categorised by year
Make the second column the difference
Your formula for lastmonthscumtotal is now
list:=@dblookup("":"nocache";"";"viewname";year;2);
checkedlist:=@if(@iserror(list);@return(0);list);
@sum(@subset(checkedlist(monthnumber)))