Send reminder to user based on date until date is apply

I have created a form(MthPlan) which consist of a table. It contains in the 1st column, Jan, Feb,Mar,Apr,May,Jun,Jul,Aug,Sep,Oct,Nov,Dec and 1st row 1,2,3,4,5...until 31.
For Jan row, I have text fields - Jan1,Jan2,Jan3...until Jan31 and
For Feb row, Feb1,Feb2....until Feb31, and so on for the other rows(Mar,Apr,May,Jun,Jul,Aug,Sep,Oct,Nov) until Dec.
All fields default value is 0.

Situation:
Person-in-charge will help user to enter 0,1 or 0.5 in the text fields Jan1,Jan2...Feb1...Mar3...so on until Dec31 for the months Jan to Dec in the form(MthPlan).
A reminder will start to send to person-in-charge and user every first day of the month(Jan to Dec) to remind users which dates they apply for that month. For each month, if user ignore this reminder, it will keep on sending to user and person-in-charge until user submit his annual leave form with the dates he enter for that month and the status of the form is completed, it will stop sending the reminder for that month.

E.g.,
If user enter 1 in F3,1 in F4,1 in F5,0.5 in F6 and so on,it will check against another form(Annual Leave) and its date/time computed field - dlist which consist of several dates in a form, if the dlist contains 03022005,04022005,05022005,06022005 and all match, it will check if it is 1 for 03022005,1 for 04022005,1 for 05022005 and 0.5 for 06022005 in a number computed field - halist which consist of several 1 or 0.5 numbers. If all match, it check the status of the form,if status = "Completed", there will be no reminder send to user.


How do I create the formula for my agent for the above?
Please advise.
Thank you very much.