Excel - Multiple Conditions with 2 variables

I am working on a excel data set whereby I have two variables - 1) One time Spend 2) Installment Spend. Now, the observations under these two variables contain 4 possibilities. A - One time Spend>0,Installment Spend=0 B - One time Spend=0,Installment Spend>0 C - One time Spend=0,Installment Spend=0 D - One time Spend>0,Installment Spend>0. I want to create a new variable called Spend type which can classify the Spend based on A-Onetime Spend, B-Installment Spend, C-No Spend, D-Both One time and Installment. Can anybody help me with creating this new variable in excel?

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