Trouble with calculating overtime rate into hourly rate

I have been playing around with a time sheet for about a week now. I have the basic calculations worked out. Worker works 40 hours x rate of pay = Pay. No problem. But now, I've come to the overtime calculation. Worker works 40 hours but anything over that the worker would be paid one and half times the rate of pay.

I have two rows, one row for the regular hours and one row for the overtime hours. Each row has a field that shows the total hours for each row. I don't know how to have the overtime hours figure into the rateofPay field when there's overtime hours showing in the overtime fields. But, calculate regularly when no overtime hours. But calculates when there's overtime hours showing in the overtime fields.

Can someone help me out with how to calculate these fields? Yes, I've gone thru all the tutorials and have searched the forums for help. I think I've exhausted my options so here I am asking for help. Just one small favor, please no technical explanations. I don't understand the jargon but I can follow by example. Thanks guys.