This is much simpler to do using the Define Names command in Excel, rather than JAWS.
1. Go to the cell that is the intersection of the column and row titles you want read to you when navigating inside the table. For example, if you list bill items you want to pay down column A, and months you will be paying across row 2, start in cell A2.
2. Pres the applications key, up arrow ttwice to Define Names and press Enter.
3. Type title in the edit box and press enter.
Now you will hear column titles (the months) as you left and right arrow through the table, and row titles (the types of bills) as you up and down arrow.