If by "total" fields you mean you've defined summary fields, then those fields compute totals only for the current found set of records. If you have just one record in your found set then summary fields will only use the data in that one record to compute a total.
Use a find to find all relevant records for the current donor so that only those records are in the found set and your summary fields should then display the correct totals.
"so if there's a blank record i want totals to be 0, untill data is entered."
Add a "new donation" button that runs a script like this:
Show All Records
Show Omitted Only
The first two lines should give you an empty found set unless you are sharing the database over the network and might have a second user creating new records at the same time you are. That way, the new Record/Request step creates a new record that is in a found set of only that record.