This shows my bars, the Bar at the bottom holds my spells and I use the Crtl key and my scrollwheel on my mouse to move up and down the bars not on display, such as a bar full of pots and other weapons, wands etc.
The Bar to the right as you view holds my stuff I tend to have to click on, such as FF item, any clickies that I use then click away from. Top bar is also clickie type stuff as well as Heighten etc.

Hope this helps.

Klaaatu/ Mike