This is my solution but it may not be best for everyone.
Notes:
# .profile
function note { mg +-1 "/home/.../notes/$(date "+%Y-%m-%d").txt"; }
mg is micro emacs, +-1 opens the file with the cursor at the end.Transactions:
I record my transactions into ledger[0]. I wrote an auto-complete wrapper in Python to help speed up entry and another to keep the formatting consistent, but otherwise it's a manual job. It helps keep me aware of my transactions, plus I like to add comments and customize the entries instead of just loading them from the institution's CSVs.