Add delayed reason

example.yaml

@@ -0,0 +1,50 @@
+end: 2025-05-01
+accounts:
+  - name: Capital One
+    balance: 4500
+    minimum: 500
+credit:
+  - name: Amazon Store Card
+    amount: -438.35
+    date: 2023-03-28
+  - name: Amex Platinum
+    amount: -3263.42
+    date: 2023-04-19
+  - name: Apple Card
+    amount: -80.07
+    date: 2023-04-03
+  - name: Chase
+    amount: -0
+    date: 2023-03-16
+  - name: Citi
+    amount: -2307.84
+    date: 2023-04-06
+  - name: Discover
+    amount: -197.90
+    date: 2023-04-03
+transactions:
+  - name: Bills
+    amount: -1690.00
+    date: first
+    frequency: monthly
+    delayable: false
+  - name: Car Insurance
+    amount: -140.92
+    date: first
+    frequency: monthly
+    delayable: false
+  - name: Savings
+    amount: -1000
+    date: 14
+    frequency: monthly
+    delayable: false
+  - name: Brokerage
+    amount: -1000
+    date: 2023-04-30
+    frequency: monthly
+    delayable: true
+  - name: Paycheck
+    amount: 3000
+    date: 15
+    frequency: biweekly
+    shift: early

go.mod

@@ -1,13 +1,11 @@
 module github.com/samuelattwood/cashflow
 
-go 1.19
+go 1.24
 
 require (
-	github.com/sirupsen/logrus v1.9.0
+	github.com/google/uuid v1.6.0
+	github.com/sirupsen/logrus v1.9.3
 	gopkg.in/yaml.v3 v3.0.1
 )
 
-require (
+require golang.org/x/sys v0.32.0 // indirect
-	github.com/google/uuid v1.3.0 // indirect
-	golang.org/x/sys v0.0.0-20220715151400-c0bba94af5f8 // indirect
-)

go.sum

@@ -1,17 +1,18 @@
 github.com/davecgh/go-spew v1.1.0/go.mod h1:J7Y8YcW2NihsgmVo/mv3lAwl/skON4iLHjSsI+c5H38=
 github.com/davecgh/go-spew v1.1.1 h1:vj9j/u1bqnvCEfJOwUhtlOARqs3+rkHYY13jYWTU97c=
 github.com/davecgh/go-spew v1.1.1/go.mod h1:J7Y8YcW2NihsgmVo/mv3lAwl/skON4iLHjSsI+c5H38=
-github.com/google/uuid v1.3.0 h1:t6JiXgmwXMjEs8VusXIJk2BXHsn+wx8BZdTaoZ5fu7I=
+github.com/google/uuid v1.6.0 h1:NIvaJDMOsjHA8n1jAhLSgzrAzy1Hgr+hNrb57e+94F0=
-github.com/google/uuid v1.3.0/go.mod h1:TIyPZe4MgqvfeYDBFedMoGGpEw/LqOeaOT+nhxU+yHo=
+github.com/google/uuid v1.6.0/go.mod h1:TIyPZe4MgqvfeYDBFedMoGGpEw/LqOeaOT+nhxU+yHo=
 github.com/pmezard/go-difflib v1.0.0 h1:4DBwDE0NGyQoBHbLQYPwSUPoCMWR5BEzIk/f1lZbAQM=
 github.com/pmezard/go-difflib v1.0.0/go.mod h1:iKH77koFhYxTK1pcRnkKkqfTogsbg7gZNVY4sRDYZ/4=
-github.com/sirupsen/logrus v1.9.0 h1:trlNQbNUG3OdDrDil03MCb1H2o9nJ1x4/5LYw7byDE0=
+github.com/sirupsen/logrus v1.9.3 h1:dueUQJ1C2q9oE3F7wvmSGAaVtTmUizReu6fjN8uqzbQ=
-github.com/sirupsen/logrus v1.9.0/go.mod h1:naHLuLoDiP4jHNo9R0sCBMtWGeIprob74mVsIT4qYEQ=
+github.com/sirupsen/logrus v1.9.3/go.mod h1:naHLuLoDiP4jHNo9R0sCBMtWGeIprob74mVsIT4qYEQ=
 github.com/stretchr/objx v0.1.0/go.mod h1:HFkY916IF+rwdDfMAkV7OtwuqBVzrE8GR6GFx+wExME=
 github.com/stretchr/testify v1.7.0 h1:nwc3DEeHmmLAfoZucVR881uASk0Mfjw8xYJ99tb5CcY=
 github.com/stretchr/testify v1.7.0/go.mod h1:6Fq8oRcR53rry900zMqJjRRixrwX3KX962/h/Wwjteg=
-golang.org/x/sys v0.0.0-20220715151400-c0bba94af5f8 h1:0A+M6Uqn+Eje4kHMK80dtF3JCXC4ykBgQG4Fe06QRhQ=
 golang.org/x/sys v0.0.0-20220715151400-c0bba94af5f8/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
+golang.org/x/sys v0.32.0 h1:s77OFDvIQeibCmezSnk/q6iAfkdiQaJi4VzroCFrN20=
+golang.org/x/sys v0.32.0/go.mod h1:BJP2sWEmIv4KK5OTEluFJCKSidICx8ciO85XgH3Ak8k=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405 h1:yhCVgyC4o1eVCa2tZl7eS0r+SDo693bJlVdllGtEeKM=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/yaml.v3 v3.0.0-20200313102051-9f266ea9e77c/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=

main.go

@@ -5,7 +5,10 @@ import (
 	"log"
 	"math"
 	"os"
+	"os/exec"
+	"regexp"
 	"sort"
+	"strconv"
 	"strings"
 	"time"
 
@@ -15,18 +18,48 @@ import (
 	"gopkg.in/yaml.v3"
 )
 
+const (
+	maxWidth                      = 100
+	DelayWeekend      DelayReason = "Weekend"
+	DelayInsufficient DelayReason = "Insufficient Funds"
+)
+
+type DelayReason string
+
 type timeSlice []time.Time
 
 func (s timeSlice) Len() int           { return len(s) }
 func (s timeSlice) Less(i, j int) bool { return s[i].Before(s[j]) }
 func (s timeSlice) Swap(i, j int)      { s[i], s[j] = s[j], s[i] }
 
+type transactionList []*Transaction
+
+func (t transactionList) Len() int { return len(t) }
+func (t transactionList) Less(i, j int) bool {
+	if t[i].Date.Before(t[j].Date) {
+		return true
+	}
+
+	if t[i].Amount < 0 && t[j].Amount < 0 {
+		return math.Abs(t[i].Amount) > math.Abs(t[j].Amount)
+	}
+
+	return t[i].Amount > t[j].Amount
+}
+func (t transactionList) Swap(i, j int) { t[i], t[j] = t[j], t[i] }
+
 type Account struct {
 	Name    string  `yaml:"name"`
 	Balance float64 `yaml:"balance"`
 	Minimum float64 `yaml:"minimum"`
 }
 
+type AccountYaml struct {
+	Name    string `yaml:"name"`
+	Balance string `yaml:"balance"`
+	Minimum string `yaml:"minimum"`
+}
+
 type Charge struct {
 	Name   string
 	Late   bool
@@ -36,14 +69,13 @@ type Charge struct {
 
 type Config struct {
 	Accounts     []Account
-	Credit       []Transaction
+	Transactions transactionList
-	Transactions []Transaction
 }
 
 type ConfigYaml struct {
 	Start        string
 	End          string
-	Accounts     []Account
+	Accounts     []AccountYaml
 	Credit       []TransactionYaml
 	Transactions []TransactionYaml
 }
@@ -53,19 +85,19 @@ type Transaction struct {
 	Date          time.Time
 	Delayable     bool
 	Frequency     string
-	HardDate  bool
 	ID            string
-	Late      bool
+	Delayed       bool
+	DelayedReason DelayReason
 	Name          string
-	OrigDate  time.Time
+	OriginDate    time.Time
 	Shift         string
 }
 
 type TransactionYaml struct {
 	Name      string `yaml:"name"`
-	Amount    float64 `yaml:"amount"`
+	Amount    string `yaml:"amount"`
 	Date      string `yaml:"date"`
-	Delayable *bool   `yaml:"delayable"`
+	Delayable string `yaml:"delayable"`
 	Frequency string `yaml:"frequency,omitempty"`
 	Shift     string `yaml:"shift"`
 }
@@ -85,9 +117,9 @@ type LogDay struct {
 	Transactions    map[string]*Transaction
 }
 
-func (t TransactionLog) dates() timeSlice {
+func (tl *TransactionLog) dates() timeSlice {
 	dateSlice := make(timeSlice, 0)
-	for date, _ := range t.LogDays {
+	for date := range tl.LogDays {
 		dateSlice = append(dateSlice, date)
 	}
 
@@ -96,290 +128,399 @@ func (t TransactionLog) dates() timeSlice {
 	return dateSlice
 }
 
-func (t TransactionLog) first() time.Time {
+func (t *TransactionLog) first() time.Time {
 	return t.dates()[0]
 }
 
-func (t TransactionLog) last() time.Time {
+func (t *TransactionLog) last() time.Time {
 	return t.dates()[t.dates().Len()-1]
-
 }
 
-func (logDay LogDay) transactions() []*Transaction {
+func (logDay *LogDay) transactions() transactionList {
-	transactions := make([]*Transaction, 0)
+	transactions := transactionList{}
 
 	for _, t := range logDay.Transactions {
 		transactions = append(transactions, t)
 	}
 
-	sortTransactions(transactions)
+	sort.Sort(transactions)
 
 	return transactions
 }
 
-func nextLogDay(transactionLog *TransactionLog, currentDate time.Time) *LogDay {
+func (tl *TransactionLog) nextLogDay(currentDate time.Time) *LogDay {
 	var next time.Time
-	for i, date := range transactionLog.dates() {
+	for i, date := range tl.dates() {
+		j := i + 1
+		if j >= len(tl.dates()) {
+			next = tl.dates()[i]
+			break
+		}
 		if date == currentDate {
-			next = transactionLog.dates()[i+1]
+			next = tl.dates()[j]
 			break
 		}
 	}
 
-	return transactionLog.LogDays[next]
+	return tl.LogDays[next]
 }
 
-func previousLogDay(transactionLog *TransactionLog, currentDate time.Time) *LogDay {
+func (tl *TransactionLog) previousLogDay(currentDate time.Time) *LogDay {
 	var previous time.Time
-	for _, date := range transactionLog.dates() {
+	for _, date := range tl.dates() {
 		if date == currentDate {
 			break
 		}
 		previous = date
 	}
 
-	return transactionLog.LogDays[previous]
+	return tl.LogDays[previous]
 }
 
-func parseConfig(configYaml *ConfigYaml) Config {
+func isWeekend(date time.Time) bool {
-	config := Config{
+	if date.Weekday() == 0 || date.Weekday() == 6 {
-		Accounts:     configYaml.Accounts,
+		return true
-		Credit:       make([]Transaction, 0),
+	}
-		Transactions: make([]Transaction, 0),
+
+	return false
+}
+
+func parseDelayable(delayableString string) (bool, error) {
+	if delayableString == "" {
+		return true, nil
+	}
+
+	delayable, err := strconv.ParseBool(delayableString)
+	if err != nil {
+		return false, err
+	}
+
+	return delayable, nil
+}
+
+func parseTransaction(transactionYaml TransactionYaml) (*Transaction, error) {
+	date, err := parseDate(transactionYaml.Date)
+	if err != nil {
+		return nil, err
+	}
+
+	date = stripTime(date)
+
+	if transactionYaml.Shift == "" {
+		transactionYaml.Shift = "late"
+	}
+
+	delayable, err := parseDelayable(transactionYaml.Delayable)
+	if err != nil {
+		return nil, err
+	}
+
+	amountStr := strings.ReplaceAll(transactionYaml.Amount, "$", "")
+	amountStr = strings.ReplaceAll(amountStr, ",", "")
+
+	amount, err := strconv.ParseFloat(amountStr, 32)
+	if err != nil {
+		return nil, err
+	}
+
+	transaction := &Transaction{
+		Amount:     amount,
+		Date:       stripTime(date),
+		Delayable:  delayable,
+		Frequency:  transactionYaml.Frequency,
+		ID:         uuid.NewString(),
+		Delayed:    false,
+		Name:       transactionYaml.Name,
+		OriginDate: date,
+		Shift:      transactionYaml.Shift,
+	}
+
+	return transaction, nil
+}
+
+func parseConfig(configYaml ConfigYaml) *Config {
+	accounts := make([]Account, 0)
+	for _, account := range configYaml.Accounts {
+		balanceStr := strings.ReplaceAll(account.Balance, "$", "")
+		balanceStr = strings.ReplaceAll(balanceStr, ",", "")
+		balance, err := strconv.ParseFloat(balanceStr, 32)
+		if err != nil {
+			logrus.Fatal(err)
+		}
+		var minimum float64 = 0
+		if account.Minimum != "" {
+			minimumStr := strings.ReplaceAll(account.Minimum, "$", "")
+			minimumStr = strings.ReplaceAll(minimumStr, ",", "")
+			minimum, err = strconv.ParseFloat(minimumStr, 32)
+			if err != nil {
+				logrus.Fatal(err)
+			}
+		}
+
+		accounts = append(accounts, Account{
+			Name:    account.Name,
+			Balance: balance,
+			Minimum: minimum,
+		})
+	}
+
+	config := &Config{
+		Accounts:     accounts,
+		Transactions: make([]*Transaction, 0),
 	}
 
 	for _, transaction := range configYaml.Credit {
-		formalDate, hardDate := parseDate(transaction.Date)
+		newTransaction, err := parseTransaction(transaction)
-		if transaction.Delayable == nil {
+		if err != nil {
-			transaction.Delayable = &[]bool{true}[0]
+			logrus.Error(err)
 		}
-		if transaction.Shift == "" {
+		config.Transactions = append(config.Transactions, newTransaction)
-			transaction.Shift = "late"
+		logrus.Debugf("Parsed Transaction: %s", transaction.Name)
-		}
-		newTransaction := Transaction{
-			Amount:    transaction.Amount,
-			Date:      formalDate,
-			Delayable: *transaction.Delayable,
-			Frequency: transaction.Frequency,
-			HardDate:  hardDate,
-			ID:        uuid.NewString(),
-			Late:      false,
-			Name:      transaction.Name,
-			OrigDate:  formalDate,
-			Shift:     transaction.Shift,
-		}
-		config.Credit = append(config.Credit, newTransaction)
 	}
 
 	for _, transaction := range configYaml.Transactions {
-		formalDate, hardDate := parseDate(transaction.Date)
+		newTransaction, err := parseTransaction(transaction)
-		if transaction.Delayable == nil {
+		if err != nil {
-			transaction.Delayable = &[]bool{true}[0]
+			logrus.Error(err)
-		}
-		if transaction.Shift == "" {
-			transaction.Shift = "late"
-		}
-		newTransaction := Transaction{
-			Amount:    transaction.Amount,
-			Date:      formalDate,
-			Delayable: *transaction.Delayable,
-			Frequency: transaction.Frequency,
-			HardDate:  hardDate,
-			ID:        uuid.NewString(),
-			Late:      false,
-			Name:      transaction.Name,
-			OrigDate:  formalDate,
-			Shift:     transaction.Shift,
 		}
 		config.Transactions = append(config.Transactions, newTransaction)
+		logrus.Debugf("Parsed Transaction: %s", transaction.Name)
 	}
 
 	return config
 }
 
-func parseDate(date string) (time.Time, bool) {
+func parseDate(dateString string) (time.Time, error) {
-	hardDate := true
+	currentDay := currentDay()
-	base := time.Now().AddDate(0, 0, -time.Now().Day()+1)
+
-	current := time.Date(base.Year(),
+	regMatch, err := regexp.MatchString("^[0-9]{4}-[0-9]{1,2}-[0-9]{1,2}$", dateString)
-		base.Month(), base.Day(), 0, 0, 0, 0, time.UTC)
-	dateString := string(date)
-	formalDate, err := time.Parse("2006-1-2", dateString)
 	if err != nil {
-		hardDate = false
+		return time.Time{}, err
-		if date == "first" {
-			formalDate = current
-			if formalDate.Before(time.Now()) {
-				formalDate = formalDate.AddDate(0, 1, 0)
 	}
-		} else if date == "last" {
+
-			formalDate = lastOfMonth(current)
+	if regMatch {
+		parsedDate, err := time.Parse("2006-1-2", dateString)
+		if err != nil {
+			return time.Time{}, err
+		}
+		return parsedDate, err
+	}
+
+	if dateString == "first" {
+		if currentDay.Day() == 1 {
+			return currentDay, nil
 		} else {
-			dateString = fmt.Sprintf("%d-%d-%s",
+			return firstOfMonth(currentDay).AddDate(0, 1, 0), nil
-				time.Now().Year(), int(time.Now().Month()), date)
-			formalDate, _ = time.Parse("2006-1-2", dateString)
-			if formalDate.Before(time.Now()) {
-				formalDate = formalDate.AddDate(0, 1, 0)
 		}
 	}
-	}
-	return formalDate, hardDate
-}
 
-func preFetchDates(transactions []Transaction, transactionLog *TransactionLog) {
+	if dateString == "last" {
-	for _, transaction := range transactions {
+		return lastOfMonth(currentDay), nil
-		if _, ok := transactionLog.LogDays[transaction.Date]; !ok && transaction.Amount != 0 {
-			logDay := LogDay{
-				Date:         transaction.Date,
-				Transactions: make(map[string]*Transaction),
-			}
-			transactionLog.LogDays[transaction.Date] = &logDay
-		}
-	}
-	logDates := transactionLog.dates()
-	transactionLog.StartDate = logDates[0]
-	transactionLog.EndDate = logDates[len(logDates)-1]
 	}
 
-func collectTransactions(transactions []Transaction, transactionLog *TransactionLog) {
+	dateString = fmt.Sprintf("%d-%d-%s", currentDay.Year(), currentDay.Month(), dateString)
+	parsedDate, err := time.Parse("2006-1-2", dateString)
+	if err != nil {
+		return time.Time{}, err
+	}
+
+	if parsedDate.Before(currentDay) {
+		return parsedDate.AddDate(0, 1, 0), nil
+	}
+
+	return parsedDate, nil
+}
+
+func ingestTransactions(transactions []*Transaction, transactionLog *TransactionLog) {
 	for _, transaction := range transactions {
 		if math.Abs(transaction.Amount) != 0 {
-			addTransaction(transactionLog, &transaction)
+			transactionLog.addTransaction(transaction)
 		}
 	}
 }
 
-func sortTransactions(transactions []*Transaction) {
+func (tl *TransactionLog) addTransaction(transaction *Transaction) {
-	sort.Slice(transactions, func(i, j int) bool {
+	if transaction.Frequency == "" {
-		if transactions[i].Amount < 0 && transactions[j].Amount < 0 {
+		tl.addDay(transaction.Date)
-			return math.Abs(transactions[i].Amount) > math.Abs(transactions[j].Amount)
+		tl.LogDays[transaction.Date].Transactions[transaction.ID] = transaction
-		} else {
+		tl.Transactions[transaction.ID] = transaction
-			return transactions[i].Amount > transactions[j].Amount
+
-		}
+		logrus.Debugf("Adding transaction %s (%s | %f) to %s",
-	})
+			transaction.ID, transaction.Name, transaction.Amount, transaction.Date.String())
+
+		return
 	}
 
-func addTransaction(transactionLog *TransactionLog, transaction *Transaction) {
+	dateList := calculateFrequency(transaction.Frequency,
-	var dateList []time.Time
+		transaction.Date, tl.EndDate, transaction.Delayable)
-	if transaction.Frequency != "" {
+
-		dateList = calculateFrequency(transaction.Frequency,
-			transaction.Date, transactionLog.EndDate, transaction.HardDate)
-	} else {
-		dateList = []time.Time{transaction.Date}
-	}
 	for _, date := range dateList {
-		if _, ok := transactionLog.LogDays[date]; !ok {
+		tl.addDay(date)
-			logDay := LogDay{
+		t := &Transaction{
-				Date:         date,
-				Transactions: make(map[string]*Transaction),
-			}
-			transactionLog.LogDays[date] = &logDay
-		}
-		t := Transaction{
 			Amount:     transaction.Amount,
 			Date:       date,
 			Delayable:  transaction.Delayable,
 			Frequency:  "",
-			HardDate:  false,
 			ID:         uuid.NewString(),
-			Late:      false,
+			Delayed:    false,
 			Name:       transaction.Name,
-			OrigDate:  date,
+			OriginDate: date,
 			Shift:      transaction.Shift,
 		}
-		transactionLog.LogDays[date].Transactions[t.ID] = &t
+		tl.LogDays[date].Transactions[t.ID] = t
-		transactionLog.Transactions[t.ID] = &t
+		tl.Transactions[t.ID] = t
+
+		logrus.Debugf("Adding transaction %s (%s | %f) to %s",
+			t.ID, t.Name, t.Amount, t.Date.String())
+	}
+}
+
+func (tl *TransactionLog) addDay(date time.Time) {
+	if _, ok := tl.LogDays[date]; !ok {
+		logrus.Debugf("Adding Log Day %s", stripTime(date).String())
+		tl.LogDays[date] = &LogDay{
+			Date:         stripTime(date),
+			Transactions: make(map[string]*Transaction),
+		}
+	}
+}
+
+func (tl *TransactionLog) deleteDay(date time.Time) {
+	if _, ok := tl.LogDays[date]; ok {
+		logrus.Debugf("Deleting Log Day %s", date.String())
+		delete(tl.LogDays, date)
 	}
 }
 
 func calculateShift(transactionLog TransactionLog, transaction Transaction) time.Time {
+	if isWeekend(transaction.Date) {
+		add := 1
 		newDate := transaction.Date
-	if transaction.Late {
 		if transaction.Shift == "early" {
-			newDate = newDate.AddDate(0, 0, -1)
+			add = -1
-		} else {
-			newDate = newDate.AddDate(0, 0, 1)
-		}
 		}
 
-	for newDate.Weekday() == 0 || newDate.Weekday() == 6 {
+		for isWeekend(newDate) {
-		if transaction.Shift == "early" {
+			newDate = newDate.AddDate(0, 0, add)
-			newDate = newDate.AddDate(0, 0, -1)
+		}
-		} else {
+
-			newDate = newDate.AddDate(0, 0, 1)
+		if newDate.Before(transactionLog.first()) || newDate.After(transactionLog.last()) {
+			for isWeekend(newDate) {
+				newDate = newDate.AddDate(0, 0, add)
 			}
 		}
 
 		return newDate
 	}
 
-func delayTransaction(transactionLog *TransactionLog, transaction *Transaction) {
+	if transaction.Shift == "early" {
-	if transaction.Date.Weekday() != 0 && transaction.Date.Weekday() != 6 {
+		return transactionLog.previousLogDay(transaction.Date).Date
-		transaction.Late = true
 	}
 
-	newDate := calculateShift(*transactionLog, *transaction)
+	return transactionLog.nextLogDay(transaction.Date).Date
-	if newDate.Before(transactionLog.first()) || newDate.After(transactionLog.last()) || newDate == transaction.Date {
+}
+
+func (tl *TransactionLog) delayTransaction(transaction *Transaction) {
+	newDate := calculateShift(*tl, *transaction)
+
+	if newDate.Before(tl.first()) || newDate == transaction.Date {
+		logrus.Debugf("Transaction not delayable %s (%s | %f)", transaction.ID, transaction.Name, transaction.Amount)
 		transaction.Delayable = false
+		return
 	}
 
-	if _, ok := transactionLog.LogDays[newDate]; !ok {
+	if newDate.After(tl.last()) {
-		logDay := LogDay{
+		newDate = tl.last()
-			Date:         newDate,
-			Transactions: map[string]*Transaction{},
 	}
 
-		transactionLog.LogDays[newDate] = &logDay
+	for isWeekend(newDate) {
+		newDate = newDate.AddDate(0, 0, 1)
 	}
 
-	delete(transactionLog.LogDays[transaction.Date].Transactions, transaction.ID)
+	tl.addDay(newDate)
+
+	delete(tl.LogDays[transaction.Date].Transactions, transaction.ID)
+
 	transaction.Date = newDate
-	transactionLog.LogDays[newDate].Transactions[transaction.ID] = transaction
+	tl.LogDays[newDate].Transactions[transaction.ID] = transaction
+
+	transaction.Delayed = true
+	if transaction.DelayedReason == "" {
+		transaction.DelayedReason = DelayInsufficient
+	}
 
 }
 
-func executeTransaction(transactionLog *TransactionLog, transaction *Transaction) bool {
+func (tl *TransactionLog) executeTransaction(transaction *Transaction) bool {
-	logDay := transactionLog.LogDays[transaction.Date]
+	logDay := tl.LogDays[transaction.Date]
 	accounts := make([]Account, len(logDay.EndingBalance))
 	copy(accounts, logDay.EndingBalance)
-	executed := false
+
-	finalDate := transactionLog.EndDate
+	if isWeekend(transaction.Date) && transaction.Delayable {
-	if transaction.Date.Weekday() == 0 || transaction.Date.Weekday() == 6 && transaction.Delayable {
 		logrus.Debugf("Delaying %s due to weekend scheduling\n", transaction.Name)
-		delayTransaction(transactionLog, transaction)
+		tl.delayTransaction(transaction)
-	} else if transaction.Amount > 0 {
+		transaction.DelayedReason = DelayWeekend
-		logrus.Debugf("Executing Credit: %s %s (%f)\n", logDay.Date, transaction.Name, transaction.Amount)
+
-		accounts[0].Balance = accounts[0].Balance + transaction.Amount
+		return false
-		executed = true
-	} else if transaction.Amount < 0 && math.Abs(transaction.Amount) > (accounts[0].Balance-accounts[0].Minimum) && transaction.Date.Before(finalDate) && transaction.Delayable {
-		logrus.Debugf("Balance: %f | Minimum: %f\n", accounts[0].Balance, accounts[0].Minimum)
-		logrus.Debugf("Delaying %s: %f (%s) due to lack of funds\n", transaction.Name, transaction.Amount, transaction.Date)
-		delayTransaction(transactionLog, transaction)
-	} else if transaction.Amount < 0 {
-		logrus.Debugf("Executing Charge: %s %s (%f)\n", logDay.Date, transaction.Name, transaction.Amount)
-		accounts[0].Balance = accounts[0].Balance + transaction.Amount
-		executed = true
 	}
 
+	logrus.Debugf("Balance: %f | Minimum: %f\n", accounts[0].Balance, accounts[0].Minimum)
+	logrus.Debugf("Delayable: %t", transaction.Delayable)
+	if !isAffordable(transaction.Amount, accounts[0].Balance, accounts[0].Minimum) && transaction.Delayable {
+		logrus.Debugf("Delaying %s: %f (%s) due to lack of funds\n",
+			transaction.Name, transaction.Amount, transaction.Date)
+		tl.delayTransaction(transaction)
+
+		return false
+	}
+
+	logrus.Debugf("Executing: %s (%s | %s | %f)",
+		transaction.ID, logDay.Date.String(), transaction.Name, transaction.Amount)
+
+	accounts[0].Balance = accounts[0].Balance + transaction.Amount
+
 	logDay.EndingBalance = make([]Account, len(accounts))
 	copy(logDay.EndingBalance, accounts)
 
-	return executed
+	return true
+}
+
+func isAffordable(charge, balance, minimum float64) bool {
+	if charge > 0 {
+		return true
+	}
+
+	logrus.Debugf("Charge: %f | Balance - Miniumum: %f", charge, balance-minimum)
+	logrus.Debugf("abs(charge) < (balance - minimum): %t", math.Abs(charge) < (balance-minimum))
+
+	return math.Abs(charge) < (balance - minimum)
+}
+
+func currentDay() time.Time {
+	return stripTime(time.Now())
+}
+
+func currentTZ() *time.Location {
+	return time.Now().Local().Location()
 }
 
 func firstOfMonth(t time.Time) time.Time {
-	return time.Date(t.Year(), t.Month(), 1, 0, 0, 0, 0, time.UTC)
+	return time.Date(t.Year(), t.Month(), 1, 0, 0, 0, 0, currentTZ())
 }
 
 func lastOfMonth(t time.Time) time.Time {
-	return time.Date(t.Year(), t.Month()+1, 0, 0, 0, 0, 0, time.UTC)
+	return t.AddDate(0, 1, -t.Day())
+}
+
+func stripTime(t time.Time) time.Time {
+	return time.Date(t.Year(), t.Month(), t.Day(), 0, 0, 0, 0, currentTZ())
 }
 
 func calculateFrequency(frequency string, startDate time.Time, endDate time.Time, hardDate bool) []time.Time {
-	base := time.Now()
+	current := currentDay()
-	current := time.Date(base.Year(),
-		base.Month(), base.Day(), 0, 0, 0, 0, time.UTC)
 	initDate := startDate
 	dateList := make([]time.Time, 0)
+
 	for initDate.Before(endDate.AddDate(0, 0, 1)) {
 		if !initDate.Before(current) || hardDate {
 			dateList = append(dateList, initDate)
@@ -397,9 +538,10 @@ func calculateFrequency(frequency string, startDate time.Time, endDate time.Time
 				initDate = initDate.AddDate(0, 1, 0)
 			}
 		} else {
-			break
+			logrus.Fatal("Invalid Frequency")
 		}
 	}
+
 	return dateList
 }
 
@@ -413,7 +555,7 @@ func categorizeTransactions(transactions map[string]*Transaction) map[string][]s
 	for _, t := range transactions {
 		if t.Amount > 0 {
 			categorized["credits"] = append(categorized["credits"], t.ID)
-		} else if t.Late {
+		} else if t.Delayed {
 			categorized["late"] = append(categorized["late"], t.ID)
 		} else {
 			categorized["standard"] = append(categorized["standard"], t.ID)
@@ -423,70 +565,54 @@ func categorizeTransactions(transactions map[string]*Transaction) map[string][]s
 	return categorized
 }
 
-func processTransactionLog(transactionLog *TransactionLog, accounts []Account) bool {
+func (tl *TransactionLog) processTransactions(accounts []Account) bool {
 	shifted := false
 	endBalance := accounts
-	logrus.Debugf("\n\nITERATION %d\n\n", transactionLog.Iteration)
+
-	if transactionLog.Iteration == 0 {
+	logrus.Debugf("\n\nITERATION %d\n\n", tl.Iteration)
-		for _, date := range transactionLog.dates() {
+	for _, date := range tl.dates() {
-			logDay := transactionLog.LogDays[date]
+		logrus.Debugf("Processing Log Day %s", date.String())
+		logDay := tl.LogDays[date]
 		logDay.StartingBalance = make([]Account, len(endBalance))
 		logDay.EndingBalance = make([]Account, len(endBalance))
 		copy(logDay.StartingBalance, endBalance)
 		copy(logDay.EndingBalance, endBalance)
 		categorized := categorizeTransactions(logDay.Transactions)
-			logrus.Debugf("---\nStarting Balance %s: %f\n", date, logDay.StartingBalance[0].Balance)
+		if processTransactionsByID(tl, categorized["credits"]) {
-			logrus.Debugln(categorized)
-			if processTransactions(transactionLog, categorized["credits"]) {
 			shifted = true
 		}
-			logrus.Debugf("Starting Balance %s: %f\n", date, logDay.StartingBalance[0].Balance)
+		if processTransactionsByID(tl, categorized["late"]) {
-			logrus.Debugf("Ending Balance %s: %f\n", date, logDay.EndingBalance[0].Balance)
-			endBalance = logDay.EndingBalance
-		}
-	} else {
-		for _, date := range transactionLog.dates() {
-			logDay := transactionLog.LogDays[date]
-			logDay.StartingBalance = make([]Account, len(endBalance))
-			logDay.EndingBalance = make([]Account, len(endBalance))
-			copy(logDay.StartingBalance, endBalance)
-			copy(logDay.EndingBalance, endBalance)
-			categorized := categorizeTransactions(logDay.Transactions)
-			logrus.Debugf("---\nStarting Balance %s: %f\n", date, logDay.StartingBalance[0].Balance)
-			logrus.Debugln(categorized)
-			if processTransactions(transactionLog, categorized["credits"]) {
 			shifted = true
 		}
-			if processTransactions(transactionLog, categorized["late"]) {
+		if processTransactionsByID(tl, categorized["standard"]) {
 			shifted = true
 		}
-			if processTransactions(transactionLog, categorized["standard"]) {
+		logrus.Debugf("Starting Balance %s: %f", date, logDay.StartingBalance[0].Balance)
-				shifted = true
+		logrus.Debugf("Ending Balance %s: %f", date, logDay.EndingBalance[0].Balance)
-			}
-			logrus.Debugf("Starting Balance %s: %f\n", date, logDay.StartingBalance[0].Balance)
-			logrus.Debugf("Ending Balance %s: %f\n", date, logDay.EndingBalance[0].Balance)
 		endBalance = logDay.EndingBalance
 		if shifted {
 			break
 		}
 		if len(logDay.Transactions) == 0 {
-				delete(transactionLog.LogDays, logDay.Date)
+			tl.deleteDay(date)
-			}
 		}
 	}
 
-	transactionLog.Iteration++
+	tl.Iteration++
 	return shifted
 }
 
-func processTransactions(transactionLog *TransactionLog, transactionIDs []string) bool {
+func processTransactionsByID(transactionLog *TransactionLog, transactionIDs []string) bool {
 	shifted := false
+
 	for _, id := range transactionIDs {
 		transaction, ok := transactionLog.Transactions[id]
 		if !ok {
 			logrus.Fatalf("Transaction ID: %s not found in log\n", id)
 		}
-		if !executeTransaction(transactionLog, transaction) {
+		logrus.Debugf("Processing %s (%s | %f)", id, transaction.Name, transaction.Amount)
+		if !transactionLog.executeTransaction(transaction) {
+			logrus.Debugf("Shifted due to: %s", transaction.Name)
 			shifted = true
 		}
 	}
@@ -494,76 +620,129 @@ func processTransactions(transactionLog *TransactionLog, transactionIDs []string
 	return shifted
 }
 
-func printOutput(logDay LogDay) {
+func getTerminalWidth() int {
-	delim := strings.Repeat("=", 67)
+	cmd := exec.Command("stty", "size")
-	divider := delim
+	cmd.Stdin = os.Stdin
-	delim2 := strings.Repeat("-", 66)
+	out, err := cmd.Output()
-	divider2 := delim2 + "|"
+	if err != nil {
+		logrus.Fatal(err)
+	}
+	widthStr := string(out[:len(out)-1])
+	sttyOut := strings.Split(widthStr, " ")
+	width, err := strconv.Atoi(sttyOut[1])
+	if err != nil {
+		logrus.Fatal(err)
+	}
+	return width
+}
+
+func printWithMaxWidth(maxWidth int, suffix string, strs ...string) {
+	total := 0
+	whiteSpace := regexp.MustCompile(`^\s+$`)
+	for _, str := range strs {
+		line := ""
+		if whiteSpace.MatchString(str) {
+			fmt.Print(str)
+			total += len(str)
+			continue
+		}
+		words := strings.Fields(str)
+		for _, word := range words {
+			total += len(word)
+			if len(line)+len(word)+1 >= maxWidth {
+				fmt.Println(line)
+				line = ""
+			}
+			if line == "" {
+				line = word
+			} else {
+				line = line + " " + word
+				total += 1
+			}
+		}
+		fmt.Print(line)
+	}
+
+	repeatCount := maxWidth - total - len(suffix)
+	if repeatCount < 0 {
+		repeatCount = 0
+	}
+
+	terminate := strings.Repeat(" ", repeatCount) + suffix
+
+	fmt.Println(terminate)
+
+}
+
+func printTransactionLine(amount float64, name, prefix, suffix string, maxWidth int) {
+	segment := fmt.Sprintf("%s$%.2f", prefix, math.Abs(amount))
+	spacer := strings.Repeat(" ", (maxWidth/4)-len(segment))
+	printWithMaxWidth(maxWidth, suffix, segment, spacer, fmt.Sprintf("| %s", name))
+}
+
+func printOutput(logDay LogDay) {
+
+	fullWidth := getTerminalWidth()
+
+	if fullWidth > maxWidth {
+		fullWidth = maxWidth
+	}
+
+	border := strings.Repeat("=", fullWidth)
+	divider := strings.Repeat("-", fullWidth-1) + "|"
+
+	fmt.Println(border)
+	printWithMaxWidth(fullWidth, "|", logDay.Date.Format("Jan 02 2006"))
 
-	fmt.Println(divider)
-	outString := fmt.Sprint(logDay.Date.Format("Jan 02 2006"))
-	rear_spacer := strings.Repeat(" ", 65-len(outString))
-	fmt.Printf("%s%s |\n", outString, rear_spacer)
 	for _, v := range logDay.StartingBalance {
-		spacer := strings.Repeat(" ", 19-len(fmt.Sprintf("%.2f", v.Balance)))
+		printTransactionLine(v.Balance, v.Name, "", "|", fullWidth)
-		outString := fmt.Sprintf("$%.2f%s| %s", v.Balance, spacer, v.Name)
-		rear_spacer := strings.Repeat(" ", 65-len(outString))
-		fmt.Printf("%s%s |\n", outString, rear_spacer)
 	}
 	for _, charge := range logDay.transactions() {
-		spacer := strings.Repeat(" ", 18-len(fmt.Sprintf("%.2f", math.Abs(charge.Amount))))
+		prefix := "-"
-		outString := ""
+		suffix := "|"
-		if charge.Amount <= 0 {
+		if charge.Amount > 0 {
-			outString = "-"
+			prefix = "+"
-		} else {
-			outString = "+"
 		}
-		outString = fmt.Sprintf("%s$%.2f%s| %s", outString, math.Abs(charge.Amount), spacer, charge.Name)
+
-		if charge.Late {
+		if charge.DelayedReason != "" {
-			late_tag := fmt.Sprintf("(%s - %s)", "Late", charge.OrigDate.Format("Jan 02 2006"))
+			suffix = fmt.Sprintf("(%s: %s - %s) |", "Delayed", charge.DelayedReason, charge.OriginDate.Format("Jan 02 2006"))
-			rear_spacer := strings.Repeat(" ", 65-len(late_tag)-len(outString))
-			fmt.Printf("%s%s%s |\n", outString, rear_spacer, late_tag)
-		} else if charge.Date != charge.OrigDate {
-			weekend_tag := fmt.Sprintf("(%s - %s)", "Weekend", charge.OrigDate.Format("Jan 02 2006"))
-			rear_spacer := strings.Repeat(" ", 65-len(weekend_tag)-len(outString))
-			fmt.Printf("%s%s%s |\n", outString, rear_spacer, weekend_tag)
-		} else {
-			rear_spacer := strings.Repeat(" ", 65-len(outString))
-			fmt.Printf("%s%s |\n", outString, rear_spacer)
 		}
+
+		printTransactionLine(charge.Amount, charge.Name, prefix, suffix, fullWidth)
 	}
-	fmt.Println(divider2)
+
+	fmt.Println(divider)
 	for _, v := range logDay.EndingBalance {
-		spacer := strings.Repeat(" ", 19-len(fmt.Sprintf("%.2f", v.Balance)))
+		prefix := ""
-		outString := fmt.Sprintf("$%.2f%s| %s", v.Balance, spacer, v.Name)
+		if v.Balance < 0 {
-		rear_spacer := strings.Repeat(" ", 65-len(outString))
+			prefix = "-"
-		fmt.Printf("%s%s |\n", outString, rear_spacer)
 		}
-	fmt.Println(divider + "\n")
+		printTransactionLine(v.Balance, v.Name, prefix, "|", fullWidth)
+	}
+	fmt.Printf("%s\n\n", border)
 }
 
 func main() {
-	yfile, err := os.ReadFile(os.Args[1])
+	if len(os.Getenv("DEBUG")) > 0 {
+		logrus.SetLevel(logrus.DebugLevel)
+	}
 
+	yfile, err := os.ReadFile(os.Args[1])
 	if err != nil {
 		log.Fatal(err)
 	}
 
 	var configYaml ConfigYaml
 
-	transactionLog := TransactionLog{
-		LogDays:      make(map[time.Time]*LogDay),
-		Transactions: make(map[string]*Transaction),
-	}
-
 	err = yaml.Unmarshal(yfile, &configYaml)
 	if err != nil {
 		log.Fatal(err)
 	}
 
-	config := parseConfig(&configYaml)
+	transactionLog := &TransactionLog{
-	preFetchDates(config.Credit, &transactionLog)
+		LogDays:      make(map[time.Time]*LogDay),
-	preFetchDates(config.Transactions, &transactionLog)
+		Transactions: make(map[string]*Transaction),
+	}
 
 	if configYaml.Start != "" {
 		transactionLog.StartDate, err = time.Parse("2006-1-2", configYaml.Start)
@@ -579,15 +758,24 @@ func main() {
 		}
 	}
 
-	collectTransactions(config.Credit, &transactionLog)
+	config := parseConfig(configYaml)
-	collectTransactions(config.Transactions, &transactionLog)
+
+	sort.Sort(config.Transactions)
+
+	if transactionLog.StartDate == (time.Time{}) {
+		transactionLog.StartDate = config.Transactions[0].Date
+	}
+
+	if transactionLog.EndDate == (time.Time{}) {
+		transactionLog.EndDate = config.Transactions[len(config.Transactions)-1].Date
+	}
+
+	ingestTransactions(config.Transactions, transactionLog)
 
 	shifted := true
 	for shifted {
-		//startingBalance := make([]Account, len(config.Accounts))
-		//copy(startingBalance, config.Accounts)
 		shifted = false
-		shifted = processTransactionLog(&transactionLog, config.Accounts)
+		shifted = transactionLog.processTransactions(config.Accounts)
 	}
 
 	for _, date := range transactionLog.dates() {