Storing and Sorting Data.

[TheVig]

I want to keep track of my available funds in my checking account.

At the end of every day I deposit cash, checks, and credit cards.

The cash is available immediately
Credit Cards take 3 days to be available
Checks take 5 days to be available.

I want to know what I have available and what I have pending...really helps prevent from bouncing checks

I've been racking my mind, but just can't seem to come up with a clever solution to this.

I think I would prefer to use XML...but I'm open to suggestions.

I definitely want to stay away from excel...even though I could easily do it there.