A program that I'd like to make to help keep track of my money

Just a quick side note: at first my intention was to run this program through a blackberry or an HTC Evo from Sprint. However I'm not sure if I can do that.

Anyhow, I am terrible with money, as they say, easy come easy go.

I lose track of my money and I can't trace where my money goes to.

So I started creating excel sheets that would keep track of my money, but such a task is bound to bore me soon.

So I thought of creating a C++ program that could handle this task daily.

The program would meet the following criteria:

-Using a large almost infinite index for storing a struct composed of individual data

-Asking questions such as (not necessarilly in this order):

- income : integer_from where (string)

- expenses: int_what + int_what again following int_string format

-Payment : just paid/unpaid will suffice

-Total : income - expenses

That's basic

Then the next day
The last full index will have its total stored in memory (upon initiallization) then this will be added to the new income.

I want to make this program be updatable daily, as in I write down expenses as I spend my money, so that would have to be included in the functionality.

So this is the general idea I'm going for.

What do you guys think?
I think you could implement this in just about any language that isn't C/++ at least 10 times quicker at nearly no penalty. A scripting language would be a good choice.
I would have thought using Excel + maybe VB script within Excel would be no harder than doing it it many programming languages (if not easier).
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