I would buy yourself a copy of quickbooks. (I hate it too..) I recommend this for two reasons. 1) Most banks worth their salt allow you to download your transactions in a format quickbooks can understands. 2) It's the format that accountants generally work in or can import most easily. How much extra time do you think your accountant is spending getting your worksheet into quickbooks or whatever system they are using? A fair amount I'm guessing.