The advantage of text-based accounting is that files can be version controlled, just like software. I am using git and commit whenever I have a consistent state

The advantage of text-based accounting is that files can be version controlled, just like software. I am using git and commit whenever I have a consistent state, as verified by (lots of) balance assertions. In some sense, git commits are "meta transactions" for my personal journal, leading from one consistent state to another consistent state.