I want to manage the finances of an account with methods for crediting, debiting, and determining the balance of said account. I'd like for a better way of handling this.

readme.md

Manage the balance of a user account (credits, debits, and balance)

balance_entry.rb

class BalanceEntry < ActiveRecord::Base
  belongs_to :user

  # attributes: kind (debit or credit), source (stripe, paypal, bank transfer, etc.), amount (positive or negative float), verified (boolean)

  after_create :perform_transaction

  def perform_transaction
  	# withdraw or deposit on Stripe, Paypal, etc.
  end
  
end

user.rb

class User < ActiveRecord::Base

	has_many :balance_entries

	def balance
		balance_entries.where(verified: true).collect {|e| e }.sum
	end

	def credit(amount=0.0, source='fairygodparents')
		balance_entries.create kind: 'credit', source: source, amount: amount
	end

	def debit(amount=0.0, source='fairygodparents')
		balance_entries.create kind: 'credit', source: source, amount: amount
	end

end