hledger
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Automatically process hledger.jounal in the local directory
hledger automatically searches for ~/.hledger.journal when the -f is not specified. If you have more than one hledger project or you store it in a different location, you will have to use the -f argument, which gets a bit tedious after a while. Why not assume a 'main' journal file in the current directory e.g. ledger.journal?
One clear example of this is make. You just make in the current folder and if there is a Makefile there it will be processed automatically. In case the file has a different name or is located in a different folder, you can be explicit by using the -f argument.