Move the model callbacks into Observables; reduce caching since it held balances incorrectly

app/Models/Observers/JournalObserver.php

@@ -0,0 +1,22 @@
+<?php
+
+namespace App\Models\Observers;
+
+use App\Models\Journal;
+
+/**
+ * Class JournalObserver
+ * @package App\Models\Observers
+ */
+class JournalObserver
+{
+    /**
+     * @param Journal $journal
+     * @throws \UnexpectedValueException
+     * @throws \InvalidArgumentException
+     */
+    public function creating(Journal $journal): void
+    {
+        $journal->balance = 0;
+    }
+}