Email Summary Reports for each User

I was wondering the best method people use to send timed reports by email. As of now we can send emails when data is added, edited etc. but we want to implement scheduled emails.
We are looking to send summary of emails to each user. For example, a morning report of customers that need to be followed up for each sales rep, a summary of clients created today, money owing etc.
I'm assuming we would need to setup a cron job for this to work properly and of course we could create a separate php file to run this but was wondering if there is a way to automate this in PHPR.
Thank you,