Budget

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name: budget-pro description: Personal budget management with privacy-first local storage. Use when user mentions setting a budget, tracking spending, logging expenses, checking budget status, or managing money by category. Tracks income, expenses, and category budgets with proactive alerts. NEVER accesses bank accounts or external financial services.

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Budget

Personal budgeting system with proactive tracking. Private. Simple. Effective.

Critical Privacy & Safety

Data Storage (CRITICAL)

All budget data stored locally only: memory/budget/

No external APIs for financial data

No bank account connections - manual entry only

No data transmission to financial apps or services

User controls all data retention and deletion

Safety Boundaries (NON-NEGOTIABLE)

✅ Track expenses by category with manual entry

✅ Alert on budget thresholds (70%, 90%, 100%)

✅ Generate reports and spending insights

✅ Suggest reallocation between categories

❌ NEVER connect to bank accounts or credit cards

❌ NEVER access external financial services

❌ NEVER make financial recommendations beyond budget reallocation

❌ NEVER store sensitive financial credentials

Quick Start

Data Storage Setup

Budget data stored in your local workspace:

memory/budget/budget.json - Monthly budget limits by category

memory/budget/expenses.json - All logged expenses

memory/budget/income.json - Income sources

memory/budget/reports/ - Generated reports and digests

Use provided scripts in scripts/ for all data operations.

Core Workflows

Set Budget

User: "My food budget is $500 per month"
→ Use scripts/set_budget.py --category food --limit 500 --period monthly
→ Store budget limit

Log Expense

User: "I spent $45 on groceries"
→ Use scripts/log_expense.py --amount 45 --category food --description "groceries"
→ Check against budget, alert if thresholds crossed

Check Budget Status

User: "How is my budget this month?"
→ Use scripts/budget_status.py --period month
→ Show all categories with spent/remaining/status

Category Query

User: "What can I still spend on dining?"
→ Use scripts/category_status.py --category dining
→ Show remaining budget for specific category

Handle Overage

User: "I went over on entertainment"
→ Use scripts/overage_analysis.py --category entertainment
→ Show overage amount and suggest recovery options

Generate Report

User: "Show me my spending report"
→ Use scripts/generate_report.py --type weekly
→ Generate detailed spending analysis

Module Reference

For detailed implementation of each module:

Budget Setup: See references/budget-setup.md

Expense Tracking: See references/expense-tracking.md

Alerts & Thresholds: See references/alerts.md

Reports & Analysis: See references/reports.md

Overage Recovery: See references/overage-recovery.md

Scripts Reference

All data operations use scripts in scripts/:

| Script | Purpose | |--------|---------| | set_budget.py | Set or update budget for category | | log_expense.py | Log an expense | | delete_expense.py | Remove/correct an expense | | budget_status.py | Show overall budget health | | category_status.py | Show specific category status | | list_expenses.py | View expense history | | overage_analysis.py | Analyze and suggest recovery for overages | | reallocate_budget.py | Move budget between categories | | generate_report.py | Generate spending reports | | export_data.py | Export budget data (CSV/JSON) |

Default Categories

| Category | Typical Budget | Common Expenses | |----------|---------------|-----------------| | Housing | 25-35% income | Rent, mortgage, insurance | | Food | 10-15% income | Groceries, dining out | | Transport | 10-15% income | Gas, transit, maintenance | | Utilities | 5-10% income | Electric, gas, internet, phone | | Entertainment | 5-10% income | Movies, hobbies, subscriptions | | Health | 5-10% income | Insurance, medical, gym | | Shopping | 5-10% income | Clothing, household items | | Savings | 10-20% income | Emergency fund, investments |

Custom categories can be added as needed.

Disclaimer

This skill provides budget tracking and organization only. It does not provide financial advice, investment recommendations, or tax guidance. For financial planning, consult a qualified financial advisor.

Data Storage Setup

Budget data stored in your local workspace:

memory/budget/budget.json - Monthly budget limits by category

memory/budget/expenses.json - All logged expenses

memory/budget/income.json - Income sources

memory/budget/reports/ - Generated reports and digests

Use provided scripts in scripts/ for all data operations.