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 categorymemory/budget/expenses.json- All logged expensesmemory/budget/income.json- Income sourcesmemory/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.