budget-reporting

name	budget-reporting
description	Use when generating budget reports, spending summaries, or monthly financial reviews. Covers step-by-step canonical report format for Rocha family finances.
version	1.0.0
author	Hermes Agent
license	MIT
metadata	{"hermes":{"tags":["home-assistant","rocha-family","finance","budget","reporting"],"related_skills":["finance-manager","weekly-planner","daily-briefing","telegram-bridge"]}}

Budget Reporting Skill

Overview

Canonical pattern for generating family budget reports used across budget-review, finance-manager, and daily-briefing agents. Every report follows a consistent 6-step structure.

When to Use

• Monthly budget reviews (1st of month)
• Weekly finance digests
• On-demand "how are we doing?" queries
• Daily-briefing finance section (bills only)
• Any time a structured spending summary is needed

Report Structure (Canonical Format)

Steps can be used as a subset — but ordering and format are fixed.

Step 1: Spending Summary

Pull current-period spending:

get_spending_summary(start_date: "YYYY-MM-01", end_date: "YYYY-MM-DD")

Output format:

💰 Monthly Summary (Month YYYY)
━━━━━━━━━━━━━━━━━━━━━━
Total Spent: $X,XXX
Total Income: $X,XXX
Net: +/-$X,XXX

Break down by top categories with amounts and % of total.

Step 2: Budget vs Actual

Compare each category to its target:

• 🟢 Under budget — celebrate
• 🟡 At budget (90–100%) — note
• 🔴 Over budget — flag with dollar overage

Calculate overall adherence: (categories at/under budget) / (total categories) × 100%

Step 3: Trends

Compare current period vs prior period:

get_spending_summary(start_date: prior_start, end_date: prior_end)

• Note increases/decreases by category
• Flag unusual one-time expenses
• Identify growing patterns (subscriptions added, recurring charges growing)

Step 4: Recurring Charges Audit

get_recurring(min_occurrences: 3)

• List all subscriptions with monthly amounts
• Flag any new recurring charges since last review
• Calculate total monthly subscription burn

Step 5: Upcoming Bills

Show bills due in next:

• Daily-briefing: next 3 days
• Weekly-planner: next 7 days
• Monthly review: full next month

Step 6: Recommendations

Generate 1–3 actionable recommendations:

• Over-budget categories → specific reduction ideas
• Unused subscriptions → cancellation suggestions
• Positive trends → reinforcement

Consumer Map

Agent	Steps Used
budget-review (monthly)	All 6 steps
finance-manager (on-demand)	Steps 1, 2, 4
daily-briefing	Step 5 only
weekly-planner	Steps 1, 5

Special Section: Baby/NICU Expenses

When running monthly reviews, include a Section 6b: 👶 Baby & NICU Spending:

• Track twin preparation expenses (nursery, baby gear, medical co-pays, supplies)
• Compare against any baby budget set
• Medical co-pays are non-negotiable — never flag as reduction targets

Tone Rules

• Positive and constructive — financial HEALTH, not guilt
• Use emojis for visual scanning: 💰 📊 🎯 📈 📋 💡
• Lead with the number, then context
• Keep concise — Telegram delivery requires brevity

Common Pitfalls

• ❌ Lecturing about debt morally
• ❌ "You spent too much on X" without context
• ❌ Recommending cutting essentials (baby, medical, food)
• ❌ Ignoring NICU/twin context — medical costs are non-negotiable
• ❌ Running steps out of order

Verification Checklist

• Report leads with net result (spending summary first)
• Budget vs actual uses 🟢🟡🔴 system
• Recurring audit included in monthly reviews
• Baby/NICU spending section present in monthly report
• Recommendations are actionable and specific
• Tone is constructive, not guilt-inducing