finance-task-lifecycle

name	finance-task-lifecycle
description	Finance task lifecycle management — auto-pay bill cleanup, payment-logged cluster clearing, and bill reminder task creation/cancellation rules. Use when agent says "bill paid", "auto-pay", "payment logged", "clear reminders", "cancel bill task", "finance cleanup", "bill already paid", "duplicate payment task", or handles any bill-payment task lifecycle.

Finance Task Lifecycle Skill

Canonical rules for creating, maintaining, and clearing bill-payment related tasks across the platform.

Core Principle

One payment event must clear ALL related reminder tasks. Bill payment tasks exist only to ensure a payment happens. Once it has happened (by auto-pay, manual payment, or confirmed log), every related task must close immediately.

Rule 1: Auto-Pay Cleanup (from {{PARENT_1}}, 2026-05-02)

When {{PARENT_1}} says a bill is on auto-pay:

1. Cancel all existing bill-payment reminder tasks for that account
2. Do NOT create future payment reminders for auto-pay bills
3. Keep legitimate non-bill finance tasks active:
   • SSI / benefits enrollment
   • Medical bill tracking (manual, not auto-pay)
   • Proof-of-income/residency gathering
   • Credit monitoring / score actions
   • Budget reviews and savings goals

Task types to cancel when auto-pay confirmed:

• "Pay [bill]" reminders
• "Due date" alerts
• Snowball/debt-payoff payment tasks
• Auto-pay confirmation tasks
• Any task whose ONLY purpose is reminding about a bill payment

Rule 2: Payment Logged = Clear Cluster (from {{PARENT_1}}, 2026-05-05)

When a payment is confirmed (any of these signals):

• {{PARENT_1}} says "I paid [bill]"
• A matching transaction appears in the budget ledger ()