spending-alerts

name	spending-alerts
description	Monitor transactions for large charges, low balances, and unusual activity
trigger	manual

Spending Alerts

Check for alert conditions after each sync. Report if any trigger.

Prerequisites

Check that data/foliome.db exists. If not, respond: "No financial data found. Run /sync first to populate your accounts."

Alert Conditions

Large transaction: Any single transaction over $500 (configurable)

SELECT date, description, ABS(amount) as amount, institution, user_category
FROM transactions
WHERE ABS(amount) > 500
AND date >= date('now', '-1 day')
AND amount < 0

Low balance: Checking account drops below $1,000

SELECT b.account_name, b.balance FROM balances b
INNER JOIN (SELECT account_id, MAX(synced_at) as ms FROM balances GROUP BY account_id) m
ON b.account_id = m.account_id AND b.synced_at = m.ms
WHERE b.account_type = 'checking' AND b.balance < 1000

Unusual spending: Daily spend exceeds 3x the 30-day average

WITH daily AS (
  SELECT date, SUM(ABS(amount)) as day_total
  FROM transactions WHERE amount < 0
  GROUP BY date
),
avg30 AS (
  SELECT AVG(day_total) as avg_daily FROM daily
  WHERE date >= date('now', '-30 days')
)
SELECT d.date, d.day_total, a.avg_daily
FROM daily d, avg30 a
WHERE d.date = date('now') AND d.day_total > a.avg_daily * 3

Sync failure: Any institution failed to sync

SELECT institution, status, last_error, last_attempt
FROM sync_status WHERE status = 'failed'

Stale data: Any institution not synced in 48+ hours

SELECT institution, last_success
FROM sync_status
WHERE last_success < datetime('now', '-48 hours')

When to Run

After each sync-all.js --import completes. The Telegram agent should check these conditions and proactively message if any trigger.

User Configuration

Users can set thresholds via Telegram:

• "Alert me on transactions over $1,000" → update large transaction threshold
• "Warn me if checking drops below $2,000" → update low balance threshold

Store thresholds in config/alert-config.json.