Core Behavior
- User mentions spending money → offer to log expense
- Different contexts need different tracking → adapt to their use case
- Surface patterns when asked → where is money going?
- Create
~/expenses/ as workspace
Use Case Discovery
Ask how they'll use expense tracking:
- Personal spending: "where does my money go?"
- Shared costs: roommates, couples, group trips
- Business/freelance: billable expenses, tax deductions
- Work reimbursement: expenses to claim from employer
- Project budget: renovation, wedding, specific goal
- Travel: trip-specific spending
Expense Entry Basics
- Amount and currency
- Date
- What: brief description
- Category: food, transport, entertainment, etc.
- Payment method: cash, card, account (optional)
- Receipt photo if needed
Personal Spending
Track to understand patterns:
- Categories that matter to you
- Weekly/monthly totals by category
- Trends over time: spending more on dining out?
- No judgment — awareness is the goal
Shared Expenses
Track who paid, who owes:
- Expense + who paid + split between whom
- Running balance: who owes whom how much
- Settle up periodically: "I owe you €45"
- Handle unequal splits: 60/40, by item
Business Expenses
Track for billing or taxes:
- Client/project attribution
- Billable vs non-billable
- Receipt storage critical — link or embed
- Category for tax deduction type
- Mileage if applicable
Work Reimbursement
Track what employer owes you:
- Status: pending, submitted, reimbursed
- Submission date
- Receipt attached
- Reimbursement received date
- Monthly report generation
Project Budget
Track spending against a budget:
- Project: kitchen renovation, wedding, vacation
- Budget amount set upfront
- Running total vs budget: "€3,400 of €10,000 spent"
- Category breakdown within project
- Flag when approaching limit
Travel Expenses
Trip-specific tracking:
- All expenses tagged to trip
- Daily spending if relevant
- By category: lodging, food, activities, transport
- Currency conversion if international
- Per-person if group travel
- Post-trip summary
File Structure
~/expenses/
├── daily/
│ └── 2024-03.md
├── shared/
│ └── roommates.md
├── business/
│ └── 2024-q1.md
├── trips/
│ └── japan-2024.md
├── projects/
│ └── kitchen-reno.md
└── categories.md
Category System
- Keep categories broad: 10-15 max
- Common: food, transport, housing, utilities, entertainment, health, shopping
- Customize to what matters: "coffee" separate if tracking that
- Consistent naming — "restaurants" not sometimes "dining"
Entry Formats
Quick daily: "€45 groceries"
Detailed: amount, date, category, description, receipt
Shared: amount, paid by, split between, category
Business: amount, client, category, receipt, billable
What To Surface
- "You've spent €X this month on dining"
- "Coffee spending up 40% vs last month"
- "John owes you €89 from shared expenses"
- "Kitchen project: €2,100 remaining in budget"
- "€450 in unreimbursed work expenses"
Progressive Enhancement
- Week 1: log expenses as they happen
- Week 2: add categories, see patterns
- Month 2: compare months, spot trends
- Ongoing: adjust categories to what's useful
Receipt Management
- Photo immediately — paper receipts fade
- Link to expense entry
- Store in expense folder or dedicated receipts folder
- Filename: date-vendor-amount.jpg
- Business expenses: retention period awareness
Reporting
- Monthly summary by category
- Trend comparison: this month vs last
- Shared: balance summary, settlement suggestion
- Business: quarterly for taxes
- Project: spend vs budget status
What NOT To Suggest
- Complex budgeting before spending is tracked
- Linking bank accounts — manual has value
- Obsessive categorization — broad categories work
- Guilt about spending — data, not judgment
Multi-Currency
- Log in currency spent
- Note exchange rate if tracking
- Convert for totals if needed
- Travel especially: mixed currencies normal
Integration Points
- Budget: expenses feed into budget tracking
- Invoices: billable expenses to clients
- Taxes: business expense categories
- Trips: travel-specific tracking
1---2name: expenses3description: Build a personal expense tracking system for daily spending, shared costs, business expenses, and project budgets.4---5
6## Core Behavior
7- User mentions spending money → offer to log expense
8- Different contexts need different tracking → adapt to their use case
9- Surface patterns when asked → where is money going?
10- Create `~/expenses/` as workspace
11
12## Use Case Discovery
13Ask how they'll use expense tracking:
14- Personal spending: "where does my money go?"
15- Shared costs: roommates, couples, group trips
16- Business/freelance: billable expenses, tax deductions
17- Work reimbursement: expenses to claim from employer
18- Project budget: renovation, wedding, specific goal
19- Travel: trip-specific spending
20
21## Expense Entry Basics
22- Amount and currency
23- Date
24- What: brief description
25- Category: food, transport, entertainment, etc.
26- Payment method: cash, card, account (optional)
27- Receipt photo if needed
28
29## Personal Spending
30Track to understand patterns:
31- Categories that matter to you
32- Weekly/monthly totals by category
33- Trends over time: spending more on dining out?
34- No judgment — awareness is the goal
35
36## Shared Expenses
37Track who paid, who owes:
38- Expense + who paid + split between whom
39- Running balance: who owes whom how much
40- Settle up periodically: "I owe you €45"
41- Handle unequal splits: 60/40, by item
42
43## Business Expenses
44Track for billing or taxes:
45- Client/project attribution
46- Billable vs non-billable
47- Receipt storage critical — link or embed
48- Category for tax deduction type
49- Mileage if applicable
50
51## Work Reimbursement
52Track what employer owes you:
53- Status: pending, submitted, reimbursed
54- Submission date
55- Receipt attached
56- Reimbursement received date
57- Monthly report generation
58
59## Project Budget
60Track spending against a budget:
61- Project: kitchen renovation, wedding, vacation
62- Budget amount set upfront
63- Running total vs budget: "€3,400 of €10,000 spent"
64- Category breakdown within project
65- Flag when approaching limit
66
67## Travel Expenses
68Trip-specific tracking:
69- All expenses tagged to trip
70- Daily spending if relevant
71- By category: lodging, food, activities, transport
72- Currency conversion if international
73- Per-person if group travel
74- Post-trip summary
75
76## File Structure
77```
78~/expenses/
79├── daily/
80│ └── 2024-03.md
81├── shared/
82│ └── roommates.md
83├── business/
84│ └── 2024-q1.md
85├── trips/
86│ └── japan-2024.md
87├── projects/
88│ └── kitchen-reno.md
89└── categories.md
90```
91
92## Category System
93- Keep categories broad: 10-15 max
94- Common: food, transport, housing, utilities, entertainment, health, shopping
95- Customize to what matters: "coffee" separate if tracking that
96- Consistent naming — "restaurants" not sometimes "dining"
97
98## Entry Formats
99Quick daily: "€45 groceries"
100Detailed: amount, date, category, description, receipt
101Shared: amount, paid by, split between, category
102Business: amount, client, category, receipt, billable
103
104## What To Surface
105- "You've spent €X this month on dining"
106- "Coffee spending up 40% vs last month"
107- "John owes you €89 from shared expenses"
108- "Kitchen project: €2,100 remaining in budget"
109- "€450 in unreimbursed work expenses"
110
111## Progressive Enhancement
112- Week 1: log expenses as they happen
113- Week 2: add categories, see patterns
114- Month 2: compare months, spot trends
115- Ongoing: adjust categories to what's useful
116
117## Receipt Management
118- Photo immediately — paper receipts fade
119- Link to expense entry
120- Store in expense folder or dedicated receipts folder
121- Filename: date-vendor-amount.jpg
122- Business expenses: retention period awareness
123
124## Reporting
125- Monthly summary by category
126- Trend comparison: this month vs last
127- Shared: balance summary, settlement suggestion
128- Business: quarterly for taxes
129- Project: spend vs budget status
130
131## What NOT To Suggest
132- Complex budgeting before spending is tracked
133- Linking bank accounts — manual has value
134- Obsessive categorization — broad categories work
135- Guilt about spending — data, not judgment
136
137## Multi-Currency
138- Log in currency spent
139- Note exchange rate if tracking
140- Convert for totals if needed
141- Travel especially: mixed currencies normal
142
143## Integration Points
144- Budget: expenses feed into budget tracking
145- Invoices: billable expenses to clients
146- Taxes: business expense categories
147- Trips: travel-specific tracking