How do I install the Personal Finance skill?

Run npx skillmds add majiayu000/personal-finance in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Personal Finance safe to use?

This skill has not completed SkillMD's automated safety review yet. Capability flags: docs only. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Personal Finance?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Personal Finance free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Personal Finance?

majiayu000 (@majiayu000) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Personal Finance by majiayu000 — Agent Skill

Name: Personal Finance
Rating: 4.666666666666667 (3 reviews)
Author: majiayu000

Personal Finance

Personal finance management with Lunch Money. Use when user mentions finances, budgeting, expense tracking, bank accounts, transactions, monthly finance routine, or financial file organization. Covers file organization, naming conventions, monthly reconciliation, and account setup.

majiayu000 035b291 2 files · 2.5 KB Updated Sep 9, 2026 567 repo stars

File contents

Personal Finance Management

Lunch Money-based finance tracking with organized file storage.

File Organization

iCloud Drive/Finance/
├── 01-Inputs/           # Raw bank downloads (CSV, QFX, PDF statements)
├── 02-LunchMoney/       # Monthly full-exports from LM
└── 03-Documents/        # Receipts >$500 (tax, reimburse, warranty)

Naming Conventions

Bank downloads: YYYY-MM_<bank>_<account>.csv YYYY-MM_<bank>_<account>_statement.pdf

LM exports: YYYY-MM_LM_all.csv

Receipts: YYYY-MM_<merchant>_<amount>.pdf

Monthly Routine

Export from LM: All transactions → 02-LunchMoney/YYYY-MM_LM_all.csv
Download statements: Chase, CapOne, Apple PDFs → 01-Inputs/
Reconcile: Confirm LM balances match statement PDFs
Clean transfers: Mark credit card payments, internal transfers
Categories: Keep ≤35 total, merge similar ones

Connected Accounts

Chase checking/savings (auto-sync)
Capital One cards (auto-sync, 3mo limit - supplement with CSV)
Apple Card/Cash/Savings (iOS helper app)

Receipt Policy

Keep only if: Tax-relevant, reimbursable, warranty, or >$500

Troubleshooting

Duplicate transactions: Check if period was both imported (CSV) and synced (connector) Missing transactions: Use manual CSV import to backfill Balance mismatch: Cross-reference with PDF statement, look for pending transactions

Exit Strategy

To plaintext (if needed):

Use latest YYYY-MM_LM_all.csv as seed data
Raw bank files in 01-Inputs/ provide verification
Transition to Beancount + Fava web interface

---name: personal-financedescription: Personal finance management with Lunch Money. Use when user mentions finances, budgeting, expense tracking, bank accounts, transactions, monthly finance routine, or financial file organization. Covers file organization, naming conventions, monthly reconciliation, and account setup.--- # Personal Finance Management Lunch Money-based finance tracking with organized file storage. ## File Organization ``` iCloud Drive/Finance/ ├── 01-Inputs/ # Raw bank downloads (CSV, QFX, PDF statements) ├── 02-LunchMoney/ # Monthly full-exports from LM └── 03-Documents/ # Receipts >$500 (tax, reimburse, warranty) ``` ## Naming Conventions **Bank downloads:** `YYYY-MM_<bank>_<account>.csv` `YYYY-MM_<bank>_<account>_statement.pdf` **LM exports:** `YYYY-MM_LM_all.csv` **Receipts:** `YYYY-MM_<merchant>_<amount>.pdf` ## Monthly Routine 1. **Export from LM:** All transactions → `02-LunchMoney/YYYY-MM_LM_all.csv` 2. **Download statements:** Chase, CapOne, Apple PDFs → `01-Inputs/` 3. **Reconcile:** Confirm LM balances match statement PDFs 4. **Clean transfers:** Mark credit card payments, internal transfers 5. **Categories:** Keep ≤35 total, merge similar ones ## Connected Accounts - Chase checking/savings (auto-sync) - Capital One cards (auto-sync, 3mo limit - supplement with CSV) - Apple Card/Cash/Savings (iOS helper app) ## Receipt Policy Keep only if: Tax-relevant, reimbursable, warranty, or >$500 ## Troubleshooting **Duplicate transactions:** Check if period was both imported (CSV) and synced (connector) **Missing transactions:** Use manual CSV import to backfill **Balance mismatch:** Cross-reference with PDF statement, look for pending transactions ## Exit Strategy To plaintext (if needed): 1. Use latest `YYYY-MM_LM_all.csv` as seed data 2. Raw bank files in `01-Inputs/` provide verification 3. Transition to Beancount + Fava web interface

Frequently asked questions