simongonzalezdc Control Money
The complete finance layer that works WITHOUT QuickBooks, Xero, or any accounting SaaS.
The canonical ledger
Every money skill reads from ONE file: .smb/ledger.csv
date,amount,direction,party,category,source,settlement_date
2026-08-01,450.00,in,Stripe, revenue,POS,2026-08-03
2026-08-01,180.00,out,Landlord,rent,ACH,2026-08-01
~12 operator buckets (not 200 tax codes): revenue, COGS, labor, rent, utilities, marketing, insurance, professional, debt_service, equipment, tax_setaside, other
Source hierarchy (QuickBooks is #5, never #1)
- Bank export / OFX (cash truth)
- POS/processor export (Square, Stripe, Toast)
- Uploaded CSV/invoices
- Manual entry (the pack's shoebox intake)
- QuickBooks/Xero IF connected (enrichment only)
What this skill does
Daily
- Cash position check
- New transaction categorization
- Alert if runway drops below threshold
Weekly
- 13-week rolling cash forecast
- Receivables aging + follow-up drafting
- Payroll coverage check (can I make Friday?)
Monthly
- Close: reconcile bank vs POS vs ledger
- P&L by bucket (revenue, COGS%, labor%, prime cost)
- Tax set-aside calculation + accountant export packet
On demand
- Break-even check (current volume vs current cost structure)
- Can I afford [X]? (runway impact analysis)
- Invoice generation (PDF) + payment tracking
The anti-confabulation contract
All arithmetic runs in Python/R scripts. The model explains results; it NEVER invents numbers. Every output carries its source. Unsourced = flagged "not verified."
Shoebox intake (day-zero path)
For businesses with no books at all:
- Upload/photos of receipts → OCR → categorized
- Bank CSV → auto-categorized by rules
- Vague totals ("I think I made about $4K last month") → entered as estimate with low-confidence flag
- Progressive cleanup over weeks
Payroll boundary
This skill PREPARES payroll (hours x rates, cash coverage, journal CSV). It does NOT compute withholding or file taxes — that stays with Gusto/ADP/your accountant.