# Control Money

> Run cash, receivables, payables, invoicing, payroll coverage, bookkeeping, close, and margins without QuickBooks. Works from bank/POS CSV exports on day one. Use for any money question.

- Skill: `simongonzalezdc/control-money` (Agent Skill)
- Install (CLI): `npx skillmds@latest add simongonzalezdc/control-money`
- Raw SKILL.md: https://api.skillmd.com/api/skills/simongonzalezdc/control-money/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Data & Analytics
- Author: simongonzalezdc (https://skillmd.com/u/simongonzalezdc)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/simongonzalezdc/control-money

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# 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`

```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)
1. Bank export / OFX (cash truth)
2. POS/processor export (Square, Stripe, Toast)
3. Uploaded CSV/invoices
4. Manual entry (the pack's shoebox intake)
5. 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:
1. Upload/photos of receipts → OCR → categorized
2. Bank CSV → auto-categorized by rules
3. Vague totals ("I think I made about $4K last month") → entered as estimate with low-confidence flag
4. 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.