Spending Audit

Instructions

Perform a spending audit using the unified SQLite ledger.

Data source

Primary: data/finance.db (SQLite)

Analysis to perform

1. Recurring charges / Subscriptions

-- Find merchants that appear monthly with consistent amounts
SELECT description, 
       ROUND(AVG(amount),2) as avg_amount,
       COUNT(*) as occurrences,
       MIN(date) as first_seen,
       MAX(date) as last_seen
FROM transactions 
WHERE amount > 0 AND amount = 2 
   AND (MAX(date) > date('now', '-60 days'))
ORDER BY avg_amount * 12 DESC;

2. Category spending breakdown

-- Monthly spending by category
SELECT substr(date,1,7) as month,
       SUM(amount) as total_spent,
       COUNT(*) as txn_count
FROM transactions 
WHERE amount > 0
GROUP BY month
ORDER BY month;

3. Dining & delivery analysis

-- Find all dining/delivery/coffee (common national chains + generic patterns)
SELECT date, description, amount 
FROM transactions 
WHERE amount > 0 
  AND (LOWER(description) LIKE '%restaurant%'
    OR LOWER(description) LIKE '%coffee%'
    OR LOWER(description) LIKE '%doordash%'
    OR LOWER(description) LIKE '%uber eats%'
    OR LOWER(description) LIKE '%grubhub%'
    OR LOWER(description) LIKE '%chipotle%'
    OR LOWER(description) LIKE '%starbucks%'
    OR LOWER(description) LIKE '%mcdonald%'
    OR LOWER(description) LIKE '%bar %'
    OR LOWER(description) LIKE '%grill%'
    OR LOWER(description) LIKE '%brewing%'
    OR LOWER(description) LIKE '%tavern%'
    OR LOWER(description) LIKE '%pizza%'
    OR LOWER(description) LIKE '%taqueria%'
    OR LOWER(description) LIKE '%sushi%'
    OR LOWER(description) LIKE '%cafe%'
    OR LOWER(description) LIKE '%pub %'
    OR LOWER(description) LIKE '%bistro%')
ORDER BY date DESC;

Note: This query catches common patterns but will miss local restaurants. Supplement by checking the Plaid category field if available, or look at merchants with amounts in the $8-$80 range that appear on evenings/weekends.

4. High-frequency merchants

SELECT description, COUNT(*) as times, SUM(amount) as total
FROM transactions WHERE amount > 0
GROUP BY description
ORDER BY total DESC LIMIT 30;

Output format

1. Subscriptions to review — list with monthly cost, annual cost, last charge date
2. Category red flags — categories with unusually high spend
3. Quick wins — specific, actionable cuts with estimated monthly savings
4. Dining/delivery score — dining-to-grocery ratio with a recommendation

Be direct and specific. Name exact dollar amounts and merchants.

Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: weklund
• Source: weklund/fiduciary
• License: MIT

Install and usage instructions live in the source repository linked above.