# Spending Audit

> >

- **Type:** Skill
- **Install:** `agentstack add skill-weklund-fiduciary-spending-audit`
- **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior
- **Seller:** [weklund](https://agentstack.voostack.com/s/weklund)
- **Installs:** 0
- **Category:** [Databases](https://agentstack.voostack.com/c/databases)
- **Latest version:** 0.1.0
- **License:** MIT
- **Upstream author:** [weklund](https://github.com/weklund)
- **Source:** https://github.com/weklund/fiduciary/tree/main/.claude/skills/spending-audit

## Install

```sh
agentstack add skill-weklund-fiduciary-spending-audit
```

Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent.

## About

## Instructions

Perform a spending audit using the unified SQLite ledger.

### Data source

Primary: `data/finance.db` (SQLite)

### Analysis to perform

#### 1. Recurring charges / Subscriptions
```sql
-- 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
```sql
-- 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
```sql
-- 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
```sql
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](https://github.com/weklund)
- **Source:** [weklund/fiduciary](https://github.com/weklund/fiduciary)
- **License:** MIT

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

## Pricing

- **Free** — Free

## Security capabilities

Automated source analysis of v0.1.0 — what this tool can access:

- **Network access:** no
- **Filesystem access:** no
- **Shell / process execution:** no
- **Environment & secrets:** no
- **Dynamic code execution:** no

*"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.*


## Versions

- **0.1.0** — security scan: passed — Imported from the upstream source.

## Links

- Listing page: https://agentstack.voostack.com/l/skill-weklund-fiduciary-spending-audit
- Seller: https://agentstack.voostack.com/s/weklund
- Browse the marketplace: https://agentstack.voostack.com/browse

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Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.