From thinking-frameworks-skills
Analyzes spending categories: computes current-period spend, 6-month rolling average, YoY delta, budget variance; flags outliers (>1.5x avg or >130% budget); ranks growth/shrink/flat; lists top driver transactions.
npx claudepluginhub lyndonkl/claude --plugin thinking-frameworks-skillsThis skill uses the workspace's default tool permissions.
- [Overview](#overview)
Generates design tokens/docs from CSS/Tailwind/styled-components codebases, audits visual consistency across 10 dimensions, detects AI slop in UI.
Records polished WebM UI demo videos of web apps using Playwright with cursor overlay, natural pacing, and three-phase scripting. Activates for demo, walkthrough, screen recording, or tutorial requests.
Delivers idiomatic Kotlin patterns for null safety, immutability, sealed classes, coroutines, Flows, extensions, DSL builders, and Gradle DSL. Use when writing, reviewing, refactoring, or designing Kotlin code.
The point of categorizing transactions is to see, every month, what changed. This skill computes the comparative numbers — current vs. rolling, current vs. budget, current vs. same-month-last-year — for every category, identifies outliers, and surfaces the transactions that drive them. It refuses to flag noise: small categories below a materiality floor are excluded.
The caller provides:
transactions — at least 13 months of categorized transactions.budget — budget.json with target per category.period_start, period_end — the current period (typically a calendar month).materiality_floor_cents — default 5000 ($50). Categories with current spend below this are summarized but not flagged.outlier_thresholds — defaults: { rolling_multiple: 1.5, budget_pct: 130 }.Trend Analysis Progress:
- [ ] Step 1: Roll up transactions by category for the current period
- [ ] Step 2: Roll up the prior 6 calendar months by category
- [ ] Step 3: Roll up the same-month-last-year by category
- [ ] Step 4: Compute deltas and percent changes
- [ ] Step 5: Apply outlier rules
- [ ] Step 6: Identify driver transactions for each outlier
- [ ] Step 7: Emit ranked list and totals
For each category and category.subcategory, sum spend (negative amount_cents) over [period_start, period_end]. Exclude:
income.*savings_investment.*financial.transfers_internalThese are not spending. They're tracked separately for the cash-flow and savings views.
For each category, sum spend in each of the prior 6 calendar months, then take the mean. Use calendar month anchoring, not trailing 180 days, so a "monthly" comparison matches user intuition.
If fewer than 3 prior months exist, mark rolling_avg_confidence: low and only flag outliers above the budget threshold (skip the rolling-multiple test).
Sum the same calendar month, one year prior. If absent (less than a year of data), set yoy_delta_cents: null.
| Metric | Formula |
|---|---|
vs_rolling_pct | (current − rolling_avg) / rolling_avg × 100 |
vs_budget_pct | current / budget × 100 (only if budget exists) |
vs_yoy_pct | (current − yoy) / yoy × 100 |
A category is an outlier when any of:
vs_rolling_pct ≥ (rolling_multiple − 1) × 100 (default ≥ 50% above 6-month average) AND current_cents ≥ materiality_floor_cents.vs_budget_pct ≥ budget_pct (default ≥ 130% of budget) AND budget exists.current_cents ≥ 2 × rolling_avg_cents AND current_cents ≥ materiality_floor_cents → severity high (real-time alert per the spending-analyst spec).Each outlier carries:
severity — high (≥ 2× rolling), medium (≥ 1.5× rolling or ≥ 130% budget), low (above materiality but inside thresholds — surfaced for context only).reason — which rule fired.For each outlier, identify the top 3–5 transactions ranked by absolute amount, descending. These are the "what drove the outlier" lines for the briefing.
If a single transaction explains > 60% of the outlier, mark it single_driver: true so the analyst can phrase the explanation correctly ("you spent $850 at IKEA — one trip — vs. average of $120 in home maintenance").
Rank outliers by dollar_impact_cents = |current_cents − rolling_avg_cents|. Largest dollar movers first; small-percentage-large-dollar matters more than large-percentage-small-dollar.
Concrete examples:
| Current | Rolling 6mo avg | Budget | Outcome |
|---|---|---|---|
| $1,200 groceries | $850 | $900 | medium — 1.41× rolling, 133% of budget |
| $3,400 travel | $300 | $400 | high — 11.3× rolling, but materiality satisfied |
| $42 hobbies | $20 | $30 | not flagged (below materiality $50) |
| $850 home maintenance | $120 | $150 | high — 7.1× rolling, single-driver IKEA trip |
| $1,800 restaurants | $1,200 | — | medium — 1.5× rolling, no budget set |
| $3,200 utilities (Aug) | $2,100 | $2,400 | medium — heat wave, 1.5× rolling, 133% of budget; YoY +5% so seasonal not lifestyle |
{
"period": { "start": "2026-04-01", "end": "2026-04-30" },
"totals": {
"spend_cents": 624800,
"spend_cents_vs_rolling": 78400,
"spend_cents_vs_budget": -25200,
"categories_above_floor": 18,
"outliers_count": 3
},
"categories": [
{
"category": "food",
"subcategory": "groceries",
"current_cents": 102000,
"rolling_avg_cents": 85000,
"yoy_cents": 92000,
"budget_cents": 90000,
"vs_rolling_pct": 20.0,
"vs_budget_pct": 113.3,
"vs_yoy_pct": 10.9,
"severity": "low",
"outlier": false
},
{
"category": "travel",
"subcategory": null,
"current_cents": 340000,
"rolling_avg_cents": 30000,
"yoy_cents": 18000,
"budget_cents": 40000,
"vs_rolling_pct": 1033.3,
"vs_budget_pct": 850.0,
"vs_yoy_pct": 1788.9,
"severity": "high",
"outlier": true,
"reasons": ["above_rolling_multiple_2x", "above_budget_threshold"],
"drivers": [
{ "tx_id": "tx_20260408_002", "amount_cents": -312000,
"merchant": "Delta Air Lines", "single_driver": true,
"share_of_outlier_pct": 91.8 }
]
}
],
"rankings": {
"biggest_growers": ["travel", "home_maintenance", "restaurants"],
"biggest_shrinkers": ["entertainment", "transportation.gas"]
}
}
auto_insurance, property_tax, home_insurance) routinely trigger 10×+ outliers in their billing month. Skip flagging when the spike matches the merchant's annual cadence in recurring.json. Use the seasonal-calendar sub-signal from the spending-analyst agent.