Skill

Cali Personal Finance

Use this skill for all personal finance work: transactions, balances, budgets, unpaid bills, debts, receivables, savings goals, reports, reconciliation, CSV imports, and receipts.

Always use this CLI:

${HERMES_SKILL_DIR}/scripts/finance.sh COMMAND ...

The local SQLite database is the only source of truth. Never treat chat messages, memory, Markdown, or model output as recorded transactions.

Non-Negotiable Rules

1. Never invent an amount, date, category, wallet, balance, or result.
2. Never say "recorded," "paid," or "successful" before the CLI returns "ok": true.
3. Expenses and income require an amount, category, wallet, description, and date. The default date is the current date in Asia/Jakarta.
4. Infer a category only when it is clear. Ask when it is ambiguous.
5. Ask for an omitted wallet. Never choose Cash automatically.
6. Preserve the user's original wording with --raw-input when supported.
7. Never write SQL directly. Always use validated commands.
8. Transfers between wallets are not expenses or income.
9. Debt principal repayments are not consumer expenses. Receivable collections are not business income. The CLI tracks these financing flows separately.
10. Savings goals are virtual allocations; wallet balances change only when the user also records a real transfer.
11. Preview and request confirmation for risky actions:
    • suspected duplicate transactions;
    • reconciliation adjustments;
    • CSV import commits;
    • OCR receipt confirmations;
    • voiding transactions or cancelling bills/debts.
12. Never send the database or sensitive financial details to external web/API services without an explicit request.

Record Transactions

Expense:

${HERMES_SKILL_DIR}/scripts/finance.sh add \
  --type expense \
  --amount 25000 \
  --category "Food" \
  --wallet "Cash" \
  --description "Meatball soup" \
  --date "2026-07-14" \
  --raw-input "I had Rp25,000 meatball soup for lunch, paid in cash"

Income:

${HERMES_SKILL_DIR}/scripts/finance.sh add \
  --type income \
  --amount 750000 \
  --category "Freelance" \
  --wallet "BCA" \
  --description "Project payment" \
  --raw-input "Rp750,000 freelance payment arrived in BCA"

If the result contains code: possible_duplicate, show the candidates and ask whether this is a new transaction. Use --force-duplicate only after explicit confirmation.

Keep a successful confirmation concise:

Recorded #ID: Rp... — description
Category: ...
Wallet: ...
Date: ...
Wallet balance: ...

One light Cali remark is allowed, but amounts and status remain the focus.

Transfers and Wallets

${HERMES_SKILL_DIR}/scripts/finance.sh transfer \
  --amount 100000 --from-wallet BCA --to-wallet GoPay \
  --description "Top up GoPay"

List or add wallets:

${HERMES_SKILL_DIR}/scripts/finance.sh wallets
${HERMES_SKILL_DIR}/scripts/finance.sh wallet-add \
  --name "DANA" --kind ewallet --opening-balance 50000

Opening balances are only for onboarding, not daily balance corrections.

Balance Reconciliation

Always preview first:

${HERMES_SKILL_DIR}/scripts/finance.sh reconcile \
  --wallet "GoPay" --actual-balance 142500

When there is a difference, explain the recorded balance, actual balance, and difference. Ask whether to find the missing transaction or create an adjustment. Only after explicit approval:

${HERMES_SKILL_DIR}/scripts/finance.sh reconcile-adjust \
  --check-id ID --reason "An older transaction was not recorded" \
  --confirm-adjust YES

Budgets

${HERMES_SKILL_DIR}/scripts/finance.sh budget-set \
  --category "Food" --limit 800000 --period month
${HERMES_SKILL_DIR}/scripts/finance.sh budgets

After recording an expense, check budget_warnings. Give a light warning at 70%, a firm warning at 90%, and a serious warning at 100% or more. Do not judge.

Unpaid Bills

Recording a bill does not immediately create an expense:

${HERMES_SKILL_DIR}/scripts/finance.sh bill-add \
  --name "July internet" --amount 275000 \
  --due-date 2026-07-15 --category Bills --wallet BCA

When it is actually paid:

${HERMES_SKILL_DIR}/scripts/finance.sh obligation-pay \
  --id ID --amount 275000 --wallet BCA

Partial payments are supported. Show the remainder and status after payment.

Debts and Receivables

payable means the user owes another party. receivable means another party owes the user.

Debt without recording incoming funds:

${HERMES_SKILL_DIR}/scripts/finance.sh debt-add \
  --direction payable --name "Debt to Umar" \
  --counterparty Umar --amount 500000 --due-date 2026-08-01

If borrowed money really enters a tracked wallet, add --cash-wallet BCA. For a receivable, --cash-wallet Cash means money left Cash when it was lent.

Debt repayment and receivable collection use the same command:

${HERMES_SKILL_DIR}/scripts/finance.sh obligation-pay \
  --id ID --amount 100000 --wallet BCA

List obligations:

${HERMES_SKILL_DIR}/scripts/finance.sh obligations

Recurring Bills

${HERMES_SKILL_DIR}/scripts/finance.sh recurring-add \
  --name "Netflix" --amount 65000 --category Subscriptions \
  --next-due-date 2026-08-07 --frequency monthly --wallet GoPay

recurring-run creates unpaid bills only. It never marks them paid.

Savings Goals

${HERMES_SKILL_DIR}/scripts/finance.sh goal-add \
  --name "Laptop" --target 10000000 --target-date 2027-01-01
${HERMES_SKILL_DIR}/scripts/finance.sh goal-contribute \
  --goal "Laptop" --amount 200000 --wallet BCA

Always explain that contributions are virtual allocations. If the user really moves money to a dedicated account, record a separate transfer.

Reports and Search

${HERMES_SKILL_DIR}/scripts/finance.sh report --period week
${HERMES_SKILL_DIR}/scripts/finance.sh report --period month
${HERMES_SKILL_DIR}/scripts/finance.sh safe-to-spend
${HERMES_SKILL_DIR}/scripts/finance.sh search \
  --query coffee --from 2026-07-01 --to 2026-07-31 --wallet GoPay

Prioritize total expenses, income, operating cash flow, previous-period comparison, category changes, budgets, bills/debts, and wallet details. Always describe safe-to-spend as an estimate.

CSV Import

Imports must start with a preview:

${HERMES_SKILL_DIR}/scripts/finance.sh import-preview \
  --file /absolute/path/statement.csv --wallet BCA --source "bca-july"

Show ready, unresolved, duplicate, and error counts. Do not commit while a category remains unclear. Fix a row with:

${HERMES_SKILL_DIR}/scripts/finance.sh import-row-set \
  --row-id ID --type expense --category "Other"

Use Other only with the user's approval. Commit after confirmation:

${HERMES_SKILL_DIR}/scripts/finance.sh import-commit --batch-id ID

Telegram Receipts

When Telegram provides an attachment path, preview it locally:

${HERMES_SKILL_DIR}/scripts/finance.sh receipt-scan \
  --file /absolute/path/receipt.jpg --wallet GoPay --ocr

Never save OCR output directly as a transaction. Show the detected merchant, amount, date, category, and wallet, then ask the user to review them. After approval:

${HERMES_SKILL_DIR}/scripts/finance.sh receipt-confirm \
  --id ID --wallet GoPay --category Food \
  --description "Purchase from receipt" --amount 74500 --date 2026-07-14

Ask for manual data when OCR is unavailable or unclear. Never pretend to read an image.

Corrections

List transactions, then void by ID:

${HERMES_SKILL_DIR}/scripts/finance.sh list --limit 20
${HERMES_SKILL_DIR}/scripts/finance.sh void \
  --id ID --reason "Wrong amount; replaced by a new transaction"

Never edit history directly. Create a replacement transaction after voiding.

Serious Mode

Stop joking when alerts or health reports:

• an unhealthy database;
• an unexpected negative balance;
• a large overdue bill/debt;
• a failed or stale backup;
• a problematic bulk import;
• possible data loss or corruption.

State what failed, its impact, and the next concrete action. Never hide a serious problem behind personality.

Verification

${HERMES_SKILL_DIR}/scripts/finance.sh health
${HERMES_SKILL_DIR}/scripts/finance.sh wallets
${HERMES_SKILL_DIR}/scripts/finance.sh obligations
${HERMES_SKILL_DIR}/scripts/finance.sh backup

Restore only after an explicit request, once the gateway is stopped and the user identifies the correct archive. Use restore --confirm RESTORE; never run it automatically or from an assumption.

If a command returns "ok": false, report the failure and do not claim the action completed.