spending-behavior

Audit personal finance and budgeting app spending intelligence features. Use when you need to evaluate transaction categorization accuracy (MCC mapping, ML classification, merchant matching), budget adherence tracking and alerts, behavioral nudge effectiveness and fatigue, savings goal automation (round-ups, found money), subscription detection and cancellation workflows, financial health scoring models, bank aggregation pipeline quality (Plaid, Yodlee, MX), or variable income budget handling. Covers spending categorization edge cases like transfers, refunds, and P2P payments. It's a reusable SKILL.md instruction set that loads into your AI coding assistant on demand, no prompt engineering, no copy-pasting every session.

Run `npx @skills-hub-ai/cli install spending-behavior` from your terminal. The CLI writes the SKILL.md to the correct location for your AI tool (e.g. ~/.claude/skills/spending-behavior/ for Claude Code or ~/.cursor/skills/ for Cursor with --target cursor) and adds it to your project's .skills.json lockfile.

spending-behavior runs in Claude Code. It follows the open Agent Skills standard (SKILL.md), so the same skill works in every supported tool without modification.

Yes. Every skill on skills-hub.ai is free and open-source. There are no premium tiers, paywalls, or usage limits. You only pay for whatever AI assistant you're already using.

In Claude Code, type `/spending-behavior` (or whatever slash command the skill registers) and the AI follows the skill's instructions immediately. You can also reference it by name in natural language, your AI loads the skill into context when relevant.

Yes. Commit your project's .skills.json lockfile and teammates run `npx @skills-hub-ai/cli install` (no args) to install every skill at the exact version you pinned. Organization-scoped installs work via skills-hub.ai organizations.