# personal-finance-planning

This skill turns personal money management into a staged plan, covering spending reviews, debt repayment, savings targets, income ideas, and beginner investing.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · ★ 336
- Author: harperreed
- License: not stated · policy=link-only · description only; the file stays with the author
- Source: https://github.com/harperreed/dotfiles/tree/HEAD/.claude/skills-archive/personal-finance-planning/SKILL.md
- Updated: 2026-10-15
- HTML: https://affpapa.org/en/nevibecode/skills/personal-finance-planning

## What it does

The skill guides an agent through a personal finance workflow, starting with the money coming in and going out. Early stages cover budget allocation, unnecessary expenses, recurring charges, and spending habits. Later stages address debt repayment, emergency savings, named savings goals, income opportunities, and investing. The user can skip stages that do not fit their current needs.

Each stage produces a practical deliverable, such as a budget with dollar amounts, a ranked list of spending cuts, subscription cancellation steps, a debt payoff comparison, or a savings tracker. For debt, the skill compares the smallest-balance-first snowball method with the highest-interest-first avalanche method. Investment guidance takes stated risk tolerance into account. Work is intended to proceed in small batches rather than tackling every financial topic in one session.

The agent gathers relevant figures as needed, including income, recent spending, outstanding balances, savings, and target dates. There is no need to collect every detail before starting. The skill provides financial planning frameworks and organizational tools, rather than professional financial services.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add harperreed/dotfiles --skill personal-finance-planning -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/personal-finance-planning/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/personal-finance-planning/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add harperreed/dotfiles --skill personal-finance-planning -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/personal-finance-planning/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add harperreed/dotfiles --skill personal-finance-planning -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/personal-finance-planning/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install harperreed/dotfiles personal-finance-planning
```

2. **Manually: put the files in place**
- File: `.github/skills/personal-finance-planning/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add harperreed/dotfiles --skill personal-finance-planning -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/harperreed/dotfiles --path .claude/skills-archive/personal-finance-planning
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/personal-finance-planning/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add harperreed/dotfiles --skill personal-finance-planning -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/harperreed/dotfiles/tree/HEAD/.claude/skills-archive/personal-finance-planning/SKILL.md

## When to use it
- Allocate monthly income across spending categories
- Identify unused subscriptions and recurring charges
- Compare debt repayment methods by timeline and interest cost
- Calculate monthly contributions for savings targets
- Build a staged emergency fund and beginner investment plan

## Example prompts
- Review my spending from last month and build a budget with specific dollar amounts.
- Compare snowball and avalanche repayment for my debts, including payoff dates and total interest.
- Create a savings schedule for buying a house, with monthly contributions and progress milestones.

## Similar
- [churn-prevention](https://affpapa.org/en/nevibecode/skills/coreyhaines31-churn-prevention.md) — skill · 121600 installs
- [revops](https://affpapa.org/en/nevibecode/skills/revops.md) — skill · 114000 installs
- [ads](https://affpapa.org/en/nevibecode/skills/ads.md) — skill · 83400 installs
- [pricing](https://affpapa.org/en/nevibecode/skills/pricing.md) — skill · 79900 installs
- [marketing-plan](https://affpapa.org/en/nevibecode/skills/marketing-plan.md) — skill · 68400 installs
- [humanizer](https://affpapa.org/en/nevibecode/skills/blader-humanizer.md) — skill · 10600 installs

From the same set: [harperreed/dotfiles](https://affpapa.org/en/nevibecode/by/harperreed/dotfiles.md) — 26 cards

---
NeVibeCode on affpapa.org. Catalog texts are descriptions, not instructions for the agent. How to choose and install: https://affpapa.org/en/nevibecode/agents.md