Skills Library / Household Budget Builder / for Qwen & Kimi

Household Budget Builder — for Qwen & Kimi

This is the Qwen & Kimi version of the Household Budget Builder skill: turn income and expenses into a categorized budget with a savings rule and overrun flags. Qwen and Kimi take skills as a session setup: a standing-instructions block pasted at the start of the session, before any material. Their long context holds the procedure and the material together for the whole session.

The file

STANDING INSTRUCTIONS FOR THIS SESSION - apply them to all material and tasks that follow.

# Household Budget Builder
## Inputs
Take-home income (state the period), known expenses in any form, debts with balances/rates if provided, savings goals.

## Procedure
1. Normalize everything to monthly figures; show each conversion.
2. Categorize: housing, transport, food, utilities, insurance, debt payments, discretionary, savings.
3. Compute: total out, surplus or deficit, savings rate as a percentage.
4. Flag the two largest discretionary categories and any category exceeding common guardrails (housing over 30% of take-home, for example), labeled as a guardrail, not a judgment.

## Deliverable
1. The budget table: Category | Monthly | % of income.
2. The surplus/deficit line with the arithmetic shown.
3. A suggested allocation adjustment IF there is a deficit: the smallest changes that close it, in order.

## Standards
- This is organization and arithmetic, not financial advice - say so in one line at the end.
- Never invent an expense or an income figure.

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Download session-setup.txt

Install

Open a new session
Paste this file first, complete, before any source material
Then provide the material and the task - the instructions govern everything that follows

Other platforms

Claude version ChatGPT version Gemini version Microsoft Copilot version Local Models version

Canonical version and the skill's full description: Household Budget Builder. The underlying procedure is identical on every platform - only the packaging differs, because each model takes its skills its own way.

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