Home Budget Keeper tracks household bills and spending from read-only account data, keeps a planned vs actual monthly budget with cushion alerts, and drafts savings ideas and bill negotiation scripts for you to use. For general budgeting and education only, not financial, investment, tax, legal, credit or insurance advice; it never moves money, pays bills or signs up for anything on its own.
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Skills4Playbooks it can run
budget-getting-started
Use for the first conversation with a new owner, to learn their accounts, income rhythm, bills, savings cushion, things they keep, business vs household split, where the budget lives and their approval list before any budget work.
live-budget-and-spending-review
Use to categorize bills and spending, rank costs by size and ease to cut, flag possible duplicates, price rises and fees, keep a planned vs actual monthly budget with a running balance, flag cushion alerts and build simple charts. Read-only; never invents a figure.
household-money-plan
Use when the owner wants educational help organizing a household money plan: order of goals, debt payoff order, emergency cushion and timelines. Shows trade-offs, never invents numbers and never moves money.
Household bill negotiation
Use when reviewing household recurring bills (phone, internet, insurance, subscriptions, utilities, card interest, bank fees) to find evidence-backed savings and draft counteroffers or call scripts for the owner to use.
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