finances

# Finances Import CSV bank statements from Wise and Mercado Pago, categorize transactions, generate ledger entries, and reconcile against the journal. ## Key paths - **Journal**: `~/My Drive/ledger/journal.ledger` - **Staging file**: `~/My Drive/ledger/journal-staging.ledger` - **Statements**: `~/My Drive/ledger/statements/{wise,mercadopago}/` - **Categorization guide**: `~/.claude/skills/finances/categorization-guide.md` ## What the user must do manually - **Export CSVs** from Wise and Mercado Pago and place them in the `statements/` subdirectories - **Cash transactions**: these leave no bank record, so the user must enter them manually in `journal.ledger` - **Categorize ambiguous items** (Mercado Libre, Amazon, Mom, one-off vendors) when prompted - **Resolve reconciliation discrepancies** when flagged ## Modes ### `import` (default) Full pipeline: parse CSVs → categorize → staging file → user review → merge → reconcile → commit. ### `reconcile` Compare existing journal entries against bank statements. Flag missing entries and balance discrepancies. Mark matched entries as cleared. ### `update-guide` Analyze recent journal entries and add any new payee→category mappings to the categorization guide. --- ## Import procedure ### Step 1: Check for statements ```bash ls "~/My Drive/ledger/statements/wise/" "~/My Drive/ledger/statements/mercadopago/" 2>/dev/null ``` If no CSVs found, tell the user: - **Wise**: Go to wise.com → Account → Statements → Download CSV -...