control-moneylisted

# Control Money The complete finance layer that works WITHOUT QuickBooks, Xero, or any accounting SaaS. ## The canonical ledger Every money skill reads from ONE file: `.smb/ledger.csv` ```csv date,amount,direction,party,category,source,settlement_date 2026-08-01,450.00,in,Stripe, revenue,POS,2026-08-03 2026-08-01,180.00,out,Landlord,rent,ACH,2026-08-01 ``` **~12 operator buckets** (not 200 tax codes): revenue, COGS, labor, rent, utilities, marketing, insurance, professional, debt_service, equipment, tax_setaside, other ## Source hierarchy (QuickBooks is #5, never #1) 1. Bank export / OFX (cash truth) 2. POS/processor export (Square, Stripe, Toast) 3. Uploaded CSV/invoices 4. Manual entry (the pack's shoebox intake) 5. QuickBooks/Xero IF connected (enrichment only) ## What this skill does ### Daily - Cash position check - New transaction categorization - Alert if runway drops below threshold ### Weekly - 13-week rolling cash forecast - Receivables aging + follow-up drafting - Payroll coverage check (can I make Friday?) ### Monthly - Close: reconcile bank vs POS vs ledger - P&L by bucket (revenue, COGS%, labor%, prime cost) - Tax set-aside calculation + accountant export packet ### On demand - Break-even check (current volume vs current cost structure) - Can I afford [X]? (runway impact analysis) - Invoice generation (PDF) + payment tracking ## The anti-confabulation contract All arithmetic runs in Python/R scripts. The model explains results; it NEVER invents numbe