Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add auzroz/ynab-mcp --skill ynab-overspending-triagegit clone --depth 1 https://github.com/auzroz/ynab-mcpWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-overspending-triage)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-overspending-triage"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-overspending-triage/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-overspending-triage"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-overspending-triage.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00085 | $0.00661 |
| Opus 5 | $0.00043 | $0.00331 |
| Sonnet 5 | $0.00017 | $0.00132 |
| Haiku 4.5 | $0.00009 | $0.00066 |
Grade A, and why
ynab-overspending-triage scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 85 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB Overspending Triage
What this does
Implements YNAB's third rule — Roll With the Punches — by finding currently overspent categories and proposing specific moves from categories that have slack, plus surfacing discretionary cuts if slack alone isn't enough.
When to use this skill
- "Find places I'm overspending"
- "Where did I overspend?"
- "Help me fix overspending"
- "Roll with the punches"
- "Where can I find extra money?"
- "Help me cut back this month"
Should NOT trigger on: computing true-expense monthly contributions (use
ynab-true-expenses), or the initial "assign new money" pass (use
ynab-assign-money) — this skill is remediation of overspending, not
allocation of unassigned money.
Workflow
Step 1: Find overspent categories
Call MCP tool: ynab_overspending_alerts
Parameters: threshold (optional, minimum $ to report)
Step 2: Get variance context
Call MCP tool: ynab_budget_vs_actuals
Parameters: none
Step 3: Find categories with slack
Call MCP tool: ynab_category_balances
Parameters: filter: "positive"
Step 4: Find cut opportunities
Call MCP tool: ynab_savings_opportunities
Parameters: months: 3
Step 5: Identify the specific merchants driving overspending
Call MCP tool: ynab_spending_by_payee
Parameters: none
Output format
Overspent now: [category: -$amount, days until it resets]
Candidates to pull from (positive balance, low priority): [category: $available]
Suggested moves: move $X from [A] → [B]
Cut opportunities (subscriptions/high-variance/one-offs): [list w/ $ impact]
Troubleshooting
MCP connection failed — confirm the ynab-mcp server is connected.
Unauthorized / token expired — the YNAB connection needs re-authorization.
No categories with slack found — if every category is tight, say so plainly and pivot to the cut-opportunities list rather than forcing a category-to-category move that doesn't exist.
When the skill is NOT the right tool
- Planning for a known future irregular cost — use
ynab-true-expenses. - The initial monthly allocation of unassigned funds — use
ynab-assign-money.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 85 lines · 85 tokens per session scan A 778432b5ea90
ynab-overspending-triage is a skill published in the GitHub repository auzroz/ynab-mcp (3 stars, last pushed 2mo ago), licensed MIT. It adds 85 tokens to every session and 661 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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