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 Nafixhutao/Mind-your-skill --skill personal-finance-ledgergit clone --depth 1 https://github.com/Nafixhutao/Mind-your-skillWrote 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/nafixhutao/mind-your-skill/personal-finance-ledger)<a href="https://agentmods.dev/skills/nafixhutao/mind-your-skill/personal-finance-ledger"><img src="https://agentmods.dev/badge/skills/nafixhutao/mind-your-skill/personal-finance-ledger/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/nafixhutao/mind-your-skill/personal-finance-ledger"><img src="https://agentmods.dev/badge/skills/nafixhutao/mind-your-skill/personal-finance-ledger.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 | $0.00025 | $0.00755 |
| Opus 5 | $0.00013 | $0.00378 |
| Sonnet 5 | $0.00005 | $0.00151 |
| Haiku 4.5 | $0.00003 | $0.00076 |
Grade A, and why
personal-finance-ledger 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 — 99 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Personal Finance Ledger Skill
Use this skill when the user wants to record, inspect, or summarize personal income and expense transactions.
Activate when
- The user gives a money transaction in free text.
- The user uploads or references a receipt, nota, or struk.
- The user asks for balance, income, expense, or category summaries.
- The user wants transaction data saved to Google Sheets.
Do not activate when
- The user asks for investment, tax, legal, or financial advice beyond basic record keeping.
- The user wants business accounting, invoicing, payroll, or tax filing.
- The user asks to delete or overwrite financial data without explicit confirmation.
- No usable Google Sheets authentication is available.
Google auth priority
Use existing Google authentication before asking the user to create anything new.
Preferred order:
- Existing OAuth client flow, such as
google_client_secret.jsonplus a valid OAuth token. - Existing Google Sheets tool authentication provided by the Hermes runtime.
- Existing
GOOGLE_SERVICE_ACCOUNT_JSONservice account credential. - Only if none are available, ask the user to set up Google authentication.
Do not ask for a service account if OAuth credentials already exist and can access Google Sheets.
Spreadsheet setup priority
If Google auth works but FINANCE_SHEET_ID is missing, do not immediately ask the user for a Sheet ID.
Preferred order:
- If the user provided a Google Sheet URL or ID, use it.
- If no Sheet is provided and the runtime can create Google Sheets, offer to create a new spreadsheet named
Personal Finance Ledger. - If the user already said to create it, create it without asking again.
- Create or validate the
Transactionstab and required headers fromreferences/schema.md. - Save or report the new
FINANCE_SHEET_IDfor future runs.
Only ask the user for an existing Sheet ID if the runtime cannot create a spreadsheet.
Reference routing
Read only what is needed:
references/runtime.mdfor daily transaction handling and summaries.references/setup.mdonly during setup or configuration issues.references/schema.mdwhen validating, writing, or reading sheet rows.references/examples.mdonly when examples are requested or behavior is unclear.
What ships with it
5 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
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 · 99 lines · 25 tokens per session scan A 7f111a132f55
personal-finance-ledger is a skill published in the GitHub repository Nafixhutao/Mind-your-skill (2 stars, last pushed 3mo ago), licensed MIT. It adds 25 tokens to every session and 755 once invoked, about $0.0001 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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