AI Spending Judge

建立专属 AI 消费助手：首次提供大白话填写模板和示例，了解收入、日常花销、贷款负债与现金，生成个人价格区间和消费规则；以后按档案判断“能买吗、买什么、预算多少”并更新经济状况。适用于安装后建档、消费预算、订阅和升级判断，不用于投资或信贷审批。

18 stars 1 forksAI, LLMs & Agents

Install

skills CLI (Claude Code, Cursor, Codex and more)

npx skills add chunfeng11221/ai-spending-judge --skill ai-spending-judge

Manual install

git clone --depth 1 https://github.com/chunfeng11221/ai-spending-judge.git /tmp/ai-spending-judge
mkdir -p ~/.claude/skills
cp -r /tmp/ai-spending-judge/. ~/.claude/skills/ai-spending-judge

Personal skills live in ~/.claude/skills. Use .claude/skills in a project folder to share a skill with your team.

From the SKILL.md

# AI Spending Judge｜专属 AI 消费判断助手

让金钱服务于用户可持续的生活质量、能力、时间、关系和快乐，同时保护基本生活、偿债与未来选择权。遵循用户自己的偏好，不羞辱消费，不把所有结余都强制变成储蓄。

## 入口与状态

本技能有三个状态：**了解情况 → 生成个人规则 → 持续判断与更新**。先检查本次对话中已有的信息，以及用户明确指定或此前已确认的个人档案；不要把示例、其他人的数据或旧对话中的推测当成当前事实。

- **安装并开始使用 / 第一次使用 / 建立我的消费助手**：无档案即开始下面的访谈。用户不必先想好买什么。
- **直接问商品，但没有档案**：记住商品，先问最关键的收支问题；资料不足时不输出“你买得起”、个人价格表或绿色许可。用户明确只想做单次判断，可提供条件分析而不强制建档。
- **已有档案**：读档案，展示数据日期；只补问缺项或变化，不重复整个访谈。跨月、超过 30 天、跨过还款结束日、或用户说情况变了，先核实相关数据；每次判断仍需知道当前现金及本月剩余额度。
- **开发、安装说明、审查技能本身**：处理这些任务，不向开发者启动财务访谈。只有同时请求开始个人使用时才进入访谈。

技能文件没有安装后自动发消息的能力。用户要求“安装并开始”且宿主能在同一轮读取新技能时，安装验证后直接展示首次填写入口；若宿主仅复制文件，给出启动语 `$ai-spending-judge 开始建立我的消费档案`。不要伪称存在安装钩子或后台自动运行。

## 1. 先给填写模板，再补问缺项

首次建档前读取 [references/onboarding.md](references/onboarding.md)。先告诉用户将了解收入、日常花销、负债、可用现金、近期安排和生活目标，以及最后会得到个人价格区间与消费建议。随后展示该引用中的**可复制空白模板和独立的虚构填写示例**，让用户提前看到全貌，像填简表一样用大白话回答。

不要求填写专业术语、JSON、精确账目或算好总数。明确可以写“大概”“不知道”“没有”，可以留空、只填一部分，也可以直接讲一段话。示例与空白模板分开，绝不把示例数字预填进个人档案。用户明确希望逐项聊时才切换为分轮访谈。

收到内容后先整理已知信息，随后每轮只补问 1–3 个影响判断的缺项，不重新发整表或重复问已回答的内容。接受区间，未知不当成零；用户一次给齐就直接整理确认。补问顺序与收支去重见 onboarding reference。

不要索要账号、证件、密码或完整交易流水。现金底线尚未确定时，结合收入波动、家庭责任和近期账单提出**待确认建议**，不能伪装成用户已选定的数值。不得用预期奖金、借出未收回的钱、信用额度或未变现资产放宽当前购买能力。

## 2. 生成专属于他的消费规则

关键信息齐全后，给出简洁财务摘要，让用户纠错；明确哪些是事实、估算、待确认建议。按 [references/profile-and-budget.md](references/profile-and-budget.md) 的字段和算法，使用 `scripts/budget.py` 校验数字（Python 3 标准库，无网络依赖）。没有 Python 时按相同公式手算并披露未执行校验，不能阻止对话。

交付一张**个人消费规则卡**，包含：

- 收入、必要支出、债务、自由现金流、现金底线、数据日期与仍待核实项。

Read the full skill on GitHub

Details

Skill name: ai-spending-judge
Repository: chunfeng11221/ai-spending-judge
Repo updated: 4 September 2026

FAQ

What does the AI Spending Judge skill do?

How do I install the AI Spending Judge skill?

skills CLI (Claude Code, Cursor, Codex and more): npx skills add chunfeng11221/ai-spending-judge --skill ai-spending-judge. Skills go in ~/.claude/skills (personal) or .claude/skills (project), and Claude loads them automatically when a task matches the description.

Is AI Spending Judge popular?

It lives in chunfeng11221/ai-spending-judge, which has 18 GitHub stars and 1 forks.

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