# Reports & Analysis ## Purpose Generate comprehensive spending reports and financial insights. ## Report Types ### 1. Quick Status Check ```bash python scripts/budget_status.py ``` One-line summary of overall budget health. ### 2. Category Deep Dive ```bash python scripts/category_status.py --category food ``` Detailed analysis of specific category. ### 3. Weekly Report ```bash python scripts/generate_report.py --type weekly ``` Spending patterns over past 7 days. ### 4. Monthly Report ```bash python scripts/generate_report.py --type monthly ``` Complete month analysis with trends. ### 5. Custom Date Range ```bash python scripts/generate_report.py \ --start "2024-01-01" \ --end "2024-03-31" \ --type quarterly ``` ## Output Formats ### Quick Status ``` ๐Ÿ’ฐ BUDGET STATUS - March 2024 โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Overall: 78% of budget used ($3,900/$5,000) Status: โœ… ON TRACK AT RISK: โš ๏ธ Food: $420/$500 (84%) โš ๏ธ Entertainment: $170/$200 (85%) OVERRUN: ๐Ÿšจ Shopping: $275/$250 (110%) UNDERSPENT (reallocate opportunities): โœ… Transport: $90/$200 (45%) โœ… Utilities: $75/$250 (30%) Days remaining: 12 Daily budget remaining: $75/day ``` ### Weekly Report ``` WEEKLY SPENDING REPORT February 25 - March 2, 2024 โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” SUMMARY โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Total Spent: $680 Budget Pace: Normal (on track for $2,720 month) SPENDING BY CATEGORY โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Food $240 โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆ 35% Housing $200 โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆ 29% Transport $85 โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆ 13% Entertainment $100 โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆ 15% Shopping $55 โ–ˆโ–ˆโ–ˆโ–ˆ 8% DAILY BREAKDOWN โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Sun: $45 (Groceries) Mon: $120 (Rent prorated, gas) Tue: $85 (Dinner out, coffee) Wed: $50 (Lunch, supplies) Thu: $200 (Concert tickets) Fri: $120 (Groceries, drinks) Sat: $60 (Brunch, shopping) TOP 5 EXPENSES โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” 1. $120 Concert tickets (Entertainment) 2. $100 Weekly groceries (Food) 3. $85 Gas fill-up (Transport) 4. $65 Dinner out (Food) 5. $45 Coffee shop (Food) INSIGHTS โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” ๐Ÿ’ก Food spending concentrated on dining out ($150) vs groceries ($90). Meal prep could save $30-40/week. ๐Ÿ’ก Weekend spending ($260) 2x weekday average ($130) Consider weekend-specific budget. ๐Ÿ’ก Entertainment spike due to concert season One-time expense, not concerning. VS LAST WEEK โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Spending: $680 vs $620 (+10%) Primary difference: Concert tickets (+$120) Without one-time: Would be 8% under last week ``` ### Monthly Report ``` MONTHLY BUDGET REPORT March 2024 โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” EXECUTIVE SUMMARY โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Total Income: $5,000 Total Budgeted: $5,000 Total Spent: $4,200 Total Saved: $800 (16%) Budget Performance: โœ… EXCEEDED GOAL Target savings: 15% | Actual: 16% CATEGORY BREAKDOWN โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” CATEGORY BUDGET SPENT REMAIN % Housing $1,500 $1,500 $0 100% โœ… Food $500 $520 -$20 104% โš ๏ธ Transport $200 $150 $50 75% โœ… Utilities $250 $220 $30 88% โœ… Entertainment $200 $245 -$45 123% ๐Ÿšจ Health $100 $80 $20 80% โœ… Shopping $250 $325 -$75 130% ๐Ÿšจ Savings $750 $800 $50 107% โœ… Debt $250 $250 $0 100% โœ… Gifts/Charity $100 $110 -$10 110% โš ๏ธ MERCHANT ANALYSIS โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Top 5 Merchants: 1. Costco $340 (Food, Household) 2. Amazon $285 (Shopping, various) 3. Whole Foods $225 (Food) 4. Shell $150 (Transport) 5. Netflix $15 (Entertainment) SPENDING PATTERNS โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” By Week: Week 1: $1,100 Week 2: $1,050 Week 3: $1,200 (concert week) Week 4: $850 By Day of Week: Monday: $180 avg (groceries, gas) Tuesday: $120 avg Wednesday: $140 avg Thursday: $160 avg Friday: $200 avg (dining out) Saturday: $250 avg (shopping, events) Sunday: $150 avg RECURRING EXPENSES โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” โœ… Rent: $1,200 (on time) โœ… Utilities: $220 (avg of $215) โœ… Insurance: $80 (auto-deducted) โœ… Subscriptions: $45 (Netflix, Spotify, Gym) ANOMALIES & ONE-TIMES โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” ๐ŸŽต Concert tickets: $120 (Entertainment) ๐Ÿ’ป New laptop accessories: $85 (Shopping) ๐ŸŽ Birthday gift: $65 (Gifts) Without one-time expenses: Total would be: $3,930 (78% of budget) TRENDS VS PREVIOUS MONTHS โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Feb Jan Dec Trend Food $520 $480 $510 โ†‘ 8% Transport $150 $180 $165 โ†“ 17% Entertain $245 $150 $200 โ†‘ 63% Shopping $325 $200 $280 โ†‘ 63% YEAR-TO-DATE PROGRESS โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Income: $15,000 Spent: $12,300 Saved: $2,700 (18%) Goal: 15% savings rate Actual: 18% โœ… Ahead of target RECOMMENDATIONS โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” 1. Entertainment trending up 63% - set stricter weekend dining budget or find free activities. 2. Shopping spike due to laptop accessories - one-time, should normalize next month. 3. Food up 8% - review dining out frequency. Current: 12x/month. Try reducing to 8x. 4. Transport down 17% - good job using transit! Reallocate $30 to savings. NEXT MONTH PREVIEW โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ” Expected changes: โ€ข Car insurance due: +$150 (quarterly) โ€ข No concert expenses expected โ€ข Birthday season over Suggested adjustments: โ€ข Reduce Entertainment to $150 โ€ข Keep Shopping at $200 (normalizing) โ€ข Increase Savings to $800 (maintain 16%) ``` ## Export Options ### CSV Export ```bash python scripts/export_data.py \ --type expenses \ --format csv \ --month current \ --output "march_expenses.csv" ``` ### JSON Export ```bash python scripts/export_data.py \ --type full \ --format json \ --output "budget_backup_2024.json" ``` ## Data Visualization ### ASCII Charts ``` SPENDING TREND (Last 6 Months) $600 โ”‚ โ•ญโ”€โ”€โ•ฏ $500 โ”‚ โ•ญโ”€โ”€โ”€โ•ฎ โ”‚ $400 โ”‚ โ•ญโ”€โ”€โ”€โ•ฎ โ”‚ โ”‚ โ•ญโ”€โ”€โ”€โ”€โ•ฎโ”‚ $300 โ”‚โ•ญโ”€โ”€โ•ฎ โ”‚ โ”‚ โ•ญโ”€โ”€โ”€โ”€โ•ฏ โ•ฐโ”€โ”€โ”€โ”€โ•ฏ โ•ฐโ•ฏ $200 โ”‚โ”‚ โ”‚โ•ญโ”€โ”€โ•ฏ โ•ฐโ”€โ•ฏ $100 โ”‚โ”‚ โ•ฐโ•ฏ 0 โ•ฐโ”ดโ”€โ”€โ”ดโ”€โ”€โ”€โ”ดโ”€โ”€โ”€โ”ดโ”€โ”€โ”€โ”ดโ”€โ”€โ”€ Oct Nov Dec Jan Feb Mar ``` ### Category Comparison ``` BUDGET VS ACTUAL - March 2024 Housing โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 100% โœ… Food โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 104% โš ๏ธ Transport โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 75% โœ… Utilities โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 88% โœ… Entertainmentโ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 123% ๐Ÿšจ Health โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 80% โœ… Shopping โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 130% ๐Ÿšจ Savings โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ 107% โœ… Budget โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ Actual โ”‚โ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ–ˆโ”‚ ```