3 Commits

Include renames

Author	SHA1	Message	Date
siddharthd	ba87ff86e7	docs: record loan decisions — separate ledger, 50/50 fixed, $4,000 receivable ... The loan is a separate ledger, not a settlement context: a contribution must never be able to settle a dinner. The share is fixed at 50%, not derived from actual payments. During Sonu's leave the obligation did not change, only the payment did - a percentage-of-actual model would silently redefine her share as 30% and make the shortfall vanish. So the model needs an expected schedule alongside actual contributions, with the difference as a tracked receivable. Currently $4,000.00 over Jul 2025 - Jun 2026. On interest: recorded the mechanics (it is debited to the loan and repaid as part of the balance - the reconciliation is exact) alongside the counter-argument that $16,523.64 left and bought nothing, which is what an expense is. Recommends keeping it as spend with a fixed/discretionary grouping to address the real concern, but flags it as a judgement call rather than settling it.	2026-07-26 16:03:53 +10:00
siddharthd	4b7a7e5d9c	docs: design proposal for shared expenses, settlement and the shared loan ... Three problems that look separate are one: the app records money moving, and separately records who owes whom, and the two never meet. Documents what is broken with evidence - two half-built settlement models, settlements existing twice unlinked, and Sonu's $37,980 of loan contributions sitting unrecognised as generic transfers - then proposes settlement contexts, payments as transactions rather than a side table, and loan co-ownership. Nothing built. Five open questions, two of which are decisions about the arrangement rather than the software.	2026-07-26 15:57:03 +10:00
siddharthd	856e1a51ab	docs: agent/MCP access guide — connect + query finance data from any MCP client	2026-07-25 22:27:19 +10:00