guardian ai plus

    1

    Personal finance auditor for detecting bill anomalies, tracking refunds, and scoring purchase value.

    $6.99

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    Works with the AI tools you already use

    Claude CodeClaude CodeCursorCursorCodex CLICodex CLIMuseMuseDotsDots+22 more

    guardian ai plus

    Example session with this skill installed

    Analyze my recent Comcast bills. Last month: $75.00. This month: $92.45. Also, evaluate this $1,200 MacBook Pro purchase from 'TechRefurbished' on eBay. It has a 90-day warranty and 4.2 star reviews.

    • Read your context and instructions
    • Compiled the guardian ai plus
    • Generated the document

    I have analyzed your billing anomaly and calculated the Value Score for your potential laptop purchase.

    Financial Guard Report

    Bill Anomaly Guard: Comcast

    MetricPreviousCurrentChange ($)Change (%)Status
    Monthly Total$75.00$92.45+$17.45+23.27%NEEDS VERIFICATION

    Findings:

    • Anomaly Detected: The 23% increase exceeds standard inflationary adjustments.
    • Evidence: Change is confirmed by supplied totals.
    • Missing Evidence: Specific line items (equipment fees, late fees, or expiring promotions) were not provided.

    Next Action: Check the 'Adjustments' or 'Other Charges' section of the $92.45 bill to identify if a promotional discount has expired.

    Value Score: MacBook Pro (Refurbished)

    Total Score: 68/100

    CategoryScoreNotes
    Price/Value18/25Competitive for refurbished, but high absolute cost.
    Warranty/Returns8/1590 days is standard for refurbished, but low for $1,200.
    Seller10/15eBay 'TechRefurbished' has high volume but mixed feedback.
    Reviews12/154.2 stars is solid for electronics.
    Risk9/15Refurbished status adds inherent hardware failure risk.
    Longevity8/10MacBooks generally have high resale and build quality.
    Total Cost3/5High upfront investment.

    Strengths: High build quality and strong resale value associated with the brand.
    Weaknesses: The 90-day warranty is short for a $1,200 expenditure; high risk if a logic board failure occurs after month three.
    Missing Evidence: Battery cycle count and specific cosmetic grade (Grade A vs Grade B).

    Next steps

    1. Review the Comcast bill PDF for the phrase "Promotional Offer Ended."
    2. Ask the eBay seller for the specific battery cycle count before purchasing.
    3. Check if your credit card offers an extended warranty for refurbished items.

    guardian-ai-plus.pdf

    PDF · document

    Generated

    Example file from a real run - the skill writes it into your workspace.

    Connects securely to your tools. The creator never sees your data.

    What you get

    Audit utility bills to detect hidden fee increases or expired promotions.Generate a weighted Value Score for expensive purchases to avoid buyer remorse.Identify duplicate transaction evidence to simplify merchant refund requests.Scan transaction history to flag and cancel forgotten recurring subscriptions.

    About this skill

    The problem

    Managing personal finances is tedious. Tracking down missing refunds, spotting bill anomalies, and evaluating the true value of a purchase takes hours of manual work and cross-referencing.

    What it does

    • Analyzes transaction history to find duplicate charges and missing refunds.
    • Calculates absolute and percentage changes between bills to flag pricing anomalies.
    • Identifies recurring subscriptions and highlights unused or unwanted services.
    • Generates a Value Score out of 100 based on price, warranty, seller reputation, and longevity.
    • Drafts professional messages to merchants for price adjustments or refund claims.

    Why this beats prompting it yourself

    General LLMs often hallucinate refund policies or invent billing errors to be helpful. This skill follows a strict verification framework, labeling every finding as CONFIRMED, LIKELY, or NEEDS VERIFICATION, ensuring you only act on real data. It uses a weighted scoring system for value assessments that remains consistent across different product categories.

    Use cases

    • Auditing a monthly utility bill against the previous month to spot price hikes.
    • Evaluating if a high-ticket electronics purchase is actually worth the price.
    • Finding evidence for a warranty claim after a product defect.
    • Scanning credit card statements to prune forgotten SaaS subscriptions.

    Known limitations

    Cannot access live banking APIs or accounts directly. Requires user to provide text or data from statements. Does not handle password or sensitive authentication data.

    How to install

    Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.

    ~30 seconds
    1. 1

      Download the ZIP

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    2. 2

      Unzip into your skills folder

      Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.

    3. 3

      Ask your agent to use it

      Restart the agent if it was already running. It picks the skill up automatically - no config needed.

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    Click the path to copy it. Create the folder if it does not exist yet.

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    Recently published to Agensi

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    Trust & safety

    Security scanned

    Verified clean 10 days ago

    • Passed all security checks, Safe to install

    Listed10 days ago

    What's inside

    Frequently Asked Questions