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Recurring transactions (rent, subscriptions, salary) — proposed through the approval gate #6

Description

@IssamSayyaf

Users record rent/subscriptions/salary by hand every month. Design goal: never auto-insert silently — this codebase's rule is that automated writes go through the approval gate.

Proposed design

  • A recurring table (description, wallet, amount, day-of-month, kind: spend/fund/income)
  • When one is due, the Telegram bot proposes it and the user replies YES/NO (see how maybeSendMonthlyReport schedules in server/src/telegram.js, and how the approval flow works in handleMessage)
  • Web UI equivalent: a pending-proposals card

Where to look: server/src/telegram.js, server/src/routes.js, CLAUDE.md (the derived-ledger rules)

Please discuss the design in this issue before building.

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