docs(operations): add budget-from-csv runbook for Yuvomi

Step-by-step procedure to import N26 CSV transactions into Yuvomi's
Budget and Subscriptions modules using the yuvomi-mcp tools.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

operations/runbook-budget-from-csv.md

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+# Runbook: Budget import from N26 CSV → Yuvomi
+
+Distil a bank-export CSV into Yuvomi's Budget and Subscriptions modules using
+the `yuvomi-mcp` tools. Run this whenever a new CSV period needs to be
+summarised into targets and fixed costs.
+
+---
+
+## Prerequisites
+
+- `yuvomi-mcp` is running on LXC 129 and connected as an MCP server in Claude.
+- The CSV is an N26 export (columns: Booking Date, Value Date, Partner Name,
+  Partner Iban, Type, Payment Reference, Account Name, Amount (EUR), …).
+
+---
+
+## Step 1 — Categorise the transactions
+
+Ask Claude to read the CSV and group rows into:
+
+| Category | Examples |
+|---|---|
+| **Subscriptions** | Miete, SWM, SYNVIA, Carmen Muller (Hundefutter), Netflix, Grover, Rundfunk ARD, KuKita, Lillydoo |
+| **Recurring income** | Kindergeld, Cookie Share (Stefanie Müller), Pocket Money |
+| **Groceries** | E-Center, Knuspr, EDEKA, Tegut, VollCorner, Lidl, Netto, REWE, Bakeries |
+| **Drugstore** | DM, Rossmann |
+| **Pharmacy / Health** | Apotheke, Dermatologist |
+| **Transport** | Uber, RYD GMBH, MVG, Handyparken |
+| **Dining & restaurants** | Restaurant names, Lieferando |
+| **Children** | Baby products, toys, PEKiP/courses |
+| **Clothing** | Zalando, Ernsting's, Schuhmair, Thalia |
+| **Amazon / Online** | Amazon, AMZN |
+| **Home & Furniture** | IKEA, furniture invoices, Sostrene Grene |
+| **Internal transfers** | The Joy Pot ↔ Cookie, Hauptkonto splits — **exclude from budgets** |
+
+---
+
+## Step 2 — Discover existing category & payment-method IDs
+
+```
+list_budget_categories()         → note the key strings (e.g. 'housing', 'food')
+get_subscriptions_meta()         → note category_id and payment_method_id values
+```
+
+---
+
+## Step 3 — Create subscriptions
+
+For each fixed recurring cost, call:
+```
+stage_create_subscription(
+    name="...",
+    amount=...,
+    billing_cycle="monthly",   # or "yearly" with cycle_interval
+    cycle_interval=1,          # 3 for quarterly
+    next_payment_date="YYYY-MM-DD",
+    category_id=...,           # from get_subscriptions_meta()
+)
+commit_pending(pending_id)
+```
+
+**Standard subscriptions (as of Jun 2026):**
+
+| Name | Amount | billing_cycle | cycle_interval |
+|---|---|---|---|
+| Miete | 1080.00 | monthly | 1 |
+| Strom (SWM) | 79.00 | monthly | 1 |
+| Internet/TV/Telefon (SYNVIA) | 29.99 | monthly | 1 |
+| Hundefutter | 75.00 | monthly | 1 |
+| Netflix | 8.00 | monthly | 1 |
+| Grover | 16.90 | monthly | 1 |
+| Rundfunk ARD | 55.08 | monthly | 3 |
+| KuKita Daycare (Leon) | 503.00 | monthly | 1 |
+| Lillydoo diapers | 56.70 | monthly | 2 |
+
+---
+
+## Step 4 — Add recurring income entries
+
+```
+stage_add_budget_entry(
+    title="Kindergeld",
+    amount=55.00,
+    category="<income category key>",
+    date="YYYY-MM-01",
+    is_recurring=True,
+    recurrence_interval="monthly",
+)
+commit_pending(pending_id)
+```
+
+**Standard recurring income:**
+
+| Title | Amount | category |
+|---|---|---|
+| Kindergeld | +55.00 | Sozialleistungen |
+| Cookie Share | +1600.00 | Erwerbseinkommen (adjust to actual amount) |
+
+---
+
+## Step 5 — Set budget targets (monthly spending categories)
+
+**From the Jan–Jun 2026 6-month averages:**
+
+| Category | Monthly target |
+|---|---|
+| Groceries | 600 € |
+| Children products & activities | 150 € |
+| Dining & restaurants | 100 € |
+| Transport | 70 € |
+| Drugstore | 55 € |
+| Clothing | 40 € |
+| Amazon / Online | 40 € |
+| Home & furniture | 100 € |
+| Pharmacy & health | 15 € |
+
+---
+
+## Step 6 — Verify
+
+```
+get_budget_summary("YYYY-MM")
+list_subscriptions()
+```
+
+Expected fixed costs total: ~1848 €/month (before KuKita; ~2351 € after).
+
+---
+
+## Changelog
+
+### 2026-06-29 — Initial runbook
+Created from Jan–Jun 2026 N26 Cookie account analysis.