*Este artículo fue creado utilizando entrada de voz con IA (Aqua Voice). Tenga en cuenta que puede haber algunas inconsistencias.
Hola. Soy Hiro del Laboratorio de Full Body Tracking.
A lot of people want to automate something using AI, right?
But honestly, “automation” hasn’t really permeated into daily life all that much. Sure, people are using ChatGPT and Claude, but if you ask whether their lives have dramatically changed, most people would probably say not really.
Today, I want to introduce what I think is the most practical use of AI automation. It’s organizing your money.
AI Is Better at “Classifying” Than “Analyzing”
When it comes to using AI, I think most people imagine feeding it data and having it spit out answers.
But in my experience, having it classify things is far more practical.
For example, you hand AI a month’s worth of receipts and spending records, and ask: “Sort these into food, transportation, hobbies, and fixed expenses.”
The kind of tedious work that humans put off forever, AI handles in an instant. And on top of that, its classification criteria don’t waver. It uses the same rules for last month and this month, making comparisons much easier.
You Do Need Security Boundaries
However, there is one important thing to note here.
You should never put your personal data into AI — things like bank account numbers or credit card information.
This is a fundamental premise from a security standpoint.
So what do you do instead? You just extract and hand over only the amounts and categories.
Pass it something like “March 5, convenience store, 580 yen” or “March 7, train, 1,200 yen,” and it won’t contain any personally identifiable information. Even so, AI can classify and tally things up perfectly well.
The key is knowing what to share and what not to share. It’s about establishing those boundaries for yourself.
The Most Useful Thing Is Creating a Cash Book
In my experience, the most useful thing AI automation can do is creating a cash book.
A cash book is a ledger that records the flow of money in and out. It might sound complicated, but it’s basically just a list of “what you spent money on and how much.”
All you have to do is hand AI your spending data and say “Make me a cash book,” and it produces a neatly organized ledger.
There are two things that make this great.
1. You Can See the Flow of Money
Once you have a cash book, you can see at a glance how your money is flowing.
“Food expenses are high this month.” “I had this many subscription payments?” “My hobby spending is double what it was last month!”
Even if you think you have a rough idea in your head, when you actually see the numbers, the picture looks completely different. It’s the same as organizing your thoughts — when you externalize things, their apparent size changes.
2. You Can Do Accurate Analysis
Once you understand the flow of money, that’s when you can finally do accurate analysis.
“I wanted to keep food expenses under 30,000 yen per month, but this month it was 42,000 yen. The reason is that eating out increased to three times a week.”
This kind of specific analysis is impossible without a cash book. But conversely, if you have a cash book, all you have to do is ask AI “Where did spending increase compared to last month?” and you’ll get an answer.
It’s Also Useful for Tax Classification
If you file your own tax returns, AI can also help with tax-related classification.
What can be reported as a business expense and what can’t. The proportional split between business and personal use. If you have AI handle this classification every month, you won’t be scrambling when tax filing season comes around.
For someone like me who runs a website, this is quietly a lifesaver. It frees you from the hell of wrestling with a year’s worth of receipts at the end of the year.
The Process Is Simple
The specific process is really simple.
(1) Record your expenses (iPhone Notes, a spreadsheet, whatever works)
(2) At the end of the month, batch it all up and throw it to AI (“Turn this into a cash book”)
(3) AI classifies and tallies everything up
(4) Ask follow-up questions like “Compare to last month” or “Extract just food expenses”
That’s it.
If you’re using Claude Code, you can even have it read a CSV file and convert it into a Markdown table. Save it in Obsidian, and you can look back at past cash books anytime.
Resumen
The most practical use of AI automation is organizing your money.
Instead of having AI “read and analyze” data, have it “classify” things. As long as you maintain security boundaries and only pass amounts and categories, that’s plenty.
If you create a cash book, you can see the flow of your money and do accurate analysis.
There’s nothing difficult about it. Just record your expenses and throw them to AI. That alone will change how you use your money.
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