---
name: al-428-have-an-ai-assistant-keep-watch-on-your-money-after-you-s
description: "On Oct 27, 2026 Ant Group began rolling out LingGuang 2.0 in China, an AI assistant that keeps working on tasks after the chat ends and notifies people when something changes, only with their explicit authorization. Ant's own examples include checking Alipay spending records for recurring subscriptions, monitoring flight and hotel prices after a booking, and tracking family dates and vehicle inspections. Ant says users can review, change or revoke each authorization, and that the app's login keys are held separately from the agent. The prompt below sets up the same watch with any AI assistant that can run scheduled tasks, or as a monthly check you run yourself. Use when the user wants help with ongoing spending watch (finance) for a small business."
---

# Have an AI assistant keep watch on your money after you spend it: find the subscriptions you're still paying for and track prices on trips you've already booked

On Oct 27, 2026 Ant Group began rolling out LingGuang 2.0 in China, an AI assistant that keeps working on tasks after the chat ends and notifies people when something changes, only with their explicit authorization. Ant's own examples include checking Alipay spending records for recurring subscriptions, monitoring flight and hotel prices after a booking, and tracking family dates and vehicle inspections. Ant says users can review, change or revoke each authorization, and that the app's login keys are held separately from the agent. The prompt below sets up the same watch with any AI assistant that can run scheduled tasks, or as a monthly check you run yourself.

## Inputs to collect first
Ask the user for anything below that they haven't already given you. Don't guess missing facts.

- Bank or card statements, PayPal, Apple or Google subscriptions
- Flights, hotels, car rental with dates, prices and whether they can…
- Every few days, or now
- Amount
- Renewals, car inspection, family birthdays
- Your own material (text, notes or data)

## Instructions

Do the task below with the user's inputs in place of each [bracket].

Help me keep an eye on my money after I've spent it. Here are my last [3] months of [bank or card statements, PayPal, Apple or Google subscriptions]: [paste or attach]. 1) List every payment that repeats (monthly, yearly, free trials that turned paid) with the merchant, amount, how often, the date it next renews and the total per year. Flag anything I seem not to use, any price that went up, and any two services that do the same thing. 2) For each one I mark to cancel, tell me exactly where to cancel it and the date I must do it by to avoid the next charge. 3) Here are trips I've already booked: [flights, hotels, car rental with dates, prices and whether they can be changed or refunded]. Check the current price for the same booking [every few days, or now] and tell me only if it has dropped by more than [amount], and what changing it would cost. 4) Also remind me about these dates: [renewals, car inspection, family birthdays]. Never cancel, rebook or pay for anything yourself; tell me and I'll decide.

## Safety checks (share these with the user)

- Check every figure, price and total against your own records before anything is sent, posted or booked. A person approves refunds, discounts, payments and price changes.
- Remove names, contact details, account numbers and other personal data the task doesn't need before you paste, and check your AI tool's data and training settings.
- Check names, dates, numbers and any claim against your own source material before you use the answer. AI can misread or invent details.
- Say clearly which parts need a person to review or approve before anything is sent, paid, posted or filed.

## About this skill

- Works with: LingGuang, ChatGPT tasks, Gemini scheduled actions, Claude, Rocket Money
- Based on this real-world example: https://technode.global/2026/10/30/ant-group-lingguang-2-ai-agent-china/
- Free prompt from AgentPlaybook Real Estate: https://agentic-library.netlify.app/prompt/al-428-have-an-ai-assistant-keep-watch-on-your-money-after-you-spen/
- To install in an agent that supports Agent Skills, save this file as SKILL.md in a folder with the same name as `name` above (for example in your skills directory). Install steps for Claude.ai, Claude Code, Cursor and Codex: https://agentic-library.netlify.app/skills/