name: Minimal Foundation
layer: foundation
description: |
  Simple, broad category structure for basic expense tracking.
  Best for people who prefer simplicity and don't need detailed breakdowns.

  20 top-level categories covering essential expense areas.

categories:
  # Income
  - name: "Income"
    parent: null
    description: "All income sources"

  # Housing & Home
  - name: "Housing"
    parent: null
    description: "Rent, mortgage, rates, home expenses"

  - name: "Utilities"
    parent: null
    description: "Electricity, gas, water, internet, phone"

  # Food
  - name: "Food & Dining"
    parent: null
    description: "Groceries, restaurants, takeaway"

  # Transportation
  - name: "Transportation"
    parent: null
    description: "Fuel, public transport, vehicle costs"

  # Health
  - name: "Healthcare"
    parent: null
    description: "Medical, dental, pharmacy, Medicare gap"

  # Personal & Lifestyle
  - name: "Personal Care"
    parent: null
    description: "Haircuts, cosmetics, toiletries"

  - name: "Clothing"
    parent: null
    description: "Clothes, shoes, accessories"

  - name: "Entertainment"
    parent: null
    description: "Movies, streaming, hobbies, recreation"

  - name: "Education"
    parent: null
    description: "School fees, courses, textbooks"

  # Financial
  - name: "Insurance"
    parent: null
    description: "Health, car, home, life insurance"

  - name: "Banking & Fees"
    parent: null
    description: "Bank fees, account charges, ATM fees"

  - name: "Debt Payments"
    parent: null
    description: "Loan repayments, credit card payments"

  # Discretionary
  - name: "Shopping"
    parent: null
    description: "General retail, online shopping, household items"

  - name: "Gifts & Donations"
    parent: null
    description: "Presents, charity donations"

  - name: "Pets"
    parent: null
    description: "Pet food, vet, supplies"

  # Special
  - name: "Travel & Holidays"
    parent: null
    description: "Flights, accommodation, holiday expenses"

  - name: "Subscriptions"
    parent: null
    description: "Streaming, memberships, recurring services"

  # Other
  - name: "Government & Fees"
    parent: null
    description: "Rates, fines, registration, licences"

  - name: "Uncategorised"
    parent: null
    description: "Transactions not yet categorised"

rules: []
  # No rules in foundation - rules come from primary/living/additional templates

labels: []
  # No labels in foundation

tax_tracking:
  basic_expense_tracking: true

alerts: []

dependencies:
  requires: []
  conflicts_with: ["standard", "comprehensive"]
  note: "Foundation templates are mutually exclusive - choose only one"

metadata:
  created: "2025-11-23"
  version: "1.0.0"
  author: "Agent Smith"
  priority: 0  # Lowest priority - applied first
  category_count: 20