Individual skill

cost-budget-check

Read accumulated cost-tracking spend + budget config, compute utilization, emit 50/75/90/100% alert ladder

plugins/ruflo-cost-tracker/skills/cost-budget-check/SKILL.md

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# Cost Budget Check

Reads `cost-tracking:budget-config` for the project's budget limit, sums `total_cost_usd` across `session-*` records produced by `cost-track`, computes utilization, and emits the **measured** 4-tier alert ladder (50% INFO / 75% WARNING / 90% CRITICAL / 100% HARD_STOP).

Until P2 (this skill) landed, the README documented the alert ladder but no code checked it. Now this skill is the gate.

## When to use

- After every cost-track run, to surface the alert level.
- Before spawning a swarm — if utilization ≥ 90%, escalate to `/cost-optimize` first.
- Cron-friendly via `/loop 30m` for continuous monitoring.

## Steps
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