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+# Enhanced Personal Finance Management
+
+## Description
+
+An application designed to help manage personal finances, including income (like salary) and loans. It provides daily notifications, tracks progress towards financial goals, and offers insights into spending habits. The goal is to provide an enhanced, goal-oriented financial management experience.
+
+## Core Features
+
+*   **Income & Expense Tracking:** Log salary, loan payments, and other transactions.
+*   **Loan Management:** Keep track of loan balances, due dates, and payment history.
+*   **Goal Setting:** Define financial goals (e.g., saving for a down payment, paying off debt) and track progress.
+*   **Daily Notifications:** Receive daily summaries or reminders (configurable).
+*   **Reporting & Insights:** Visualize financial data (future goal).
+*   **User Authentication:** Secure login for personal data.
+
+## Tech Stack
+
+*   **Backend:** Go (Golang)
+    *   API Framework: Gin Gonic / Echo (to be decided)
+    *   Database ORM: GORM / sqlx (to be decided)
+    *   Notifications: Go routine scheduler + Email/Push Notification service
+*   **Frontend:** React / Next.js with TypeScript
+    *   UI Components: shadcn/ui (using Tailwind CSS)
+    *   State Management: Zustand / Redux Toolkit (to be decided)
+    *   Data Fetching: React Query / SWR
+*   **Database:** PostgreSQL / SQLite (to be decided based on scale)
+*   **Deployment:** Docker, Cloud Provider (e.g., AWS, GCP, DigitalOcean - to be decided)
+
+## High-Level Architecture
+
+1.  **Frontend (React/Next.js + shadcn/ui):** Interacts with the user, displays financial information and goals, and communicates with the backend API.
+2.  **Backend API (Go):** Handles business logic, data persistence, user authentication, and communication with the database and notification services.
+3.  **Database (PostgreSQL/SQLite):** Stores user data, transactions, loans, goals, etc.
+4.  **Notification Service (Go Routine/External):** Periodically checks for required notifications (daily summaries, goal updates) and sends them out.
+
+## Project Structure
+
+```
+.
+├── backend/              # Go Backend Code
+│   ├── cmd/              # Main application(s) entrypoint
+│   │   └── api/          # Entrypoint for the main API server
+│   │       └── main.go
+│   ├── internal/         # Private application and library code
+│   │   ├── api/          # API handlers, routes, middleware
+│   │   ├── config/       # Configuration loading
+│   │   ├── core/         # Core business logic (services, domain models)
+│   │   ├── database/     # Database interaction (models, migrations, queries)
+│   │   ├── models/       # Data structures/entities
+│   │   └── notification/ # Notification logic
+│   ├── pkg/              # Public library code (if any, shareable)
+│   ├── go.mod
+│   └── go.sum
+├── frontend/             # React/Next.js Frontend Code
+│   ├── app/              # Next.js App Router structure
+│   │   ├── (auth)/       # Routes for authentication (layout)
+│   │   │   └── login/
+│   │   │   └── signup/
+│   │   ├── (main)/       # Main application routes (layout)
+│   │   │   └── dashboard/
+│   │   │   └── loans/
+│   │   │   └── goals/
+│   │   │   └── settings/
+│   │   └── layout.tsx
+│   │   └── page.tsx      # Landing/main page
+│   ├── components/       # Shared React components (UI, shadcn)
+│   │   ├── ui/           # shadcn/ui generated components
+│   │   └── shared/       # Custom shared components
+│   ├── hooks/            # Custom React hooks
+│   ├── lib/              # Utility functions, helpers, API client
+│   ├── styles/           # Global styles, tailwind config
+│   ├── public/           # Static assets
+│   ├── package.json
+│   └── tsconfig.json
+├── .gitignore
+└── README.md
+```
+
+## Project Plan / To-Do List
+
+**Phase 1: Backend Core Setup (Go)**
+
+*   [ ] Initialize Go project (`go mod init`)
+*   [ ] Choose and set up API framework (e.g., Gin, Echo)
+*   [ ] Choose and set up ORM/DB library (e.g., GORM, sqlx)
+*   [ ] Design database schema (Users, Accounts, Transactions, Loans, Goals)
+*   [ ] Set up database connection and migrations
+*   [ ] Implement User Authentication (Signup, Login, JWT/Session Management)
+*   [ ] Create basic CRUD APIs for Accounts (e.g., Salary Source, Bank Account)
+*   [ ] Create basic CRUD APIs for Transactions (Income, Expense)
+*   [ ] Create basic CRUD APIs for Loans
+*   [ ] Create basic CRUD APIs for Goals
+*   [ ] Set up initial logging and error handling
+*   [ ] Write unit/integration tests for core API endpoints
+
+**Phase 2: Frontend Foundation (React/Next.js + shadcn/ui)**
+
+*   [ ] Initialize React/Next.js project (`create-next-app`) with TypeScript
+*   [ ] Set up Tailwind CSS
+*   [ ] Integrate shadcn/ui and set up base theme/components
+*   [ ] Set up routing
+*   [ ] Implement basic layout (Navigation, Sidebar, Main Content Area)
+*   [ ] Set up state management solution
+*   [ ] Implement Login/Signup pages and connect to backend auth APIs
+*   [ ] Create components for displaying account balances
+*   [ ] Create forms for adding/editing transactions using shadcn components
+*   [ ] Create components for listing transactions
+
+**Phase 3: Feature Implementation - Loans & Goals**
+
+*   **Backend:**
+    *   [ ] Implement logic for loan calculations (remaining balance, interest if applicable)
+    *   [ ] Implement logic for goal progress tracking based on transactions/savings
+    *   [ ] Refine APIs for Loans and Goals based on frontend needs
+    *   [ ] Add validation logic for all inputs
+    *   [ ] Enhance tests for loan and goal logic
+*   **Frontend:**
+    *   [ ] Create components for displaying loan details and history
+    *   [ ] Create forms for adding/editing loans
+    *   [ ] Create components for displaying financial goals and progress
+    *   [ ] Create forms for adding/editing goals
+    *   [ ] Connect loan and goal components to backend APIs
+
+**Phase 4: Notifications**
+
+*   **Backend:**
+    *   [ ] Design notification content (daily summary, goal reminders)
+    *   [ ] Implement a scheduler (e.g., using `time.Ticker` or a library like `cron`) to trigger daily tasks
+    *   [ ] Implement logic to gather data for notifications
+    *   [ ] Integrate with an email service (e.g., SendGrid) or push notification service
+    *   [ ] Add user preferences for notifications (enable/disable, time)
+*   **Frontend:**
+    *   [ ] Create UI for managing notification preferences
+
+**Phase 5: Enhancements & Refinements**
+
+*   [ ] Implement reporting/visualization features (e.g., charts for spending categories)
+*   [ ] Refine UI/UX based on usability testing
+*   [ ] Improve error handling and user feedback
+*   [ ] Add more comprehensive tests (end-to-end)
+*   [ ] Security hardening (review dependencies, potential vulnerabilities)
+*   [ ] Optimize database queries and API performance
+
+**Phase 6: Deployment**
+
+*   [ ] Dockerize backend application
+*   [ ] Dockerize frontend application
+*   [ ] Set up CI/CD pipeline (e.g., GitHub Actions)
+*   [ ] Choose hosting provider and set up infrastructure (DB, API server, Frontend server)
+*   [ ] Configure domain, SSL certificates
+*   [ ] Monitor application performance and logs
+
+## Setup & Installation
+
+```bash
+# Clone the repository
+git clone <repository-url>
+cd <project-directory>
+
+# Backend Setup (Placeholder)
+cd backend
+# ... add Go setup instructions ...
+go run main.go
+
+# Frontend Setup (Placeholder)
+cd ../frontend
+# ... add Node/npm/yarn setup instructions ...
+npm run dev
+```
+
+## Usage
+
+(Instructions on how to use the application once running)
+
+## Contribution Guidelines
+
+(How others can contribute to the project - PR process, coding standards etc. - Placeholder)
+
+## License
+
+(Specify the project license, e.g., MIT - Placeholder) 
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