0.3.0

Everything is still plain, hand-editable markdown — tagged bullets and frontmatter.

New

• Trip reflection — once a trip's end date has passed (or the note is archived), its holiday-dashboard block automatically becomes a reflection: total and after-trip spend, under/over budget, average per day, biggest and quietest days, a per-category table (total, avg/day, share, biggest single expense with merchant), a spend-by-day chart, and planned vs paid. Force either mode with view: live / view: reflection.
• First-time setup wizard — opens automatically on a fresh install (or via Run first-time setup): pick your folders and currency, and the starter notes (💸 Budgets, 📊 Finance Dashboard, 🔁 Recurring Payments, 🎯 Goals) are created from templates embedded in the plugin. Never overwrites existing notes.
• Quick-add autocomplete — suggestions for categories, merchants, and owed= people, derived from what you've actually logged plus your budget table. Arrows cycle, Tab accepts, Esc dismisses, Enter always submits. Accepting a known merchant fills in its remembered category. The hand-maintained Shortcut categories setting is gone.
• Quick add from the open note — optional setting: opening quick add while a daily note is active pre-fills that note's date.
• Two-ring category donut — dashboard pies now show major categories on the inner ring and every subcategory on the outer ring as shades of the parent hue, with a nested legend. The sidebar mini pie stays at major categories.
• Recurring payments management — Open recurring payments note creates a management page (manage: true block) with per-bill Log now and Skip cycle (logs a $0 entry so the schedule advances without changing the remembered price), a due-next-30-days card, and a Bill reserve section: what should already be set aside for quarterly/yearly bills and the steady per-week amount that keeps every cadence covered.
• Goal contributions — Contribute to savings goal command logs the contribution bullet for you; the new finance-goals block shows every goal envelope with one-tap contribute, and account: <key> reconciles goal balances against a real account's balance snapshot (unallocated / over-allocated).
• Goal archiving parity — Archive completed savings goals joins Archive finished holidays; archive summaries now include a withdrawals table.
• Compact sidebar — budgets are slim rows (name + spent/limit + thin pace bar); hover or tap a row for the detail. The Today's-entries section was removed.

Fixed

• Trip-tagged spending no longer counts toward home budgets — it is a withdrawal from the trip's savings goal and lives on the holiday dashboard. Use type: all in finance-query to include it in reports.
• Mini pie chart crash in the sidebar (SVG class token error).

73 tests passing (npm test).