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feat(budget): dynamic budget suggestions from spending history#817

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bkennedyshit wants to merge 1 commit intorohitdash08:mainfrom
bkennedyshit:feat/budget-suggestions
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feat(budget): dynamic budget suggestions from spending history#817
bkennedyshit wants to merge 1 commit intorohitdash08:mainfrom
bkennedyshit:feat/budget-suggestions

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Closes #73. Analyzes N months history, suggests budgets (avg for essentials, -10% for discretionary). 3 tests.

…dash08#73)

- Analyzes N months of history per category to compute average spend
- Suggests budget = average for essentials, 10% below for discretionary
- Returns per-category suggestion with months_analyzed and reduction_pct
- 3 tests: empty, structure, discretionary cut logic
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Dynamic Budget Suggestions

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