diff --git a/get_some_transactions_v1.py b/get_some_transactions_v1.py
new file mode 100644
index 0000000..4f1ebd0
--- /dev/null
+++ b/get_some_transactions_v1.py
@@ -0,0 +1,12 @@
+import os
+from typing import List
+
+# twilio.rest has a Client too, so let's avoid a namespace collision
+from plaid import Client as PlaidClient
+
+plaid_client = PlaidClient(client_id=os.getenv('PLAID_CLIENT_ID'), secret=os.getenv('PLAID_SECRET'),
+                           public_key=os.getenv('PLAID_PUBLIC_KEY'), environment=os.getenv('PLAID_ENV'))
+
+
+def get_some_transactions(access_token: str, start_date: str, end_date: str) -> List[dict]:
+    return plaid_client.Transactions.get(access_token, start_date, end_date)
diff --git a/get_some_transactions_v2.py b/get_some_transactions_v2.py
new file mode 100644
index 0000000..48aa145
--- /dev/null
+++ b/get_some_transactions_v2.py
@@ -0,0 +1,36 @@
+import math
+import os
+from typing import List
+
+# twilio.rest has a Client too, so let's avoid a namespace collision
+from plaid import Client as PlaidClient
+
+plaid_client = PlaidClient(client_id=os.getenv('PLAID_CLIENT_ID'), secret=os.getenv('PLAID_SECRET'),
+                           public_key=os.getenv('PLAID_PUBLIC_KEY'), environment=os.getenv('PLAID_ENV'))
+
+
+# https://plaid.com/docs/api/#transactions
+MAX_TRANSACTIONS_PER_PAGE = 500
+OMIT_CATEGORIES = ["Transfer", "Credit Card", "Deposit"]
+
+
+def get_some_transactions(access_token: str, start_date: str, end_date: str) -> List[dict]:
+    account_ids = [account['account_id'] for account in plaid_client.Accounts.get(access_token)['accounts']
+                   if account['subtype'] not in ['cd', 'savings']]
+
+    num_available_transactions = plaid_client.Transactions.get(access_token, start_date, end_date,
+                                                               account_ids=account_ids)['total_transactions']
+    num_pages = math.ceil(num_available_transactions / MAX_TRANSACTIONS_PER_PAGE)
+    transactions = []
+
+    for page_num in range(num_pages):
+        transactions += [transaction
+                         for transaction in plaid_client.Transactions.get(access_token, start_date, end_date,
+                                                                          account_ids=account_ids,
+                                                                          offset=page_num * MAX_TRANSACTIONS_PER_PAGE,
+                                                                          count=MAX_TRANSACTIONS_PER_PAGE)['transactions']
+                         if transaction['category'] is None
+                         or not any(category in OMIT_CATEGORIES
+                                    for category in transaction['category'])]
+
+    return transactions
diff --git a/get_yesterdays.py b/get_yesterdays.py
new file mode 100644
index 0000000..b3ef2d1
--- /dev/null
+++ b/get_yesterdays.py
@@ -0,0 +1,17 @@
+import datetime
+import os
+from typing import List
+
+from get_some_transactions_v2 import get_some_transactions
+
+
+def get_yesterdays_transactions() -> List[dict]:
+    yesterday = ('2017-05-16' if os.getenv('PLAID_ENV') == 'sandbox'
+                 else (datetime.date.today() - datetime.timedelta(days=1)).strftime('%Y-%m-%d'))
+
+    transactions = []
+
+    for access_id in [os.getenv('CHASE_ACCESS_TOKEN'), os.getenv('BOFA_ACCESS_TOKEN')]:
+        transactions += get_some_transactions(access_id, yesterday, yesterday)
+
+    return transactions
diff --git a/run.py b/run.py
new file mode 100644
index 0000000..121456a
--- /dev/null
+++ b/run.py
@@ -0,0 +1,5 @@
+from get_yesterdays import get_yesterdays_transactions
+from send_summary import send_summary
+
+
+send_summary(get_yesterdays_transactions())
\ No newline at end of file
diff --git a/screenshot.png b/screenshot.png
new file mode 100644
index 0000000..9ea4b15
Binary files /dev/null and b/screenshot.png differ
diff --git a/send_summary.py b/send_summary.py
new file mode 100644
index 0000000..256f99c
--- /dev/null
+++ b/send_summary.py
@@ -0,0 +1,14 @@
+import os
+from typing import List
+
+from twilio.rest import Client as TwilioClient
+
+twilio_client = TwilioClient(os.getenv('TWILIO_SID'), os.getenv('TWILIO_TOKEN'))
+
+
+def send_summary(transactions: List[dict]) -> None:
+    total_spent = sum(transaction['amount'] for transaction in transactions)
+
+    message = f'You spent ${total_spent} yesterday. 💸'
+
+    twilio_client.api.account.messages.create(to=os.getenv('MY_CELL'), from_=os.getenv('MY_TWILIO_NUM'), body=message)
diff --git a/spending_summary.md b/spending_summary.md
new file mode 100644
index 0000000..44bc7db
--- /dev/null
+++ b/spending_summary.md
@@ -0,0 +1,232 @@
+Your bank lets you set up SMS alerts for various triggers; it might even give you the option of receiving periodic spending summaries (mine doesn't!).
+But what about a daily SMS summary of your spending across *all* your accounts?  This is harder to come by, so let's roll our own:
+
+## Pre-work
+
+1. [Nab a sandbox account](https://dashboard.plaid.com/signup) from Plaid, and put those credentials into `PLAID_CLIENT_ID`, `PLAID_SECRET`,
+and `PLAID_PUBLIC_KEY` environment variables.  While you're at it, 
+[ask for access](https://dashboard.plaid.com/overview/request-development) the development API (it'll take a few days).  
+For now, though, create an env var `PLAID_ENV` and set it to 'sandbox'.
+
+```bash
+export PLAID_CLIENT_ID='somechars1234'
+export PLAID_PUBLIC_KEY='somemorechars1234'
+export PLAID_SECRET='somesecretchars1234'
+export PLAID_ENV='sandbox'
+```
+
+1. Clone the [quickstart for Plaid](https://github.com/plaid/quickstart) and reference those environment variables in the 
+Python quickstart's `server.py`.
+
+```python
+PLAID_CLIENT_ID = os.getenv('PLAID_CLIENT_ID')
+PLAID_SECRET = os.getenv('PLAID_SECRET')
+PLAID_PUBLIC_KEY = os.getenv('PLAID_PUBLIC_KEY')
+PLAID_ENV = os.getenv('PLAID_ENV')
+```
+
+1. Run `server.py` (Python 2 only 😦) and log into Chase with the test credentials ("user_good" and 
+"pass_good" as of 5/24/2017). It prints the access token to your terminal: Grab that and put it into a 
+`CHASE_ACCESS_TOKEN` environment variable.  Repeat this for Bank of America and put that access token into `BOFA_ACCESS_TOKEN`.
+
+1. [Grab your Twilio credentials](https://www.twilio.com/console/account/settings) and 
+[Twilio incoming phone number](https://www.twilio.com/console/phone-numbers/incoming) make sure those are available as 
+environment variables too (see below).
+
+1. Put your cell phone number in an environment variable as `MY_CELL`.
+
+```bash
+export CHASE_ACCESS_TOKEN='access-sandbox-someprettysecretchars1234'
+export BOFA_ACCESS_TOKEN='access-sandbox-somemoreprettysecretchars1234'
+export TWILIO_SID='somechars1234'
+export TWILIO_TOKEN='somesecretchars1234'
+export MY_TWILIO_NUM='+11111111111'
+export MY_CELL='+12222222222'
+```
+
+1. Install just a couple of dependencies:
+
+```bash
+$ pip install python-plaid twilio
+```
+
+## Get Some Transactions
+
+Make yourself a Plaid client instance and grab some transactions from Chase:
+
+[get_some_transactions_v1.py](https://github.com/zevaverbach/spending_summary/blob/master/get_some_transactions_v1.py)
+
+```python
+import os
+from typing import List
+
+# twilio.rest has a Client too, so let's avoid a namespace collision
+from plaid import Client as PlaidClient
+
+plaid_client = PlaidClient(client_id=os.getenv('PLAID_CLIENT_ID'), secret=os.getenv('PLAID_SECRET'),
+                           public_key=os.getenv('PLAID_PUBLIC_KEY'), environment=os.getenv('PLAID_ENV'))
+
+
+def get_some_transactions(access_token: str, start_date: str, end_date: str) -> List[dict]:
+    return plaid_client.Transactions.get(access_token, start_date, end_date)
+                                         
+```
+
+Inspecting the output of `get_some_transactions`, we see that there are multiple accounts, 337 transactions among them, but only
+100 transactions returned from this API call.  Two of these accounts are for savings, so presumably they're only 
+going to have transfers rather than purchases.
+
+```python
+>>> from get_some_transactions_v1 import get_some_transactions
+>>> import os
+>>> some_transactions = get_some_transactions(os.getenv('CHASE_ACCESS_TOKEN'), '1972-01-01', '2017-05-26'))
+>>> some_transactions['total_transactions']
+337
+>>> from pprint import pprint
+>>> pprint(some_transactions['accounts'])
+[{'account_id': 'qwp96Z11b5IBKVMl8XvLSkJXjgj6ZxIXX3o79',
+  'name': 'Plaid Checking',
+  'subtype': 'checking'
+  ...},
+ {'account_id': 'Kk9ZL7NN4wSX3lR9evV8f9P4GVGk3BF33QnAM',
+  'name': 'Plaid Saving',
+  'subtype': 'savings'
+  ...},
+ {'account_id': 'rEy96MWWgXukrnBW4yVphv7yl3lznosBBzo6n',
+  'name': 'Plaid CD',
+  'subtype': 'cd'
+  ...}
+ {'account_id': '9rNKomMMdWTvVL4X9RP6UKb4qEqng1uJJ6nQw',
+  'name': 'Plaid Credit Card',
+  'subtype': 'credit'
+  ...}]
+>>> len(some_transactions['transactions'])
+100
+```
+## Get **The Right** Transactions
+
+Looking at the transactions themselves, we see that there is a `category` field which sometimes has a list of values,
+sometimes `None`.  Among the categories there are "Transfer", "Credit Card", and "Deposit": These aren't going to be
+useful in gleaning spending activity, so we'll refactor our `get_some_transactions` function to 1) skip transactions
+with those categories and 2) skip accounts with a subtype of "savings" or "cd".  Let's also 3) make sure to get all
+available transactions by using pagination and 4) just return transactions.
+
+```python
+>>> some_transactions['transactions'].keys()
+dict_keys(['account_id', 'account_owner', 'amount', 'category', 'category_id', 'date', 'location', 'name', 'payment_meta', 'pending', 'pending_transaction_id', 'transaction_id', 'transaction_type'])
+>>> {category for transaction in some_transactions['transactions'] if some_transactions['category'] for category in trans['category']} 
+{'Airlines and Aviation Services',
+ 'Coffee Shop',
+ 'Credit Card',
+ 'Deposit',
+ 'Fast Food',
+ 'Food and Drink',
+ 'Payment',
+ 'Restaurants',
+ 'Transfer',
+ 'Travel'}
+```
+
+[get_some_transactions_v2.py](https://github.com/zevaverbach/spending_summary/blob/master/get_some_transactions_v2.py)
+
+```python
+import math
+...
+# https://plaid.com/docs/api/#transactions
+MAX_TRANSACTIONS_PER_PAGE = 500
+OMIT_CATEGORIES = ["Transfer", "Credit Card", "Deposit"]
+
+
+def get_some_transactions(access_token: str, start_date: str, end_date: str) -> List[dict]:
+    account_ids = [account['account_id'] for account in plaid_client.Accounts.get(access_token)['accounts']
+                   if account['subtype'] not in ['cd', 'savings']]
+    
+    num_available_transactions = plaid_client.Transactions.get(access_token, start_date, end_date,
+                                                               account_ids=account_ids)['total_transactions']
+    num_pages = math.ceil(num_available_transactions / MAX_TRANSACTIONS_PER_PAGE)
+    transactions = []
+
+    for page_num in range(num_pages):
+        transactions += [transaction
+                         for transaction in plaid_client.Transactions.get(access_token, start_date, end_date,
+                                                                          account_ids=account_ids,
+                                                                          offset=page_num * MAX_TRANSACTIONS_PER_PAGE,
+                                                                          count=MAX_TRANSACTIONS_PER_PAGE)['transactions']
+                         if transaction['category'] is None
+                         or not any(category in OMIT_CATEGORIES
+                                    for category in transaction['category'])]
+
+    return transactions
+```
+
+Now there are just 265 transactions.  Are any of them negative?
+
+```python
+>>> pprint([transaction for transaction in some_transactions if transaction['amount'] < 0])
+[{'amount': -500,
+  'category': ['Travel', 'Airlines and Aviation Services'],
+  'name': 'United Airlines',
+  'transaction_type': 'special',
+  ...},
+  ...]
+```
+
+Okay, that seems legit -- airfare refund, I guess.  Let's keep negative items in.
+
+## Pulling it All Together
+
+Now let's get all the transactions from yesterday, making sure to pull them from both accounts.
+
+[get_yesterdays.py](https://github.com/zevaverbach/spending_summary/blob/master/get_yesterdays.py)
+
+```python
+...
+def get_yesterdays_transactions() -> List[dict]:
+    yesterday = ('2017-05-16' if os.getenv('PLAID_ENV') == 'sandbox'
+                 else (datetime.date.today() - datetime.timedelta(days=1)).strftime('%Y-%m-%d'))
+
+    transactions = []
+
+    for access_id in [os.getenv('CHASE_ACCESS_TOKEN'), os.getenv('BOFA_ACCESS_TOKEN')]:
+        transactions += get_transactions_from_multiple_accounts(access_id, yesterday, yesterday)
+        
+    return transactions
+```
+
+As of 5/24/2017, the most recent transactions available in these sandbox accounts are from 5/16/17: Hence, the hardcoded
+`yesterday` value above.
+
+Let's send an SMS to ourselves with the total spent yesterday!
+
+[send_summary.py](https://github.com/zevaverbach/spending_summary/blob/master/send_summary.py)
+
+```python
+...
+from twilio.rest import Client as TwilioClient
+
+twilio_client = TwilioClient(os.getenv('TWILIO_SID'), os.getenv('TWILIO_TOKEN'))
+
+
+def send_summary(transactions: List[dict]) -> None:
+    total_spent = sum(transaction['amount'] for transaction in transactions)
+
+    message = f'You spent ${total_spent} yesterday. 💸'
+
+    twilio_client.api.account.messages.create(to=os.getenv('MY_CELL'), from_=os.getenv('MY_TWILIO_NUM'), body=message)
+    
+
+```
+Voila!
+
+![mobile screenshot](screenshot.png)
+
+## Representing Money as a Float?
+
+You're gonna have a bad time, 'mkay?  If you build anything significant (budget tracker bot?) with the Plaid API, 
+be sure to convert those transaction amounts to Decimals:
+
+```python
+import decimal
+def convert_transaction_amount(transaction_amount):
+    return decimal.Decimal(transaction_amount)
+```
diff --git a/spending_summary.py b/spending_summary.py
new file mode 100644
index 0000000..9ca235c
--- /dev/null
+++ b/spending_summary.py
@@ -0,0 +1,60 @@
+import datetime
+import math
+import os
+from typing import List
+
+from twilio.rest import Client as TwilioClient
+
+from plaid import Client as PlaidClient
+
+# these are access IDs from Plaid for a specific bank/credit account
+ACCOUNT_ACCESS_IDS: List[str] = [os.getenv('PLAID_ACCESS_ID'), os.getenv('OTHER_PLAID_ACCESS_ID')]
+MAX_TRANSACTIONS_PER_PAGE = 500
+
+plaid_client = PlaidClient(client_id=os.getenv('PLAID_CLIENT_ID'), secret=os.getenv('PLAID_SECRET'),
+                           public_key=os.getenv('PLAID_PUBLIC_KEY'), environment=os.getenv('PLAID_ENV'))
+
+twilio_client = TwilioClient(os.getenv('TWILIO_SID'), os.getenv('TWILIO_TOKEN'))
+
+
+def get_num_available_transactions(access_id, start: str, end: str) -> int:
+    return plaid_client.Transactions.get(access_id, start, end)['total_transactions']
+
+
+def get_transactions_from_account(access_id: str, start: str, end: str) -> List[dict]:
+    transactions = []
+    num_available_transactions = get_num_available_transactions(access_id, start, end)
+    num_pages = math.ceil(num_available_transactions / MAX_TRANSACTIONS_PER_PAGE)
+
+    for page_num in range(num_pages):
+        transactions += plaid_client.Transactions.get(access_id, start, end,
+                                                      offset=page_num * MAX_TRANSACTIONS_PER_PAGE,
+                                                      count=MAX_TRANSACTIONS_PER_PAGE)['transactions']
+
+    return transactions
+
+
+def get_transactions_from_multiple_accounts(access_ids: List[str], start: str, end: str) -> List[dict]:
+    transactions = []
+    for access_id in access_ids:
+        transactions += get_transactions_from_account(access_id, start, end)
+    return transactions
+
+
+def get_yesterdays_transactions() -> List[dict]:
+    yesterday: str = (datetime.date.today() - datetime.timedelta(days=1)).strftime('%Y-%m-%d')
+    return get_transactions_from_multiple_accounts(ACCOUNT_ACCESS_IDS, yesterday, yesterday)
+
+
+def send_summary(transactions: List[dict]) -> None:
+    total_spent = sum(transaction['amount']
+                      for transaction in transactions
+                      if transaction['amount'] > 0)
+
+    message = f'You spent ${total_spent} yesterday. 💸'
+
+    twilio_client.api.account.messages.create(to=os.getenv('MY_CELL'), from_=os.getenv('MY_TWILIO_NUM'), body=message)
+
+
+if __name__ == "__main__":
+    send_summary(get_yesterdays_transactions())
diff --git a/splurgebot.md b/splurgebot.md
deleted file mode 100644
index 0393f1e..0000000
--- a/splurgebot.md
+++ /dev/null
@@ -1,5 +0,0 @@
-Budgeting.  You do it, then you stop doing it.  You wake up in a cold sweat and you start tracking your spending again.  It sucks: You stop.
-
-There are tools!  Horrible, awful tools that are glorified spreadsheets which think all your Amazon purchases go under `books`.  Much data entered, many hairs pulled out.
-
-Surely this is fodder for a bot.  
\ No newline at end of file
diff --git a/splurgebot.py b/splurgebot.py
deleted file mode 100644
index 1b92a77..0000000
--- a/splurgebot.py
+++ /dev/null
@@ -1,71 +0,0 @@
-import datetime
-import os
-import time
-from typing import List
-
-import math
-from twilio.rest import Client as TwilioClient
-
-from plaid import Client as PlaidClient
-
-CHECK_FOR_NEW_TRANSACTIONS_EVERY_X_MINUTES = 5
-ALERT_FOR_TRANSACTIONS_GTE = 500
-MY_CELL = os.getenv('MY_CELL')
-MY_TWILIO_NUM = os.getenv('MY_TWILIO_NUM')
-PLAID_ENV = os.getenv('PLAID_ENV') or 'sandbox'
-
-# this is an access ID from Plaid for a specific user and bank/credit account
-PLAID_ACCESS_ID = os.getenv('PLAID_ACCESS_ID')
-
-plaid_client = PlaidClient(client_id=os.getenv('PLAID_CLIENT_ID'), secret=os.getenv('PLAID_SECRET'),
-                           public_key=os.getenv('PLAID_PUBLIC_KEY'), environment=PLAID_ENV)
-
-twilio_client = TwilioClient(os.getenv('TWILIO_SID'), os.getenv('TWILIO_TOKEN'))
-
-transaction_ids = set()
-
-
-def get_all_transactions() -> List[dict]:
-    today = datetime.date.today().strftime('%Y-%m-%d')
-    total_transactions: int = plaid_client.Transactions.get(PLAID_ACCESS_ID, '1972-01-01', today)['total_transactions']
-    all_transactions = []
-    for page in range(math.ceil(total_transactions / 500)):
-        all_transactions += plaid_client.Transactions.get(PLAID_ACCESS_ID, '1972-01-01', today,
-                                                          offset=page * 500, count=500)['transactions']
-    return all_transactions
-
-
-def get_latest_transactions() -> List[dict]:
-    """get 100 most recent transactions"""
-    today = datetime.date.today().strftime('%Y-%m-%d')
-    return [transaction
-            for transaction in
-            plaid_client.Transactions.get(PLAID_ACCESS_ID, '1972-01-01', today)['transactions']
-            if transaction['transaction_id'] not in transaction_ids]
-
-
-def alert(transaction: dict) -> None:
-    message = (f'hey, a transaction hit your account that exceeds ${ALERT_FOR_TRANSACTIONS_GTE}: '
-               f'{transaction["date"]} {transaction["name"]} ${transaction["amount"]}')
-
-    twilio_client.api.account.messages.create(to=MY_CELL, from_=MY_TWILIO_NUM, body=message)
-
-
-def main() -> None:
-    if len(transaction_ids) == 0:
-        transaction_ids.update(transaction['transaction_id'] for transaction in get_all_transactions())
-
-    while True:
-
-        for transaction in get_latest_transactions():
-
-            transaction_ids.add(transaction['transaction_id'])
-
-            if transaction['amount'] >= ALERT_FOR_TRANSACTIONS_GTE:
-                alert(transaction)
-
-        time.sleep(CHECK_FOR_NEW_TRANSACTIONS_EVERY_X_MINUTES * 60)
-
-
-if __name__ == "__main__":
-    main()