Transactions If there is transaction_recurr, then EITHER transaction_status must include date OR that status will be the default. Input transaction screen must allow choosing between expenses or incomes. Default transaction name (Expense at 00h00m / Income at 00h00m)? Guess place name automatically (google service)?

SMS pattern Pre-configured sms come with account null, which means they're inactive. Add active flag? if sms pattern field types contain (id_user, id_account or id_category), then