debt-payoff
Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules.
npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Debt Payoff Skill The avalanche-vs-snowball debate has a correct answer (avalanche, arithmetically) and a true objection (plans people abandon save nobody anything) — and the only honest way to weigh them is to price the difference on the *actual* debts. Sometimes morale costs $40; sometimes it costs $4,000. This skill runs both strategies month by month with the script, shows what choosing early wins actually costs, and builds the plan around the constraint that matters most: it has to survive contact with a real budget. ## What This Skill Produces - **The head-to-head** — debt-free date and total interest for avalanche and snowball, simulated on the real debts - **The payoff order** — which debt dies when, under the chosen strategy - **The morale price tag** — what snowball's early wins cost in interest, in dollars, so the choice is informed - **The survival rules** — minimum-viable version for bad months, and the windfall protocol ## Required Inputs Ask for these if not provided: - **Every debt** — name, balance, APR, minimum payment; the plan is only as real as this list (and finding a forgotten debt later breaks more than math) - **The extra amount** — monthly money beyond t
- What This Skill Produces
- Required Inputs
- Programmatic Helper
- Framework: The Choosing Rules
- Output Format
- The Head-to-Head
- The Call
- The Payoff Order
- Survival Rules
- Quality Checks
- Anti-Patterns
python3 scripts/debt_payoff.py --debt "visa:9000:24.9:180" --debt "loan:3000:6:60" --extra 200 python3 scripts/debt_payoff.py --debt "a:2000:19:50" --debt "b:9000:6:180" --extra 150 --json
What does the debt-payoff skill do?
Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.