Credit & Debt Management Tracker

You know you have debt. You know you're paying interest. But every time you sit down to figure out a real plan, it turns into a spreadsheet nightmare and you close the tab.

Install this and your claw becomes your personal debt command center. Tell it your balances, rates, and minimums — it maps your fastest path to zero, tells you exactly which card to attack first, and keeps a running countdown to debt-free day. Show a friend and they'll want it immediately.

This isn't just your claw doing math. It has avalanche and snowball strategies baked in, handles edge cases like balance transfers and variable rates, and gives you recommendations that a financial advisor would charge $200/hour for.

What's included:

• credit_debt_tracker.skill — the core skill file
• payoff_strategies.json — avalanche, snowball, and hybrid logic
• debt_summary_template.md — clean, shareable payoff report

Just drop it in your OpenClaw — no setup needed.