Debt Payoff

---
version: "2.0.0"
name: debt-payoff
description: "还债策略工具。还款计划、雪球法、雪崩法、债务合并、协商技巧、还清时间线。Debt payoff planner with payment plan, snowball, avalanche, consolidation, negotiation tips."
author: BytesAgain
homepage: https://bytesagain.com
source: https://github.com/bytesagain/ai-skills
---
# debt-payoff

还债策略工具。还款计划、雪球法、雪崩法、债务合并、协商技巧、还清时间线。Debt payoff planner with payment plan, snowball, avalanche, consolidation, negotiation tips, payoff timeline.

## 常见问题

**Q: 这个工具适合谁用？**
A: 任何需要debt-payoff的人，无论是个人还是企业用户。

**Q: 输出格式是什么？**
A: 主要输出Markdown格式，方便复制和编辑。

## 可用命令

- **credit-card** — credit card
- **loan** — loan
- **mortgage** — mortgage
- **medical** — medical
- **credit-card** — credit card
- **loan** — loan
- **mortgage** — mortgage
- **medical** — medical

## 专业建议

- 雪球法**（Snowball）：先还最小的债务 → 快速获得成就感 → 适合需要心理激励的人
- 雪崩法**（Avalanche）：先还利率最高的 → 总利息最少 → 适合理性型选手
- 先建应急基金**：至少存1-2个月开销，避免还债期间又借新债
- 停止新增债务**：冻结信用卡，只用现金/借记卡
- 增加收入**：兼职、副业、卖闲置，加速还款

---
*debt-payoff by BytesAgain*
---
💬 Feedback & Feature Requests: https://bytesagain.com/feedback
Powered by BytesAgain | bytesagain.com

## Examples

```bash
# Show help
debt-payoff help

# Run
debt-payoff run
```

## Commands

Run `debt-payoff help` to see all available commands.