AB 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, tackle my credit cards or loans, 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. Educational, not regulated financial advice.
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…
As a process B 67/100 · Nearly there — weak spots: when it triggers, failures and branches, running it twice
The same skill appears in 1 more place: pm-claude-skills
How to improve
- Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
- A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.
Guard findings · 0
✓ No critical or high findings
Files scanned: 2. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
✓ No remarks against the Agent Skills spec
Process rating: all ten parameters 67/100
- 0Failures and branches. Linear process with no failure handling
- 0Progress reporting. Says nothing while it works
- 20When it triggers. No condition that starts the skill
- 30Running it twice. 4 mutating operations with no state check
- 60Result and completion. Output format stated, no completion criterion
- 70Inputs and preconditions. Inputs and preconditions are listed
- 100Tools and files. No external tools needed
- 100Steps. 23 steps
- 100Consistency. Name and required fields are in place
- 100Execution cost. Instruction body is 1200 tokens
- low 11 top-level sections: this looks like several domains in one skill
Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.
Quality signals
- +5Description has no quoted example phrases that should trigger the skill
- +4Description does not say when NOT to use the skill (false activations)
- +1No license
- +2Single-language instructions
- +3Description length 541: enough signal without eating the budget
- +4Structure: 13 headings
- +3Step-by-step instructions: 23 items
- +3Output format is stated explicitly
- +4Has examples (1 code blocks)
- +3All 1 scripts are documented
Quality base 70; lint remarks subtract, signals add up to 100. Result: 90.