pm-money

Plugin pm-money from marketplace pm-claude-skills in mohitagw15856/pm-claude-skills. Commands read from the repo's manifest — yesterday.

Skills (23)

• bank-fee-refund

  Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works. Use when asked to get a bank fee refunded, waive my overdraft fee, the bank charged me a fee, or how to get charges reversed. Produces a read on which fee

• big-purchase-timing

  Decide when to buy a big-ticket item to get the best price — the sales cycles, model-refresh timing, and 'buy now vs wait' math for the specific thing you want. Use when asked when's the best time to buy [item], should I wait for a sale, is now a good time to buy, or when do [products] go on sale. P

• budget-builder

  Build a realistic personal monthly budget from someone's income and expenses. Use when asked to make a budget, plan monthly spending, allocate income, or get finances under control. Produces a categorized budget (a 50/30/20-style allocation tuned to their reality), a surplus/shortfall number, and co

• class-action-claim-finder

  Work out whether you're eligible for a class-action settlement or refund program — and actually file the claim before the deadline. Use when asked am I owed money from a settlement, is there a class action for [product/company], how do I claim a settlement, or did I qualify for that refund. Produces

• debt-collector-response

  Respond to a debt collector correctly — know your rights, make them prove the debt, and avoid the mistakes that reset the clock or admit liability. Use when asked how to deal with a debt collector, a collection agency is contacting me, is this debt real, or respond to a collections letter. Produces

• debt-payoff-plan

  Build a debt-payoff plan across multiple debts using the avalanche or snowball method. Use when asked to pay off debt, tackle credit cards/loans, or choose between avalanche and snowball. Produces an ordered payoff schedule, the total interest and time for each method, and a clear recommendation. Ed

• estate-planning-kit

  Get your affairs in order before you need to — a will/beneficiary/healthcare-directive checklist and the 'what my family needs to find' document, in the right order. Use when asked to help with estate planning, make a will checklist, get my affairs in order, or prepare what my family needs if someth

• expense-audit

  Audit spending to find leaks — recurring subscriptions, creep, and cuttable costs — ranked by impact. Use when asked to cut expenses, review subscriptions, find where money is going, or free up cash. Produces a categorized spend breakdown, a ranked list of cuts with dollar amounts, and the annualize

• gift-card-recovery

  Reclaim value stuck in gift cards, store credit, and forgotten balances — check what's left, use it before it's lost, and know your rights on expiry and cash-back. Use when asked to use up a gift card, I have store credit I forgot about, do gift cards expire, or get cash for a gift card. Produces a

• hidden-fee-auditor

  Scan a bill, contract, or quote for junk and hidden fees — the padding buried in the fine print — and get them questioned or removed. Use when asked to check this bill for hidden fees, are these charges legit, what am I actually paying for, or review this quote for junk fees. Produces a line-by-line

• investing-policy-statement

  Draft a personal investing policy statement (IPS) — the rules someone sets for their own investing. Use when asked to define an investment strategy, set a target asset allocation, or write rules to avoid panic-driven decisions. Produces a structured IPS: goals, risk tolerance, target allocation, con

• lower-my-bill

  Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no. Use when asked to lower my bill, negotiate my internet/phone bill, my provider raised my price, or

• microloan-comparison

  Compare small loans from microfinance institutions, lending apps, savings groups and moneylenders by what they really cost, including flat versus reducing-balance interest, fees, compulsory savings and group guarantees. Use when someone says 'which microloan is cheaper', 'is this lending app a good

• money-priorities-order

  Decide where your next dollar should go — the order to tackle emergency fund, high-interest debt, retirement match, and saving/investing — so you stop guessing and build momentum. Use when asked what should I do with my money first, pay off debt or save, where to put extra money, or help me prioriti

• net-worth-statement

  Produce a personal net-worth statement — assets minus liabilities — and a way to track it. Use when asked to calculate net worth, summarize finances, or set up net-worth tracking. Produces a categorized assets/liabilities statement, the net-worth figure, liquidity and debt ratios, and a tracking cad

• price-match-request

  Get a retailer to match a lower price you found — or refund the difference when the price drops right after you bought — with the request written and the exact proof to show. Use when asked for a price match, I found it cheaper somewhere else, the price dropped after I bought it, or can I get a pric

• rewards-optimizer

  Figure out the best card or payment route for a purchase (or your everyday spending) to maximize cashback/points — without overspending or drowning in complexity. Use when asked which card should I use for [purchase], maximize my credit card rewards, best card for [category], or optimize my points.

• savings-goal-plan

  Turn a savings goal into a month-by-month funding plan. Use when asked to save for something (emergency fund, house deposit, trip, big purchase), or to figure out how much to set aside each month. Produces the required monthly contribution, a timeline, milestones, and trade-offs if the target date i

• tax-deduction-finder

  Surface the personal tax deductions and credits you might be missing — so you can research them or raise them with your tax preparer before you file. Use when asked what tax deductions can I claim, am I missing any tax breaks, deductions for [job/situation], or help me lower my tax bill. Produces a

• unclaimed-money-tracer

  Track down money that's yours but forgotten — dormant accounts, old deposits, uncashed checks, lost pensions, insurance payouts, and unclaimed-property funds. Use when asked to find unclaimed money, is there money owed to me, find a lost account/pension, or search unclaimed property. Produces a chec

• utility-switch-advisor

  Decide whether to switch energy, broadband, or mobile providers — compare the real total cost, dodge the traps, and time it right. Use when asked should I switch energy/broadband/mobile providers, compare utility deals, is this a good energy tariff, or help me switch and save. Produces an apples-to-

• warranty-claim

  Get a broken product repaired, replaced, or refunded under warranty — with the claim message written, the proof to attach, and the consumer-law backstop for when 'out of warranty' isn't the whole story. Use when asked to make a warranty claim, my [product] broke and it's still under warranty, the ma

• windfall-plan

  Make a smart plan for a lump sum — a bonus, inheritance, tax refund, settlement, or sale — so it builds your future instead of evaporating into lifestyle. Use when asked what should I do with a windfall, I came into some money, how to use a bonus/inheritance/tax refund, or don't want to waste this m

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