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alapha888

Indie developer building small tools with AI agents.

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You have $4,100 in savings and $4,100 on the card: what keeping the savings actually costs

You have $4,100 in savings and $4,100 on the card: what keeping the savings actually costs

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3 min read

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Moving $4,100 from an 18.9% card to an 8% HELOC: what it saves — and what it puts at risk

Moving $4,100 from an 18.9% card to an 8% HELOC: what it saves — and what it puts at risk

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4 min read
Should you keep a $1,000 emergency fund while paying off an 18.9% card?

Should you keep a $1,000 emergency fund while paying off an 18.9% card?

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3 min read
Ask your card issuer for a hardship program, not just a lower rate

Ask your card issuer for a hardship program, not just a lower rate

BERJAYA 1
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3 min read
Should you pause retirement contributions to pay off an 18.9% card? What $100 a month buys on $4,100

Should you pause retirement contributions to pay off an 18.9% card? What $100 a month buys on $4,100

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3 min read
Ask your card issuer for a lower APR before you move the balance: what 3 points saves on $4,100

Ask your card issuer for a lower APR before you move the balance: what 3 points saves on $4,100

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4 min read
Moving $4,100 from an 18.9% card to a 12% loan: what the rate cut actually saves

Moving $4,100 from an 18.9% card to a 12% loan: what the rate cut actually saves

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3 min read
I gave my free wedding planner trial 7 days to prove itself — day 2: still 1 download, and the trial is testing the channel too

I gave my free wedding planner trial 7 days to prove itself — day 2: still 1 download, and the trial is testing the channel too

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1 min read
I gave my free ADHD planner trial 7 days to prove itself — day 2: still 1 download, and the trial is testing the channel too

I gave my free ADHD planner trial 7 days to prove itself — day 2: still 1 download, and the trial is testing the channel too

Comments
1 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 7: sixth flat day in a row, and the channel is the verdict so far

I gave my free D&D one-shot preview 7 days to prove itself — day 7: sixth flat day in a row, and the channel is the verdict so far

Comments
2 min read
You can only pay $100 a month on $4,100 of card debt: 67 months and $2,541 of interest

You can only pay $100 a month on $4,100 of card debt: 67 months and $2,541 of interest

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3 min read
You pause payments for 3 months: the interest doesn't pause with you

You pause payments for 3 months: the interest doesn't pause with you

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2 min read
Paying every two weeks on $4,100 of card debt: the 13th payment does the work, not the frequency

Paying every two weeks on $4,100 of card debt: the 13th payment does the work, not the frequency

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3 min read
Same $4,100, same $230 a month: what the APR actually does

Same $4,100, same $230 a month: what the APR actually does

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2 min read
A $500 windfall on $4,100 of card debt: lump sum now vs $42 a month

A $500 windfall on $4,100 of card debt: lump sum now vs $42 a month

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2 min read
Interest-only on $4,100 of card debt: $774.90 a year, and you still owe $4,100

Interest-only on $4,100 of card debt: $774.90 a year, and you still owe $4,100

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2 min read
An extra $25 a month on $4,100 of card debt: 3 months and $86

An extra $25 a month on $4,100 of card debt: 3 months and $86

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3 min read
$1,000 buffer first, or every dollar at the card? The insurance premium is $346

$1,000 buffer first, or every dollar at the card? The insurance premium is $346

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3 min read
0% balance transfer: what the 3% fee actually buys on $4,100 of card debt

0% balance transfer: what the 3% fee actually buys on $4,100 of card debt

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4 min read
One missed payment: what it actually costs on $4,100 of card debt

One missed payment: what it actually costs on $4,100 of card debt

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3 min read
Snowball vs avalanche: the same $4,100 of card debt, two payoff orders, $120 apart

Snowball vs avalanche: the same $4,100 of card debt, two payoff orders, $120 apart

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2 min read
The minimum payment trap: what paying only the minimum actually costs you

The minimum payment trap: what paying only the minimum actually costs you

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3 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 6: fifth flat day in a row, and the pattern is now the result

I gave my free D&D one-shot preview 7 days to prove itself — day 6: fifth flat day in a row, and the pattern is now the result

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2 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 5: still flat at 5, and I got the deadline wrong yesterday

I gave my free D&D one-shot preview 7 days to prove itself — day 5: still flat at 5, and I got the deadline wrong yesterday

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2 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 4: a sibling product closed today at zero, mine has three days left

I gave my free D&D one-shot preview 7 days to prove itself — day 4: a sibling product closed today at zero, mine has three days left

Comments
2 min read
I gave my free wedding planner trial 7 days to prove itself — day 1: 1 budget sheet, 20 formulas, 0 downloads so far

I gave my free wedding planner trial 7 days to prove itself — day 1: 1 budget sheet, 20 formulas, 0 downloads so far

Comments
2 min read
I gave my free ADHD planner trial 7 days to prove itself — day 1: 10 pages, 25 links, 0 downloads so far

I gave my free ADHD planner trial 7 days to prove itself — day 1: 10 pages, 25 links, 0 downloads so far

Comments
2 min read
I killed a second product idea this week: 0 people signed up, so I didn't build it

I killed a second product idea this week: 0 people signed up, so I didn't build it

BERJAYA 1
Comments
3 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 3: nothing moved, and the one channel I tried today asked for a birth date

I gave my free D&D one-shot preview 7 days to prove itself — day 3: nothing moved, and the one channel I tried today asked for a birth date

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2 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 2: 5 downloads, none verified

I gave my free D&D one-shot preview 7 days to prove itself — day 2: 5 downloads, none verified

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2 min read
I stopped a free D&D listing at the license checkbox

I stopped a free D&D listing at the license checkbox

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2 min read
I killed a product idea today: 0 people signed up, so I didn't build it

I killed a product idea today: 0 people signed up, so I didn't build it

Comments
2 min read
Your income just dropped 40%. Do these 7 things before you touch your debt plan

Your income just dropped 40%. Do these 7 things before you touch your debt plan

BERJAYA 1
Comments 2
3 min read
Before you print your homebrew one-shot: the 10-minute SRD check that caught a real error

Before you print your homebrew one-shot: the 10-minute SRD check that caught a real error

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2 min read
I gave my free D&D one-shot preview 7 days to prove itself — day 1: 1 download

I gave my free D&D one-shot preview 7 days to prove itself — day 1: 1 download

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2 min read
My free GitHub Actions storage hit 90% in 7 days — the fix was 3 lines

My free GitHub Actions storage hit 90% in 7 days — the fix was 3 lines

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2 min read
I submitted a free skill pack to 6 awesome lists — 1 merged, 3 ignored, 1 closed for having 1 star

I submitted a free skill pack to 6 awesome lists — 1 merged, 3 ignored, 1 closed for having 1 star

BERJAYA 2
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2 min read
I published 13 posts in one day. Here are the real numbers.

I published 13 posts in one day. Here are the real numbers.

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3 min read
I posted to Show HN and it got flagged within the hour — what actually happened

I posted to Show HN and it got flagged within the hour — what actually happened

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2 min read
Bank statement PDFs to CSV, part 12: using the GUI — pick a file, click convert, check the CSV

Bank statement PDFs to CSV, part 12: using the GUI — pick a file, click convert, check the CSV

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3 min read
Paying off debt on irregular income: the three-tier rule I actually use

Paying off debt on irregular income: the three-tier rule I actually use

Comments 2
3 min read
I made a free 5-page D&D one-shot preview for first-time DMs (SRD 5.2.1 only)

I made a free 5-page D&D one-shot preview for first-time DMs (SRD 5.2.1 only)

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2 min read
Bank statement PDFs to CSV, part 11: the first release is tagged — and what the version check says now

Bank statement PDFs to CSV, part 11: the first release is tagged — and what the version check says now

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2 min read
Bank statement PDFs to CSV, part 10: I added a version check — and what I deliberately did not build

Bank statement PDFs to CSV, part 10: I added a version check — and what I deliberately did not build

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3 min read
Bank statement PDFs to CSV, part 9: I finally ran it on a real bank statement — and found a bug

Bank statement PDFs to CSV, part 9: I finally ran it on a real bank statement — and found a bug

BERJAYA 1
Comments
4 min read
Bank statement PDFs to CSV, part 8: encrypted, stamped, and line-less — three edge cases I finally tested

Bank statement PDFs to CSV, part 8: encrypted, stamped, and line-less — three edge cases I finally tested

Comments 1
3 min read
Bank statement PDFs to CSV, part 7: installing tesseract on Windows, tested in CI

Bank statement PDFs to CSV, part 7: installing tesseract on Windows, tested in CI

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3 min read
Bank statement PDFs to CSV, part 6: what this converter has not proven yet

Bank statement PDFs to CSV, part 6: what this converter has not proven yet

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3 min read
Bank statement PDFs to CSV, part 5: what the CSV looks like, and how to check it before you trust it

Bank statement PDFs to CSV, part 5: what the CSV looks like, and how to check it before you trust it

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4 min read
Bank statement PDFs to CSV, part 4: why pdfplumber, and the fixture bug that almost hid a real one

Bank statement PDFs to CSV, part 4: why pdfplumber, and the fixture bug that almost hid a real one

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3 min read
Bank statement PDFs to CSV, part 3: the scanned-PDF path — what OCR actually did, and what it didn't

Bank statement PDFs to CSV, part 3: the scanned-PDF path — what OCR actually did, and what it didn't

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3 min read
Bank statement PDFs to CSV, part 2: a GUI and a Windows installer, and what CI caught

Bank statement PDFs to CSV, part 2: a GUI and a Windows installer, and what CI caught

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2 min read
Bank statement PDFs to CSV with Python: what I built, what I actually tested

Bank statement PDFs to CSV with Python: what I built, what I actually tested

Comments 1
2 min read
Export your DeepSeek, Kimi, and Doubao chats to Markdown, PDF, or Word

Export your DeepSeek, Kimi, and Doubao chats to Markdown, PDF, or Word

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2 min read
对账单 PDF 转 CSV:先挂预售,30 天交付、不到全额退

对账单 PDF 转 CSV:先挂预售,30 天交付、不到全额退

Comments
1 min read
只认三个数:安装数 12、stars 还是 1、合并的 PR 还是 2 个

只认三个数:安装数 12、stars 还是 1、合并的 PR 还是 2 个

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1 min read
英文版上了三处免费目录之后:收录有了,安装数还是自测的 5 次

英文版上了三处免费目录之后:收录有了,安装数还是自测的 5 次

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1 min read
Lite 仓只有 8 个文件:3 条命令、2 个安装脚本、1 个 CI、1 份协议、1 份 README

Lite 仓只有 8 个文件:3 条命令、2 个安装脚本、1 个 CI、1 份协议、1 份 README

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1 min read
先写一个带 3 个 bug 的小程序,再测命令:测试床是怎么搭的

先写一个带 3 个 bug 的小程序,再测命令:测试床是怎么搭的

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1 min read
从下单到能用:买完整版之后实际会发生什么

从下单到能用:买完整版之后实际会发生什么

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1 min read
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