DebtTripwire

DebtTripwire is a mobile + web app that blocks “oops” spending that turns into credit card debt. Users connect their bank and credit cards, set a monthly “no-debt” plan (minimum savings buffer, max card utilization, and categories to throttle), and the app watches transactions in near real time. When a purchase would push them past safe limits, it triggers a tripwire: a push alert with a one-tap delay option, a cheaper alternative, and a simple rule-based lock (e.g., pause card via issuer link, or block merchant category via supported cards). It also schedules micro-paydowns on payday to keep utilization low and prevent interest. This is not a feel-good budgeting app; it’s a guardrail system that reduces the number of bad decisions, especially during high-risk moments (late night, weekends, after large bills).