DebtFix
Visitors work out what their debt actually costs before they contact anyone. The calculator answers that first question, so you are not paying a person to answer it.
Arnel Colar
Finance and debt-relief sites that answer the visitor's first question, so fewer people have to ask you for it.
One person designs it and writes the code. That is the designer-to-developer handoff you stop paying for and managing.
Based in the Philippines (UTC+8). I reply within one working day.
- 3 sitesClient sites in production, still maintained by me
- 1 personSketch to deploy, no handoff, no agency markup
- 1,379 pagesManual indexed, answers in about 3 seconds
Selected work
12Live client workFinance and debt relief
WisestWallet
A slow theme was blocking an advertiser's approval. I rebuilt the theme, added four calculators, and rewrote the older posts whose claims had no sources.
Resource Help Network
Step-by-step guides on bills, credit, jobs and health coverage, built as a WordPress theme and grouped into topic hubs. A new guide inherits the layout instead of starting from scratch.
Automation and support toolsSmall teams, in apps they already use
Docs-only chatbot
Every price, spec or policy question your team re-answers is paid time. This answers them from your own PDF, names the page it used, and says so when the document does not cover it. Tested on a 1,379-page scanned manual.
Corner Cup Bot
Orders, stock and supplier receipts logged from Telegram, priced from a menu sheet. It replaces the notebook and the end-of-day tally, and a photo of a receipt becomes an itemised cost instead of a manual entry.
Tap to Post
Captions drafted in the shop's voice, checked against the actual photo, then approved or rejected in one tap. It removes the blank page and blocks a caption that describes a cake which is not in the picture.
Own projects, templates and studiesBuilt to test, and to show the work
Halcyon H16
A launch page for a 16-inch laptop. Sticky section nav with scrollspy, a pinned display story, and swipeable feature cards.
Wardline
A dark page for a household protection plan. An animated network hero, an eight-layer feature explorer, pricing tiers, and a three-step setup flow.
Vaultledger
A page for developers evaluating a ledger and tokenization API. Code samples sit beside uptime stats, and a vault panel shows card numbers swapped for tokens.
Finance Site
A consumer finance hub across four pages: credit cards, banks, insurance and retirement, with comparison tables and an accessibility pass on every page.
Pawgoods
A storefront with no build step: one config file, a local-storage cart, and a margin check that fails a product you cannot sell at a profit.
NOOK
A furniture shopping app. The case study covers the problem, user flow, wireframes, and a design system. The prototype runs in your browser.
What you get
04-
01
Calculators that answer before the call
Debt cost, payoff dates, emergency fund targets and credit utilisation, in plain JavaScript. The visitor gets their number on the page, so you are not paying a person to answer it first.
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02
A theme built for one site
No marketplace theme carrying features you never use. Faster pages help an advertiser approve you, and a new guide or topic page inherits the layout instead of starting from scratch.
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03
Pages that ship without a build step
HTML, CSS and JavaScript, written by hand. The page you approve is the page that goes live, and there is no build pipeline to maintain after handover.
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04
Repeat questions answered from your own PDF
A chat assistant that cites the page it used and admits what the document does not cover. Orders and expenses go from a Telegram message to a Google Sheets row, in the app staff already have open.
- TOOLS
HTML5
CSS
JavaScript
PHP
WordPress
Next.js
React
Apps Script
Telegram Bot API
n8n
Meta Graph API
Python
FastAPI
LangChain
Docker
Git
How we work together
03- 01
Scope
One call, fixed scope, fixed price. You get the page list and the number before I start.
- 02
Approve
I sketch, you approve, I build. One revision round is included, so there is no hourly surprise.
- 03
Launch
Live on the date we agree. You own the code and the repo, and small changes after launch are a flat fee.
Before you ask
04- How much does it cost?
- A fixed fee from the scope. You get the number before I start, and it does not move unless the scope does.
- How long does it take?
- We agree a launch date at the start and I work to it.
- Who owns the code?
- You do. The repo is handed over at launch.
- What about changes after launch?
- Small changes are a flat fee. Larger work is a new, separately quoted scope.
About
Design and code, from one person.
You deal with the person doing the work. No account manager, no handoff, no surprise invoice: the quote is the price.
Most of my client work is in personal finance and debt relief. Those readers are careful with money, so I keep pricing plain and disclaimers honest.