feat(bot): add reminders topic binding command

docs/roadmap.md

@@ -89,12 +89,13 @@ Goal: automate key payment reminders.
 Deliverables:
 
 - Cloud Scheduler jobs.
-- Reminder handlers for day 3/4 utilities, day 17 rent notice, day 20 due date.
+- Reminder handlers that evaluate per-household utility and rent reminder dates.
 - Dedicated topic posting for reminders.
 
 Exit criteria:
 
 - Scheduled reminders fire reliably.
+- Household billing settings control when reminders are delivered.
 - Duplicate sends are prevented.
 
 ## Phase 4 - Mini App V1

docs/runbooks/dev-setup.md

@@ -66,6 +66,7 @@ bun run review:coderabbit
   - purchase ingestion requires `DATABASE_URL` plus a bound purchase topic via `/bind_purchase_topic`
   - anonymous feedback requires `DATABASE_URL` plus a bound feedback topic via `/bind_feedback_topic`
   - reminders require `DATABASE_URL` plus `SCHEDULER_SHARED_SECRET` or `SCHEDULER_OIDC_ALLOWED_EMAILS`
+    and optionally use a dedicated reminders topic via `/bind_reminders_topic`
   - mini app CORS can be constrained with `MINI_APP_ALLOWED_ORIGINS`
 - Migration workflow is documented in `docs/runbooks/migrations.md`.
 - First deploy flow is documented in `docs/runbooks/first-deploy.md`.

docs/specs/HOUSEBOT-004-reminders-and-scheduler.md

@@ -17,7 +17,7 @@ Schedule and deliver household billing reminders to dedicated Telegram topics.
 
 ## Scope
 
-- In: scheduler endpoints, reminder generation, send guards.
+- In: scheduler endpoints, reminder generation, send guards, per-household reminder eligibility.
 - Out: full statement rendering details.
 
 ## Interfaces and Contracts
@@ -30,10 +30,11 @@ Schedule and deliver household billing reminders to dedicated Telegram topics.
 
 ## Domain Rules
 
-- Utilities reminder target: day 3 or 4 (configurable).
-- Rent warning target: day 17.
-- Rent due target: day 20.
+- Utilities reminder target: household-configured utilities reminder day.
+- Rent warning target: household-configured rent warning day.
+- Rent due target: household-configured rent due day.
 - Duplicate-send guard keyed by household + cycle + reminder type.
+- Scheduler should run on a daily cadence and let the application decide which households are due today.
 
 ## Data Model Changes
 

docs/specs/HOUSEBOT-075-multi-household-reminder-delivery.md

@@ -48,6 +48,6 @@ Reminder jobs must not require:
 
 ## Follow-ups
 
-- per-household reminder settings
+- daily scheduler cadence in infrastructure defaults
 - localized reminder copy using persisted household/member locale
 - scheduler fan-out observability metrics