ChatGPT’s budget tips you’ll love

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Hello AI Enthusiasts,

Welcome to another exciting edition of The AI Pro Max!

Ever feel like budgeting is a juggling act—trying to save, tackle debt, and still leave room for the good stuff that makes life fun?

You’re definitely not alone!

We all want to be smart with money without feeling like we have to live like monks.

That’s why I came up with a handy ChatGPT prompt to help you build a budget that works for your life, not someone else’s.

This prompt is like your budgeting sidekick.

It'll cover everything: income, savings goals, debts, and even those little luxuries you don’t want to give up.

Think of it as your go-to formula for making money work for you—no calculators or complex spreadsheets needed.

I want to create a budgeting plan that lets me save, cover expenses, and still enjoy some extras without blowing my budget. Here’s my situation:

Income: I make about [amount] each month.

Expenses: My main expenses include [list major expenses, like rent, groceries, etc.]. But I’d also like to have room for fun stuff like [mention hobbies or treats].

Savings Goals: I’m saving up for [e.g., emergency fund, big trip, retirement]. Could you help me figure out how much to set aside monthly?

Debt Management: I owe around [amount], with monthly payments of [amount]. Can you show me how to tackle this debt without wrecking my savings?

Tracking Tools: Any simple app or method you’d suggest for keeping tabs on my spending and progress?

Whether you’re hoping to save up, pay down debt, or just understand your money a bit better, this prompt can kickstart a plan that fits you.

Go ahead, give it a try!

And remember, budgeting isn’t all or nothing—it’s about finding what works and rolling with it.

Check out these budget apps

YNAB: If you’re serious about planning every dollar (and not just tracking where it’s gone), YNAB’s got you covered. It uses a zero-based budgeting system, which basically means you’re giving each dollar a job. Not sure about the math? YNAB makes it clear—no dollar is left without a purpose.

Goodbudget: Think of Goodbudget like digital cash envelopes. You get to “stuff” virtual envelopes with portions of your monthly income, which helps keep you on track. It’s great if you want a straightforward way to split your spending categories without getting too fancy.

EveryDollar: For a zero-based budget that doesn’t feel like a full-time job, EveryDollar is a solid choice. It’s simple, easy, and still keeps you on top of things without too many extra bells and whistles. Perfect if YNAB feels a bit much!

Empower Personal Dashboard: Formerly Personal Capital, Empower leans more toward investments, but it’s still handy if you want a free way to keep tabs on your spending. A good one if you’re curious about both budgeting and investing but don’t want to juggle multiple apps.

PocketGuard: Less can be more, and PocketGuard knows it. It’s not packed with features, but that’s kind of the charm. This app simplifies things down to essentials, so you’re not drowning in options—just focusing on what’s left “in your pocket.”

Made it to the end? Awesome! Let’s keep in touch on Twitter.

Reply to this email for any feedback, suggestions, or inquiries.

See you in our next edition!😎

Farhan