Build a simple monthly budget, find where your money is going, or lay out a debt payoff plan. Use rounded numbers and never paste account numbers, passwords or card details into an AI chat.
| # | Prompt | Use it when | Open |
|---|---|---|---|
| 1 | Build a Simple Monthly Budget | When you have never made a budget or your old one stopped working. | Open → |
| 2 | Find Where My Money Is Going | When money seems to disappear by the end of the month. | Open → |
| 3 | Make a Debt Payoff Plan | When you have more than one debt and are not sure which to pay first. It compares the avalanche and snowball methods using your own numbers. | Open → |
| 4 | Prepare to Cancel a Subscription or Lower a Bill | When a subscription or bill keeps creeping up. It gives you a phone script, things to ask for, answers to the usual pushback and a short email version. | Open → |
| 5 | Plan an Emergency Fund | When you want a safety net but do not know how big it should be. It works out a first goal and a longer one from your own numbers and shows how long each would take. | Open → |
| 6 | Save for a Big Goal | When you have a big goal and a date. It works out whether your monthly amount gets you there, offers three options if not and gives you a tracker to copy into a spreadsheet. | Open → |
| 7 | Understand a Financial Term or Document | When a letter or contract is full of jargon. It explains the terms in everyday words with an example, points out what to check in the fine print and says what to ask the company. | Open → |
| 8 | Get My Paperwork Ready for Tax Season | When tax season is coming and your paperwork is scattered. It builds a checklist of documents, a filing structure, questions for your preparer and a timeline. | Open → |
| 9 | Budget with an Irregular Income | When your pay is different every month. It builds a budget on a low month, decides what to do with the extra in good months and shows how to pay yourself a steady amount. | Open → |
| 10 | Spot a Money Scam Before I Fall for It | When a message or call feels off. It lists the warning signs, explains how this type of scam usually works and tells you the safe next step. | Open → |
No. These prompts help you organise your own numbers. For big decisions such as taxes, investing or loans, talk to a licensed professional.
Rounded monthly amounts are enough: income, rent, groceries, debts and their interest rates. Leave out account numbers and anything that identifies you.
Tell us what you need help with. We write the ones people ask for most.
For an adult to run with a child, or for teens to use themselves. How old do you have to be to use AI?
Pick what you want help with.