Last month, I input each credit account, due date, balance due, minimum payment due, and percentage point. ChatGpt organized everything to show me the highest percentage points to get paid off first. 

A week later, I added all my January expenses from various banks and cards via screen shots, and asked the program to categorize spending. I then fine tuned expenses that were monthly, yearly (like Valentine’s Day), and 5+ years (like passport). Chat GPT created a budget. 

The following week, I added my income to the mix. 

On Sunday, I added my bank account names and balances. 

I’m GenX, so I’m just learning ChatGpt, but was purposeful about adding my fears and concerns of  paying a whopping $800/month on one card instead of paying a little extra on each and keeping enough in savings. 

\* The tool helped me understand \*why\* I needed to attack things in a certain manner and \*how.\* 

\* The tool suggested auto transfers between savings and how best to utilize different direction deposits going into different accounts.

\* Tool educated me a fair bit on likely why I was experiencing such anxiety (too many accounts, too many of transfers, lots of balances; trying to save too much first (6 months!) and the tool educated me about a more attainable amount while tackling cards and how the ‘cash back’ feature wasn’t saving me anything right now. 

I then added goals, such as 90% reduction in online spending, no more Amazon Prime, zero GrubHub, and the tool created a cushion. And some savings goals. The tool suggested using the Vaults feature I already have with SoFi, and worked through reasonable savings for each category’s 

I grew up below the poverty line, and I’ve put myself in debt trying to give myself everything I ever had; the only problem is that I’m 51 and have \*never\* had financial security. I’m still pretty scared to see what happens in March, but for the first time, I think there’s a real light at the end of the tunnel, thanks to working through all the ifs/thens with ChatGPT. I even asked how much total time spent (apps 10-13 hours). Wish me luck.  

ChaptGPT to Debt Free