I Asked ChatGPT How To Become Financially Smart In 30 Days, Here’s What It Said

Financial literacy is a life skill. It is very crucial to make a wise financial decision and to avoid purchasing items which are not much of use. Struggling with the same issue, I sought help from ChatGPT, and it helped me become financially smarter in a month; here’s the result. How To Become Financially Smart In 30 DaysBecoming financially smart does not require advanced knowledge of finance or large investments. With consistent, structured effort over 30 days, anyone can build strong financial habits, improve money management skills, and make informed decisions. This guide breaks the process into simple, practical steps to help develop financial awareness and discipline within a month.Week 1: Build Financial AwarenessTrack all income and expenses

to understand spending patterns.Categorise expenses into essentials, discretionary spending, and savings.Review bank statements and digital wallets to identify unnecessary costs.Learn basic financial terms such as budgeting, interest, credit score, and inflation.Week 2: Create a Practical BudgetSet a realistic monthly budget based on actual income and expenses.Allocate funds for necessities, savings, and discretionary spending.Follow a simple budgeting method such as the 50/30/20 rule or a customised plan.Set short-term financial goals, such as reducing expenses or increasing savings.Also Read: I Asked ChatGPT To Make Me More Productive, Here’s What It SaidWeek 3: Strengthen Saving and Debt HabitsStart an emergency fund, even with a small amount.Automate savings where possible to ensure consistency.Review existing debts and understand interest rates and repayment schedules.Avoid unnecessary credit usage and prioritise timely payments.Week 4: Learn Smart Financial PracticesUnderstand different saving and investment options suitable for beginners.Learn the importance of insurance and financial protection.Review and optimise recurring expenses such as subscriptions and utilities.Monitor progress and adjust the budget if required.End of 30 Days: Review and Plan AheadAssess improvements in spending, saving, and financial awareness.Identify habits that need consistency and areas for further improvement.Set long-term financial goals and plan monthly reviews to stay on track.ChatGPT has suggested some great tricks on savings, the 50/30/20 rule and monthly financial reviews. I feel this is something which will help you to keep yourself on track and mindfully decide the expenses that can be skipped. This clean, well-structured plan has enlightened me with these 4-week plans. I like how it started off by asking me to prioritise as per my needs and wants. Often, there are items we end up buying which can be avoided and are not the priority at that time. Instead, spending on something which we actually require is a great hack. Limiting usage of my credit card and starting to save while maintaining an emergency fund can be really beneficial for the future.