I gave ChatGPT my monthly bills and said, “show me how to live the same life for 30% less.” It overdelivered 👇
1. “Act as a personal finance optimizer. Here are my recurring bills: [input]. Show me where I’m overpaying, what to renegotiate, and what better alternatives exist — with exact steps to switch while keeping the same level of service.”


2. “List 5 services people commonly overpay for — like internet, insurance, or subscriptions — and break down how to slash those costs without losing value or convenience.”


3. “Write 3 negotiation scripts I can use by phone or email to get lower rates on my biggest expenses. Include what to say, when to ask, and how to create urgency without being pushy.”


4. “Build a monthly financial audit template that ChatGPT can run. I input my expenses, and it highlights savings, red flags, and ways to redirect money to what matters more.”


5. “Suggest a rotation system where every month, I focus on optimizing one bill or category — so I stay consistent and never feel overwhelmed by money management.”


6. “Help me set up automated alerts using tools or services to track price drops, duplicate charges, or expiring trials across all my subscriptions.”


7. “Turn this into a recurring ChatGPT routine: every 30 days, I paste in my bills, and it shows me how to live richer for less.”



👉 Follow for ChatGPT prompts that unlock hidden money in your own life.