A credit card is often seen as a gateway to financial freedom- a digital wallet that lets you spend and enjoy what you want. But without financial knowledge and disciplined spending, this mindset can quickly lead you into deeper financial trouble. A woman from Delaware, United States, achieved something remarkable- she managed to reduce her ₹10 lakh($23,000) credit card debt in just 30 days, and she did it with the help of ChatGPT. Here’s how..You can also adopt her method to slash the monthly spending on your credit card.
AI Chatbot Became Her Financial Advisor
35-year-old Jennifer Allan’s 30-day challenge is trending on social media platforms. He kept ChatGPT as her financial advisor for 30 days. It paid off more than $12,000 of her debt ( ₹10,27,000). The realtor and content creator recounted her “struggle with money” during her whole adult life to Newsweek. According to Allan, she avoided budgeting because she believed that if she just kept working harder, she could out-earn the problem. Allan said that it worked for a while, “until it didn’t”.
She said things started to fall apart after her daughter was born. Expenses like the NICU, her recovery, and other baby-related costs added up. Allan said she shut down emotionally and relied on credit cards to manage. “We weren’t living lavishly. We were just surviving,” she said. But the debt kept growing. And then ChatGPT became her Friend and advisor for a month.
Tips That AI Chatbot Gave!
ChatGPT gave Allan one task every day to help her save or earn some money. Some tasks were cancelling a paid subscription, checking for unclaimed money, or selling things on Facebook Marketplace. It also told her to look for coins in old bags and between sofa cushions. She found around $100 this way. ChatGPT also told her to check her apps and accounts. When she did, Allan found over $10,000 in a brokerage account and apps like Venmo. “I’m super, super happy with that. I’ve essentially paid half of my debt off,” Allan said in a clip posted to her TikTok account.
