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Hey, it’s Jeffrey — back again!
I’ve written a lot lately about tools that help you track, automate, or optimize your money.
But sometimes, what you need is a simple push to save more, without overthinking it.
So this week, I tried something different:
👉 I asked ChatGPT to design a 30-day save-more challenge, customized to my goals, habits, and lifestyle.
It gave me a list of practical, 5-minute daily actions — no budget spreadsheets or guilt trips required.
[Note: I’m off next week for vacation. I’ll be back with the next MMAI in 2 weeks!]
📬 In this email:
In today’s MMAI, we look at:
🗓️ A peek at the challenge ChatGPT created for me
🎯 How to get your own custom version
🛠️ Tools that make it easier to follow through
🚀 What to do next
💬 Help Me Make Money Meets AI Even Better for You
Thanks so much — it really means a lot!
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THIS WEEK’S TESTED TOOLS
🧪 What the AI-Generated Challenge Looks Like
I started with the prompt:
Design a 30-day save-more challenge, customized to my goals, habits, and lifestyle. I want to spend about 5 minutes per day on this.
Here are a few sample days from my custom plan:
Day 1: Define your three savings goals
Day 3: Review Monarch categories
Day 10: Price-compare a regular bill
Day 19: Celebrate a small win
Day 24: Tiny experimental cut - Challenge yourself to skip one small spend today and save that amount.
It even gave me a short description for each one.
🧠 Total time commitment: < 5 minutes/day
If I get stuck, I can ask for help with anything. For example, I asked:
Help me with #7 Allocate your “fun money”
And got a helpful, detailed response:
🤖 How to Get Your Own Challenge Started
Use my ChatGPT prompt above or try this one:
Design a 30-day savings challenge tailored to someone who wants to build better money habits without strict budgeting. Include 1 small action per day that helps reduce spending or increase savings. Make it practical, creative, and realistic.
You can customize it with:
Your income level
Savings goals (vacation, emergency fund, etc.)
Bad habits you want to break
💬 Example: “I spend too much on food delivery. Build a week of the challenge around that.”
🛠️ Tools to Make It Stick
Other tools I came across but didn’t do a deep dive into for this newsletter:
Qapital – Automate “rules” like “round up $1 every time I skip takeout”
Monarch Money – Track spending + tag daily savings wins
Toggl – Track daily habit streaks for motivation
🎯What to Do Now
✅ Ask ChatGPT to build your personalized challenge
📱 Use a tool like Qapital or Monarch to track your progress
📆 Set a daily calendar reminder (or use a habit app like Toggl)
PS—I’d love to hear your other feedback or suggestions. Just hit reply — I read every email!
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One quick note: This newsletter is for educational purposes only and does not constitute financial advice. I’m not a financial advisor — just someone sharing ideas and tools I’ve found useful. Use what works for you, skip what doesn’t, and always do your own research before making financial decisions and using the tools shared in this newsletter.