Use AI to Master Your Money Without Apps or Spreadsheets
Author Adrian Brambila recently shared how ChatGPT helped him take control of his finances using just a few well-crafted prompts. No spreadsheets. No expensive tools. Just clarity and structure — and you can do it too.
We’ve distilled his approach into 7 simple, effective prompts you can use directly in Promptomat to manage your income, budget, savings, and investing with ease.
1. Zero-Based Budgeting: Give Every Dollar a Job
If your money seems to vanish without a trace, zero-based budgeting is your fix. This prompt ensures every dollar has a purpose, helping you see exactly where your income goes.
Example:"Help me build a zero-based budget. My income is $4,200/month, rent is $1,300, groceries $500, and other costs $800."
2. Automate Smart Spending with the 50/30/20 Rule
The classic budgeting rule made smart. This prompt helps you personalize the 50/30/20 approach based on your lifestyle while ensuring balance between needs, wants, and savings.
Example:"Allocate my $5,000 income using 50/30/20. I live in a high-rent area but value savings."
3. Track Your Cash Flow Without the Overwhelm
Understand your monthly money movement with a clean, custom tracker. No need for Excel — just feed in your income and main expenses.
Example:"I earn from freelancing and tutoring. Main expenses: rent, car loan, groceries."
4. Hit Your Savings Goals with Targeted Planning
Set clear savings goals and break them down into monthly targets. Whether it’s a vacation or building your emergency fund, this prompt creates an actionable roadmap.
Example:"I want $6,000 in emergency funds, $2,000 for a trip, and contribute to retirement."
5. Build Weekly Habits to Stay On Track
This routine helps you review your week in under 15 minutes, build discipline, and keep spending aligned with your goals.
Example:"Design a weekly check-in that I can do every Sunday in 10 minutes."
6. Start Investing with Confidence
Don’t let fear or confusion stop you from investing. This beginner-friendly prompt outlines a 3-step investing plan tailored to your risk level and goals.
Example:"Beginner investor. Moderate risk. Goal: retirement in 20 years."
7. Go Low-Tech with a Monthly Money System
No apps? No problem. This prompt creates a repeatable system using pen, paper, or simple tools to keep your financial life stress-free and on track.
Example:"Help me manage my money monthly without apps or spreadsheets."
Whether you're new to money management or looking for a reset, these AI prompts offer a fast, friendly way to start. Try them out on Promptomat and build a financial system that works for you.