Pay off $12,078.93 of credit card debt with a 30-day ChatGPT money challenge

Try it yourself

What you get

One concrete money task a day, aimed at finding forgotten money, cutting costs and earning extra to pay down debt.

Tools

• ChatGPT

Time / cost: 30 days, one task a day (per the article)

Steps

1. Tell the assistant your total debt, income and constraints, and ask for one task a day for 30 days.
2. Start with a hunt for forgotten money: payment apps, old accounts, unused subscriptions.
3. Do the task, report back what happened, and get the next one.
4. Put every dollar you find straight onto the debt and track the balance daily.

Copy-ready prompt

I have $[amount] in credit card debt across [cards, APRs]. Income: [ ]. Fixed costs: [ ]. Time I can spare: [ ]. Run a 30-day challenge with me: give me ONE specific task each day to find, save or earn money for this debt, starting with places forgotten money hides (payment apps, old accounts, refunds, subscriptions). After I report the result, update my running total and give me the next task. No risky investments, no new debt.

Prompt written by AgentPlays from the source. Fill in the [brackets] and approve before anything is sent or bought.

Watch out: Most of the amount came from a forgotten brokerage account, so results will vary. ABC quotes a credit counselor saying AI is a tool, not a substitute for expert advice.

Proof / source

Second-hand report News report (Good Morning America) based on her TikTok series and interview.