How a Woman Cleared ₹10 Lakh Credit Card Debt in 30 Days Using ChatGPT — A Step-by-Step AI-Driven Plan
A woman cleared ₹10 lakh credit card debt in 30 days using ChatGPT, following daily money-saving tips and discovering hidden funds in forgotten accounts.
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A credit card can feel like a ticket to financial freedom, offering the ability to spend and enjoy. But without sound financial knowledge and disciplined spending, this mindset can quickly lead to deep debt. One woman from Delaware, USA, achieved something truly remarkable: she managed to reduce her ₹10 lakh ($23,000) credit card debt in just 30 days, all with the help of ChatGPT. Here's how she did it, and how you can adopt her method to tackle your own monthly spending.
AI Chatbot: Her Unexpected Financial Advisor
Thirty-five-year-old Jennifer Allan's 30-day challenge is currently trending across social media. She used ChatGPT as her personal financial advisor for an entire month, and the results were astounding: she paid off over $12,000 (₹10,27,000) of her debt.
The realtor and content creator opened up to Newsweek about her lifelong "struggle with money." Allan admitted she often avoided budgeting, believing that working harder would simply allow her to out-earn her financial problems. This approach, she said, "worked for a while, until it didn't."
Things spiraled after her daughter's birth. Expenses like NICU costs, her own recovery, and other baby-related necessities quickly added up. Allan shared that she became emotionally overwhelmed and turned to credit cards just to survive. "We weren’t living lavishly. We were just surviving," she explained. Yet, the debt continued to grow. That's when ChatGPT stepped in as her unexpected friend and advisor for a month.
The Game-Changing Tips from ChatGPT
ChatGPT provided Allan with one specific task each day to help her save or earn money. These tasks ranged from simple actions like canceling a paid subscription or checking for unclaimed money to more proactive steps like selling items on Facebook Marketplace. It even advised her to look for loose coins in old bags and between sofa cushions – a tip that surprisingly yielded around $100!
Perhaps the most impactful advice came when ChatGPT prompted her to check her various apps and accounts. Following this, Allan discovered over $10,000 in a brokerage account and apps like Venmo that she wasn't actively using. "I’m super, super happy with that. I’ve essentially paid half of my debt off," Allan shared in a TikTok clip, clearly thrilled with her progress.
Jennifer Allan's story is a powerful reminder that innovative tools like AI can offer practical, actionable steps to help navigate financial challenges. Could ChatGPT be your next financial advisor?
