AI 프롬프트: 저축 팁

I need to build an emergency fund.

Monthly expenses: [total amount]
Current emergency savings: [amount]
Monthly income: [amount after tax]
Monthly amount I could save: [realistic amount]
Biggest savings obstacle: [what keeps me from saving]
Target: [3 months / 6 months / 12 months of expenses]

Create my emergency fund plan:
1. Calculate my exact target emergency fund amount
2. Build a timeline to reach it based on my monthly savings capacity
3. Suggest 5 specific ways to find an extra $100-300/month to accelerate savings
4. Recommend the best type of account for an emergency fund (HYSA, money market, etc.)
5. Create a milestone celebration plan (what to do when I hit 1 month, 3 months, etc.)
6. Design rules for what counts as a real emergency vs. what doesn't

Help me find money I didn't know I was wasting.

Monthly take-home pay: [amount]
Fixed monthly bills: [list with amounts]
Average spending by category: [list main categories with amounts]
Grocery spending: [monthly amount, household size]
Transportation costs: [car payment, insurance, gas, or transit]
Insurance policies: [list types and monthly premiums]

Find my hidden savings:
1. Compare my spending in each category against typical benchmarks for my income level
2. Identify the 3 biggest "leaks" where I'm spending more than necessary
3. Suggest specific product swaps or provider changes with estimated savings
4. Find recurring charges I might have forgotten about
5. Calculate the annual impact of each savings opportunity
6. Rank all opportunities from easiest to hardest to implement

I want to put my savings on autopilot.

Monthly income: [amount and pay schedule]
Savings goals: [list each goal with target amount and deadline]
Current savings accounts: [list accounts and balances]
Banking platform: [bank name or type]
How much I can save monthly: [amount]

Design my automated savings system:
1. Set up automatic transfers for each savings goal with specific amounts and dates
2. Time transfers to happen right after payday (before I can spend it)
3. Recommend separate savings accounts or buckets for each goal
4. Suggest a "round-up" or "save the change" strategy if my bank supports it
5. Create a system that increases savings automatically by 1% every 3 months
6. Build a "savings dashboard" template so I can see progress at a glance

Help me spend less on groceries without eating worse.

Monthly grocery budget: [current amount]
Household size: [number of people, ages]
Dietary needs: [any restrictions or preferences]
Stores I shop at: [list stores]
Current meal planning: [do I plan meals or wing it?]
Biggest grocery waste: [what I throw away most often]

Reduce my grocery spending:
1. Create a weekly meal plan template that minimizes food waste
2. Build a master shopping list organized by store section
3. Identify 10 ingredient swaps that save money without sacrificing nutrition
4. Suggest a batch cooking plan that saves both time and money
5. Compare prices at my available stores for my most-purchased items
6. Design a system for using leftovers creatively instead of throwing them out

I want to do a no-spend challenge to reset my spending habits.

Challenge duration: [weekend / 1 week / 2 weeks / 1 month]
Non-negotiable expenses during the challenge: [list essentials I must pay]
My biggest discretionary spending weakness: [where I spend impulsively]
People who need to be on board: [partner, family members]
What I hope to learn: [awareness / savings / habit change]

Design my no-spend challenge:
1. Define clear rules — what counts as "spending" and what's exempt
2. Create a daily checklist to track my no-spend streak
3. List 15 free alternatives for my biggest spending triggers
4. Design accountability check-ins and how to handle temptation
5. Calculate projected savings from the challenge period
6. Create a post-challenge plan to keep the best habits without the extreme restriction

I have a specific savings goal and want to reach it faster.

Goal: [what I'm saving for]
Target amount: [total needed]
Current savings toward this goal: [amount saved so far]
Monthly contribution: [current amount going toward this goal]
Deadline: [when I need the money]
Willingness to earn extra: [side hustle interest level]

Accelerate my savings:
1. Calculate if I'll reach my goal at current pace and the gap if not
2. Suggest 5 ways to increase monthly contributions by $200-500
3. Identify assets or items I could sell for a one-time boost
4. Recommend short-term side income ideas matched to my skills
5. Create a visual savings tracker to maintain motivation
6. Design a "savings sprint" plan for the final push before my deadline