BJP minister Nandita Garlosa joins Congress day before Assam nomination deadline; to contest from HalflongHaflong's sitting MLA Nandita Garlosa was denied a ticket by the BJP, which fielded Rupali Langthasa from the seat after dropping several sitting legislators. Updated on: Mar 23
People in Kashmir are showing solidarity with Iran. They are donating cars, jewelry, and even land. This response comes after calls for support from the Iranian Embassy. Donations are being made directly or exchanged for cash. This gesture highlights a strong humanitarian response from the region
Germany is continuing to struggle with a shortage of skilled workers, as elderly staff retire, and there are not enough young candidates to fill their roles. To try to alleviate the problem the country is increasingly turning to workers from India. For Handirk von Ungern-Sternberg
Editorial independence is core to our work. Some links may earn us a commission, without influencing our opinions.I tested the Infinix Note Edge 5G: Great display and battery, but performance left me wanting moreThe Infinix Note Edge 5G is trying to shake up the mid-range market with a slim design
Pep Guardiola's wild run and dance down Wembley's touchline demonstrated the hunger for success remains and his competitive fire still burns as fiercely as ever. It came after Nico O'Reilly's second header in four minutes effectively sealed Manchester City's 2-0 Carabao Cup final victory against
A viral thread describing chaotic behaviour by a section of Indian tourists at Brazil’s Iguaçu Falls has once again put the spotlight on a recurring—and uncomfortable—conversation: why do Indian travellers often get a bad reputation abroad? An Indian traveller by the name Gaurav Sabnis
Indian Grandmaster Koneru Humpy on Sunday announced her withdrawal from the FIDE Women’s Candidates Tournament, citing concerns over her personal safety despite assurances from the organisers amid the ongoing West Asia conflict. The Candidates
Senior BJP leaders are actively addressing internal party disagreements following the announcement of candidates for the upcoming 2026 assembly elections. Efforts are underway to pacify disgruntled leaders and supporters. Discussions are happening with those denied tickets to ensure party unity
ChatGPT can be a great starting point to build financial discipline and clarity. ChatGPT isn’t just for coders anymore. It's quietly becoming a no-nonsense tool for personal finance and decision-making, especially when you need blunt, judgment-free advice. In a world where managing money well is non-negotiable, using AI to cut through the noise makes sense.
ChatGPT isn't just for coders anymore. It's quietly becoming a no-nonsense tool for personal finance and decision-making, especially when you need blunt, judgment-free advice. In a world where managing money well is non-negotiable, using AI to cut through the noise makes sense.
Here's one thing most users don't realise: if you want useful answers, stop being polite. Words like “please” and “kindly” won't get you far. ChatGPT works best when you're direct, even harsh. Treat it like a tool, not a person.
Start a fresh new chat with ChatGPT. Never mix topics in a single chat with any GPT to avoid hallucinations. Use this as the first prompt:
“Don't bullshit. Keep it straight and to the point. Totally practical and harsh. I want to talk about money.” (You can throw in some cuss words too. Remember the harsher you are, the better the results.)
-What's your current monthly income (in-hand)?
-Monthly expenses?
-Savings and investments?
-Any debts or EMIs?
-Any upcoming large expenses?
-What financial goal or question are you staring at?
Make sure you share this data accurately. A lot depends on this initial data. If you are concerned about data privacy then note you can always delete chats and even delete “memory” of your ChatGPT user profile.
Mobile Finder: iPhone 17 Air expected to debut later this year
Here's my monthly income: (INSERT). Build me a simple budget that covers rent, food, savings, and fun.
Expense tracker: These are the regular expenses and subscriptions I'm paying for (INSERT LIST). Which ones should I cancel or change based on usage and priority?
Test me: Ask me 5 practical questions to find out where and how I'm spending and overs-spending my money unknowingly and suggest ways to stop.
Savings: I want to save (INSERT Amount in INR) in (X) days. Create the plan to make this savings possible. Be harsh and absolutely practical.
Emergency Fund: Create a total emergency financial plan for me to make sure that I don't suffer even if I lose my job or I'm unable to work.
Retirement planning: Consider inflation, current geo-political tension, USD and INR future projections to suggest a retirement plan by (X) age.
Financial test: Ask me tough questions about my lifestyle and spending habits to rate my financial health. Create a scorecard and let me know my financial reality compared to my peers. Give me clear and concise practical steps to improve my financial health.
Debt: This is my income and current debt (INSERT). Plan my money to pay bills, build savings, and enjoy life within my means.
Here's a practical example on how to leverage ChatGPT to improve your personal financial health.
The first step to financial stability is knowing where your money goes. ChatGPT can help you break down your income, expenses, and savings goals into a clear monthly budget.
Prompt to use:
“Help me create a monthly budget. My salary is ₹60,000, and I pay ₹15,000 in rent, ₹5,000 in bills, and spend ₹10,000 on groceries and commute. I want to save ₹10,000 monthly.”
ChatGPT will offer a balanced allocation, suggest areas to cut back, and even recommend budgeting methods like the 50/30/20 rule.
Staying aware of spending habits is key to curbing unnecessary expenses. You can use ChatGPT to categorise your past transactions or suggest tools that integrate with spreadsheets or apps.
Prompt to use:
“Give me a template to track and categorise my daily expenses in Excel.”
It can generate a ready-to-use structure, with columns for date, category, amount, and payment mode.
Unplanned events can drain your finances. Ask ChatGPT how much you should set aside based on your lifestyle and income, and how to build that fund gradually.
Prompt to use:
“I earn ₹75,000 per month. How can I build an emergency fund worth 6 months' expenses within a year?”
You'll get a month-by-month saving plan tailored to your goals.
Whether it's a credit card, education loan, or home EMI, ChatGPT can assist in prioritising which debts to pay first, and simulate repayment schedules.
Prompt to use:
“I have a ₹1.5 lakh credit card debt at 36% interest and a ₹3 lakh education loan at 9%. Which should I pay first and how?”
It can guide you through the debt avalanche or snowball methods with clarity.
For first-time investors, ChatGPT can demystify stocks, mutual funds, SIPs, and even help compare options based on your risk profile.
Prompt to use:
“I want to start investing ₹5,000 per month. What are my low-risk options?”
It will outline SIPs, PPFs, or FD ladders, along with pros and cons.
Using ChatGPT smartly can be like having a financial coach in your pocket. While it's not a replacement for a certified financial planner, it's a great starting point to build financial discipline and clarity.
Source: HindustanTimes
Related Posts: Rising star Antonelli says Chinese GP triumph 'starting point' for F1 success Zareen Khan Reveals How She Went From 100 Kg To 57 Kg With Discipline And Balance Chandigarh society’s parking discipline faces Mallika Sherawat’s Fitness Mantra Blends Discipline Discipline, consistency & harmony - Rosenior's to-do list at Chelsea How Ram Kapoor Lost 55 Kg In His 50s With Discipline Karnataka Congress Rift Grows As Shivakumar Dodges MLA Discipline Question Discipline and Bhagat Singh China probes ex-securities regulator for ‘serious violation of discipline’ Why Calm Is A Discipline
The Election Commission will deploy approximately 200,000 cameras for 100% webcasting of voting in West Bengal, with sensitive booths receiving three cameras. New initiatives like a control command center and a dedicated complaint cell aim for a violence-free and fair election. These measures
7 hours ago
Amid growing war with Iran, US treasury secretary says Trump is ‘defanging Iranian regime’Scott Bessent said that Trump is using ‘the only language the Iranians understand” by threatening to destroy its power plants over Hormuz stalemate. Published on: Mar 23
7 hours ago
Janhvi Kapoor’s recent move from Karan Johar-led Dharma Cornerstone Artist Agency (DCAA) to Collective Artist Network has once again highlighted a growing trend in the film industry—actors frequently switching talent management teams. With names like Ranveer Singh and Parineeti Chopra also
7 hours ago
Weekly Love Horoscope for March 23-29, 2026: Set clear goals to eliminate confusionWeekly Love Horoscope for March 23-29, 2026: This week, Mars provides all of the energy you need to take your current romantic connection to the next level. Published on: Mar 23
8 hours ago
The first episode of Saturday Night Live UK has hit our screens - 50 years after the US original - and largely got a warm welcome from critics, but it failed to raise a smile with some. When it was announced, there was wariness about how the comedy sketch show would translate for a British audience
8 hours ago
Craving cake but avoiding consuming egg this Navratri? You can make individual size chocolate cake portions in the air fryer. By swaping the all-purpose flour (aka maida), for wheat flour, this can also make for a healthier dessert. For many people in India who do not have an oven
8 hours ago
For years, one of India’s oldest English newspapers, The Statesman, was in financial distress. Its revenues were dwindling, and it had struggled to settle dues with lenders like the State Bank of India. Yet, in June 2025, the newspaper pulled off a corporate miracle
8 hours ago
Prime Minister Narendra Modi chaired a Cabinet Committee on Security meeting to review the West Asia conflict's impact on India. The committee assessed critical needs like food, energy, and fuel security, directing a dedicated group to manage the effects. Measures for short, medium
8 hours ago
On Wednesday, the war in West Asia shifted significant gears when Israel struck Iran’s South Pars gas field. In retaliation on early Thursday, Iran attacked Qatar’s Ras Laffan plant – the world’s largest liquified natural gas plant from where one-fifth of the global natural gas is exported
8 hours ago
On Friday, MCX gold April futures added 0.23 per cent while MCX silver May futures declined 1.72 per cent. Currently gold futures stand at Rs 1,44,825, while silver futures at Rs 2,27,470 per kg. Also Read :City gas firms advised to prioritise PNG connections for commercial entitiesOn Friday
8 hours ago
GATE 2026 Mechanical Engineering Safe Score: As per the Official schedule released, IIT Guwahati will release the GATE 2026 result on March 19, 2026. Candidates who appeared for the Graduate Aptitude Test in Engineering on Feb 7, 8, 14, and 15 can check their qualifying status on the given GATE
8 hours ago
The Kerala Congress has much to chew on, and the “food for thought" has been served by former dentist and national spokesperson, Dr Shama Mohamed. After being denied a ticket for the Kannur assembly seat, Shama took to social media site X to declare herself “denied but not defeated". However
8 hours ago
IIT graduate quits high-paying job in US, sells house to travel the world with family: 'I traded 4 BHK for entire world'The man described how he spent years in a well-paying job in the US but felt unfulfilled despite professional achievements. Updated on: Mar 22
8 hours ago
New ATM rules are set to become effective from April 01, marking as an attempt to standardize the process of withdrawing cash from the machines. Several banks have announced major changes in the process that will direct impact customers. Some of the big changes are reducing the limit of withdrawal
8 hours ago
Light rain likely in Gurugram as temperatures set to rise this weekIMD forecasts partly cloudy weather, isolated showers Monday. Temperatures set to rise 4–7°C; gusty winds up to 41 kmph recorded. Updated on: Mar 23, 2026 7:55 AM IST By Abhishek Bhatia Share via Copy link Gurugram recorded clear
8 hours ago
Israeli Prime Minister Benjamin Netanyahu on Sunday called on world leaders to join the Israel-US war on Iran. “I’m happy to say that I can see some of them beginning to move in that direction, but more is needed,” Netanyahu added, without naming any country
8 hours ago
As the days stretch longer and the heat begins to settle in, the way we unwind naturally shifts – lighter meals, slower evenings, and drinks that feel as refreshing as the season itself. Summer, after all, is less about indulgence and more about ease
8 hours ago
Stock Market Tomorrow: The Indian equities market is expected to remain volatile tomorrow, Monday, March 23 amid a cluster of factors, including the ongoing Middle East crisis, the rising crude oil prices, the strengthening US dollar and weakening rupee and weaker investing sentiment
8 hours ago
Pisces Horoscope Today for March 23, 2026: Avoid making promises you cannot keepPisces Horoscope Today: A calm conversation with a colleague clears confusion and shows your teamwork. Published on: Mar 23, 2026 5:49 AM IST By Dr J.N Pandey Share via Copy link Pisces (Feb 20-Mar 20) Daily Horoscope
8 hours ago
The Biju Janata Dal on Saturday suspended six MLAs for cross-voting in favour of a Bharatiya Janata Party-backed Independent candidate in the March 16 Rajya Sabha elections in Odisha. The suspended MLAs are Chakramani Kanhar (Baliguda), Naba Kishor Mallick (Jayadev)
8 hours ago
Iran launched two intermediate-range ballistic missiles targeting the US-UK military base Diego Garcia in the Indian Ocean on Saturday, in what appears to be a sharp escalation of the already volatile situation in West Asia. While neither missile struck the target — one malfunctioned mid-flight
8 hours ago
Sri Lanka's Dasun Shanaka is set to join Rajasthan Royals for the upcoming Indian Premier League. He will replace the injured Sam Curran. Shanaka was previously with Lahore Qalandars in the Pakistan Super League. This move follows Blessing Muzarabani's switch from PSL to IPL
8 hours ago
Piyush Goyal to finalise seat-sharing for Tamil Nadu elections today: BJPThe announcement comes amid intensifying verbal volleys between the BJP and the ruling DMK. Updated on: Mar 23, 2026 7:54 AM IST PTI Share via Copy link Union minister Piyush Goyal is scheduled to arrive in Chennai on Monday
8 hours ago
Neymar 'practically out' of Brazil's FIFA World Cup 2026 squad: Report Updated on: Mar 23, 2026 7:24 AM IST Edited by Aratrick Mondal Share via Copy link Neymar's World Cup hopes over? (AFP) Key Takeaways Summary is AI-generated The development comes just days after Neymar was left out of the squad
8 hours ago
Hair loss is no longer a concern reserved for men in their 30s or 40s. Increasingly, it is showing up much earlier, sometimes even before the age of 25. And while genetics has long been seen as the primary cause, experts say the real driver today is far more immediate: lifestyle
8 hours ago
An eerie response by Anthropic’s Claude artificial intelligence has triggered a debate on social media. According to a screenshot being widely circulated, a user asked Claude about its “darkest secret" and it responded with an unexpected answer. In a seemingly poetic way
8 hours ago
Under the policy, a BMI between 18 and 24.9 is classified as the “normal” and preferred range. A BMI below 18 is considered underweight, though it may still be permitted if the crew member passes a medical evaluation and functional fitness assessment.Under the policy, a BMI between 18 and 24
8 hours ago
