Use credit cards responsibly

The playbook to make 2026 your year. 

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In this episode of the Money Gains Podcast I'm breaking down a practical 12-week action plan covering everything from conducting a financial review to automating your money management. 

We talk about why personal finance is deeply personal and provide actionable steps for increasing income and capturing cashback opportunities that could save you over £1,000 a year.

This is the CHATGPT Prompt >> 

“Here are my last 3 months of bank transactions. Please analyse them and categorise every transaction into 3 categories:

1. Fixed expenses
2. Discretionary spending 
3. Debt payments

Then:

 – Calculate my average monthly spending in each category

 – Identify areas where I may be overspending compared to typical averages (e.g., transport, subscriptions, eating out)

- Highlight any merchants or transactions you’re not sure about so we can make a decision on these together

 – Estimate my potential savings rate (based on income vs spending) and explain it as if you are analysing a business’ profit vs loss”

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Gains App launches in a few weeks.

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

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Join here 👉 https://gainsapp.com/

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✅ Why reviewing three months of bank statements reveals the hidden spending leaks that keep you broke

✅ How the three-bank automation system removes willpower from money management 

✅ Why building an emergency fund before investing gives you the freedom to handle financial emergencies

✅ How the debt snowball method creates quick psychological wins

✅ Why asking for a pay rise has only three outcomes

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DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. 

This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

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