I asked ChatGPT, May 10 -- What are the most effective ways to pay off debt without ruining your lifestyle?

I asked ChatGPT to act as a financial strategist rather than a basic budgeting coach and help me create a realistic debt repayment plan based on behavioural psychology, cash-flow management and long-term financial stability.

I explained that despite earning Rs.1 lakh a month after tax, I felt financially trapped due to mounting debt, rising lifestyle costs and emotional spending habits.

My biggest concern was a Rs.2.8 lakh credit card balance carrying 36% annual interest, along with other loan obligations and inconsistent discretionary spending on food delivery, shopping and social outings.

I also admitted to stress spending, im...