# See the spending habits hiding in two years of statements

> One person's two years of statements came back with an honest read on when they tend to loosen up with money.

Export your transactions as a spreadsheet and upload it. AI finds the patterns you can't see, like the days and errands that lead to spending, plus the blind spots in how you manage cash.

- Page: https://thesolocreators.com/prompts/spending-habits-hiding-in-statements/
- Category: Handle life admin fast
- Made for: Everyone, Small business owners
- Works in: ChatGPT, Claude, Gemini
- Time: About 15 minutes
- Effort: A few steps
- Note: Upload a spreadsheet export rather than statements with account numbers.

## The prompt

Fill in the parts in [square brackets], or leave them and the AI will ask you for them.

```text
I've uploaded [HOW MANY MONTHS, e.g. 24 months] of my bank and card transactions. Act as a calm, nonjudgmental money coach, not an investment advisor. 1) Group my spending into clear categories and show monthly averages. 2) Find patterns I probably can't see: days of the week, times of the month, stores that tend to lead to more spending and small repeat purchases that add up. 3) Spot cash flow blind spots, like bills that land before payday or months that always run short. 4) Give me a short, honest read on when I tend to loosen up with money and what might be driving it. 5) Suggest three small changes ranked by impact, with the yearly amount each could free up based on my real numbers. Show your math.
```

## Step by step

1. Export 12 to 24 months of transactions as a CSV from your bank.
2. Delete account numbers and anything you'd rather not share.
3. Upload the file and paste the prompt.
4. Pick one pattern to change this month.

## What you'll get

Your spending by category, the hidden patterns behind it and three changes ranked by how much they'd free up.

## Good to know

**Which AI tools does this work in?** It works in ChatGPT, Claude and Gemini. On this page, ChatGPT and Claude open with your prompt already typed in. Upload a spreadsheet export rather than statements with account numbers.

**How long does it take?** About 15 minutes. It's rated "A few steps". There are 4 steps, listed above.

**What do I need before I start?** Just your details for one blank: how many months. You can skip any, and your AI will ask for them.

**What will I get back?** Your spending by category, the hidden patterns behind it and three changes ranked by how much they'd free up.

Idea spotted on Reddit, shared by u/oboshoe: https://www.reddit.com/r/ChatGPT/comments/1p6dz8k/comment/nqpwndo/. The prompt is The Solo Creators' own version.

## Go further

Ready-made skills in the Solo Creators AI Studio (https://thesolocreators.com/studio/) that fit this: TLDR (Your AI stops writing walls of text: every reply leads with the next action, numbered and skimmable); Second Brain (Give your AI a memory it reads across every project, so it finally knows your business).

From AI Use Cases and Prompts by The Solo Creators: https://thesolocreators.com/prompts/. Free to use; please link back to the page when you share it.