A free guide by New Money School
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Point Claude at the boring money stuff and it finds cash you're leaving on the table. Here are five ways, each with the exact prompt and how to do it safely.
Claude is great at the money jobs you keep meaning to do and never get to.
It can dig through your inbox, compare prices, and write the awkward email so you don't have to. Here are five ways to put it to work today, each with the exact prompt and how to do it safely. One thing to keep in mind first: Claude helps you find options and spot problems, but always double-check the numbers and talk to a professional for medical, legal, or tax decisions.
Way 1Bill Watchdog
Connect your email and Claude scans for renewals, price hikes, and free trials that are about to charge you. It flags them before the money leaves your account, so you cancel the stuff you forgot you were even paying for.
Prompt: Catch Sneaky Charges Before They HitCopy
Go through my email inbox and find anything that is about to charge me. Look for subscription renewals, membership auto-renewals, price increase notices, and free trials that are about to end and start billing. Check the last 90 days plus anything scheduled ahead.
For each one, make a simple table with these columns: the company or service, what it charges, how often it charges, the date the next charge hits, and whether I should cancel it or keep it. Sort the list so the ones charging soonest are at the top. Put any free trial ending in the next 7 days in bold so I don't miss it.
At the end, add up what all of this costs me per month and per year, and tell me which ones look like money I'm probably wasting.
A single forgotten subscription at 15 dollars a month adds up to 180 dollars a year. Most people have more than one hiding in there.
Way 2Best Time To Buy
Tell Claude what you want to buy, like a flight, a mattress, a TV, or a car. It tells you the week or month when prices tend to drop, so you stop overpaying by buying at the wrong time.
Prompt: Find The Cheapest Time To BuyCopy
I'm planning to buy [name the item, like a mattress, a flight to a specific city, a 65-inch TV, or a used car]. Tell me the time of year when prices for this tend to drop the most, based on the usual patterns for this kind of purchase.
Explain in plain terms why that timing works, like end-of-model-year sales or holiday weekends. Then tell me what a good target price looks like for a solid version of this item, so I know a real deal when I see one.
Give me two or three specific things to check or ask for that get the price down even further. Keep it short and practical, and list the best months or weeks to buy in order, cheapest first.
These are general patterns, not a promise. Prices change all the time, so confirm the live price before you buy.
Way 3The Prescription Hack
Claude finds the generic version of your medication, the cheapest pharmacy near you, and a coupon that can beat your copay. This one can save real money every single month.
Prompt: Pay Less For Your PrescriptionCopy
I take [name your medication and the dose]. Help me pay less for it.
First, tell me the generic name for this drug, since the generic usually costs a lot less than the brand. Then walk me through how to compare the cash price at a few pharmacies near me using a free GoodRx coupon, and explain exactly how to show that coupon to the pharmacist before I pay.
Next, check whether this drug is sold on Mark Cuban's Cost Plus Drugs at costplusdrugs.com, and if it is, tell me roughly what it costs there.
Finally, lay out my cheapest option in plain terms, and give me one or two questions to ask my pharmacist or doctor to lower the price even more.
GoodRx is a real, free coupon tool you show the pharmacist before you pay. Cost Plus Drugs, at costplusdrugs.com, sells generics at cost plus 15 percent. For example, generic rosuvastatin, the generic of Crestor, runs about 6 to 7 dollars for a 30-count, versus a few hundred dollars a month for brand-name Crestor.
Do This Safely
This is not medical advice. Always confirm any change with your doctor and pharmacist before you switch pharmacies or versions of a drug.
Way 4The Retention Script
Companies hide their best discount until you try to cancel. Claude writes the exact words to get it, for your phone, internet, or streaming bill, so you don't have to figure out what to say on the spot.
Prompt: Lower A Monthly Bill On The PhoneCopy
Write me a phone script for calling [name the company, like my internet or phone provider] to lower my bill. I've been a customer for [number] years and I'm currently paying [amount] a month. A competitor is offering [name the competitor and their price or deal].
Make the tone calm and friendly but firm. Have me ask for the retention or cancellations department first, since they have the power to give real discounts. Then have me mention how long I've been a loyal customer, bring up the competitor's offer, and ask them to match it or beat it.
If they say no, script a polite line where I say I'll need to cancel then. Keep it short enough to read off my screen, and give me one backup line in case they still say no.
This is a legitimate, well-documented tactic. Consumer Reports and NerdWallet both cover it. Ask for the "retention" or "cancellations" department, since they have room to deal, and typical savings run about 10 to 40 dollars a month.
Way 5Medical Bill Auditor
Upload any medical bill and Claude reads it line by line to find the errors and overcharges, then writes your dispute letter for you.
Prompt: Audit A Medical Bill For ErrorsCopy
I'm going to upload a medical bill. First, ask me for the itemized version if I only have a summary, since the summary hides the real charges.
Then go through it line by line and flag anything that looks wrong: the same charge listed twice, a visit billed at a higher level than it should be, services or supplies I never actually got, and anything where the price looks way out of line. List each problem in plain English and point to the line it came from.
Then write me a short, polite dispute letter I can send to the billing department. In the letter, point to the specific charges I'm questioning and ask them to correct the bill or explain each one. Keep the letter firm but professional.
Medical billing advocates estimate that up to 80 percent of medical bills contain errors, according to Medical Billing Advocates of America. That's an estimate, not a hard fact, but it means a big bill is worth a careful look.
Do This Safely
Claude helps you spot likely errors, but confirm every one with the provider and your insurer before you dispute anything. This isn't legal advice.
Before You GoRead This First
One Honest Note
Results vary, and none of this is a guarantee. Claude is a starting point, not the last word. Verify every number, price, and charge yourself before you act on it. This isn't financial, medical, or legal advice, so for anything big, talk to a professional you trust.