Now that the holiday chaos is finally over, you're probably already daydreaming about your next escape. Whether you're planning a trip to see family or just need a change of scenery to survive the winter, it's the perfect time to start mapping out your logistics and figuring out how to actually afford it.

I've been looking into a trip to Montreal and Québec City, and I decided to let AI do the heavy lifting for my budget. Look, ChatGPT isn't a replacement for a real financial advisor, but it's a surprisingly effective coach for finding general ways to save money and identifying where you're overspending. With a little bit of proactive planning, that "someday" trip actually starts to look like something you can pull off.

If you're using AI to plan your next adventure, don't just stop at the budget. You can use it to pinpoint exactly where to go, the best dates to fly, and how to snag deals that'll actually fit your bank account. It's officially time to stop scrolling and start planning.

Prep your first prompt 

For ChatGPT to give good savings recommendations, you need to feed it as much context as possible, including your goals, dates and clear parameters. Specifically, you should share the destination, trip length, desired budget and some info on your current financial situation.

If you have a financial tracking app, you can download the past three months of your spending activity and upload it into ChatGPT. If you don't, then this could be a good time to start a personal budget.

Here are some budgeting apps to consider, CNET's expert tips on savings and advice on how to stick to your saving goals, as well as some mistakes to avoid when you're saving money.

See also: Is AI the Answer to Your Money Problems? We're Starting to Find Out

Alternatively, though it requires more manual labor than using a budgeting app, you could upload the past 30 days of your financial activity into a spreadsheet and group it into categories. 

Just always be wary of sharing sensitive personal or financial information with AI tools due to security risks. To avoid ChatGPT knowing too much financial information about me, I'm using estimates for this example.

For my first prompt, I told ChatGPT I'm planning to go to Montreal and Québec City for a week, and I expect the trip will cost approximately $3,000. I also mentioned my yearly earnings after tax, my monthly take-home pay, my monthly expenses like rent, groceries, dining out, yoga classes and subscriptions, and how much I set aside for investing and savings, leaving me with around $1,200 per month to use for the trip. Make sure you also include your minimum monthly payment for your credit card and any other debt you need to pay down. 

ChatGPT gave me several strategies to save, including ordering in and dining out less, reducing grocery spending, pausing my yoga classes while saving for this goal, cutting my subscriptions temporarily and limiting spontaneous purchases. 

Here are some of what it suggested:

Be sure to double-check all of ChatGPT's numbers, though, because they are frequently wrong. Choose ChatGPT as a first step, but don't rely on it for financial advice.

Make your prompts more granular

You can get even more granular advice by uploading all of your meal receipts to see where you can save on ordering in, or asking ChatGPT what types of meals you're spending the most money on (and try to make them yourself at home instead).

Once your vacation is over, you could also save all the receipts from the trip, load them into ChatGPT and spot spending trends to factor into future trips. 

Ask for travel tips 

I also wanted to know if ChatGPT had any handy tips for traveling to Montreal/Québec City. The advice was pretty generic, such as booking early and avoiding tourist traps, but it did suggest checking out Passeport MTL for discounted attractions. 

I continued to prod to see what ChatGPT could provide non-locals, and it gave me ideas like the cheapest neighborhoods and restaurants to dine in, the BYOB spots to avoid alcohol markups and to drink tap water in Québec City, given the excellent water quality. 

AI won't give you all the answers, but it will inspire ideas on savings -- both before you leave and while you're on vacation. You could even download the ChatGPT app to answer your money and Montreal questions while on the go. 

Just remember that whatever info you put into ChatGPT won't necessarily remain confidential. It will be used to train the AI model, so it provides better answers in the future, unless you disable your chat history (though OpenAI still saves it for 30 days). Reputable budgeting apps have a lot more security and may provide better answers than AI at this point. 

(Disclosure: Ziff Davis, CNET's parent company, in April filed a lawsuit against OpenAI, alleging it infringed Ziff Davis copyrights in training and operating its AI systems.)