I have a Personal Microsoft 365 account, so what can I do with Copilot?

In a separate article, I talk about Microsoft's large price increase for its Personal Microsoft 365 accounts - justified by Microsoft by highlighting the addition of (amongst other things) AI-powered tools like Co-Pilot.

As I mentioned in that article, I did pay increased subscription back in Dec 2024, not seeing any obvious option for 'opting out' of the new AI features. While I have now downgraded my subscription, this will not take effect until Dec 2025 when the subscription is next renewed.

In the meantime, I may as well make use of Copilot for the next few months - seeing as I am paying about $4/month to have it! Here's what I found when I had a play with it.

I started by downloading the Microsoft Copilot app on my Mac (and the same app on my iPhone/iPad).

Once I had done this, I was presented with a screen that had a message bar at the bottom, allowing me to ask my question of Copilot.

My first question (or Prompt) was "How can I use Copilot?" Here's what it said.

So I then thought that I might as well put it to work, asking it to write me a couple of articles. Below are the two prompts I used and the responses that I received, providing the suggested text for articles.

And I also asked Copilot to develop an exercise program. You'll see the result below, as the third prompt.

In the fourth prompt, I ask about how to make use of Copilot in Microsoft Word. 

Of course, there is so much more it can do - for example, it can create a whole PowerPoint presentation for you based on a prompt!

If you have paid for Copilot as part of your Microsoft 365 subscription, why not make the most of it?

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Prompt 1: "Write me an article about the benefits of copilot for people who have personal Microsoft accounts. Provide examples of uses for copilot that will help in everyday life."

​Result:

Unlocking Everyday Potential: The Benefits of Copilot for Personal Microsoft Accounts

In an era where technology is deeply integrated into our lives, Microsoft Copilot emerges as a transformative companion for individuals with personal Microsoft accounts.

Whether you're managing a busy household, planning personal projects, or simply seeking to enhance productivity, Copilot offers a range of capabilities that cater to daily needs. Here's a closer look at the benefits of Copilot and how it can be a game-changer in everyday life.

1. Enhanced Productivity Made Simple
For many, staying organized can feel like a daunting task, but Copilot thrives on making life easier. With its ability to assist in scheduling, organizing tasks, and managing projects, Copilot is a personal assistant tailored to your specific needs.

• Example: Imagine you’re planning a family vacation. Copilot can help create a detailed itinerary, suggest packing lists, and even draft emails to compare accommodation options—all seamlessly synced with Microsoft Outlook and OneDrive.

2. Stress-Free Content Creation
From writing emails to drafting documents, Copilot simplifies the creative process. Its ability to suggest wording, correct grammar, and even restructure sentences allows you to focus on your message rather than the mechanics.

• Example: Need to write a heartfelt thank-you note for a friend? Copilot can craft the perfect email for you, offering thoughtful phrasing ideas that resonate with your tone and intent.

3. Streamlined Budget Management
Managing personal finances can be a time-consuming task, but Copilot makes it more approachable. By integrating with Excel, Copilot can help create budgets, track expenses, and even generate insights into spending habits.

• Example: You could input your monthly earnings and expenses into Excel, and Copilot will automatically organize the data into a clear, visually appealing budget tracker, complete with graphs to show where your money goes.

4. Learning and Skill Development
Personal growth is an important part of life, and Copilot helps you learn new skills and access knowledge quickly. Whether it’s exploring a hobby, understanding a new concept, or getting tech-savvy, Copilot is ready to assist.

• Example: If you’re trying to master cooking a new recipe, Copilot can help you compile recipes, create a step-by-step plan, and even calculate ingredient portions based on serving sizes.

5. Time Management Like a Pro
Juggling multiple responsibilities requires efficient time management, and Copilot is up to the challenge. By syncing with Microsoft Calendar, Copilot helps you plan and optimize your schedule.

• Example: Imagine a busy day with errands, appointments, and personal projects. Copilot can suggest an optimal schedule, remind you of tasks, and even send follow-up emails after important appointments.

6. Creative and Fun Assistance
Sometimes, life calls for a touch of creativity and fun. Copilot isn’t just about productivity—it’s also a great companion for brainstorming and generating unique ideas.

• Example: Planning a birthday party? Copilot can help brainstorm themes, generate a list of supplies, and even draft fun invitations in Microsoft Word or PowerPoint.

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7. Accessibility and Ease of Use
One of Copilot’s strengths is its intuitive design and integration across Microsoft applications. Whether you’re using Word, Excel, PowerPoint, or Teams, Copilot is seamlessly embedded, making it easy to access from anywhere.

• Example: Working on a resume in Word? Copilot can suggest improvements, highlight key achievements, and ensure formatting consistency, making your resume stand out effortlessly.

Conclusion

​Microsoft Copilot is more than just an AI tool—it’s a partner in productivity, creativity, and organization. For individuals with personal Microsoft accounts, Copilot opens the door to streamlined tasks, smarter workflows, and enriched daily life. Whether you’re managing budgets, planning events, or simply looking for creative inspiration, Copilot is here to make it all a little easier.
Embrace the power of Copilot and unlock your full potential—because with the right tools, there’s no limit to what you can achieve.

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Prompt 2: "Change to focus of the above article to the uses of copilot for retirees."

​Result:

Discovering New Horizons: The Benefits of Copilot for Retirees

Retirement is a time to embrace new opportunities, explore passions, and simplify everyday tasks. Microsoft Copilot is an innovative companion that helps retirees make the most of their time, whether it's staying connected, managing daily responsibilities, or diving into hobbies. Here’s how Copilot can enhance the lives of retirees and bring ease to everyday routines.

1. Staying Organized and On Top of Things
With retirement comes the freedom to focus on personal interests, but staying organized is still key. Copilot acts as a virtual assistant, helping retirees plan and structure their days with ease.

• Example: Copilot can help create weekly schedules, reminding you of doctor’s appointments, family events, or even when it’s time to pay bills.

2. Simplifying Financial Management
Managing finances is a critical aspect of retirement, and Copilot makes it easier to stay on track. By integrating with Excel, retirees can organize expenses, plan budgets, and even forecast spending.

• Example: Copilot can generate a retirement budget template, calculate monthly expenses, and visualize spending patterns with charts for better clarity.

3. Connecting with Loved Ones
Maintaining strong connections with family and friends is important. Copilot can assist with communication by helping retirees craft emails, design invitations, or even stay in touch through well-written messages.

• Example: Use Copilot to write a warm thank-you email or create a newsletter to share updates and photos with your family

4. Exploring Hobbies and Interests
Retirement is the perfect time to pursue new hobbies or rekindle old ones. Whether it’s gardening, genealogy, or creative writing, Copilot can provide inspiration and support.

• Example: If you’re interested in genealogy, Copilot can help draft a family tree outline or organize research into a polished document.

5. Learning New Skills
For retirees eager to learn, Copilot is an invaluable resource for exploring new topics, improving tech skills, or even mastering a new language.

• Example: If you want to write your memoirs, Copilot can help organize ideas, outline chapters, and refine drafts to bring your story to life.

6. Managing Digital Photos and Memories
Preserving and sharing memories is a wonderful way to reflect on life’s journey. Copilot can help retirees organize digital photos and even assist in crafting personalized albums.

• Example: Create a family photo album with captions or a slideshow to share during family gatherings.

7. Planning Events and Travels
Retirement often means more time for travel or hosting events. Copilot can simplify planning, from researching destinations to creating detailed itineraries or even drafting invitations for a gathering.

• Example: Planning a family reunion? Copilot can create a to-do list, design a budget, and suggest activities to make the event memorable.

8. Staying Mentally Sharp and Engaged
Using Copilot to engage in intellectual challenges or creative projects can help retirees stay mentally active and fulfilled.

• Example: Use Copilot to write poems, solve riddles, or even create crossword puzzles for fun and mental stimulation.

9. Enhancing Digital Literacy
For retirees navigating technology, Copilot makes devices and software more accessible. It assists with understanding features, troubleshooting issues, and exploring ways to use technology effectively.

• Example: Unsure how to use a new app? Copilot can provide a step-by-step guide or answer questions clearly and patiently.

10. Embracing a Balanced Lifestyle
Copilot helps retirees manage their time effectively, encouraging a balance between productivity and relaxation.

• Example: Use Copilot to schedule exercise routines, set reminders for medication, or plan quiet time for hobbies and self-care.

Conclusion
Microsoft Copilot empowers retirees to embrace their golden years with confidence and creativity.

By simplifying everyday tasks, enabling meaningful connections, and supporting lifelong learning, Copilot becomes an indispensable companion for a fulfilling and stress-free retirement.

Whether you’re organizing your finances, planning your next trip, or simply exploring new hobbies, Copilot is here to make life a little easier—and a lot more enjoyable.
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Retirement is just the beginning of an exciting new chapter. With Copilot by your side, the possibilities are endless!

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Prompt 3: Put together an exercise program for a 60 year old, to held strengthen arms, upper body and legs

​Result:

Here’s a well-rounded exercise program designed for a 60-year-old to strengthen their arms, upper body, and legs. This program emphasizes gradual progression, proper form, and safety. Always consult with a healthcare provider or fitness professional before starting any new exercise routine.
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Warm-Up (5–10 Minutes)To get the muscles ready and reduce the risk of injury:

• March in Place (2 minutes): Lift knees high and swing arms gently.
• Arm Circles (1 minute forward, 1 minute backward): Make small to large circles with your arms.
• Leg Swings (30 seconds per leg): Hold onto a stable surface and swing one leg forward and back.

Upper Body and Arm Strengthening

1. Wall Push-Ups (3 sets of 10–12 reps)

• Stand facing a wall with feet shoulder-width apart.
• Place hands on the wall at chest height.
• Bend elbows to bring your chest towards the wall, then push back to the starting position.

2. Overhead Dumbbell Press (3 sets of 8–10 reps)

• Use light dumbbells or water bottles.
• Sit or stand and raise weights to shoulder height, palms facing forward.
• Extend arms overhead, then lower slowly.

3. Bicep Curls (3 sets of 8–12 reps)

• Use light dumbbells or resistance bands.
• Hold weights with palms facing upward and curl them towards your shoulders, then lower.

​4. Chair Dips (2 sets of 8–10 reps, if comfortable)

• Sit on the edge of a sturdy chair.
• Place hands next to hips and slide forward, lowering your hips off the chair.
• Use your arms to push yourself back up.

Lower Body and Leg Strengthening

1. Chair Squats (3 sets of 10–12 reps)

• Stand in front of a sturdy chair.
• Lower yourself as if sitting, lightly tapping the chair, then stand back up.

2. Calf Raises (3 sets of 15–20 reps)

• Hold onto a stable surface for support.
• Raise your heels off the ground and slowly lower them back down.

3. Step-Ups (3 sets of 8–12 reps per leg)

• Use a sturdy step or low bench.
• Step one foot up, bring the other to meet it, and then step back down.

4. Side Leg Lifts (2 sets of 10–12 reps per leg)

• Hold onto a chair or wall for balance.
• Lift one leg to the side, keeping it straight, then lower slowly.

Core and Stability

1. Seated Leg Lifts (2 sets of 10–12 reps per leg)

• Sit on a chair with back straight.
• Extend one leg and hold it for a few seconds, then lower slowly.

2. Bird Dog (Balance Exercise) (2 sets of 8–10 reps per side)

• Kneel on all fours.
• Extend one arm and the opposite leg, hold briefly, and return to start.

Cool-Down (5–10 Minutes)

• Seated Forward Bend: Sit on a chair and reach towards your toes (hold for 15–20 seconds).
• Shoulder Stretch: Pull one arm across your chest, holding with the opposite hand (hold 15 seconds per side).
• Quad Stretch: Standing with support, pull one foot behind you to stretch the thigh (15 seconds per leg).

This program can be done 3–4 times a week, alternating rest or light activity days in between.

​Over time, increase repetitions or resistance to continue building strength. If you’d like, I can provide variations or additional stretches! 😊

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Prompt 4: How can I use copilot in Microsoft Word?

​Result:

Microsoft Word’s Copilot is designed to be your AI-powered assistant that helps you draft, edit, and refine your documents quickly and effectively. Here are some ways to leverage Copilot in Microsoft Word:

1. Getting Started

• Ensure You Have the Right Subscription: Copilot is part of Microsoft 365’s premium, AI-enhanced features. Make sure your Office apps are up to date.
• Accessing Copilot: Once enabled, you’ll see the Copilot icon or a dedicated pane in Word. This might appear as a sidebar or be integrated into the toolbar, depending on how your organization or personal subscription is set up.

2. Drafting and Editing Content

• Generating a Draft: Ask Copilot to create a draft document by providing a prompt. For example, type, “Draft a project proposal for a new marketing initiative,” and Copilot will generate a structured draft for you.
• Rewriting and Paraphrasing: Highlight a section of text and instruct Copilot to “rephrase this section” or “make this content more engaging.” You can get multiple variants so you can choose the one that best fits your tone.
• Grammar and Style Suggestions: If you’re unsure about phrasing, ask Copilot to “check my document for grammatical errors” or “suggest improvements for clarity.” It offers edits that you can easily accept or modify.

3. Summarizing and Organizing

• Summarize Long Documents: When working with lengthy reports or meeting minutes, you can ask, “Summarize my document” or “Give me the key points of this section,” which helps in quickly grasping essential information.
• Creating Outlines: If you're getting started on a document, type a prompt such as “Outline a report on quarterly sales performance,” and Copilot will generate an outline to help organize your ideas.

4. Enhancing Creativity

• Brainstorming Content: When you’re stuck for ideas, ask Copilot, “Give me creative ideas for a blog post on sustainable living,” and review the suggestions for inspiration.
• Formatting Assistance: Ask for help with document formatting or layout adjustments by saying things like, “Adjust the formatting so the document looks professional,” and Copilot can suggest or even automatically adjust styles, headings, and spacing.

5. Workflow Integration

• Integrate with Other Microsoft 365 Apps: Copilot can pull data from Excel, insights from Outlook, and more. For instance, if you have data in an Excel spreadsheet, you might ask, “Create a summary report in Word using my latest sales data,” and Copilot can help bridge the gap between applications.
• Interactive Commands: You can use natural language commands directly in your document. Experiment with prompts like “Draft an introduction for this report” or “Create a conclusion that recaps the main points” to see how Copilot supports your writing process.

6. Tips for Maximizing Copilot’s Value

• Experiment With Prompts: The quality of output improves with clear, detailed prompts. The more context you provide, the better Copilot tailors its responses.
• Review and Edit: While Copilot is a powerful tool, it works best as a collaborator. Always review, revise, or refine its suggestions to make sure the content truly aligns with your voice and intent.
• Keep Learning: As you use Copilot more often, you'll become familiar with the types of commands that yield the best results. Don’t hesitate to try new queries to see how it can adapt to your specific needs.

​Microsoft Word’s Copilot is built to be a versatile, smart assistant that brings artificial intelligence directly into your writing process, making document creation and editing more intuitive and efficient. Explore its capabilities to see how it can transform your day-to-day tasks and help you work smarter.