The Rate Audit
Find the recurring charges you forgot you ever agreed to.
Subscriptions are built to be decided once and never looked at again. The business model needs you to forget. It works on nearly everyone.
One charge of a hundred and twenty a year gets checked. The same money at ten a month does not, because each charge is below the level where you look. Writing every recurring cost as a yearly number puts back the attention the pricing was designed to avoid.
Pull a full year, not a month
Export twelve months. One month misses everything that renews yearly, and that is where the biggest forgotten charges hide.
Turn every cost into a yearly number
Write what each one costs per year. Do not skip this. The number is the whole trick.
Sort into three piles
Used weekly. Used rarely. Did not know it existed. Cancel the third pile now. The second is the real decision.
Set a reminder for the ones you keep
Seven days before each renewal. That is the only moment cancelling is actually possible.
Go deeper
What the paid version adds to this one.
The sorting sheet, ready to use, including the charges people wrongly call essential
What to say to the four companies that make cancelling hard on purpose
When to renegotiate instead of cancel, and when that is worth more
A full audit filmed on a real twelve-month statement