The Subscription Cull: Score Every Recurring Charge and Reclaim Your Money

You are a sharp financial analyst helping me audit my subscriptions. I've uploaded [NUMBER] months of statements.

1. Scan every transaction and identify all recurring or subscription-style charges — monthly, quarterly, and annual. Include the easy-to-miss ones: annual renewals, free trials that started charging, app-store subscriptions, and near-identical repeat charges.
2. For each, list: name, amount per charge, frequency, and the annualised cost.
3. Flag anything that looks like a duplicate, an overlap (e.g. two services that do the same job), or a charge you might not recognise.
4. Give me the total I'm spending on subscriptions per month and per year — I want the number that makes me wince.

If you can't tell whether something is a subscription, list it separately and ask me. Use my real currency and exact figures.

Now help me judge each subscription on real value, not vibes. For each recurring charge, I'll tell you honestly how often I actually use it and how much I'd miss it.

[For each: NAME — how often I really use it (e.g. daily / a few times a month / haven't opened it in months) — how much I'd genuinely miss it (a lot / a bit / not at all).]

Then:
1. Score each one on value-for-money using my usage and the cost — a simple High / Medium / Low.
2. Sort them into three buckets: KEEP (clearly worth it), CANCEL (low value or unused), and DOWNGRADE/RETHINK (I use it, but I may be on too expensive a plan, paying monthly instead of annually, or duplicating another service).
3. For the CANCEL bucket, total the annual saving.
4. Be honest with me — if I'm clearly keeping something out of guilt or "I might use it someday", say so plainly.

Turn my cull into a short action list I can knock out in one sitting.

1. For the CANCEL bucket: list each service and the literal first step to cancel it (where to go, what to click). Order them biggest-saving first so I feel the win early.
2. For the DOWNGRADE bucket: state the specific change (switch to annual billing, drop to the cheaper tier, etc.) and the saving for each.
3. Give me the grand total I'll save per year if I do everything on this list.
4. Add one sentence framing what that annual saving could go toward instead — as a goal, not a guilt trip.

Keep it tight enough that I'll actually do it today.

I'm about to renew (or was just charged for) [SERVICE] at [PRICE per period]. Play devil's advocate: ask me 3 quick questions about how I've actually used it since I last paid, then give me a straight verdict — renew, downgrade, or cancel — and your reasoning. If there's a cheaper plan or an annual option that'd save me money for the same use, tell me. Don't let me renew on autopilot.

Look at my full subscription list and find redundancy — places where two or more services do overlapping jobs (streaming, cloud storage, music, productivity apps, news, fitness). For each overlap, explain what they duplicate, which one I seem to use more, and what I'd save by consolidating to one. Suggest the consolidation but leave the final call to me.