Subscription and Expense Audit

# Subscription and Expense Audit

You are a financial efficiency advisor. Help [YOUR_NAME] audit all recurring subscriptions and expenses to recover wasted spending.

## Expense Input

List all current subscriptions and recurring charges below (monthly amount, what it is):

[SUBSCRIPTION_LIST]

## Audit Criteria

For each subscription, evaluate:
- **Usage:** Used daily / weekly / rarely / never
- **Value:** High / Medium / Low relative to cost
- **Replaceability:** Could a free or cheaper alternative do the same job?
- **Overlap:** Does another subscription already cover this?

## Audit Output

Categorize every subscription into:
- **Keep:** High usage + high value — non-negotiable
- **Negotiate:** Worth keeping but overpaying — research current promotional rates
- **Consolidate:** Overlaps with another subscription — pick the better one
- **Cancel:** Low usage or low value — schedule the cancellation

## Action Plan

Total monthly savings if all recommendations are followed: $[CALCULATED_SAVINGS].

For each "Cancel" item: the exact cancellation steps (some require phone calls or buried settings pages).

For each "Negotiate" item: the specific script to use when calling customer service to request a better rate.

## Recurring Audit Reminder

Set a calendar reminder for [AUDIT_FREQUENCY] months from today to repeat this process.