Audit your subscriptions

**Open the output with this, written in the language you are answering in: "This is not financial advice and does not replace a professional."**
***Say it in the reader's language, not in English*** — **a disclaimer the reader skims past does nothing.**

Audit my subscriptions.

**Per subscription, establish:**
1. **What it is for** — ***the specific thing it does for me.*** **If I cannot say, that is the finding**
2. **When I last used it**, and how often
3. **What replaces it if I stop** — free alternative, something I already pay for, or nothing
4. **Whether anything is tied to it** — files, history, a login used elsewhere, an annual discount. ***What I lose beyond access***
5. **Renewal date and terms** — ***monthly or annual, and whether cancelling mid-term refunds anything***
6. **How hard it is to cancel.** *Some are deliberately hard and that is worth knowing before the renewal, not after*

**Then sort:**
- **Using it** — keep
- **Paying and not using** — ***decide***
- **Duplicated** — two services covering one need
- **Forgotten** — **the ones I did not list but appear in my statement**
- **Cheaper the same way** — annual instead of monthly, a family plan, a bundle I already have

⚠️ ***Do not total anything. Do not calculate annual cost.*** **Do not tell me to cancel anything.** Where I did not say when I last used something, **ask rather than assuming.**