Subscriptions and Recurring Expense Audit

Prompt

Audit all my subscriptions and recurring expenses to find hidden waste.

I'm going to list everything I pay regularly. Analyze each and help me decide what to keep, cut, or renegotiate.

Recurring expenses to audit:
[LIST ALL SUBSCRIPTIONS AND RECURRING CHARGES WITH MONTHLY AMOUNT]
Examples: Netflix, Spotify, gym, cloud storage, software, meal delivery, insurance, bank fees, etc.

For each item:
1. **Usage Assessment** — Do I actually use this? How often?
2. **Value Assessment** — Is the value I get worth the price?
3. **Alternative** — Is there a cheaper or free alternative?
4. **Recommendation** — Keep, Cut, Downgrade, or Renegotiate

Also:

5. **Annual Total** — Convert everything to annual cost. The number will be shocking.

6. **Cut List** — Everything I'm recommending to cancel, with projected annual savings.

7. **Negotiation Scripts** — For services I want to keep but at a lower price (internet, insurance, streaming): exact scripts to call and ask for a discount.

8. **Consolidation Opportunities** — Where can I get multiple services for less (e.g., Apple One, bundled streaming)?

9. **Re-subscribe Criteria** — How long should I go without a subscription before deciding I truly miss it and should re-subscribe?

10. **Annual Audit Habit** — A simple 30-minute annual process to keep subscriptions under control.