List what you pay for and answer three questions about each. You get one call on every line — keep, downgrade, pause or cancel — with what it saves and, for a pause, the date to start again. No bank login, ever.
You see what we found before you decide whether to buy the report.
A bank or card statement fills in the names and the prices for you. Typing them yourself works just as well.
When you last used it, whether you would miss it, and who else uses it. About fifteen seconds each — and those three answers are what decide the recommendation.
How many lines are worth acting on and what they are worth a year, worked out in your browser before anything is sent anywhere.
If the scorecard finds nothing, you will know that for free. One flat price either way.
A call on every line, ordered by what is at stake: what you pay, what you told us, the figure, and what to do — with dates on the ones that need one.
The difference between two of these is where the money actually is. Most subscriptions cannot be paused: on those, “rotate” means cancelling and signing up again later at whatever the price is then. We hold a pause policy per service and we will not use the word when it is not true.
Figures changed. Every line names the rule it came from and the answers it rests on.
You last opened it four months ago, said you would not miss it, and nobody else in the house uses it.
$18.99 a month for twelve months. Confirmed — nothing offsets it.
Hulu has no pause. This is a cancellation: you keep access to the end of the period you have already paid for, and coming back means signing up again at whatever the price is then.
Rule R8 · not used in 3+ months, not missed
You said you only use it for the Premier League. The season runs August to May.
Two monthly cycles at $7.99. Conditional — two cycles, not the full year. If switching it off and on twice is not worth $16 to you, keep it. We would not blame you.
Rule R9 · seasonal need, off-season now
You have used it twice. On the numbers this is the worst line on the page — and cancelling it today would still be a mistake.
Nothing today. This is an annual plan you have already paid for. The decision on 14 March is worth $719.88 a year; today’s is worth nothing.
Rule R1 · prepaid annual plan, mid-term
You said you barely use it. We are not going to tell you to cancel it.
Cancelling paid storage does not just stop a charge. Above the free tier the provider starts removing what does not fit, and on most accounts that is the photo library. Check what is in it first. If it is 40GB of photos you want, this is $120 a year for keeping them, and that may be a fair price.
Rule R3 · holds your own files
You did not tell us what this costs, so we have not decided it. You said you have not been since January and would not miss it — which points one way, and we will say so once we have the number.
No price, no figure. We do not estimate one.
Rule R8, held unpriced
One price, however many subscriptions you have.
If we find nothing, you will know before you pay — the scorecard shows it free. What the report gives you then is the verification: every line you pay for, named, with what you told us about it and why keeping it is the right call. That is a different thing from a vague feeling that you are probably fine.
If the report misses what it promised, we refund in full.
A keep, downgrade, pause, cancel or review call on every recurring subscription you have — with the figure, the kind of figure it is, and the date.
One per line. We read the prices and never invent one — anything we cannot read is left blank for you to fill in.
Do not forget the ones that bill once a year — domain names, password managers, antivirus, professional memberships, a warehouse club. They are usually the largest single charges you have and they will not appear on this month’s statement at all. Set “Billed” to per year and we will ask when it renews.
A statement lets us catch the ones you forgot — particularly anything that bills once a year, which will not appear on this month’s statement at all. The scorecard above covers only the lines you have typed; we read the statement when we build the report.
Your statement is read once and the copy sent for analysis is deleted immediately afterwards. The upload itself stays in encrypted storage for 90 days so we can regenerate your report if anything goes wrong, then is deleted automatically.
Read this before you start.
You will know which before you pay anything.