Forgotten free trials, sneaky price increases, subscriptions you haven't opened since Christmas. Ten minutes with these 3 prompts and you'll know exactly where your money is going.
You commented MONEY. Here it is, all yours. 🧡
1
Download 2 to 3 months of statements
From your bank or card app, export or copy the transactions. More months means better at catching the sneaky annual charges.
2
Delete your account numbers first
Before you paste anything into an AI, remove account numbers and any info you wouldn't put on a postcard. The charges themselves are all it needs.
3
Cut what it flags
Prompt 2 writes your cancellation emails, Prompt 3 talks your bills down. Most people find $50 to $200 a month on the first pass.
1
The audit
Before you paste: Paste your cleaned-up transactions below this prompt. Important: strip out account numbers, your address, and anything sensitive first, the AI only needs the charge names, amounts, and dates. The table it builds is the moment most people say "wait, I'm paying for WHAT?"
Here are my last few months of transactions. Build a table of every recurring charge: name, amount, how often it bills, and what it probably is. Flag anything that looks like a forgotten free trial, a duplicate service, or a price that went up. Then total what I'd save monthly and yearly by cutting the flagged ones, and rank them by how painless they'd be to cancel.
2
The cancellation email
Before you paste: One per service you're cutting. The magic of this template is what it leaves out: no apologizing, no explaining, no "maybe I'll come back." Companies train reps to talk you out of wobbly cancellations. This email has no wobble.
Write a short cancellation email or support message for [service name]. No apologizing, no explaining why. Include a placeholder for my account email, a clear statement that I'm canceling, and a request for written confirmation of the cancellation and my final billing date.
3
The bill negotiation script
Before you paste: For the bills you keep: internet, phone, insurance. Call, be friendly, and read from this. The phrase "transfer me to retention" is the cheat code, that department exists to keep you and has discounts the first rep can't offer.
I pay [$X] a month for [internet/phone/insurance] with [company]. Write me a friendly phone script to get that lowered: what to ask for, how to mention competitor prices, when to say "I'm considering canceling, can you transfer me to retention", and what discount is realistic so I know a good offer when I hear one.
That took you what, ten minutes?
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