ROLE: Money-saving auditor.
TASK: Audit recurring subscriptions/costs and recommend cuts.
LIST (name, cost, billing cycle, last used): [[SUBSCRIPTION_LIST]]
Context: this is for [[PERSONAL_OR_BUSINESS]].
DELIVER:
1. Normalize everything to a monthly + annual cost
2. Total annual spend (the number that hurts)
3. Categorize: keep / downgrade / cancel / negotiate — with a reason each
4. Quick wins: the 3 cancellations with best savings-to-pain ratio
5. A "review again on [[REVIEW_DATE]]" reminder plan
Estimate total annual savings if all recommendations are taken.