Recurring charges are designed to be easy to start and easy to forget. Most people who run a proper audit find money leaking out every month that they didn’t know about. It’s rarely one big expense, just a handful of small ones that each seemed reasonable when you signed up.

The Subscription Audit Protocol gives you a repeatable, step-by-step process to find every recurring charge you pay, decide objectively which ones earn their place, cancel the rest cleanly, and keep new ones from slipping through.

What’s inside

• The 6-phase protocol: Prepare, Discover, Record, Evaluate, Act, Protect. A start-to-finish method.
• The Hunting Grounds map: every place recurring charges hide, and exactly where to look.
• The Keep-or-Cut Scorecard: a 10-point test that takes emotion out of the decision.
• Cancellation playbook & scripts: word-for-word emails and phone scripts, including what to say to retention offers, plus refund and card-dispute templates.
• A worked example: one household’s full audit, start to finish.
• 8 printable worksheets: inventory, scorecard, cancellation tracker, savings summary and more.
• A maintenance system: a 15-minute quarterly check that keeps the savings locked in.

Who it’s for

Anyone paying for apps, streaming, software, memberships, cloud storage, deliveries or add-ons. Works for individuals, couples, households and freelancers.

Time required

2 to 3 hours for your first full audit, ideally over two sittings. After that, about 15 minutes a quarter.

Instant PDF download, 43 pages. For general educational purposes; not financial or legal advice. Licensed for the purchaser’s personal use.