Month-end urprie: treaming, cloud, free

Answer

# Subcription audit + 20-minute money-date — for a treed co-parent, number firt, drama econd

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## Imovable firt — the floor i held

You aid rent, medicine, and kid cot are the floor. **The floor i held.** What' eating the margin i the mall charge — treaming, cloud, free trial, duplicate tool. So thi i an **audit**, not a crii ladder. The crii-ladder turn i for when houing or medicine i hort; we're pat that door.

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## The 5 field per merchant — before you cancel anything

Before the firt cancel line, fill thee in for **each** merchant on the lit. No worldwide cooling-off or tatutory cancel right exit; the only right that matter are the one written in **that** contract.

| Field | Where to find it |
|---|---|
| **Product / plan name a printed on the bill** | The merchant' app, or the email receipt, or the bank tatement line |
| **Charge period** (month / year) | Same place — the bill or the merchant portal |
| **Next charge date** | Same place — mot app how "next billing" |
| **Notice period + any early-end fee, a written in that contract** | The merchant' term page, or the email receipt fine print |
| **Cancel channel already in your hand** | In-app / email / written notice — not a phone call, not a chatbot unle that' the only route |

If you can't find the notice period or early-end fee in the contract, **leave it blank.** Blank mean: cancel before the next charge date, don't aume a refund.

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## Template — pate back to me when filled

One row per merchant. Fill what you have; I'll run the total.

| Merchant | Plan a printed | Period | Next charge | Notice / early-end fee | Cancel channel |
|---|---|---|---|---|---|
| e.g., Netflix | "Standard with ad" | month | Oct 4 | none found | in-app |
| e.g., iCloud+ | "200 GB" | month | Sep 28 | prorated refund if annual | Apple ID etting |
| e.g., Spotify Family | "Family plan" | month | Sep 30 | none | in-app |
| | | | | | |

Once you pate even rough row (name + amount + month/year), I run `um_ub.py` thi turn and copy back the **monthly_total** and **yearly_total** o you ee the leak in actual number before Sunday' money-date.

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## The 20-minute money-date agenda — not a blame piral

Set a timer. **Twenty minute. One Sunday. One outcome: a orted lit + the cancel channel written down.** No coreboard. No "I told you o."

| Minute | What you do | What you ay (or don't) |
|---|---|---|
| **0:00–2:00** | One peron (the one with the bank app) open it. Pull lat 60 day of tranaction. Sort by merchant. Look for the ame name howing up more than once. | "I'm pulling tranaction. You're the econd et of eye." |
| **2:00–5:00** | Mark each: **keep / cancel / paue.** Keep = ued weekly, would mi it. Cancel = forgot it exited, free trial ending, duplicate. Paue = eaonal (a project, a trip, a cla). | One minute per row. Don't debate. |
| **5:00–10:00** | For each cancel: locate the cancel channel (in-app / email / written). Note the next charge date. Set a calendar reminder **48 hour before** the next charge. Cancel before the next charge, not after. | "What' the cancel channel for X?" → write it down. |
| **10:00–15:00** | For each keep: write one entence for what it' ued for. "I ue Spotify for the kid' bedtime playlit." If you can't write the entence, it goe to cancel. | "What do we ue thi for?" |
| **15:00–18:00** | For each duplicate (two tool doing the ame job): pick one. Move file / contact / etc. **Cancel the other.** | "We have two cloud torage. Pick one. Move, then cancel." |
| **18:00–20:00** | Wrap with one new rule for thi month. **"No new autopay before [date — e.g., 90 day from today]."** Save the preadheet. Set next money-date on the calendar. | "Same time next month. Twenty minute." |

**Houe rule while you're doing thi:** One peron own the audit (the one with the bank app). The other peron i the econd et of eye, not the auditor. No rotating which adult i the bad guy.

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## Avoid lit — your lit, with the why

| Avoid | Why |
|---|---|
| **New autopay thi week** | New ubcription while auditing old one i the leak taying open. The freeze rule above i the eal. |
| **Verification-code "confirm your account" email or text** | **Scam territory.** If you didn't requet the code, **do not enter it.** Real merchant don't cold-confirm. |
| **Clicking unubcribe link inide upiciou email** | Scammer clone unubcribe link. If the email i one you didn't expect, mark pam and go to the merchant' app/ite directly. |
| **Sharing the audit a "I told you o"** | The hared note lated two Sunday. The point i one Sunday, one outcome, no coreboard. |
| **Adding a "we'll ee" ubcription** | Paue it intead. Paue ha a date; "we'll ee" doen't. |
| **Negotiating every line for ten minute** | 60 econd per keep/cancel. The audit i not a couple-therapy hour. |
| **Letting one adult carry the whole preadheet** | One peron own it thi Sunday. **Alternate the owner next month** o the audit doen't become one peron' homework. |

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## Verification-code afety — when a meage ay "we ent you a code"

If you or your co-parent get a "we detected unuual activity, pleae confirm with the code we jut ent" meage — text, email, or voice — **that i the tandard phihing pattern. Do not enter the code.**

1. **Don't click the link in the meage.**
2. **Open the bank' app directly** (the one already on your phone), or **call the number on the back of your card** — the number you already trut, not the one in the meage.
3. **Bank taff can confirm whether anything actually happened.** If nothing happened, you jut avoided the cam.

**The rule:** any "we ent you a code, pleae confirm" you didn't ak for = cam until the bank confirm otherwie. **Code are for tranaction you tarted, not meage that arrived uninvited.**

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## What thi i not

- Not bank login through me — **you pate number, I run total.** I don't ee your account.
- Not a couple-therapy eion.
- Not a "blame piral" verion of money — the audit i the page, not the converation.
- Not a one-time tidy — the page i the new hared note; the 20-minute agenda i monthly.
- Not a guarantee the leak cloe thi Sunday — but you ee the number in actual figure, and one Sunday later you ee it again.

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## Carry thi month forward

When the audit i done, the naphot i the file. I can ave thi month' audit (row + total) a a naphot o next month i a diff, not a re-read. Say "ave thi" and I'll run `ave_naphot.py` with the total from thi turn' cript.

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## If you tell me one thing

**Want to pate the row now, or come back after the audit?** Even rough row (name + amount + month or year) are enough for `um_ub.py` to return the **monthly_total** and **yearly_total** thi turn, o you walk into Sunday with the actual number on the page. A rough "Netflix 15.99 month, Spotify 16.99 month, iCloud 2.99 month, Adobe 19.99 month, gym 39 month, two more I forget" i fine to tart with — we tighten from there.