Open the last two card statements and copy every recurring name into the list. Do not sort yet. The first pass is only to see the full monthly total.
On the second pass, mark each row by how often you opened it in the last month: weekly, rarely, or almost never. Memory of “I might use it” is not a frequency.
Run the calculator, then handle the cut rows before the downgrade rows. A cheaper plan still charges you if the service stays unused.
Write the cancellation date next to any row you keep. The audit is finished when every row has either a cancel date or a reason to stay.
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