SpendSweep Personal expense audit Personal Expense Audit · USD 29
USD 2,184 a year, mostly in things you forgot about
Fourteen months of transactions categorised, with four cancellations and three renegotiations.
Nothing here is a lifestyle recommendation. This is a list of money leaving your account for things you are not using, paying twice for, or paying more for than the current price. You decide what to keep.
Four subscriptions unused for six months or more, two pairs of overlapping services, and three contracts sitting above their current market rate. About 80 percent of the total is in six actions that each take under ten minutes.
Where it goes
Recurring commitments, by category
Cancel
Not used, still charged
| Service | Monthly | Last used | Annual | Note |
|---|---|---|---|---|
| Fitness app | USD 14.99 | February | USD 180 | Annual renewal fell 3 weeks after you stopped going |
| Second cloud storage plan | USD 9.99 | Never | USD 120 | Duplicates the storage in your phone plan |
| Streaming service | USD 12.99 | April | USD 156 | Two other streaming services active |
| Language app | USD 8.99 | January | USD 108 | |
| Magazine bundle | USD 6.50 | Unclear | USD 78 | No usage signal either way. Your call |
| Total | USD 53.46 | USD 642 |
Last used is inferred from transaction patterns and the absence of associated charges. It is a strong signal and not proof. Check each one before cancelling anything you might actually want.
Renegotiate
Paying above the current rate
| Contract | You pay | Typical now | Annual gap | When to act |
|---|---|---|---|---|
| Broadband | USD 62 / mo | USD 38 / mo | USD 288 | Now. Out of contract since January |
| Car insurance | USD 108 / mo | USD 79 / mo | USD 348 | Renews 4 December. Shop from 4 November |
| Home insurance | USD 44 / mo | USD 38 / mo | USD 72 | Renews 20 February |
| Mobile | USD 34 / mo | USD 22 / mo | USD 144 | Out of contract. Call and ask |
| Total | USD 852 |
Typical rates are current advertised prices for comparable cover and speed in your area as at 4 October 2026. They are a benchmark for the conversation, not a quote, and your own circumstances change what you will actually be offered.
Actions
The list, in order of money per minute
- 10 minutes
Call broadband and ask for the new-customer rate
Out of contract since January. Say you are leaving and ask to be put through to retentions. USD 288 a year.
- 5 minutes
Cancel the four unused subscriptions
USD 564 a year. Check the fitness app first in case you intend to go back in January.
- 4 November
Shop car insurance
USD 348 a year. Diarise it. The saving disappears if you leave it to renewal day.
- 10 minutes
Call mobile provider
Out of contract. Same script as broadband. USD 144 a year.
- 20 February
Home insurance renewal
USD 72 a year. Smallest item here, worth one comparison.
- Optional
Decide about the magazine bundle
USD 78 a year and no usage signal. Only you know.