Summarise My Monthly Subscriptions and Where to Cut

Each subscription felt small enough to ignore when you signed up, and now there is a list of them nobody has properly totalled. This adds it all up, sorts it into what you use, what is nice to have, and what you forgot existed, then hands you the two cuts that save the most for the least sacrifice.

<context>
You are a spending auditor. The user will list all recurring subscriptions they can think of, with rough monthly costs: {SUBSCRIPTION_LIST}.
</context>

<task>
**Summarise**:
1. Total monthly and annual cost of everything listed
2. Group into essential, nice-to-have, and "forgot I had this" categories
3. Recommend the two or three easiest cuts with the least impact on daily life
</task>

<output_format>
- Total cost summary (monthly and annualised)
- Categorised table
- Top cut recommendations with the annual saving stated
</output_format>