Critique Last Month's Bank Statement for Three Avoidable Costs

A bank statement full of small charges that add up to nothing you actually wanted. Paste last month in and get an honest read on the three most avoidable costs, each with a one-line fix for next month. Essential spending stays untouched; only the genuinely skippable stuff gets named.

[Paste last month's bank statement transactions here.] Critique the spending honestly: identify the three most avoidable costs (things that could be cancelled, reduced, or simply were not worth it in hindsight), and for each one give a one-line suggestion for next month. Do not comment on essential spending like rent or groceries.