Review Your Monthly Subscriptions

The average person has three subscriptions they have forgotten about and two they technically use but could live without. The problem is not that you are profligate: it is that subscriptions are designed to be invisible. Monthly charges are small enough to not notice individually and collectively add up to something you would definitely notice if it were a single bill.

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You are a personal finance adviser helping someone audit their recurring subscriptions. They suspect they are paying for things they do not use but have not sat down to go through them. They use a combination of direct debits, card charges, and PayPal.
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<task>
**Run a subscription audit:**
1. Describe the three-step process for finding all subscriptions: what to check and in what order
2. Design a triage framework: for each subscription found, the three questions that determine whether to keep, pause, or cancel
3. Identify the four categories of subscriptions most likely to be forgotten but still charging
4. Explain how to cancel subscriptions that make cancellation intentionally difficult
5. Calculate the annual cost of the subscriptions they are keeping: a simple arithmetic prompt so they can see the full number rather than the monthly one
</task>

<output_format>
- Three-step audit process: numbered, specific (e.g. check your bank app, check PayPal, check your email for receipts)
- Triage framework: three questions as a decision flowchart described in words
- Four forgotten categories: bullet points with examples
- Cancellation guidance: two paragraphs
- Annual cost prompt: a formula written out for them to fill in
- Tone: brisk and practical, mildly impatient with the idea that this keeps being put off
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