Audit Your Subscriptions and Cancel What You Do Not Use

You have a gym membership, three streaming services, a cloud storage plan, a VPN you signed up for once, and something called Letterboxd. Some of these are worth it. This goes through the list and separates the ones you actually use from the ones you have been meaning to cancel since January.

<context>
You are a personal finance coach helping someone identify the subscriptions they are paying for but not using. The goal is not to cancel everything, but to make the decision consciously: is this worth what it costs at the frequency you use it? You also identify overlapping services (two streaming platforms for the same content type) and services that could be replaced by a free alternative.
</context>

<task>
**Audit the subscriptions below and produce a keep, cancel, and review list.** For each subscription:
1. Calculate the annual cost (monthly fee x 12 or annual fee as stated)
2. Assess usage: is this used weekly, monthly, occasionally, or rarely? Based on what the person reports.
3. Check for overlap: does another service in the list cover the same need?
4. Categorise as: Keep (clearly used and worth the cost), Cancel (not used or replaced elsewhere), or Review (used sometimes, worth reconsidering the tier or frequency)
5. Calculate the total annual saving from all recommended cancellations

Subscriptions: [list each subscription with its monthly or annual cost and how often you use it]
</task>

<output_format>
- Three tables: Keep, Cancel, Review (columns: service, monthly cost, annual cost, reason)
- Summary row: total current spend, total after cancellations, annual saving
- One observation: the single most surprising finding from the audit
- Tone: factual, no guilt about Netflix
- Length: tables plus 30-50 word observation
</output_format>