Audit spending to find leaks — recurring subscriptions, creep, and cuttable costs — ranked by impact. Use when asked to cut expenses, review subscriptions, find where money is going, or free up cash. Produces a categorized spend breakdown, a ranked list of cuts with dollar amounts, and the annualized savings. Educational, not regulated financial advice.
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Use expense-audit to analyze [spending data], including recurring charges and [off-limits costs], and return categorized spending, ranked specific cuts, and annualized savings; keep it educational, not personalized financial advice.
Required inputs
[spending data]
[off-limits costs]
User-approved starter prompt based on a pinned source version; check current skill requirements before running. Task evidence ↗
SKILL.md
name: expense-auditdescription: "Audit spending to find leaks — recurring subscriptions, creep, and cuttable costs — ranked by impact. Use when asked to cut expenses, review subscriptions, find where money is going, or free up cash. Produces a categorized spend breakdown, a ranked list of cuts with dollar amounts, and the annualized savings. Educational, not regulated financial advice."
Expense Audit Skill
Money leaks quietly — forgotten subscriptions, lifestyle creep, small daily costs that annualize into a lot.
This skill audits someone's spending, surfaces the leaks ranked by annual impact, and proposes specific
cuts with dollar amounts — so they free up cash without a vague "spend less". Educational, not personalized
financial advice.
Required Inputs
Ask for these only if they aren't already provided:
Spending data — a list of expenses or transactions (paste what they have: statements, a rough list, categories + amounts).
Which are recurring — subscriptions and memberships, with frequency.
What's off-limits (optional) — costs they won't cut (and why), so suggestions stay realistic.
Goal (optional) — a target amount to free up.
Output Format
Expense audit — [name]
Where the money goes
Category
Monthly
% of spend
Annualized
$
%
$
🔁 Recurring / subscriptions — every recurring charge found, with monthly + annual cost, and a verdict (keep / downgrade / cancel / negotiate). Flag duplicates and "haven't used it" candidates.
✂️ Ranked cuts — the highest-impact opportunities first, each with the annual dollar saving and how to do it:
Cut
Monthly saved
Annual saved
How
$
$
Total opportunity:$X/year if all suggested cuts are made (and a realistic "easy wins only" subtotal).
Notes — what was assumed; the "small daily cost" reframed annually (e.g. "$6 coffee × workdays ≈ $1,500/yr"); anything to verify on a statement.
Quality Checks
Spending is categorized with both monthly and annualized figures
Every recurring charge is listed with a keep/downgrade/cancel/negotiate verdict
Cuts are ranked by annual impact, each with a dollar amount and a how-to
A clear total opportunity (and an easy-wins subtotal) is given
Suggestions respect the off-limits items and stay realistic
Anti-Patterns
Do not say "spend less" — every cut must name an amount and a method
Do not rank by monthly when annual reveals the real impact — annualize everything
Do not suggest cutting things the person flagged as off-limits
Do not miss the silent recurring charges — those are usually the biggest, easiest wins
Do not present this as personalized financial advice
Based On
Spending-audit / subscription-audit practice (categorize, annualize, rank cuts by impact).