Am I paying for things I don't use?
See what repeats, what it costs, and where a closer look could pay off.
Try this with your agent- What your agent needs
- Transaction history. Your agent may ask which services you still use.
- What you get back
- A shortlist with observed costs and questions to help you decide what to keep.
- When to use it
- Run it when you need it, or ask your agent to repeat it monthly.
Try it with your finances.
Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? Connect your agent first.
Review recurring charges in Candor and identify subscriptions worth reconsidering. Show observed costs, billing cadence, and recent price changes. Ask which services I use before calling anything unused. Help me choose what to keep, downgrade, or cancel, and prepare next steps for my decisions. Ask before cancelling or changing an external service.
Nothing runs until you send the prompt to your agent.
I found two music subscriptions in your recurring charges. They may both be intentional, so I would check who uses each before changing anything. Do you use both, or should we look at one more closely?
Illustrative example, not a customer result. Your agent's findings depend on your records.
A recurring charge does not tell you whether you use it
Transaction history can show what a service charged and how often it appeared. It cannot establish who in your household uses it or whether it is worth keeping. Have your agent build a shortlist from Candor, then bring your usage and preferences into the decision. Annual renewals and changing merchant names deserve a closer look.
Check the answer
- Look for the underlying posted charges, observed billing cadence, and price changes. Treat an incomplete year as incomplete history.
- Confirm who uses a service and whether two subscriptions serve different purposes before calling one redundant.
Choose a next step
After you choose a service to change, your agent can prepare the next step. Cancellation happens through separately authorized tools. Revisit the records afterward to check the expected billing outcome.
Keep exploring.
Is anything costing more than it used to?
Spot recurring charges that cost more than they used to.
One-time or weeklyWhere my money goesDid that refund ever show up?
Close the loop on a refund or cancellation you already requested.
One-time or weeklyGoalsWhat budget could I actually live with?
Start with your actual spending and make room for what matters to you.
One-time reviewFull guideAsk it with your own numbers.
Connect your accounts to Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.
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