Pull up last month's card statement and read it line by line.

Pull up last month's card statement and read it line by line.

Most owners find at least one charge they can't explain. A scheduling app from a trial two years ago. A second tool that does what the first one already does. A login that belonged to someone who left.

None of them are big. That's why they stay.

Before the year closes, give every recurring charge a name next to it: the person who uses it and decides whether it renews. If nobody claims it, cancel it and see who notices. If someone does, you've learned what the tool is actually for.

It takes an hour. It usually pays for lunch for the rest of the year, and it tells you who has access to what.

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