# Output format · filled example

This is what a good Money Leak Report looks like (sample data from `samples/sample-statement-us.csv`, 4 months, US).

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**Read 149 charges over 122 days.** Skipped: rent, payroll, transfers, card payments.

## You're spending **$6,385/year** on 17 recurring charges (about $532/month), plus **$322/year** in bank fees and interest. Possible duplicates to claim back: **$52.49**.

| # | Merchant | Category | How often | Charge | Per year | What I found | Recommended move | Template |
|---|---|---|---|---|---|---|---|---|
| 1 | Geico | Insurance | Monthly | $142.30 | $1,708 | | Re-quote before renewal | 11 |
| 2 | Verizon | Phone | Monthly | $90.00 | $1,080 | Price up 6% (85.00 → 90.00) | Negotiate the increase | 04 |
| 3 | Xfinity (Comcast) | Internet & TV | Monthly | $89.99 | $1,080 | Price up 13% (79.99 → 89.99) | Negotiate the increase | 04 |
| 4 | Planet Fitness | Fitness | Monthly | $24.99 | $300 | | Using it? If not, cancel | 10 |
| … | | | | | | | | |
| 12 | Audible | Books & audio | Monthly | $14.95 | $179 | Trial that converted? (new since Jul 25) | Cancel + ask for refund | 08 |
| 15 | DoorDash DashPass | Food delivery | Monthly | $9.99 | $120 | Possible duplicate (Aug 10 + Aug 11) | Dispute the duplicate | 06 |
| 22 | ~~Peacock~~ | Streaming | Monthly | $7.99 | — | No charge since Jul 9: already cancelled? | Confirm | 01 |

**Quick wins (about 45 minutes total):**
1. Dispute the duplicate DashPass and Joe's Pizza charges → **$52.49 back** (template 06, 5 min).
2. Cancel Audible and ask for a refund of the 3 charges → **$179/year + up to $44.85 back** (template 08, 5 min).
3. Keep 1 of your 4 streaming services, rotate the others → **≈ $600/year** (template 01, 10 min).
4. Drop Google One *or* iCloud+ → **$36–$120/year** (10 min).
5. Ask for the $35 overdraft fee and $48 maintenance fees to be waived, then switch to a no-fee account → **up to $322/year** (template 09, 10 min).

**Negotiation upside (not counted above):** Verizon and Xfinity went up $15/month combined. Template 04 asks for the old price back.

**Potential savings if you do the quick wins:** ≈ **$1,150/year + $97 one-time.**

Which of these do you want to act on? Tell me the numbers and I'll write every message.

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## Drafted action example

**#12 · Audible · cancel + refund**
- **Channel:** Audible website → Account Details → Cancel membership. Then email/chat support for the refund.
- **Message:**
  > Subject: Refund request · free trial converted on July 25, 2026
  > Hello, I signed up for an Audible free trial in June. It converted into a paid plan and I was charged $14.95 on July 25, August 25 and September 25, 2026. I haven't used any credits since the trial ended. I've cancelled today. Please refund $44.85 to my card ending in [LAST 4] and confirm by email. Thank you, [NAME]
- **Follow-up:** if no refund within 7 days, reply once (template 07, Version C). If they refuse and you never agreed to be charged, dispute with your card (template 06).