Just Fucking Cancel

Analyze transactions, categorize subscriptions, generate HTML audit, help cancel.

How It Works

This skill analyzes your transaction history to find recurring charges (subscriptions), helps you categorize them, and provides direct cancel URLs. No automated cancellation - you control every action.

Transaction Data → Pattern Detection → User Categorization → HTML Audit → Cancel URLs

Triggers

• "cancel subscriptions", "audit subscriptions"
• "find recurring charges", "what am I paying for"
• "subscription audit", "clean up subscriptions"

Data Sources

Option A: CSV Upload (Recommended - Fully Local)

Upload a transaction CSV from your bank. All processing happens locally - no data leaves your machine.

Supported formats:

• Apple Card: Wallet → Card Balance → Export
• Chase: Accounts → Download activity → CSV
• Amex: Statements & Activity → Download → CSV
• Citi: Account Details → Download Transactions
• Bank of America: Activity → Download → CSV
• Capital One: Transactions → Download
• Mint / Copilot: Transactions → Export

Option B: Plaid Integration (ClawdBot Only)

If you have ClawdBot with Plaid connected, transactions can be pulled automatically.

Important: This requires Plaid credentials and sends data to Plaid's servers:

• PLAID_CLIENT_ID - Your Plaid client ID
• PLAID_SECRET - Your Plaid secret key
• PLAID_ACCESS_TOKEN - Access token for the bank connection

Privacy note: When using Plaid, transaction data is transmitted to Plaid's API. CSV analysis is fully local.

Workflow

1. Get Transactions

• CSV: User uploads file, analyzed locally
• Plaid: Pull last 6-12 months via API (requires credentials)

2. Analyze Recurring Charges

• Detect same merchant, similar amounts, monthly/annual patterns
• Flag subscription-like charges (streaming, SaaS, memberships)
• Calculate charge frequency and total annual cost

3. Categorize with User

For each subscription, ask user to categorize:

• Cancel - Stop immediately
• Investigate - Needs decision (unsure, trapped in contract)
• Keep - Intentional, continue paying

Ask in batches of 5-10 to avoid overwhelming.

4. Generate HTML Audit

Create interactive HTML report with:

• Summary: subscriptions found, total waste, potential savings
• Sections: Cancelled / Needs Decision / Keeping
• Privacy toggle to blur service names
• Dark mode support

5. Provide Cancel URLs

For each service to cancel:

1. Look up direct cancel URL from common-services.md
2. Provide URL to user - user navigates manually
3. Include dark pattern warnings and tips

No automated browser interaction - this skill provides URLs and guidance only. You control the actual cancellation.

HTML Structure

Three sections, auto-hide when empty:

• Cancelled (green badge, strikethrough) - Done items
• Needs Decision (orange badge) - Has checkboxes for selection
• Keeping (grey badge) - Reference only

Features:

• Floating copy button for selected items
• Privacy toggle blurs service names
• Collapsible sections
• Dark mode support

Cancellation Tips

See common-services.md for:

• Direct cancel URLs for 50+ services
• Dark pattern warnings (gym contracts, phone-only)
• Retention script responses
• Credit card dispute backup

Privacy Summary

Data Source	Where Processed	Data Leaves Device?
CSV Upload	Local only	No
Plaid API	Plaid servers	Yes (to Plaid)

Related

• plaid - Bank account connection
• ynab - Budget tracking
• copilot - Financial insights