just-fucking-cancel

# just-fucking-cancel Analyze transactions, categorize subscriptions, generate HTML audit, help cancel. ## Triggers - "cancel subscriptions", "audit subscriptions" - "find recurring charges", "what am I paying for" - "subscription audit", "clean up subscriptions" ## Workflow ### 1. Get Transactions **Option A: Plaid API (recommended — no CSV needed)** If the user has Plaid connected (check for Plaid integration/API access): 1. Pull last 6-12 months of transactions via Plaid Transactions API 2. All accounts are automatically included — no manual export needed 3. Skip straight to Step 2 **Option B: CSV Upload** Ask user for bank/card CSV export. Common sources: - 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 ### 2. Analyze Recurring Charges Read CSV, identify recurring patterns: - Same merchant, similar amounts, monthly/annual frequency - Flag subscription-like charges (streaming, SaaS, memberships) - Note 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 Copy [template.html](assets/template.html) and populate: - Update header summary: - Scope line: "found N subscriptions · N transactions" - Breakdown: "Cancelled N · Keeping N" - Savings: yearly amount big, monthly in parentheses - Timestamp: current date - Add rows to appropriate sections (cancelled/investigate/keep) - Include notes from user responses Row templates in the HTML comments show the structure. ### 5. Cancel Subscriptions When user checks items and copies from floating button, they'll paste: `Cancel these: Service1 ($XX), Service2 ($XX)...` For each service: 1. Check [common-services.md](references/common-services.md) for cancel URL 2. Use browser automation to navigate and cancel 3. Update HTML row to cancelled status with date ## HTML Structure Three sections, auto-hide when empty: - **Cancelled** (green badge, strikethrough) - Done items, the win - **Needs Decision** (orange badge) - Has checkboxes for cancel selection - **Keeping** (grey badge) - No checkboxes, just reference Features: - Floating copy button appears when items checked - Privacy toggle blurs service names - Collapsible sections via header click - Dark mode support ## Cancellation Tips For difficult services, see [common-services.md](references/common-services.md): - Direct cancel URLs for 50+ services - Dark pattern warnings (gym contracts, phone-only) - Retention script responses - Credit card dispute backup ## Privacy All data stays local. Transaction CSVs are analyzed in-session only.