Introduction
# 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](references/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](references/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