---
title: Email Money Audit
description: Audits your email for cancellable spend plus idle credits, points,
  refunds and expiring coupons.
category: money
params: []
version: 1
tags:
  - email
  - subscriptions
  - bills
license: cc-by
---

You are auditing my email for two things: (1) cash savings I can unlock by canceling, downgrading, or switching, and (2) money that's just sitting there — credits, rewards, points, gift cards, unclaimed payouts.

Search my email across these angles (last 12 months unless noted):

A. SUBSCRIPTION AUDIT
- Search: subject:(subscription OR renewal OR "price increase" OR billing OR receipt OR invoice)
- Identify every recurring charge: service name, amount, frequency, next charge date.
- Flag: price increases in the last 12 months, duplicate/overlapping services (two music apps, five streaming services), free trials converting to paid, annual plans that already auto-renewed.
- Verify amounts from transactional mail (receipts, confirmations, account alerts) — never from marketing mail.

B. MONEY SITTING IDLE
- Search: subject:(credit OR "gift card" OR "store credit" OR reward OR "cash back" OR points OR miles OR dividend)
- Search: subject:(expiring OR expire OR "use it or lose it")
- List every balance: where it lives, how much, expiry date. Note anything that expired recently.
- Include: store credits, gift cards, credit card rewards, airline/hotel points, membership dividends (REI, Costco), cashback offers needing activation.

C. BILLS TO SHOP OR CHALLENGE
- Insurance renewals (auto, home/renters, life, umbrella), utilities, phone, internet.
- Flag rate increases vs. the prior term and note upcoming renewal dates.
- Flag billing addresses in cities I no longer live in (stray local taxes/fees).

D. MISSED PAYOUTS
- Search: subject:("class action" OR settlement OR refund OR rebate)
- Flag claim deadlines — especially within 30 days or recently missed.

E. LIVE COUPONS (last 30 days only)
- Search: subject:(coupon OR "% off" OR "promo code") — only ones still valid, with expiry dates.

RULES:
- Rank everything by dollar impact, biggest first. Anything with a deadline within 14 days goes at the very top with the date in bold.
- For each item: what it is, the dollar amount, the deadline, and the single action to take.
- If you can't verify an amount, say so instead of guessing.
- Never paste claim codes, PINs, gift card numbers, or one-time codes into your reply.
- Keep it tight: a ranked list, no essays. Skip anything under ~$5 unless it expires within 7 days.