A kitchen table at evening covered with a fanned stack of blank statements, a highlighter, a calculator and a phone, with a hand mid-note.

The Standing-Order Audit

Find every recurring charge you have, including the ones that no longer appear on a statement you read, and put them on one page in order of size.

Module 1 of 84 lessonsWritten in full1 worksheet

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The lessons

All 4, in the order they are read.

1. The bills you cannot name
Most households can name six recurring charges and are paying between fourteen and thirty. The gap is the whole opportunity.
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2. Reading twelve months, not one
Annual and irregular charges are invisible to a one-month review, and they are usually the largest discretionary lines you have.
3. The charges that never touch a bank statement
Phone-billed services, app-store subscriptions and payroll deductions sit outside the statement and outside most people's mental total.
4. The one page
One row per charge, sorted largest first, with the four columns that the rest of the course fills in.

The worksheet

The standing-order register

One row per recurring charge. Fill the first seven columns from your statements; the last four are filled in by Modules 2 through 8. The example row shows the shape. Sort the finished sheet by annual cost, descending — that order is the order you work in.

The standing-order register
Charge (as it appears)	Vendor	What it is for	Billing period	Amount	Annual cost	Where it is billed	Last price change	Contract end / renewal date	Published cheaper tier?	Action
EXAMPLE ROW — replace	Example Telecom	Home internet	Monthly	$79.99	$959.88	Checking ****1234	Rose $10 in March	Out of contract	Yes — same speed, promo tier	Module 4: call retentions
—	—	—	Monthly / Annual / Quarterly	—	= amount x periods per year	Bank / card / phone bill / app store / payroll	From the statement history	From the agreement	Module 3 answers this	One of: keep, downgrade, renegotiate, cancel, replace

Module 2: What Each Bill Is Actually Priced On →