Start with categories, not merchant names. Ask everyone in the household what they use for music, streaming, cloud storage, fitness, news, games, and work. Then check whether a carrier, employer, university, or family plan already includes the same thing.
Use three columns
| Who pays? | Who uses it? | Who owns the account? |
|---|---|---|
| Sam’s card | Sam and Jo | Jo’s Apple Account |
That small table prevents a common mistake: cancelling the plan with the login or shared files while leaving the unused duplicate active.
Where overlaps hide
- Two music services because a family plan was never shared.
- Personal cloud storage beside an employer or carrier allocation.
- Streaming service in a broadband bundle plus direct billing.
- Software paid once personally and once through work.
- Separate gym, meditation, or fitness apps doing same job.
Do not optimise people out of the plan
Two subscriptions are not automatically waste. A shared plan can be more expensive to replace than it is to keep; a personal account may hold data or preferences someone needs. Confirm access, billing date, and cancellation effect before you act.
Cadora can keep payer, category, and next renewal in one list. It does not identify duplicates automatically; the conversation still belongs to people using the services.