| Perplexity | AI Tools | R2,440 | HIGH | Review |
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|
| monthly (multiple charges) | Perplexity direct | |
| Anthropic / Claude | AI Tools | R2,081 | HIGH | Keep |
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|
| mid-month | Anthropic direct | |
| OpenAI / ChatGPT | AI Tools | R1,277 | MEDIUM | Downgrade |
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|
| 21st monthly | OpenAI direct | |
| Youtility / Faircape | Utilities | R1,067 | HIGH | Keep |
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| monthly | Faircape | |
| Apple.com/BILL (excl Photo Vault) | Media & Entertainment | R1,053 | MEDIUM | Review |
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|
| monthly (rolling) | Apple | |
| Genspark.ai | AI Tools | R902 | LOW | Cancel |
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|
| 8th & 11th monthly | Genspark direct | |
| NomadeSim | Connectivity | R844 | MEDIUM | Review |
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|
| as needed | NomadeSim | |
| Vodacom Bundles | Connectivity | R674 | MEDIUM | Review |
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| monthly | Vodacom | |
| Bank monthly account fee | Banking & FX | R435 | N/A | Review |
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| 9th monthly | FNB | |
| Private Photo Vault Ultimate | Media & Entertainment | R400 | LOW | Cancel |
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|
| 2026-08-03 | Apple App Store | |
| Google Workspace (jslabs.xyz) | Productivity | R330 | HIGH | Keep |
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|
| 1st monthly | Google | |
| Setapp | Software Bundle | R286 | MEDIUM | Review |
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| 17th monthly | Setapp/Paddle | |
| Intl payment fees (FX leakage) | Banking & FX | R243 | N/A | Review |
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|
| per charge | FNB | |
| OneCal (Paddle) | Productivity | R235 | MEDIUM | Review |
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|
| 24th monthly | Paddle (OneCal) | |
| Lovable | AI Tools | R210 | HIGH | Keep |
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| 17th & 27th monthly | Lovable direct | |
| Recall.ai | AI Tools | R204 | LOWEST | Cancel |
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|
| 14th monthly | Recall direct | |
| Dropbox | Cloud Storage | R191 | MEDIUM | Review |
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| monthly | Dropbox | |
| Vercel | Dev Tools | R187 | MEDIUM | Keep |
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|
| monthly | Vercel | |
| Spotify Premium Platinum | Media & Entertainment | R180 | MEDIUM | Downgrade |
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|
| monthly | Spotify direct | |
| Parallel Web Systems | Dev Tools | R171 | MEDIUM | Review |
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|
| 10th monthly | Parallel direct | |
| Netlify | Dev Tools | R169 | MEDIUM | Keep |
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|
| 16th monthly | Netlify | |
| Google Workspace (jslabs.com) | Productivity | R167 | MEDIUM | Review |
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|
| 1st monthly | Google | |
| Serus.ai | AI Tools | R165 | LOWEST | Cancel |
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|
| 19th monthly | Serus direct | |
| Audible Membership | Media & Entertainment | R165 | LOW | Review |
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|
| 2nd monthly | Audible | |
| IFTTT Pro+ | Automation | R162 | LOW | Review |
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|
| 16th monthly | IFTTT | |
| Proton | Security | R154 | LOW | Review |
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|
| monthly (multiple) | Proton | |
| CentryAI Pro | Productivity | R150 | LOWEST | Cancel |
|
|
| 2026-07-11 (trial ends) | Apple App Store | |
| 1Password | Security | R146 | HIGH | Keep |
|
|
| 16th monthly | 1Password | |
| Slack | Productivity | R129 | MEDIUM | Review |
|
|
| 24th monthly | Slack direct | |
| CC Xtra Savings subscription | Banking & FX | R99 | N/A | Review |
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|
| 9th monthly | FNB | |
| Raindrop.io PRO | Productivity | R69 | MEDIUM | Review |
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|
| 8th monthly | Paddle/Fastspring | |
| Bank monthly facility fee | Banking & FX | R69 | N/A | Review |
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|
| 9th monthly | FNB | |
| Google Play (unknown app) | App Store Misc | R55 | LOW | Review |
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| monthly | Google Play | |