{"title":"Money \u0026 Budgeting","description":"\u003cp\u003ePractical guides for everyday money: cutting recurring costs, planning shared expenses and keeping more of what you earn. General information, never financial advice.\u003c\/p\u003e","products":[{"product_id":"subscription-cleanout","title":"The Subscription Cleanout","description":"\u003cp\u003eStreaming, apps, cloud storage, deliveries, memberships: each charge is small, easy to forget and billed somewhere different. In one 2022 survey, people who listed every subscription found they spent about $219 a month, against a first guess of $86.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eThe Subscription Cleanout\u003c\/em\u003e is a 36-page guide to a 90-minute audit that finds every recurring charge across your cards, bank account, app stores, payment services, email and bills. One simple rule, the Re-sign Test, then sorts each charge into keep, cut, downgrade or negotiate, and nine scripts help you cancel by web, app, phone, chat or letter.\u003c\/p\u003e\n\u003cp\u003eUnlike blank tracker printables, it shows you where hidden charges live and what to say when a company makes leaving hard. It explains in plain English, with dated sources, what the rules actually require today, including what happened to the FTC's \"click to cancel\" rule. And it comes with a spreadsheet that does the math for you.\u003c\/p\u003e\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cp\u003eBusy US households and individuals who suspect they're paying for subscriptions they no longer use, or who've lost track of what renews when.\u003c\/p\u003e\n\u003ch3\u003eWhat's inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe 90-minute Charge Hunt:\u003c\/strong\u003e six timed sweeps through statements, app stores, payment services, email and bills, with ready-to-type email searches and a statement decoder.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Re-sign Test:\u003c\/strong\u003e a decision tree that sorts every charge into keep, cut, downgrade or negotiate, plus cost per use, a downgrade menu and a worked example.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNine cancellation scripts:\u003c\/strong\u003e phone, chat and written cancellations, saying no to save offers, asking for refunds, negotiating a price increase, revoking bank authorization and disputing a charge.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYour rights in plain English:\u003c\/strong\u003e the federal rule for online subscriptions, the current status of \"click to cancel,\" state automatic renewal law examples and the deadlines that matter.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e6 printable worksheets and a quick-reference card,\u003c\/strong\u003e plus free-trial and price-hike defenses and a review calendar: five minutes a month, 45 minutes twice a year.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eGood to know\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFormat:\u003c\/strong\u003e 36-page PDF (US Letter, US edition), plus Subscription-Tracker.xlsx, a spreadsheet that works out monthly and yearly costs, cancel-by dates and your savings. It opens in Microsoft Excel, Google Sheets, Apple Numbers or LibreOffice.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDelivery:\u003c\/strong\u003e instant digital download. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePrinting:\u003c\/strong\u003e you may print it for your own household.\u003c\/li\u003e\n\u003cli\u003eThis guide gives general information. It isn't legal or financial advice. Intelevo isn't affiliated with any company named in the guide.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Intelevo","offers":[{"title":"Default Title","offer_id":50818225242309,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0845\/1919\/0725\/files\/subscription-cleanout-cover-2026-11.jpg?v=1793633364"},{"product_id":"pause-before-you-buy","title":"The Pause Before You Buy","description":"\u003cp\u003eA creator you like holds up a jacket. A timer counts down, a banner says only three are left, and the checkout button already knows your card. Shopping from a feed is built to feel effortless, and in a 2022 Pew Research Center survey, 30% of adult social media users said they had bought something after seeing an influencer post about it.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eThe Pause Before You Buy\u003c\/em\u003e is a 34-page, day-by-day reset for the way you shop from your phone. It names eleven common nudges and gives you a counter-move for each, then helps you build a pause that fits the price: a Pause List, a waiting period that grows with the cost, cost-per-use and hours-of-work tests, and three questions before checkout.\u003c\/p\u003e\n\u003cp\u003eUnlike no-buy challenges and blank trackers, it doesn't ask you to stop shopping or run on willpower. It explains in plain English, with dated sources, what the FTC requires of sponsored posts, what federal researchers found about buy now, pay later, and what to check in a return policy. A spreadsheet does the math for you.\u003c\/p\u003e\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cp\u003eUS adults, especially 18 to 40, who buy on impulse from TikTok, Instagram, YouTube or shopping apps and want to cut back without giving up shopping altogether.\u003c\/p\u003e\n\u003ch3\u003eWhat's inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe nudges, decoded:\u003c\/strong\u003e sponsored posts and the FTC's disclosure rules, affiliate links, fake timers and low-stock messages, drops, one-tap checkout and live shopping, each with a counter-move.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe pause system:\u003c\/strong\u003e the Pause List, a Pause Ladder that sets the wait by price (1, 3, 7 or 30 days), cost per use, hours of work and three questions before checkout.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA feed and phone audit:\u003c\/strong\u003e six short sweeps for notifications, saved cards, marketing email and texts, your feed and your home screen, with steps checked on official help pages.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePay later and returns, in plain English:\u003c\/strong\u003e how pay-in-four works, what the Federal Reserve and CFPB found, what changed in the rules in 2024 and 2025, and an eight-point return check.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA 30-day plan, 7 worksheets and a quick-reference card,\u003c\/strong\u003e with two cut-out wallet cards and clear signposts to nonprofit credit counseling and mental health support if you need more help.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eGood to know\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFormat:\u003c\/strong\u003e 34-page PDF (US Letter, US edition), plus Pause-List-Tracker.xlsx, a spreadsheet that works out your waiting periods, pause-end dates, cost per use, hours of work and money not spent. It opens in Microsoft Excel, Google Sheets, Apple Numbers or LibreOffice.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDelivery:\u003c\/strong\u003e instant digital download. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePrinting:\u003c\/strong\u003e you may print it for yourself and your household.\u003c\/li\u003e\n\u003cli\u003eThis guide gives general information. It isn't financial, legal or mental health advice, and it doesn't recommend for or against any financial product. Intelevo isn't affiliated with any company named in the guide.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Intelevo","offers":[{"title":"Default Title","offer_id":50832629006533,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0845\/1919\/0725\/files\/pause-before-you-buy-cover-2026-11.jpg?v=1793633361"}],"url":"https:\/\/intelevo-intelligence.com\/collections\/money-budgeting.oembed","provider":"INTELEVO","version":"1.0","type":"link"}