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What am I overspending on without realizing it?

Based on your spending data from the first half of 2024, your money is primarily going toward small, frequent purchases and a significant number of monthly subscriptions. These are common areas for "unrealized" overspending.

1. Small, Everyday Purchases

You spent $17,499 on purchases under $100 in approximately six months, an average of $2,692 per month. This spending is concentrated in two areas:

General Merchandise (Primarily Amazon): You spent $6,377 at Amazon across 145 transactions. This averages nearly $1,000 per month. The high frequency and volume of these purchases suggest they are a primary source of discretionary spending that adds up significantly.
Food and Drink: You spent $4,958 in this category, averaging $762 per month. This includes $917 spent at Peet's Coffee, Starbucks, and Dunkin' combined, which is about $141 per month just on coffee.

2. Recurring Subscriptions

You have 15 recurring subscriptions costing approximately $675 per month. Several of these appear to be redundant.

Category	Merchant	Cost	Recommendation
Music	Spotify	$13	You are subscribed to two music services.
	Apple Music	$14	Action: Cancel one to save ~$13/month.
Fitness	Planet Fitness	$30	You are subscribed to a gym and a home workout service.
	Peloton	$60	Action: Evaluate if both are necessary. Canceling one could save $30-$60/month.

Recommendation: Conduct a full audit of your 15 subscriptions. Start by canceling the redundant services identified above. This could result in immediate monthly savings.

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What is Franklin AI and how does it work?

Franklin AI is a financial intelligence app that connects to your accounts to give you a complete picture of your money. Ask questions and get personalized answers based on your real data with interactive charts to explore details. No spreadsheets. No manual tracking. Just clarity.

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