# spend-optimizer

> Claude/Codex skill by [@cathrynlavery](https://omgskills.com/library/cathrynlavery/index.md) · 28 stars · Updated 2026-01-06

Audit subscriptions AND optimize credit card rewards. Analyzes bank CSVs to find recurring charges, categorize spend, identify which card each charge should be on, and calculate potential rewards. Use when user says "audit subscriptions", "optimize my cards", "maximize rewards", or "analyze my spending". Outputs interactive HTML with subscription management and card optimization.

## Install

```sh
git clone https://github.com/cathrynlavery/spend-optimizer ~/.claude/skills/spend-optimizer
```

## From README

spend-optimizer Complete spend optimization: subscription auditing + credit card rewards maximization. What This Does Subscription Audit - Find recurring charges, categorize (keep/cancel/investigate), calculate savings Card Optimization - Map charges to optimal credit cards based on reward categories Credit Optimization - Flag services you're paying for that should be FREE via card credits Interactive Reports - HTML dashboards with dispute tracking, notes, and actionable insights Workflow Step 1: Get Transaction CSVs Ask user for bank/card CSV exports. Support multiple cards for full optimization. Common export sources: Apple Card: Wallet → Card Balance → Export Amex: Account → Statements & Activity → Download Chase: Accounts → Download activity → CSV Mint/Copilot: Transactions → Export all Important: Request exports from ALL cards for accurate optimization. Note the last 4 digits of each card number.

## Links

- HTML page: https://omgskills.com/library/cathrynlavery/spend-optimizer/
- GitHub: https://github.com/cathrynlavery/spend-optimizer
- Author: [@cathrynlavery](https://omgskills.com/library/cathrynlavery/index.md)

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