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That Tuesday morning still burns in my memory - rain smearing the bus window while I frantically thumbed through banking alerts. Netflix, Spotify, that obscure yoga app I used twice... twelve separate $5-$20 deductions bleeding my account dry. My thumb actually cramped scrolling through the carnage. Digital subscriptions had become financial leeches, each login screen a mocking reminder of my disorganization. The final straw? Realizing I'd paid for Duolingo Premium for eight months despite aband

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