Your ongoing finance punch list, updated as provider outcomes are verified. Last updated October 30, 2026. Checked items mean the stated action is complete; they do not imply a bank-verified saving.

Current punch list

GitHub Enterprise payment method — remove Nick’s card. Ignite Coherence Enterprise holds the current card. No Remove control is available. Nick requested a replacement card; the form is open in Chrome, waiting for Nick to enter and save it. Verify the replacement afterward. Preserve repositories and services.
Audible — waiting for Nick. [account email omitted], $22.95/month, six credits at last inspection, next bill November 5. Cancel only after Nick confirms credits used.
Nico Workspace — deletion scheduled. November 10, 2026 at 09:00 America/Cancun. One-time persistent server timer is installed and waiting; the user has not yet been deleted. Claude renewal is already off, with access through November 9. Verify deletion and subsequent billing. Scheduled closure record.
Fly — complete migration before shutdown. Signed and notarized Mac 0.5.21 candidate exists; pilot, publication, Windows build, old-client update compatibility and live dependency checks remain. Tracker, meeting software, MCP, authentication, health and maintenance dependencies must be verified. No Fly resources stopped.
Vercel — measure after hourly builds. Hourly production timer verified. Preserve live Coherence hosting. Pro is $20/month plus variable usage; inspect the next invoice and build consumption before booking savings. Review reuse of unchanged frontend builds.
Cloudflare — reduce measured D1 and KV work. October 29 invoice $285.35 marked Paid by provider; matching bank charge was still pending October 30. D1 $156.32 and KV $71 are the main measured targets. Attribute callers and historical mention catch-up scans before changing live dependencies.
Subscription reconciliation — finish exact account and invoice matches. Supabase $25 project match; Adobe, Xero, Eden and Care.com plans/accounts; Zernio historical charge; DeepAPI, DeepSeek and fal top-ups versus consumption; Porkbun domains and renewal dependencies. Missing receipts do not prove cancellation.
Stripe to GoCardless — implement a controlled customer migration. Model and detailed steps below. No customers migrated or contacted.

Savings and accounting

Item	Amount	Meaning
Avoided subscription renewals	$702.30/month	Gross estimate; $8,427.60 annual equivalent. Not bank-verified realized savings. No GLM Lite replacement bought.
Stripe to GoCardless	$874.13/month	Separate modeled saving; $10,489.56 annual equivalent. No migration completed.
Deleted Workspace seats	Billing verification pending	Skippy and Neeko deleted. Nico scheduled. Seat commitment and invoice effects must be checked before adding savings.

Keep fixed monthly prices, annual equivalents, variable usage, prepaid top-ups, refunds and one-time purchases separate. Do not add modeled savings to realized savings.

Stripe to GoCardless

Actual Stripe card history covers July 29–October 28, 2026; the last day was partial at retrieval. There were 127 charge attempts, 115 successful payments and 241 balance transactions. Successful payments totaled $102,289.68 gross and $3,032.81 actual charge-linked fees.

The model uses 108 payments with US billing and US-issued cards, totaling $100,167.33 gross. Geography is a candidate filter, not proof of bank-debit eligibility. Nick accepts GoCardless pricing as a working assumption; do not restart contract/access investigation.

US candidate group	Three months	Monthly average
Actual Stripe fees	$2,937.33	$979.11
Modeled GoCardless fees	$314.94	$104.98
Modeled saving	$2,622.39	$874.13

Model: domestic GoCardless Standard at 0.5% + $0.05, capped at $5 per payment. Extra fees, failures, refunds, disputes, FX, migration effort and remaining billing software costs are excluded. Actual Stripe fees were used rather than reconstructed card pricing.

Customer migration candidates

Counts and gross amounts cover the full three-month sample. Savings are monthly modeled averages.

Customer	Payments	Gross	Stripe fees	GC estimate	Monthly saving
Customer 1	13	$27,317.85	$796.12	$65.00	$243.71
Customer 2	13	$25,704.99	$749.35	$65.00	$228.12
Customer 3	13	$23,862.33	$695.92	$65.00	$210.31
Customer 4	13	$7,774.10	$229.36	$39.52	$63.28
Customer 5	13	$5,271.74	$156.79	$27.01	$43.26
Customer 6	13	$4,224.41	$126.41	$21.77	$34.88
Customer 7	13	$2,973.20	$90.12	$15.53	$24.86
Customer 8	13	$2,917.50	$88.56	$15.29	$24.42
Customer 9	4	$121.21	$4.70	$0.82	$1.29

Rounding of individual customer figures can differ from the aggregate.

Migration punch list

Confirm each candidate’s bank-debit eligibility, current invoice and payment cadence.
Decide the initial customer group and approve customer communication before sending it.
Obtain authorized mandates and map customer, invoice and payment identifiers.
Check Stripe Capital minimum collection obligations before reducing Stripe volume.
Verify which invoicing or Billing fees remain after moving collection.
Run an authorized first replacement payment and reconcile settlement, fees and invoice status.
Prevent duplicate collection before turning off the corresponding Stripe collection.
Expand only after successful reconciliation; track actual savings separately from this model.

Stripe Capital remains separate: $19,527.54 payable at the October 28 inspection. Original advance $21,000; fixed fee $2,016; total due $23,016. Repayment was 6.4% per transaction with a $2,557.34 minimum every 60 days; the then-current minimum was met. Moving processors does not cancel this debt. Principal repayment is not a processing fee or saving.

The model and customer estimates from the original Stripe to GoCardless report are preserved above. Receivables remain outside this punch list.

Completed actions

Nico Claude $200/month renewal cancelled; access through November 9.
Skippy OpenAI email change completed per Nick to [account email omitted].
Taplio cancellation and refund completed per Nick.
monday, Kimi and Fish Audio renewals cancelled.
SignalWire numbers released and auto-top-up disabled.
Walter, ElevenLabs and Nango already off or free.
Qwen Pro renewal off and the sole listed PAYG key disabled.
All three paid GLM Max renewals verified off; account1 has no plan. No Lite bought. Further GLM work removed by Nick.
Skippy Workspace deleted and independently verified with Directory 404.
Neeko Workspace deleted and independently verified with Directory 404; not suspended or archived. Deletion record.
BWE remittance forwarding to [account email omitted] saved.
Hourly Vercel production-build timer installed and verified.

Canva and Refero were removed from this action list by Nick; no cancellation is claimed. OpenArt is leave-alone. Passive Rebel $27 was one-time. Drive cleanup belongs to another session and is excluded.

Further cost review

These are review candidates, not cancellation instructions. Keep account and billing cadence separate.

AI: reconcile each Claude and Codex account’s paid plan, owner, actual use and renewal independently before reducing seats. Provider account lists are not a reconciled bank total.
Other recorded subscriptions: Slack, Era, Nate, Netflix, Spotify, YouTube, datasciencebrain, Plex, Newshosting, Epic, Amazon Prime and digital charges, Paired, Roku, Nanonoble, Telmex, Verizon and Evolve. Verify current charge and dependency before any cancellation.
Infrastructure: GitHub base subscriptions versus Actions usage; Vercel base versus build usage; Cloudflare product-level costs; Fly machines, volumes and builder; Supabase project billing; prepaid API providers; domain renewals.

Update this same page as evidence changes. Preserve user holds and completed actions; record provider verification separately from bank settlement. No automatic polling or new subscription was created.