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You're Probably Paying for the Wrong AI Tools — Here's How to Audit Yours in 20 Minutes

By Bijan Stephens April 3, 2026 5 min read

I want you to do something right now. Open your credit card statement — or your bank app, or whatever you use — and look for subscriptions. Count the ones with "AI," "automation," or software tool names you vaguely recognize.

If that number is more than three, you have a problem. And if any of those subscriptions is something you signed up for after watching a YouTube video six months ago and haven't touched since — I'm talking to you specifically.

The average small business owner I work with is paying for 2–3 tools they're either barely using or completely duplicating. At $20–$50 a pop, that's $500–$1,500 a year evaporating with nothing to show for it. Let's fix it.

The 20-Minute Audit: Three Steps

Step 1: Make the List

Write down every software tool you pay for. Every single one. ChatGPT Plus, Zapier, Make, Notion AI, Jasper, Copy.ai, Calendly, Loom, whatever scheduling or CRM tool you signed up for. If it's a recurring charge, it goes on the list.

Don't filter yet. Just list them.

Step 2: Answer One Question Per Tool

For each tool on that list, answer this question out loud — don't write an essay, just answer it in 10 seconds or less: "When did I last use this, and what did I use it for?"

Here's the rule: if you can't answer that question in 10 seconds, cancel the tool. Not pause it, not "revisit it next month." Cancel it. If you can't remember what you used it for, it's not working for you.

This sounds harsh. It's not. You can always resubscribe if you find you actually need it. What you cannot do is get back the $40/month you've been auto-paying for a tool that's been sitting untouched since January.

Step 3: Check for Duplication

Look at your remaining list and ask: are any of these doing the same thing? The two most common culprits:

The Two Traps That Drain the Most Money

Beyond duplication, there are two patterns I see constantly that are specifically wasteful:

  1. The "I might use this later" subscription. You signed up for a tool because you had a project in mind. The project got delayed. The tool is still billing you. Cancel it. When the project is real, re-subscribe. Subscriptions are not commitments — they're month-to-month bets. Bet on things that are delivering value now.
  2. The stack that grew without a plan. You added Jasper for writing, then Copy.ai for a different project, then ChatGPT because everyone said to — and now you have three AI writing tools running simultaneously. Pick one. Use it for everything. You'll get better at it, faster.
"One tool you use well beats three tools you use badly every time."

The Right Stack for Most Solo Operators

I've consulted with enough one-person and small-team businesses to say this with confidence: the right stack for most of you is exactly three things.

That's it. Three tools. Probably $20–$30/month total depending on your Zapier plan. Everything beyond that needs to earn its spot by solving a specific, recurring problem that none of these three tools can handle.

Do the audit today. Seriously — it takes 20 minutes and the savings are immediate. Every dollar you stop paying for something you're not using is a dollar you can put toward something that actually moves your business forward.

Sound familiar?

If you want a second set of eyes on your specific tool stack — what to keep, what to cut, and what's missing — book a free call and I'll give you a clear recommendation. No sales pitch. Just the honest answer.

Book My Free Discovery Call →
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