This is why you should be able to pay with Lightning (NWC) and set a fixed budget, otherwise only use a prepaid debit card that you have to manually reload.

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ppq.ai but not sure it works with cline

Prepaid cards (or virtual numbers if privacy isn't a concern) are how I've been budgeting subscriptions for a while. A virtual card set to a $1 limit and 2-month expiry lets me sign up for trials etc. & never pay.