New York City · Household Cost Intelligence
Find the costs you forgot about. Fix the ones you don’t need.
SCGK & Co helps New York households and businesses identify, organize and optimize recurring financial commitments — subscriptions, bills and contracts — bringing professional cost-analysis discipline to everyday household economics.
Why New York, and why now
New York households have a particular reason to examine recurring expenses: the problem is not only that individual bills are expensive — it is financial complexity. Rent, utilities, telecom, insurance, memberships, streaming, software, delivery services and automatic renewals accumulate without a structured household review.
62%
of New Yorkers — about 5.04 million people — do not meet the City's calculated 2026 True Cost of Living.
Oct 1, 2026
NYC's Click-to-Cancel rule takes effect, requiring covered businesses to make subscription cancellation substantially easier.
New York is making subscription cancellation easier. Are you still paying for things you don’t use?
The City is changing the rules around subscription cancellation. SCGK & Co helps you understand what is already on your household ledger — with the NYC Household Cost Reset, a structured review that classifies every recurring commitment.
Keep
Still earns its place
Review
Warrants a closer look
Cancel / Renegotiate
Unnecessary or overpriced
Investigate
Cannot yet be explained
Figures reflect published 2026 analyses from the City of New York, including its True Cost of Living report and the Click-to-Cancel rule. SCGK & Co is not affiliated with the City of New York. Improvements are identified as potential opportunities — never promised savings.
Start the Free Check →Six problems New York households actually have
“I don’t know everything I’m paying for.”
The foundational problem. The household does not need another budgeting app — it needs one structured view of what it already pays for every month.
Subscriptions accumulate quietly
Streaming, software, fitness, delivery, news, professional memberships — none feels significant alone. Together they become a substantial commitment.
Bills become more expensive without a review
Internet, mobile, insurance and utilities renew at higher rates because switching is inconvenient. Bill Optimization ties SCGK's fee to verified reductions only.
Housing dominates the economics
SCGK does not position itself as a rent-reduction service. It reviews the recurring layer around the home — internet, utilities, insurance, security, storage and services.
Successful households are administratively overloaded
The better customer is not struggling financially — they are out of time. High income, many commitments, little attention left for small expenses.
Time is itself an economic asset
Financial waste plus administrative friction is the real cost. SCGK identifies where household money is leaking — and reduces the burden of fixing it.
The SCGK Path
From free check to verified outcome.
01
Financial Clarity Check
Free
See where your recurring costs may be hiding. A short, guided review — no obligation.
Explore →02
Financial Clarity Audit
$49
Establish visibility over every recurring commitment — what exists, what it costs.
Explore →03
Subscription Cleanup
$99
Identify unnecessary and overlapping commitments — and act on them through your decisions.
Explore →04
Bill Optimization
25% of verified savings
Of verified first-year savings only. No verified reduction, no success fee.
Explore →05
Financial Clarity Concierge
$199
A broader recurring-cost review — household and business, with a prioritized action plan.
Explore →Each engagement is one-time and priced before work begins. Potential opportunities are never presented as verified savings.
The SCGK New York client
“I know we’re spending too much, but I don’t have time to investigate everything.”
Financially functional · Time-poor · Economically conscious
Target Segments
Segment
Pain
SCGK Fit
Young professionals
Subscriptions and recurring services
High
Dual-income professionals
Complexity and lack of time
Very high
Families with children
Multiple recurring expenses
Very high
Affluent households
Administrative complexity
Very high
Small-business owners and professionals
Household and business recurring costs
Very high
Who SCGK & Co Is Not For
- —Debt counseling — a different problem.
- —Investment advice — a different category.
- —Tax preparation — a different category.
- —Emergency financial assistance — different economics.
- —Consumers expecting guaranteed savings — savings depend on circumstances and are never guaranteed.
You earn your money. SCGK helps you spend less time managing it.
Start the Free Financial Clarity Check →Educational and organizational service. Not financial, tax, or investment advice.