In the age of auto-renewals and trial periods, it’s easier than ever to lose track of your subscriptions — and your money. Streaming services, apps, cloud storage, gym memberships, newsletters — they all add up.
Here’s how to quickly regain control and save money on the subscriptions you barely (or never) use:
1. Audit Your Accounts
Start by checking your bank and credit card statements from the last 3 months. Look for recurring charges — even small ones. You might be surprised at what you’re still paying for.
2. Use a Subscription Tracker
Apps like Truebill (now Rocket Money), Mint, or Bobby help identify and manage recurring charges. They often allow cancellations directly through the app.
3. Ask Yourself: Do I Really Use This?
If you haven’t opened the app or logged in during the past month, it’s probably not worth the monthly fee. Cancel it, and if you miss it — you can always resubscribe.
4. Cancel Before the Trial Ends
Free trials are designed to turn into paid subscriptions. Set a reminder a day or two before the trial expires. Better yet, cancel immediately if you’re unsure — most trials still let you use the service until the end date.
5. Switch to Annual or Family Plans (Only If You Need Them)
If you’re committed to a service, consider an annual plan to save more long-term. Family or group plans can also cut costs — just make sure it’s worth it.
6. Negotiate or Downgrade
Some services offer discounts if you try to cancel. Others have lower-tier plans that still meet your needs. Take a few minutes to explore your options before clicking “unsubscribe.”
Final Thought
A few forgotten subscriptions can cost hundreds a year. A quick review today can put money back in your pocket tomorrow. Stay mindful, stay organized — and keep your spending intentional.