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Subscriptions
The annual audit, when streaming stops being worth it, meal-kit math, and the software you forgot you pay for.
When streaming services stop being worth it
With ad-tier streaming hitting $14–18 a month and most households subscribed to four, the math has flipped from where it stood five years ago. Dropping to two services and rotating quarterly saves about $240 a year, and you'll watch more of what you'd queued anyway.
The annual subscription audit
Most households are paying for 3–5 services they don't actively use. A 30-minute annual review of bank statements typically finds $40 a month in cuts — about $480 a year. The exercise pays for itself the first time and you can repeat it forever.