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List them all, multiply by twelve, and feel the number. Then decide: keep, cancel, or negotiate.
To cancel: “I'd like to cancel my subscription, effective at the end of the current billing period. Please confirm by email that no further charges will occur.”
To negotiate: “I've been a customer for [X years], and I'm comparing alternatives at a lower price. Is there a promotional or retention rate you can offer to keep my business?”
The 30-day test: Not sure? Cancel it. If you genuinely miss it within 30 days, resubscribe — most services will even offer you a comeback deal.
A blank audit table with the annual-cost doubler and the cancel scripts — print it, grab a bank statement, and go hunting.
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Scan the last 90 days of bank and card statements — annual renewals and app-store charges hide outside the monthly rhythm. Check your Apple and Google subscription pages too. The average household underestimates its subscription spend by more than half, which is exactly why writing every one of them down works.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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