How do I audit and cut my subscriptions?

Pull a full month – ideally two – of card and bank statements and list every recurring charge, including the annual ones that renew quietly. Most people find subscriptions they forgot, free trials that converted, and overlapping services. For each, ask whether you've used it in the last month and whether it's worth its yearly cost (multiply monthly fees by 12 to feel the real number – a '$15/month' app is $180 a year). Cancel the dead weight, downgrade tiers you over-bought, and consider rotating streaming services rather than stacking them. Set a calendar reminder to repeat this audit every six months, since subscriptions creep back. Even trimming $60 a month frees $720 a year you can redirect to savings. Run the freed-up cash through the budget-analyzer at wealthserene.com/tools/budget-analyzer to see where it's best put to work.