Subscription guides
Practical, honest writing about how to track, manage, and cancel subscriptions — without linking your bank, paying for an app, or building a complicated spreadsheet.
How to track your subscriptions (free, no bank login required)
A practical guide to tracking every recurring charge — without linking your bank, paying for an app, or building a complicated spreadsheet.
How much should I spend on subscriptions? A budget reality check
Honest benchmarks for monthly subscription spend by income bracket, plus a quick exercise to right-size your stack.
How to cancel a subscription (the friction-free way)
A step-by-step guide to cancelling any subscription cleanly — without falling for retention dark patterns.
Signs of subscription bloat (and how to cure it)
How to spot the subscription stack that's quietly draining your account — and what to do about each pattern.
Family subscription sharing: what works and what to track
How to share subscriptions fairly across a household — without breaking ToS or losing track of who pays for what.
Subscription tracker without bank access — why and how
Why bank-link subscription trackers ask for so much access, what the trade-offs are, and how to track without that footprint.
How to track free trials so they don't convert silently
A short, practical playbook for keeping every free trial visible and cancelling at the right moment.
Monthly vs yearly billing — when each makes sense
How to decide whether to take the yearly discount or stay on the monthly plan — without locking yourself into things you'll regret.
Subscription currency conversion explained
Why a $14.99 subscription doesn't always cost the same in your local currency — and how to track it accurately.
Subscription renewal reminders — how to stop the silent charge
Renewal reminders are the cheapest defence against forgotten subscriptions. Here's how to set them up so you actually see them.
How to find subscriptions you've forgotten about
A 20-minute audit that surfaces the recurring charges you didn't realise you were still paying — without linking your bank to anything.
How much are people spending on AI subscriptions in 2026?
ChatGPT Plus, Claude Pro, Copilot, Cursor, Midjourney — AI subscriptions are the fastest-growing category. Here's how to track them without paying for overlap.
How to manage subscriptions in multiple currencies
If you pay for subs in EUR, USD, and GBP on the same card, your real monthly cost changes with every FX move. Here's how to keep it visible.