“How to Keep Your Subscriptions Without Breaking the Bank”

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Manage Your Subscriptions and Save Money

From food-delivery apps to streaming music services, subscriptions can simplify life but also strain your budget if not managed properly. You don’t have to cancel your favorite accounts; instead, find ways to reduce your total spend. Here are eight simple strategies to manage your subscriptions effectively.

1. Keep a List of All Your Subscriptions

Tracking your monthly subscriptions helps you manage your accounts better. Note down the cost and due date for each subscription to maintain your budget and avoid missed payments. You can keep track by:

• Maintaining a list on your phone
• Adding subscriptions to your monthly budget and reviewing it regularly
• Setting calendar alerts for payment and renewal dates

Apps like Bobby and Hiatus can consolidate all your subscriptions in one place.

2. Charge Subscriptions to the Same Card

Using the same card for all your subscriptions simplifies your budget and makes it easier to review recurring charges. A rewards credit card can offer additional perks like cash back, points, or travel rewards. To maximize benefits, enroll in autopay and pay off your balance each billing cycle to avoid high interest fees.

3. Periodically Review Your Subscriptions

Subscriptions that were useful a few months ago may no longer be relevant. Regularly reviewing your subscriptions can highlight unnecessary spending. Ask yourself:

• Do you use the subscription?
• Does it add value to your life?
• Has the price increased, and is it still worth it?

Conduct a subscription audit monthly or during your budget review.

4. Look for Discounts

Check the websites of new subscription providers for discounts and promotional offers. A quick Google search for the service’s name plus “discounts” or “coupons” can reveal third-party offers. Contact your current providers to inquire about discounts for students, seniors, military members, veterans, and more.

5. Consider Bundling Your Accounts

Bundling subscriptions can save money. For example, Hulu offers a package with Disney+ and ESPN+ at a lower cost than individual subscriptions. Check if your current providers have partnerships or bundle offers, including discounts for bundling services like internet and cable.

6. Take Advantage of Free Trials

Before committing to a new subscription, use a free trial to test it out. This helps you decide if it’s worth the regular fee. Set a reminder to cancel the trial before it expires to avoid automatic charges.

7. Negotiate Lower Rates

Contact your subscription providers to negotiate lower rates. Some may reduce prices to retain your business. Experian BillFixer™ can negotiate better rates on your behalf, helping you save without the hassle.

8. Shop Around for Better Prices

Explore different providers for better deals. For instance, compare streaming music platforms like Apple Music, Spotify, and Amazon Music to find the best value. This can help you save money and get the most out of your subscriptions.

The Bottom Line

Managing your subscriptions intentionally can lead to significant savings. Start by understanding what you’re paying for and find ways to reduce costs. In some cases, you may decide to cancel a subscription altogether.

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