Have you ever looked at your bank statement and wondered where all your money is going? You’re not alone. One of the easiest ways money quietly disappears each month is through forgotten or unused subscriptions. From streaming services to apps you downloaded once and never used again, these small charges can add up quickly.
Doing a “subscription audit” every few months is a smart move. Take a few minutes to go through your recent bank or credit card statements. Highlight anything that’s charged monthly, especially the ones you don’t remember signing up for. You might be surprised at how many subscriptions you’re still paying for without realizing it. Some folks have found they’re spending the equivalent of one fancy coffee a day—hence the name of this great resource, https://latteperday.com/—on things they don’t even use.
Start by listing all your subscriptions, from video streaming and music services to cloud storage, fitness apps, and news websites. Ask yourself: Do I really use this? Is it adding value to my everyday life? If not, cancel it. It might feel like just a few dollars here and there, but added up over a year, it can turn into hundreds of dollars.
Once you trim the fat, don’t let that extra money just sit in your checking account where it might get spent without a second thought. Reinvest it—whatever that looks like for you. For example, put the saved amount into a savings account for something you care about, like a vacation or emergency fund. Or you could consider putting it toward a long-term goal, like investing a little in your retirement account or chipping away at debt.
Doing this small routine a few times a year can free up cash and give you some peace of mind. You don’t need fancy tools—just a cup of coffee, 20 minutes, and your recent bank statements. Keep things simple. The idea isn’t to cut all pleasures from your life, but to be mindful of where your money goes and make it work better for you.
Your budget doesn’t need to feel like a diet—it can be more like rebalancing your plate. And trust us: future you will be grateful.
Have you ever looked at your bank statement and wondered where all your money is going? You’re not alone. One of the easiest ways money quietly disappears each month is through forgotten or unused subscriptions. From streaming services to apps you downloaded once and never used again, these small charges can add up quickly.
Doing a “subscription audit” every few months is a smart move. Take a few minutes to go through your recent bank or credit card statements. Highlight anything that’s charged monthly, especially the ones you don’t remember signing up for. You might be surprised at how many subscriptions you’re still paying for without realizing it. Some folks have found they’re spending the equivalent of one fancy coffee a day—hence the name of this great resource, https://latteperday.com/—on things they don’t even use.
Start by listing all your subscriptions, from video streaming and music services to cloud storage, fitness apps, and news websites. Ask yourself: Do I really use this? Is it adding value to my everyday life? If not, cancel it. It might feel like just a few dollars here and there, but added up over a year, it can turn into hundreds of dollars.
Once you trim the fat, don’t let that extra money just sit in your checking account where it might get spent without a second thought. Reinvest it—whatever that looks like for you. For example, put the saved amount into a savings account for something you care about, like a vacation or emergency fund. Or you could consider putting it toward a long-term goal, like investing a little in your retirement account or chipping away at debt.
Doing this small routine a few times a year can free up cash and give you some peace of mind. You don’t need fancy tools—just a cup of coffee, 20 minutes, and your recent bank statements. Keep things simple. The idea isn’t to cut all pleasures from your life, but to be mindful of where your money goes and make it work better for you.
Your budget doesn’t need to feel like a diet—it can be more like rebalancing your plate. And trust us: future you will be grateful.