Habits
A monthly subscription sweep
Recurring charges are the easiest costs to lose track of. A fifteen-minute sweep once a month keeps them in view.
Pull the list
Look through last month's bank and card statements. Mark every charge connected to side work: apps, tools, plans, storage, listings.
Ask three questions of each
- Did I use it this month?
- Did it help me earn more than it cost?
- Is there a free or cheaper option that would do?
Cancel, pause or keep
Cancel anything with two "no" answers. Many services let you pause instead of cancel. Note the renewal date of anything billed yearly.
Write the total down
Add the month's recurring costs to your records. Watching the total over a few months shows whether it's creeping up.
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