How to Do a Subscription Clean-Up to Reclaim Your Coins
If your bank account has ever surprised you with a random $12.99 charge, this post is for you. Between streaming platforms, random apps, and that subscription you swore you canceled, your coins might be leaking every month. But the good news? You can stop the drip.
Here’s how to do a quick subscription audit that puts money back in your pocket.
The Subscription Trap: Why It's So Easy to Overspend
According to C+R Research’s 2024 Subscription Study, the average person underestimates how much they spend on subscriptions by over 200%.
Why? Because auto-renewals are sneaky. They count on you forgetting. And they often win.
…Let’s fix that.
Step 1: Check All the Hiding Spots
Subscriptions often play hide-and-seek. Go full detective mode and check:
✅ Apple ID / Google Play
✅ PayPal
✅ Credit card and bank statements
✅ Your email inbox (search for “subscription,” “renewal,” “bill,” or “invoice”)
Step 2: Ask the Tough Questions
Once you’ve found them, it’s time to get honest. Ask:
Am I still using this?
Is this a need or just ✨vibes✨?
Is there a free version that would work?
Am I double-paying for the same thing?
Keep it simple: If you forgot it existed, cancel it. Immediately.
Step 3: Use the IRIE Income Budget Tracker
Still not sure where your money’s going? My Irie Income: Annual Budget Tracker helps you do the math.
It helps you categorize your spending so you can spot any “Wait... I still pay for that?” moments without digging through every single transaction.
Step 4: Redirect That Money Intentionally
Unsubscribing isn’t about depriving yourself. It’s about aligning your money with what actually matters to you.
Reallocate that money to:
Your travel fund (or Liberty Leave™ fund)
Emergency savings
Investment accounts
Step 5: Set a Reminder to Audit Every 3 Months
Make it a habit, not a one-time detox. Every 3 months:
Cancel what no longer serves you
Swap to cheaper plans if needed
Revisit your budget and goals
Final Thoughts
Your subscriptions shouldn’t be silently draining your account in the background. Take control, clean house, and put your money where your joy is.
Got a wild or ridiculous subscription you forgot about (and are you brave enough to share how much it cost you?!)? Drop it in the comments below!
