Apologies if this is already a thing somewhere else! I searched but did not find any recent threads.
I just took stock of all of my various subscription services that I realized I've accumulated over my few years of adulting. I found out I'm paying almost $2K/year for all these little conveniences and necessities 🤯 (I edited to remove car insurance)
Now, I don't have acute regret for any of these on their own, but added up, that figure makes me want to do better! I would love to hear how y'all are keeping it dialed in and tightened up, so that I might do so myself.
Here's my monthly/yearly subscription round-up:
| Expense | Monthly | Annual |
| AAA | $6 | $75 |
| New York Times | $5 | $60 |
| Washington Post | $3 | $40 |
| Razors delivered | $9 | $108 |
| Prescriptions delivered | $22 | $264 |
| Skillshare | $8 | $99 |
| Curiosity Stream | $3 | $36 |
| Netflix | $15 | $180 |
| HBO | $15 | $180 |
| Spotify | $10 | $120 |
| Credit card #1 fee (Venture) | $8 | $95 |
| Credit card #2 fee (CSR) | $41 | $495 |
| White glove medical membership | $17 | $199 |
| Total... | $162 | $1,947 |
Dang! Obviously some of these are heavier hitters than others. I think I might kick CSR and Venture both next year in favor of a simpler, fee-free product. Even with the $300 from Chase, the fee is going up next year and I think I'm too frugal and infrequent of a traveler already to really maximize the other value. I think keeping track of so many different cards and optimizing their rewards actually just makes me spend more than I would without them. I say that every year, though, so... we'll see.
Skillshare was an accident, but not the worst thing to have access to!
White glove medicine was just because I hate finding new doctors and my first one left... will probably kick next year if I move somewhere smaller and easier to get around.
The news subs were cheap since it's my first year with them. If I can't keep the prices down by calling in, I'll probably drop those before they shoot up in cost.
I feel like my car insurance is too expensive. Not sure if I should have counted it here since it's a legal necessity, but $800/year basic coverage for a car that's worth less than $7K feels steep. It's the cheapest I could find though. I guess with my level of coverage, I'm really just paying to cover anyone
else's car that I might hit.
Everything else will probably stay. I share the entertainment with family as kind of a gift. Still, my annual bill should drop by about $1K. Not too shabby!
PS here's the code for my table - please share your own + your strategy to dial it in!
[table]
[tr]
[td][b]Expense[/b][/td]
[td][b]Monthly [/b][/td]
[td][b]Annual[/b][/td]
[/tr]
[tr]
[td]AAA[/td]
[td]$6[/td]
[td]$75[/td]
[/tr]
[tr]
[td]Razors delivered[/td]
[td]$9[/td]
[td]$108[/td]
[/tr]
[tr]
[td]Prescriptions delivered[/td]
[td]$22[/td]
[td]$264[/td]
[/tr]
[tr]
[td]Skillshare[/td]
[td]$8[/td]
[td]$99[/td]
[/tr]
[tr]
[td]Curiosity Stream[/td]
[td]$3[/td]
[td]$36[/td]
[/tr]
[tr]
[td]Netflix[/td]
[td]$15[/td]
[td]$180[/td]
[/tr]
[tr]
[td]HBO[/td]
[td]$15[/td]
[td]$180[/td]
[/tr]
[tr]
[td]Spotify[/td]
[td]$10[/td]
[td]$120[/td]
[/tr]
[tr]
[td]Credit card #1 fee (Venture)[/td]
[td]$8[/td]
[td]$95[/td]
[/tr]
[tr]
[td]Credit card #2 fee (CSR)[/td]
[td]$41[/td]
[td]$495[/td]
[/tr]
[tr]
[td]White glove medical membership [/td]
[td]$17[/td]
[td]$199[/td]
[/tr]
[tr]
[td]Car insurance (2011 Civic)[/td]
[td]$67[/td]
[td]$800 (roughly)[/td]
[/tr]
[tr]
[td][b]Total...[/b][/td]
[td][b]$233[/b][/td]
[td][b]$2,747[/b][/td]
[/tr]
[/table]
