How to Better Track and End Automatic Sneaky Subscription Services

What better way to lose money than forget that you’re paying it? Many subscription models bank on two fundamental principles to squeeze extra payments from their customers. First, these companies hope that you’ll forget about that recurring credit card charge. Second, they make canceling a hassle, and hope that customers will give up instead of canceling their service.

Subscription services appeal to our love of convenience. Thousands of companies now offer a variety of subscription services. Companies such as Blue Apron, Hello Fresh, and Hungry Harvest deliver ready-to-make meals or produce to your doorstep for a recurring weekly or monthly charge, while other niche companies offer a variety of useful services. Have a dog? Bark Box will deliver treats and chew toys. Need to shave? Dollar Shave Club delivers shaving products straight to you at a discount. Pretty much anything you need can be delivered to your door.

Subscription-based companies hope you’ll love their product indefinitely…but that’s likely not the case. And when you’re ready to cancel, they hope that you’ll forget so they can squeeze a few more deliveries and earn those extra few dollars out of you. Here’s how to better track and end automatic subscription services.

Identify all Subscriptions Services Now

Before adding any more, sit down and identify all the subscription services you currently use. While most of us have entertainment subscription services (cable, shows, phone, music), you may currently enjoy others including some of the following:

  • Food: Blue Apron, Imperfect, MunchPak, MistoBox, Bon Appetit
  • Clothes: Stitch Fix, Kidbox, Trunk Club, Wantable
  • Pets: Kitnip Box, Bark Box, Rescue Box, Loot Pets, Pooch Perks
  • Personal Hygiene: Dollar Shave Club, Sudz Club, Smile Box
  • Creativity: Kiwi Crates, Darby Smart, Sketch Box, Creation Crate
  • Niche: Vella Box, Hippie Holiday, FabFitFun, BeautyArmy

Once you’ve identified them, quickly chart which services are weekly, biweekly, monthly, every three months, every six months, or yearly. Gather all the info, and then get ready to…

Read all the Fine Print

Before you agree to any subscription service, it’s imperative to read the small print. How often will your card be charged? When will it be charged? How do you cancel? When do you need to cancel to avoid an unwanted delivery? Know the rules before you sign up, or review the rules if you’re already signed up.

Immediately Make a Calendar Note

While knowing when the company will charge your card for their services for budget purposes, it’s more important to know when you need to cancel. So for example, if the company charges your card on the 15th of each month, but you need to cancel two weeks before this charge, you should make a note on your calendar that you’d need to cancel the service on the 1st of the month. You could also set a helpful reminder with Alexa or Siri. Forgetting this information would lead to an extra delivery or a late termination fee. Highlight this date so it pops and set it as a recurring notice. Review your calendar monthly to decide if you need to cancel any subscriptions.

Just Do It

When you decide to cancel, do it immediately. Don’t hem or haw. Be prepared to endure a maze of pressing buttons and waiting to talk to someone on the other end. Unfortunately, many services don’t allow customers to simply click and unsubscribe from their services; it’s part of their business model.


Trim exists as an AI assistant that works on your behalf to identify and cancel unwanted subscriptions and negotiate lower rates when possible on monthly services like cable. It was developed to help individuals stay on budget. Users must link accounts such as credit cards, so do your research to determine if Trim would be right for you. Reviews span the spectrum from great (saved the user money) to horrible (attempted to negotiate cable bill without user’s approval). The program is currently free to download, but will take a percentage of profit if it successfully lowers a bill.

On a final note: many companies offer discounts when you sign up if you subscribe on a three month, six month, or yearly basis. Watch for these subscriptions as the charges are easier to forget when they only happen twice or once a year. You may save on the monthly deliveries, but it’s easier to miss the cancelation period.

Introduction to Contract for Difference (CFD)

Many investors are looking for additional ways to trade and invest. One non-traditional form of trading are with Contract for Difference or CFD as they are most commonly called for short. CFDs are a way for European traders to profit from asset price movement without actually owning the underlying asset. They are basically computing only the price change and not the underlying value. They have become popular in recent years. There are sites for trading CFD that offer education and tools to begin your journey with CFD. Because CFD are a non-traditional form of investing, it is important to do your research and learn about their advantages and disadvantages.


There are many advantages to CFD. One being that there is global market access. Because many brokers offer products from many of the world’s major markets it allows for you to have access all day/every day. Many world markets also have certain rules against shorting, but with CFD they can be shorted because you do not actually own the underlying asset. Another advantage is that with CFD brokers you are often given the same order types as traditional brokers but often with no or little fees. One thing that can be to your advantage is that with CFDs you are offered a variety of trading opportunities. Brokers offer stock, index, treasury, currency, sector and commodity CFDs to offer variety and diversity in their financial vehicle investments.


While CFDs offer an attractive alternative to traditional markets, they also present potential pitfalls. One downside to CFDs is that traders pay the spread on entries and exits that take away potential for you to profit from small moves. The spread also decreases winning and increase losses as well. So, while traditional markets expose the trader to fees, regulations, commissions and higher capital requirements, CFDs trims traders’ profits through spread costs. A disadvantage to CFD trading is that the market is not highly regulated. This is a disadvantage to investors because they could find themselves in trouble if not monitoring their investments properly or get into a relationship with a unreliable broker. Brokers in this industry do not need to meet certain regulations enforced by the government but rather credibility is based on reputation and financial position. Because of this you need to do your homework and make sure you are working with a proper broker.

The bottom line is that CFDs offer a great alternative to traditional investment vehicles but it is important to do your due diligence prior to investment.

How Much We Saved on a 5 Year, 0% Interest Auto Loan

5 years ago, we bought a brand new Toyota Camry after our 2005 Corolla was totaled. The price of the car was $22,600, but with a 5 year, 0% interest rate, I estimated that we’d earn $4,777 by investing that money in the stock market, which brought the total price of the car down to $17,823.

Now that we’re 5 years later and I just made the final payment, I get to look back and see how accurate my estimate was!

Calculating How Much We Saved By Investing

The first payment was on January 27th, 2014, and the final payment was on December 27th, 2018. During that time, the S&P 500 (where I invested that $22,600) gained an average of 7.06% per year, so my estimate was nearly perfect, which is a happy coincidence.

According to the investment and regular withdrawal calculator (which assumes we invested the $22,600, then withdrew $376 each month to cover the payment), we’ve actually earned $4,825 compared to paying for the car in cash.

What I’m really excited about now is the $376 we won’t be paying to Toyota each month!

And we now have a fully paid off 2014 Toyota Camry and a fully paid off 2015 Hyundai Tucson, each with less than 40,000 miles on them, so we should be able to keep these cars for another several years!

We do have a few scrapes and scratches that we’ve acquired over the years that we’ll get fixed, that will likely cost around the same as one month’s payment. After that, the savings will get invested each month and continue to grow.

Taking the 0% Interest Was Worth It For Us, But It’s Not For Everyone

Since we were prepared to pay for the car in cash, we really were in the position to make this decision.

If you are thinking about buying a new car and are faced with a similar decision, but you AREN’T paying in cash, you can’t simply say to yourself that you’re saving money with 0% interest since that money isn’t being invested in your case! Yes, it’s cheaper than a 3% auto loan, but you’d still be paying the full cost of the car!

Our decision paid off, and hopefully we’ll have the car for another 5+ years, which gives us plenty of time for us to save up for the next time we’ll need to make a car buying decision.

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