Find recurring charges, decide what is worth keeping and calculate the annual cost.
Quick win: Don't try to optimise everything at once. Pick the single action on this page most likely to improve your monthly cash flow and do that first.
Find every subscription
Search bank and card statements for recurring charges, including annual renewals that are easy to forget.
Convert everything to annual cost
A £9.99 monthly service is about £120 a year. Annualising makes competing subscriptions easier to compare.
Use a keep / pause / cancel test
Keep services you use and value. Pause those you may want seasonally. Cancel those you would not buy again today.
Set renewal reminders
For annual services, set a calendar reminder several weeks before renewal so you can compare alternatives without rushing.
What to do next
Use one of our free tools to put numbers around the decision, then revisit the result after a month. Money-saving changes work best when they are measurable and repeatable.
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