Save Money
Recurring expenses are easy to set up once and never revisit, which is exactly why they’re worth a periodic review. Here are common categories worth checking, organized so you can work through them a few at a time.
Subscriptions and memberships
- Streaming video services
- Music streaming
- Gym or fitness app memberships
- Meal kit or subscription box services
- Cloud storage plans
- News or magazine subscriptions
- App subscriptions you signed up for once and forgot
Bills and utilities
- Cell phone plan
- Internet service
- Cable or satellite TV
- Home security monitoring
- Water and sewer, where usage-based savings are possible
- Electricity, especially with a time-of-use rate plan
Insurance
- Auto insurance rates and bundling discounts
- Homeowners or renters insurance
- Life insurance policies you may be over-covered on
- Extended warranties on appliances or electronics
Debt and financial products
- Credit card interest rates and annual fees
- Personal loan refinancing options
- Bank account monthly maintenance fees
- ATM fees from using out-of-network machines
Everyday costs
- Parking passes or commuting costs
- Dry cleaning versus at-home alternatives
- Pet subscriptions and recurring pet costs
- Childcare add-ons and optional programs
Practical tip: Set a recurring reminder every six months to review this list. Providers change their pricing and promotions regularly, and a rate that was competitive a year ago often isn’t anymore.
This article is for general educational purposes and isn’t personalized financial advice. Specific savings will depend on your provider, location, and circumstances.