Streaming, music, cloud storage, a fitness app, a productivity tool you signed up for once — each is ₴80, ₴150, ₴250 a month, small enough to ignore individually. But five or six of them quietly total ₴1,200 a month, which is ₴14,400 a year, much of it for things you barely use. A subscription audit is the highest return-on-effort exercise in personal finance: a single evening that can save you real money every month afterwards.
Find them all in one place
The first step is just seeing the full list. Subscriptions hide because they are spread across months and cards. Look at your Subscriptions category and your recurring charges together, and write down every one with its amount and how often it bills. Do not skip the annual ones — a ₴1,500 yearly charge is ₴125 a month in disguise.
Sort each into three piles
- Use it, keep it. The ones that earn their place. No guilt — this is what the money is for.
- Forgot it existed. The free trial that started charging, the app you opened twice. Cancel today; this is the easy money.
- On the fence. Used sometimes. Try pausing it for a month — if you do not miss it, the decision makes itself.
Make it a habit, not a one-off
New subscriptions appear all the time, so a once-a-year audit beats a once-ever one. A quick review every few months keeps the list honest. The goal is not to live without subscriptions — it is to make sure every recurring charge is one you would sign up for again today.
How Purple Wallet helps
When your bank is connected, recurring charges land automatically, and the Subscriptions category gathers them in one place. Finn keeps an eye on your recurring payments and may surface a subscription audit — flagging how much your subscriptions add up to, so the number you never decided on becomes a number you can act on.