#finance tips

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Unwanted subscriptions don’t stop themselves. If you don’t take action, they will keep charging you silently, monthly, and indefinitely.

Follow this guide exactly to stop them.

Step 1: Audit Your Bank and Card Statements

Do this first. Do not skip it.

Open your last 3–6 months of:

Bank statements

Credit card statements

Look specifically for:

Monthly recurring charges

Small amounts you’ve ignored

Merchant names you don’t clearly recognize

If you can’t immediately explain what the charge is and why it exists, treat it as an unwanted subscription.

Do not assume:

“It’s probably important”

“I’ll check later”

“It’s only a small amount”

Small charges are designed to be ignored.

Step 2: Identify Where the Subscription Was Started

Every subscription has a source. Find it.

Check the following places systematically:

App Store (iOS) → Subscriptions

Google Play (Android) → Subscriptions

Email inbox → Search “receipt”, “invoice”, or merchant name

PayPal → Automatic payments

Website account dashboards

Do not guess. Confirm.

If you cannot find the source, document the merchant name exactly as shown on your statement.

Step 3: Cancel Immediately (Do Not Wait)

Cancel as soon as you locate the subscription.

Important rule: Canceling early is safer than canceling late.

Most subscriptions allow you to:

Cancel immediately

Keep access until the billing period ends

Waiting until the “last day” increases the chance you forget and get charged.

If the platform asks:

“Are you sure?”

“Would you like a discount?”

“Pause instead of cancel?”

Ignore all of it. Cancel.

Step 4: Save Proof of Cancellation

Never assume cancellation worked.

After canceling:

Take screenshots of confirmation screens

Save confirmation emails

Note the cancellation date

If you are charged later, this proof is critical.

No proof = no leverage.

Step 5: Watch the Next Billing Cycle

After cancellation, monitor your account during the next billing period.

If the charge appears again:

Contact the company immediately

Reference your cancellation proof

Request a refund

If the company does not respond or refuses:

Contact your bank or card provider

Block future payments from the merchant

Escalate if necessary

Unwanted charges are not your responsibility to tolerate.

Step 6: Understand Why This Keeps Happening

Unwanted subscriptions are not accidental.

They rely on:

Auto-renewal by default

User forgetfulness

Vague billing names

Friction-heavy cancellation flows

This is a system problem, not a discipline problem.

Relying on memory alone will fail over time.

Step 7: Stop Future Unwanted Subscriptions Proactively

If you want to stop unwanted subscriptions permanently, you must change how you manage them.

Do the following:

Track every subscription in one place

Get alerts before renewals

Review recurring charges regularly

Cancel unused services immediately

Manual tracking works only if you have perfect attention. Most people don’t.

Step 8: Use a Subscription Management App

Subscription management apps exist for one reason: manual subscription control does not scale.

A subscription management app helps you:

Detect forgotten subscriptions

Identify recurring charges automatically

Get renewal alerts before you’re charged

Take action on unwanted payments

Chargeback is a subscription management app designed to help users identify unwanted subscriptions and stop recurring charges before money disappears silently.

Automation is not about convenience. It’s about prevention.

Step 9: Set One Rule Going Forward

Adopt this rule permanently:

If you start a free trial, plan the cancellation immediately.

That means:

Cancel on the same day you sign up, or

Set a reminder 2–3 days before renewal

Never trust yourself to “remember later.”

Final Instruction

Unwanted subscriptions survive on inaction.

If you do nothing:

They keep charging

You keep losing money

Nothing changes

If you act:

You regain control

You stop recurring leaks

You protect future income

We will never do this to you, babies. Here's our sound and compassionate advice:

Ask the Bitches: How Can I Make Myself Financially Secure Before Age 30? 

Trying to get my finances organized, one page at a time 🧡 I made this printable + fillable financial planner bundle to make budgeting feel calmer and more structured — monthly budget, expenses, savings, debt, and annual overview all in one place.

TIPS FOR GETTING BANK FEES REMOVED:

schedule the payment, THEN call your cc company. (whether you forgot or just needed a few more days to get the payment together, the process will go smoother if you have at least the minimum scheduled.)

let them know you've scheduled your payment, and ask if they could possibly waive the late fee.

the first rep you talk to is likely going to say no. kindly ask to speak to their manager. (they might push back with a "jsyk, the manager can't do anything either/it's company policy, no one here can waive it!" that's ok. you're grateful for their help, but you still want to speak to a manager, just to check!

9/10 times the manager will waive it for you.

if you usually pay in full and any interest has accrued, you can also ask for this to be waived. sometimes it helps to have a good payment history, but even if you've been late or done this before, don't be afraid to try! where I worked, payment history didn't matter, we just had a set number of fees we could waive upon request a year (the number was 5).

tldr; frontline reps are literally trained to lie and discourage people from asking for fees to be waived - even though the managers can waive them! Easily!

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It's true, there's nothing “soft” about being broke! 😩 and nothing luxurious about faking the aesthetic!

📌Please don't confuse our tough love with discouragement! We want you to shoot for the stars 🌟 and get the life you desire but we would be terrible accountability partners of we didn't give you the real! 🫶🏽

With the right mindset and proper tools it will come in abundance! 💸😍💃🏿🤑

🚨We are just reminding you to not get lost in the aesthetics to the point where it drains you and your bank account!