Bills & subscriptions
Finding every recurring charge, staying ahead of due dates, and knowing how much of the month is already spoken for
Finding & tracking recurring charges
- How to budget for bills that vary every month, like utilities
- How to make a bill calendar you'll actually look at
- How to spot a duplicate or wrong charge, and get it reversed
- How to tell a subscription from a one-time charge on your statement
- How much of the month is already spoken for, and what committed versus discretionary spending means
- How to find every subscription you're paying for
Due dates & autopay
- Should I pay my credit card statement balance or current balance?
- How do I switch bank accounts without missing a bill?
- How to line up bill due dates with your paychecks
- What happens when you pay a bill late, from grace periods to late fees
- Which bills to put on autopay, and which to pay by hand
- How to stop missing due dates without thirty calendar reminders
Cancelling & negotiating
- Annual versus monthly billing, and when the discount is worth it
- How to cancel a subscription that makes itself hard to cancel
- How to negotiate a lower bill for internet, phone, and insurance
- What happens to your subscriptions when you get a new card number
- Free trials that became subscriptions, and how to catch them
- What to do when a subscription price goes up quietly