Review Monthly Subscriptions

Many of us sign up for a free trial service in which you are required to give a credit card number and then forget about it. This can add up to $$$ if you don't check your credit card statements (which for the record is always wise to do).

Take a look at what you are paying for monthly. This could be streaming services such as Netflix or Hulu, magazine subscriptions (I always pay by check for a reduced subscription fee rather than risk being billed for an additional year), phone apps that you no longer use and may have started off as free.

Use your calendar to make a note of when to cancel subscriptions that start off as free. Usually if you cancel them you can still use them up to the end of the free period. Set up a reminder on your phone or there's the old timeless way of using the calendar on your fridge.

Write a list of everything you are being charged for and see if you can cancel some of them. There may be many you no longer use. Note: you will still be charged up until the end of that billing period.

Also many apps use up your phone data which in turn can cost you more. Review apps and remove those you no longer use.