Save on Subscription Costs Before the Holidays
Boost Your Holiday Savings with Simple Changes
With the holidays just around the corner, budgets can feel tighter than ever. Between gifts, travel, and celebrations, every dollar counts. One of the easiest ways to free up extra money is by reviewing your subscription services.
Monthly fees for streaming platforms, apps, and memberships might not seem like much on their own — but together, they can quietly eat away at your finances. A quick review now can help you head into the holiday season with more room in your budget.
Needs vs. Nice-to-Haves
When you look at your subscriptions, ask yourself: Is this a need or just a nice-to-have?
- Needs – Subscriptions that support your financial health or overall wellness (like a budgeting app, meditation program, or gym membership)
- Nice-to-Haves – Entertainment or convenience services (like multiple streaming platforms or monthly boxes). They can be fun, but not essential—especially when you’re trying to save for the holidays.
The Autopay Catch
Autopay makes life easier, but it also makes it easy to forget what you’re paying for. Many people end up covering the cost of services they no longer use simply because the payment runs automatically.
Checking your account regularly is the best way to catch charges you may not have noticed.
Stay on Top of Subscriptions
A little attention goes a long way. Here’s how to keep subscriptions from sneaking up on your budget:
- Use Tools – Budgeting apps or digital banking features can help track recurring payments and alert you to forgotten charges.
- Make a List – Write down all your subscriptions and their monthly costs.
- Review Monthly – Ask yourself if each subscription is still worth it.
Quick Win for Your Wallet
Spend just 15 minutes reviewing your subscriptions this week. Canceling even one or two could free up money for holiday spending — or help you reach your savings goals faster.
At COPFCU, we’re here to support our members’ financial wellness. Smarter money habits now mean less stress and more joy this holiday season.
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