Once you know where your money is going, it’s time to decide if it worth it. This isn’t about saying no to everything, it’s just about assessing if you’re really getting your money’s worth.
Wellness apps and fitness memberships: If you’re actually using your membership to the local gym or Pilates studio regularly, or your meditation app is keeping you healthy and happy, then great! But, if you’re paying for five other similar services that you’ve never even finished setting up your profile for, it’s time to let it go or switch to the free versions where possible.
TV, music and movies: We’ve quickly gone from free-to-air to an abundance of streaming services – all are useful on their own, but all at once might be a bit too much. Pick your favourites and relish in the joy of less choice stress. Or, consider pooling in with your friends or family for a group subscription – often bring down your individual cost.
Food: Recent years have seen subscription meal services taking over our nightly cooking routines, and they can make home cooking fun and convenient. Do your homework – check whether a supermarket and grocery store may still provide you better value. If you can’t give them up completely, consider staggering your food box orders to fortnightly instead of weekly and heading to your local grocer for the rest. Keep an eye out for special offers or referral bonuses if you want to stay on the subscription schedule.
Everything else: You may have heard the saying ‘if you haven’t used it in six months, you don’t need it’. When it comes to games, photo editing software apps, magazines, cloud storage and those browser plugins that you never use, less is more – less it brings you real value.