Budgeting
How Many Subscriptions Are You Really Signed Up To?
Subscriptions are everywhere, from streaming and music to meal kits, apps and monthly boxes. They can quietly add up: here is how to work out which ones are actually earning their place in your life.
· By Yasmine Turner · 2 min read

Subscriptions are everywhere now. From streaming your favourite shows and music to meal kits, software, books and monthly boxes, recurring payments have become part of everyday life. But while they seem harmless one by one, the total can quietly add up.
Let’s unpack the subscription world and help you understand what you’re actually getting out of the ones you pay for.
What the Numbers Say
The Subscriptions Hiding in Plain Sight
Streaming and music
Netflix, Spotify, YouTube Premium, Disney+, gaming passes. Ask yourself:
- When was the last time I opened this?
- Do I watch or listen weekly, or just during one good month a year?
- Am I paying for features I do not use, like downloads or multiple screens?
Books, audiobooks, and learning apps
These sound productive, which makes them easy to keep.
- Have I finished anything in the last three months?
- Are credits piling up unused?
- Would I still subscribe if it was charged weekly instead of monthly?
Food and meal subscriptions
Meal kits, protein boxes, coffee drops.
- Do I actually cook the meals before they expire?
- Am I skipping deliveries but still paying?
- Does this make life easier, or does it add pressure?
Fitness, wellness, and lifestyle apps
Gym apps, meditation, habit trackers.
- Do I open it without reminding myself?
- Has it become part of my routine, or just a good idea?
- Would a free version change my behaviour?
Boxes and deliveries
Beauty, grooming, pet, or random monthly boxes.
- Do I use most of what arrives?
- Is this convenience, or just clutter showing up monthly?
A More Real Way to Be Savvy
Being savvy is not about being strict. It is about being realistic.
Instead of asking “Is this worth it?” try:
- Would I notice if this disappeared tomorrow?
- Does this save me time, or just promise to?
- Am I paying for my current habits, or my ideal self?
Subscriptions should support your life as it is now, not the version of you who might exist one day.
Final Thought
Subscriptions are designed to stay invisible. The more visible you make them, the more control you have. Awareness is not about cutting back. It is about choosing what earns its place in your life, month after month.
Yasmine Turner
Founder, My Financial Future
Yasmine Turner is the founder of My Financial Future and a financial adviser with a Graduate Diploma in Financial Planning. She writes about money skills for young Australians and delivers FinReady workshops in schools, universities and community organisations.


