Review every recurring charge on your bank and credit card statements. Cancel anything you don't actively use. Most households are paying for multiple forgotten or underused subscriptions every month.
Everyone. Do this once per quarter. Average recovery: $50–$200/month.
Pull 3 months of bank and credit card statements.
Highlight every recurring charge regardless of size.
For each charge: have you actively used it in the past 30 days? If no — cancel it today.
Redirect cancelled subscription amounts to savings or debt automatically.
Repeat this audit every 90 days.