(Cosmopolitan) It may have started innocently with, say, $10 for a streaming service, but once you broke the seal, it probably didn't take long to add that K-Beauty Box and a meal-delivery service to your list. Suddenly, you're shelling out hundreds per year on things you barely use. So how do you determine what stays or goes? Unfortunately, you cannot sign up for a monthly service that cancels things for you. Try this:

If you get major perk then keep shelling out
Let's say you signed up for a fancy co-working space that's right at the top of your budget. As yourself: Does it help me network? Will it lead me to make additional money that covers the cost of being a member? Will I actually do the work to make those connections happen? If so, the fee is worth it, says certified financial planner Bobbi Rebell, host of the Financial Grownup podcast. "Then it becomes an investment," she says.

Keep shelling out if you're straight-up obsessed
Has your monthly cheese subscription turned you into a next level hostess? Are your TV-watch party snacks spreads now surpassed only by your unbelievably witty running commentary? If your answer is yes, we have two thoughts: Please invite us over and keep it.

Reevaluate if it's more than $50 a month
"This is a significant chunk of change for most people in their 20s and 30s," says Erin Lowry, author of Broke Millennial Takes on Investing. Make a list of any sub s that cost more than $50, and check which dates they auto-renew. Set a notification a few days before each moth's payment is due for the first three months. Then you can decide if it's still working for you.

Reevaluate if you're just hoping you'll use it enough
If you spend $100 a month on a gym membership, that could be a steal or a rip-off. Divide the cost by how frequently you hit the treadmill over the course of four-weeks. If you went 10 times, each session set you back $10. But if you went twice, you basically paid $50 per workout. Be real with yourself before you sign up.

Slash it if you haven't used it in two months
At this point, you're basically throwing your money in the garbage. That goes for the expensive ones and the cheap ones. Especially the cheap ones. It may seem like no big deal to spend $4 a month on a streaming service you never watch, but you're throwing $48 into the trash annually. You could have bought your friends a round of drinks.

Slash it if you're skimming from your rent money
If you overdraw because your subscriptions are auto-deducted, doesn't the added stress undo the value of that $5 per month meditation app? Take a deep breath and hit unsubscribe.


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