Lawyer Tells Seniors: You're Still Paying - Cancel These NOW!

How many subscriptions are you paying for right now?

Most people can't name them all. Netflix? Yes. Hulu? Maybe. But there are others. Subscriptions you forgot about. Free trials that turned into paid subscriptions. Services you don't use anymore.

The average person pays for 12 subscriptions = $400-$500/month = $6,000/year wasted.

💸 THE 12 MOST COMMON FORGOTTEN SUBSCRIPTIONS:

1. Streaming services (Netflix, Hulu, Disney+, HBO) - $30-60/month wasted
2. Gym memberships (joined January, never went) - $30-100/month
3. Magazine subscriptions (auto-renewed for years) - $50-200/year
4. Software/apps (free trial → paid) - $20-50/month
5. Cloud storage (paying for more than you use) - $5-20/month
6. Premium internet (don't need that speed) - $20-40/month wasted
7. Security software (computer has built-in protection) - $50-150/year
8. Meal kit services (HelloFresh, Blue Apron) - $200-400/month
9. Audiobook services (Audible unused credits) - $15-30/month
10. Gaming services (PlayStation+, Xbox) - $10-20/month
11. VPN services (forgot you have it) - $10-15/month
12. Identity protection (multiple overlapping) - $20-60/month

Total waste: $200-300/month if you have half of these = $2,400-3,600/year

🔍 HOW TO FIND ALL YOUR SUBSCRIPTIONS:

✓ Check bank/credit card statements (last 3 months, line by line)
✓ Search email for "subscription," "auto-renew," "trial ending"
✓ Use app: Truebill or Rocket Money (auto-detects subscriptions)
✓ Check phone: Settings → Subscriptions (iPhone) / Google Play → Subscriptions (Android)

🆕 NEW 2026 NYC LAW MAKES CANCELLATION EASIER:

✓ Signed up online → Must cancel online (no phone calls required)
✓ Cancellation = same # of steps as sign-up
✓ Must clearly disclose auto-renewal
✓ Must send reminder 7 days before charging

❌ HOW TO CANCEL:

Streaming: Account Settings → Cancel
Gym: Send certified letter (keep copy)
Apps: Phone Settings → Subscriptions → Cancel
Software: Company website → Account → Cancel subscription
Magazine: Call customer service → Get confirmation number

⚠️ CRITICAL TIPS:

Cancel BEFORE renewal date (avoid extra month charge)
Screenshot cancellation confirmation
Verify charges stop (check statements for 2 months)
Watch for annual subscriptions (check 12 months ago)
If still charging after cancel = dispute with bank

💰 REAL EXAMPLE:

Robert (70) found 12 subscriptions = $2,514/year
Cancelled 8 of them
Kept only 4 he actually uses
New total: $776/year
SAVINGS: $1,738/year = $17,380 over 10 years

📌 DO THIS TODAY:

1. Review statements (find all subscriptions)
2. Ask: Do I use this? Is it redundant? Is it necessary?
3. Cancel what you don't need
4. Set quarterly reminder (review every 3 months)

This video shows you exactly which subscriptions to look for and how to cancel them step-by-step.

DROP YOUR NUMBER in comments: How many subscriptions did you find?

SHARE with everyone! Subscription traps affect all ages.

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⚖️ DISCLAIMER: Educational only. Not financial advice. Cancellation policies vary by company. Information current Jan 2026. NYC laws apply to NYC businesses only.