# How to Audit Your Subscriptions and Save Hundreds

Hidden subscriptions can drain your wallet. Learn how to use Disha One's transaction history to identify and cancel unused subscriptions.

## The Subscription Creep Problem

The average American spends $273 per month on subscriptions—and underestimates it by 2.5x. Streaming services, apps, memberships, and software quietly drain your bank account.

### Finding Your Subscriptions

Disha One makes subscription hunting easy:

1. Go to the **Merchants** page  
2. Look for recurring charges (same amount, monthly)  
3. Common subscription indicators:
   - Streaming: Netflix, Spotify, Disney+
   - Software: Adobe, Microsoft, Dropbox
   - Memberships: Gyms, clubs, Costco
   - Apps: Dating apps, productivity tools

### The Audit Process

#### Step 1: List Everything

Create a list of every subscription you find. Include:
   - Service name
   - Monthly cost
   - Last time you used it

#### Step 2: Categorize by Value

Sort subscriptions into:
   - **Essential**: Use daily/weekly, provides clear value
   - **Occasional**: Use sometimes, could live without
   - **Forgotten**: Haven't used in months

#### Step 3: Take Action
   - **Keep**: essential subscriptions
   - **Evaluate**: occasional ones—can you downgrade?
   - **Cancel**: forgotten subscriptions immediately

### Common Subscription Traps

- **Free trials**: Many convert to paid automatically. Check for "trial" charges.
- **Annual billing**: Easy to forget you signed up. Look for yearly charges.
- **Family plans**: Are all members actually using the service?
- **Duplicate services**: Multiple streaming/music/news services?

### Estimated Savings

Most people save $50-150/month after a thorough audit. Over a year, that's $600-1,800 back in your pocket.

### Make It a Habit

Schedule a quarterly subscription audit. Set a calendar reminder and spend 15 minutes reviewing your merchants list.

Your future self will thank you.

### Ready to take control of your finances?

Start tracking your spending automatically with Disha One.