Trackers & Tools

Subscriptions don’t stop when someone dies. They bill until a card closes or someone cancels. Here’s what each company asks for, and what it costs.

Forgot to cancel? That isn’t a billing error. Which subscription charges a card dispute can reverse, which it can’t, and the deadlines on each.

A free trial converts to $13–$16 a month the moment it ends. Here’s the arithmetic of a missed cancellation and the setup that makes it impossible.

APPLE.COM/BILL, GOOGLE*, AMZN: how to read the statement lines that hide subscriptions, which ones aren’t charges at all, and why 12 months beats 3.

Paid trackers cost about $100 a year. Here’s the free system: the lists you already have, a 5-column spreadsheet and two alerts, with the maths.

Family plans cut the per-person cost by half or more — but only some allow it, and two of them need everyone at the same address.

Two legal clocks decide whether you get your money back: three business days, and sixty. Here’s the order to work in, and what it costs to wait.

Privacy.com’s free plan gives 12 virtual cards a month. The arithmetic on when paying $60 a year is worth it, and what a virtual card can’t fix.

Most subscription trackers are built for one person. Here’s what they cost a two-adult household per year, and when the free option is enough.

US households report $69 a month on streaming video alone — $828 a year. Here’s what a normal-looking subscription stack actually costs at list price.

One tracker costs up to $180 a year, the other $2.99 once. The honest comparison of Rocket Money and Bobby, and when neither is worth paying for.

Specialty coffee subscriptions run $14.40 to $21 a 12 oz bag — $288 to $420 a year for one mug a day. The per-cup maths, and the cadence trap.