Subscription Audit: Jan 1 – Mar 31, 2025
Period covered: Jan 1 – Mar 31, 2025 (USD) Recurring items found: 12 Total monthly recurring spend: $302.86 Total yearly spend (at current rates): $3,634.32
Your goal: If you cancel the 3 items marked Cancel? (Midtown Yoga, Peacock and Dropbox), you'd save about $108.98/month ($1,307.76/year). That's more than your $60/month goal. If you want to keep the yoga studio, see the other options in "Getting to $60/month" below.
Note: Your paste had no account or card numbers to mask. Phone numbers inside merchant descriptors are left out of the table below.
Recurring charges (sorted by yearly cost)
| # | Merchant (cleaned) | What it likely is | Raw descriptor | Frequency | Amount | Monthly equiv. | Yearly cost | Confidence | Flags | Suggestion |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Midtown Yoga (via Square) | Yoga studio membership (local business, exact studio not confirmed) | SQ *MIDTOWN YOGA | Monthly (likely) | $89.00 | $89.00 | $1,068.00 | Medium | Trial converted ($1.00 on Feb 25, then $89.00 on Mar 25). Overlap with Planet Fitness | Cancel? |
| 2 | HelloFresh | Meal-kit subscription | HELLOFRESH | Monthly | $79.96 | $79.96 | $959.52 | High | Highest fixed cost after yoga | Review |
| 3 | Planet Fitness | Gym membership | PLANET FITNESS CLUB FEES | Monthly | $24.99 | $24.99 | $299.88 | High | Overlaps with yoga | Keep (your choice) |
| 4 | Adobe (via PayPal) | Adobe software plan | PAYPAL *ADOBE SYSTEMS | Monthly | $22.99 | $22.99 | $275.88 | High | Billed through PayPal, so it's easy to miss on a card statement | Review |
| 5 | Netflix | Video streaming | NETFLIX.COM … CA | Monthly | $17.99 | $17.99 | $215.88 | High | Price increase: $15.49 in Jan, $17.99 in Feb and Mar (+$2.50). Overlap: 3 video streamers | Review |
| 6 | Amazon Prime | Prime membership | AMAZON PRIME*[varies] AMZN.COM/BILL | Monthly | $14.99 | $14.99 | $179.88 | High | None | Review |
| 7 | Spotify | Music streaming | SPOTIFY USA | Monthly | $11.99 | $11.99 | $143.88 | High | None | Keep (your choice) |
| 8 | Dropbox | Cloud storage | DROPBOX*[varies] DBX.COM | Monthly | $11.99 | $11.99 | $143.88 | High | Overlap: you also pay for iCloud storage | Cancel? |
| 9 | Apple (App Store / iCloud), charge A | Unknown Apple subscription, possibly your iCloud plan | APPLE.COM/BILL | Monthly | $9.99 | $9.99 | $119.88 | Medium | App-store bundle: could be any Apple or app subscription | Review (one of the Apple charges may be your iCloud) |
| 10 | Hulu | Video streaming | HULU … CA | Monthly | $7.99 | $7.99 | $95.88 | High | Overlap: 3 video streamers | Review |
| 11 | Peacock | Video streaming | PEACOCK TV LLC | Monthly | $7.99 | $7.99 | $95.88 | High | New in Feb (possibly a trial that converted or a new sign-up). Overlap: 3 video streamers | Cancel? |
| 12 | Apple (App Store / iCloud), charge B | Unknown Apple subscription, possibly your iCloud plan | APPLE.COM/BILL | Monthly | $2.99 | $2.99 | $35.88 | Medium | App-store bundle, Forgotten-looking (low dollar amount) | Review (one of the Apple charges may be your iCloud) |
| Total | $302.86 | $3,634.32 |
I added the totals twice and both times got $302.86/month and $3,634.32/year.
What you actually paid in Q1 for these items was $721.09. That's less than 3 × $302.86 because Peacock started in February, yoga was only $1 in February, and Netflix was cheaper in January.
Not counted as subscriptions
- Kroger, Trader Joe's, Shell, Chipotle: ordinary shopping, groceries, gas and dining.
- Payroll deposit (ACME CO): income.
Can't identify
No charges were fully unidentifiable, but three need a closer look:
- **"SQ *MIDTOWN YOGA"**: "SQ *" means the business takes payments through Square. It's clearly a yoga studio, but many studios share this name, so I can't tell you which one it is. The $1 charge followed by $89 a month later fits an intro offer that turned into a full membership. Check your email for a sign-up receipt.
- Two "APPLE.COM/BILL" charges ($2.99 and $9.99 every month): Apple puts all App Store, Apple One and iCloud+ subscriptions under one descriptor. One of them may be the iCloud storage you want to keep. To see exactly what's in each one, go to Settings → [your name] → Subscriptions on your iPhone or iPad. iCloud storage may show up under iCloud settings rather than in that list.
Getting to $60/month: options
| Option | Items cancelled | Monthly savings |
|---|---|---|
| A (suggested) | Midtown Yoga + Peacock + Dropbox | $108.98 |
| B (keep yoga) | HelloFresh + Peacock + Dropbox | $99.94 |
| C (keep yoga, keep HelloFresh) | Peacock + Hulu + Dropbox + Adobe + Apple $2.99 (if unused) | $53.95 (short of your goal) |
Option C shows that you probably need to cut either the yoga studio or HelloFresh to reach $60/month. Another idea is to rotate streamers: keep one at a time and switch every few months instead of paying for all three.
How to cancel (general guidance, not verified)
My web lookups failed during this job, so I couldn't confirm any official cancellation pages. These steps are general. Please check each merchant's own help page before you act, because policies and plans change.
- Midtown Yoga: Contact the studio directly. Local studios often require notice in writing or in person, and some ask for 30 days' notice. Check your membership agreement. Not verified.
- HelloFresh: Look in your account settings on their website or app. Meal kits often have a weekly cutoff for changing or skipping deliveries, so cancel early in the week to avoid another box. You may also be able to pause instead of cancelling. Not verified.
- Dropbox: Move your files to iCloud first, then go to your account settings on the website and downgrade or cancel. Not verified.
- **Peacock, Hulu, Netflix: