November 3, 2025 – Money Hacks – I opened my bank app yesterday and nearly dropped my coffee. Seven tiny charges were bleeding me dry every month — things I forgot I even signed up for. After 15 minutes with a free app, I cancelled them all and saved $1,247 a year. Here’s exactly what I found… and how you can do it in one coffee break.
1. The 7 “Ghost” Charges Hiding in My Account
- Apple One – $16.95/mo (used only Apple Music)
- Amazon Music Unlimited – $10.99/mo (duplicate!)
- Calm Premium – $69.99/yr (free trial from 2023)
- Headspace – $12.99/mo (same as Calm… oops)
- Skillshare – $32/mo (one course, then forgot)
- Paramount+ – $5.99/mo (for one show in 2024)
- Duolingo Plus – $12.99/mo (I’m fluent now…)
2. How I Found Them in 12 Minutes (Free Tool)
I used Rocket Money (free version). It scanned my linked bank, flagged every recurring charge, and showed me “Low Use” ones in red. One tap to cancel — no phone calls, no guilt emails.
3. Your 3-Step Money Hack (Takes 10 Minutes)
- Link your bank to Rocket Money or Trim (both free)
- Sort by “Low Use” – cancel anything under 2 uses/month
- Set a reminder every 6 months – I use Google Calendar
