3 proven methods to uncover every recurring charge across all your accounts — including forgotten trials and zombie subscriptions. This guide applies specifically to Microsoft 365 ($6.99-$12.99/mo) subscribers in Saint Petersburg, Florida. Florida's Automatic Renewal Law protects you.
Florida's Automatic Renewal Law (Fla. Stat. § 501.165) gives Saint Petersburg residents specific protections when dealing with Microsoft 365:
Penalties: Unfair trade practice — AG enforcement and private right of action
Applied to Microsoft 365 (Microsoft account website) for Saint Petersburg residents
Download 3 months of bank and card statements
Get PDF or CSV statements from every bank account and credit card. Most banks let you download from online banking. Go back at least 90 days to catch quarterly billing cycles.
Search for recurring amounts
Highlight every charge that appears at the same dollar amount each month. Patterns: $9.99, $14.99, $19.99, $49.99. Annual charges show up once — look back 13 months to catch them.
Check app store subscriptions
iPhone: Settings → [Your Name] → Subscriptions. Android: Play Store → Payments & subscriptions. These are managed separately and often forgotten.
Search email for billing receipts
Search Gmail or Outlook for 'receipt', 'subscription', 'renewal', 'billing', 'your plan'. Filter by the last 12 months. This catches services billed via PayPal or gift cards.
Check PayPal and Venmo recurring payments
Log into PayPal → Settings → Payments → Manage automatic payments. Venmo: Settings → Payment methods. Many users have 2–5 forgotten subscriptions here.
Method: Microsoft account website · Difficulty: medium
Microsoft 365-specific tips
Full refund within 30 days of renewal. Prorated after.
Under Fla. Stat. § 501.165, Saint Petersburg residents may be entitled to a full refund if Microsoft 365 didn't properly disclose auto-renewal terms.
SubScrub auto-cites Fla. Stat. § 501.165 for Saint Petersburg residents