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6 Steps

How to Audit Your Bank Statements for Subscription Waste

Monthly review checklist to catch zombie subscriptions, price increases, and unauthorized charges.

1

Set a monthly review date

Pick the same day each month (e.g., the 1st). Put it in your calendar. Consistency is key — missed months mean missed charges.

2

Download all statements

Get statements from every checking account, savings account, and credit card. Don't forget PayPal, Venmo, and Apple Pay.

3

Flag all recurring charges

Go line by line and highlight every charge that appears monthly. Sort by amount — look for anything you don't immediately recognize.

4

Check for price increases

Compare this month's amounts to last month. Streaming services, software, and insurance quietly raise prices. A $2/month increase = $24/year.

5

Cancel what you don't use

For each subscription, ask: 'Did I use this in the last 30 days?' If not, cancel it. You can always resubscribe later.

6

Use SubScrub to automate

Upload your statements to SubScrub and let AI do the work. We find charges you'd miss manually, flag price increases, and generate cancellation letters.

Tips

The average American wastes $348/year on subscriptions they don't use
Look for annual charges too — they're easy to forget because they only appear once
Check for 'bundled' charges where one subscription includes others you didn't want
Let SubScrub Handle It — $7.99/mo