Stop Paying for Subscriptions You Don’t Use

Are Unused Subscriptions Silently Sinking Your Stewardship?

In today's digital world, subscriptions have become a ubiquitous part of life. From streaming movies and music to meal kits, software, and even razor blades, the "subscription economy" offers convenience and access like never before. It's incredibly easy to sign up – often with just a click or two – perhaps starting with a tempting free trial. But have you ever stopped to count just how many services you're paying for each month? More importantly, are you actually using all of them? In today’s digital world, subscriptions are everywhere—from streaming and meal kits to apps and razors. But are you using them all? Stop paying for subscriptions you don’t use.

For many Christians striving to be faithful stewards of the resources God provides, there's a hidden drain silently siphoning money from our budgets: unused subscriptions. It's a phenomenon often called "subscription creep," where small, seemingly insignificant monthly charges accumulate over time, often unnoticed. Shockingly, studies reveal that a vast majority of consumers significantly underestimate their total monthly subscription spending. One report found 89% of people underestimate this cost, with two-thirds being off by over $200 per month, and 13% underestimating by more than $400.¹ Another study found consumers underestimated their monthly spend by an average of $133.²

This isn't just a financial oversight; it's a stewardship issue. Are we diligently managing the resources entrusted to us, or are we allowing forgotten commitments to waste God's provision? Let's explore the landscape of subscriptions, uncover the hidden costs of the ones we don't use, understand why we keep paying, and create a practical plan to take back control as faithful stewards.

The Ever-Expanding Subscription Landscape

The subscription model has exploded in popularity. Businesses appreciate the predictable revenue, and consumers enjoy the convenience and access. The overall subscription economy was valued at $650 billion in 2020 and is projected to skyrocket to $1.5 trillion by 2025.¹ Digital subscriptions, in particular, have seen massive growth, with the U.S. alone consuming 53% of the global total – more than double Europe's share.¹

So, how many subscriptions does the average person juggle? Estimates vary, but they paint a picture of numerous commitments:

• One source suggests the average US consumer has 2 subscriptions.⁴
• Focusing on entertainment and media, another study found the average US consumer holds 12 paid subscriptions, with Millennials averaging even higher at 17.¹
• A 2024 survey by Motley Fool Money (excluding utilities like internet) found 58% of people have 0-5 subscriptions, but 32% have 6-10, and 10% have more than 10.⁵ Younger generations (Gen Z and Millennials) are more likely to have a higher number of subscriptions compared to Gen X and Baby Boomers.⁴

What does this cost? Again, figures differ depending on what's included, but the outflow is substantial:

• One estimate puts the average monthly spend on all subscriptions (including things like cell phone plans and WiFi) at $273.¹
• A CNET survey found US adults spend an average of $91 per month on subscriptions.⁶
• A 2024 survey by Self Financial reported an average monthly cost of $40.39 specifically for paid subscriptions like streaming or meal kits (down from $52.97 in 2023).⁷
• The Motley Fool Money survey found one-third of respondents pay over $100 per month, with 14% spending over $150. Gen Z and Millennials reported higher spending than older generations.⁵ Another source pegs the average annual spend at $1,416.⁴

Video streaming services are a dominant category. As of January 2024, streaming viewership accounted for 36% of TV time in the US, surpassing cable (27.9%) and broadcast (24.2%).⁹ Globally, the number of online video streaming subscriptions is estimated to be near 1.8 billion in 2025.⁹ The average US subscriber has 3.3 streaming subscriptions ⁴, and 83% of US households have at least one.⁹ Average monthly spending on streaming specifically increased from $48 in 2023 to $61 in 2024.¹⁰

The sheer volume and cost associated with subscriptions underscore the need for careful management. While these services can offer value and convenience, their proliferation makes it easy to lose track, leading to potential waste.

The Hidden Drain: Paying for What We Don't Use

The convenience of signing up for subscriptions often masks a significant problem: many of these services go unused, yet the charges continue month after month. This isn't a minor issue affecting only a few; data reveals it's a widespread and costly phenomenon.

Surveys consistently show that a large portion of consumers pay for subscriptions they don't actively use:

• A staggering 7% of respondents in a 2024 Self Financial survey admitted to having at least one paid subscription going unused each month.⁷
• Similarly, a YouGov survey found that 55% of US consumers with subscriptions have at least one they haven't used in the past six months.¹²
• Other research indicates 42% of consumers have forgotten they were still paying for a service they no longer use.²

It's not just one forgotten subscription, either. The average subscriber has 3.3 paid subscriptions sitting idle each month.⁷

The financial impact of these unused services adds up quickly. The Self Financial survey calculated the average monthly amount wasted on unused subscriptions to be $32.84. Annually, that's nearly $395 drained from a household budget for services providing no current value.⁷

What specific subscriptions are people paying for but not using? It's often the most popular ones:

• Overall: Amazon Prime tops the list, with 30.1% of those with unused subscriptions reporting they hadn't used it in the past 30 days. Walmart+ followed at 26.9%.⁷ Other research points to commonly forgotten subscriptions including mobile phone plans, internet services, and TV/movie streaming alongside Amazon Prime.¹
• Video Streaming: Netflix leads the pack here, with 28.2% reporting it unused in the last month, followed closely by Disney+ (27.6%) and Prime Video (26.0%).⁷

Table 2: Top Unused Subscriptions (Past 30 Days)

(Source: Self Financial 2024 Survey ⁷)

This isn't about obscure services few people have heard of; it's household names that many of us subscribe to. The convenience that drew us in can easily lead to complacency and waste if we aren't vigilant.

From a Christian perspective, this waste directly contradicts the call to be faithful stewards. In Luke 16, Jesus tells the parable of the manager accused of wasting his master's possessions.¹³ While the manager's subsequent actions were shrewd, the initial charge was wastefulness. God entrusts resources to us, not for us to squander, but to manage wisely for His purposes.¹⁴ Proverbs 21:20 draws a stark contrast: “The wise store up choice food and olive oil, but fools gulp theirs down”.¹⁷ That $395 per year leaking out through unused subscriptions could be funding ministry, helping the needy, paying down debt, or building savings for future needs – activities that align far better with godly stewardship. Letting resources drain away unused is akin to the foolishness described in Proverbs.

Why Do We Keep Paying? Understanding Subscription Inertia

If so many people have subscriptions they don't use, and the cost adds up, why don't they just cancel them? The reasons are a mix of practical challenges and deep-seated psychological tendencies that businesses often leverage.

Surveys reveal the common reasons people put off canceling subscriptions they know they should:

• Automatic Renewals: The "set it and forget it" nature is a major factor. 39.3% cite auto-renewal as a reason for delaying cancellation.⁷ It's easy to overlook charges when they happen automatically.²³
• Forgetting: Simply forgetting the subscription exists or that a free trial ended is common. 36.4% admit they just forgot to cancel.⁷ Studies show 42% to 48% of consumers have forgotten to cancel free trials.² This forgetfulness is widespread.¹
• Lack of Time / Procrastination: Life gets busy, and canceling subscriptions feels like another task to add to the list. 35.8% cite a lack of time.⁷ Procrastination plays a significant role – the "I'll do it later" mentality often means it never gets done.²⁹
• Difficult Cancellation Process: Companies sometimes intentionally make canceling harder than signing up, creating friction. 35.3% find the process difficult.⁷ This can involve navigating confusing menus, being unable to cancel online, or long phone hold times.² Conversely, 80% of consumers are more likely to subscribe if they know cancellation is easy online.¹
• Already Paid for Longer Period:5% delay canceling because they've already paid for an annual or longer-term subscription.⁷
• Other Factors: Fear of missing out (FOMO) or thinking "I might use it someday" keeps people subscribed.²⁷ Some dislike confrontation or feel a misplaced loyalty to the company.²⁹ Others simply don't prioritize tracking these small expenses or lack organizational systems.²⁹

Table 3: Top Reasons for Not Canceling Unused Subscriptions

(Source: Self Financial 2024 Survey ⁷)

These practical reasons are amplified by principles from behavioral economics – the study of how psychology affects economic decisions:

• Default Bias / Inertia: We tend to stick with the default option (like auto-renewal) because changing requires effort. It's easier to do nothing.²³ Businesses rely heavily on this "inertia dividend" – the profit made simply because people don't actively cancel.³³
• Loss Aversion: Psychologically, the pain of losing something feels about twice as strong as the pleasure of an equivalent gain.²⁴ Canceling a subscription, even an unused one, feels like a loss – losing access, convenience, or potential future use. We dislike this feeling more than we value the money saved.²⁴
• Present Bias: We tend to prioritize immediate gratification over future benefits. Signing up for a subscription is easy and offers instant access (or the promise of it). Canceling requires effort now for a benefit (saving money) that feels distant.²³
• Pain of Paying: Automatic, recurring payments disconnect the act of paying from the act of consuming the service. Unlike handing over cash, these small, regular charges often don't register emotionally, reducing the perceived "pain" of the expense.³⁹
• Optimism Bias / Overconfidence: We often overestimate our future selves – believing we will use the service more later, or that we will remember to cancel that free trial before it renews.²⁹

Businesses are well aware of these psychological tendencies and design their subscription models accordingly.² They make signing up frictionless and cancellation cumbersome, capitalizing on our inertia and forgetfulness. Studies suggest this inattention can boost a company's revenue by as much as 200% compared to scenarios where customers must actively opt-in regularly.³⁵

From a stewardship perspective, this inertia can be seen as a form of spiritual carelessness or lack of diligence. Proverbs 18:9 states, “Whoever is slack in his work is a brother to him who destroys”.¹³ Letting resources waste away due to inaction isn't faithful management. Does clinging to unused subscriptions reflect a lack of contentment with what God has already provided (Hebrews 13:5 ¹⁹)? Does it show we're trusting in the "security" of having access rather than trusting God? Overcoming these tendencies requires the diligence repeatedly praised in Proverbs (Proverbs 10:4, 12:24, 13:4, 21:5, 22:29 ¹⁸). Actively managing our subscriptions is an exercise in disciplined stewardship, pushing back against both psychological inertia and business models designed to profit from it.

Taking Back Control: A Steward's Action Plan

Recognizing the problem of unused subscriptions is the first step, but true stewardship requires action. We must remember that everything belongs to God (Psalm 24:1 ¹⁴), and we are accountable for how we manage His resources (Luke 16:10-11 ¹⁶). Taking control of subscription spending isn't just about pinching pennies; it's an act of faithfulness. This requires a deliberate plan, just as Proverbs 21:5 advises, “The plans of the diligent lead to profit” ¹⁴, and Luke 14:28 encourages us to "sit down and estimate the cost".²⁰

Here’s a practical, four-step plan to reclaim control:

Step 1: Audit Your Subscriptions – Uncover the Hidden Costs

You can't manage what you don't measure. The first task is to identify every recurring charge. Choose the method that works best for you:

• Manual Review: This is the most thorough but time-consuming method. Gather your bank and credit card statements for the past 6-12 months. Scrutinize every line item, looking for recurring charges, especially those you don't immediately recognize or remember authorizing.⁴⁸ Don't forget to check your email archives for subscription confirmation messages or receipts.⁴⁹ Also, check your smartphone's app store settings (Google Play Store or Apple App Store) as subscriptions initiated there are managed separately.²⁸ Finally, review accounts like PayPal or other payment aggregators where subscriptions might be billed indirectly.⁵¹
• Bank/Credit Card Tools: Many financial institutions now offer features designed to help identify recurring payments linked to your cards or accounts. Check your bank's mobile app or website for tools like Chase's "Stored Cards" ⁵⁵, Capital One's "Eno" assistant or subscription management tools ⁵⁰, or features offered by US Bank.⁵⁸ These tools can provide a convenient starting point.
• Subscription Management Apps: Several third-party apps specialize in finding and managing subscriptions. Popular options include Rocket Money (formerly Truebill), Trim, PocketGuard, Bobby, Subby, Hiatus, and Subscription Stopper.⁴⁹ These apps typically require linking your bank and credit card accounts (using secure, often read-only connections ⁶⁰). They automatically scan transactions, identify recurring charges, and present them in a dashboard. Some even offer concierge services to cancel subscriptions on your behalf, though this often requires a paid premium version or takes a percentage of savings.⁵⁹ Be mindful of privacy policies when linking financial accounts.⁶⁰

Step 2: Evaluate Each Subscription – Needs vs. Wants, Value vs. Cost

Once you have your list, evaluate each subscription honestly and critically. Ask yourself:

• Usage: Do I actively use this service? How frequently? (Don't rely on intentions; consider actual usage over the past few months).
• Value: Does this subscription provide tangible value that justifies its cost? Is the benefit proportional to the price? ³⁰
• Necessity: Is this a genuine need, or is it a want/convenience/luxury?
• Alternatives: Could I get similar value elsewhere for less money, or even for free? Are there overlapping services I could consolidate? ⁷
• Alignment: Does this expense align with my overall financial goals and my priorities as a Christian steward? Does it help me honor God, provide for my family, and serve others, or does it hinder those goals? ¹⁴

Consider the "opportunity cost." Every dollar spent on an unused subscription is a dollar that could have been used for tithing, giving, saving, investing, or reducing debt. What kingdom purposes could that money serve?

Step 3: Cancel Ruthlessly – Overcoming Inertia

This is where diligence meets action. Acknowledge the psychological barriers discussed earlier (inertia, loss aversion, etc.) and make a conscious choice to overcome them.³³ Don't put it off.²⁹ Prioritize canceling the subscriptions you identified as unused or low-value immediately.

• How to Cancel:
  • Directly with the Merchant: Most services allow cancellation through your online account settings. Look for sections like "Subscription," "Billing," or "Account Management." Be prepared for retention offers or multi-step processes designed to make you reconsider.²⁶ Persist until you receive confirmation.⁴⁸ Keep a record of the cancellation confirmation (email, screenshot).⁵⁵
  • Via App Stores: If you subscribed through the Google Play Store or Apple App Store, you must cancel it there, not directly with the service provider.²⁸ Follow the instructions within the respective app store's subscription management section.
  • Using Management Apps: If you're using a service like Rocket Money or Trim, they may offer to handle the cancellation process for you, potentially for a fee.⁵⁵
  • Contacting Your Bank/Card Issuer: If a merchant continues to charge you after you've confirmed cancellation, contact your bank or credit card company. Explain the situation and request that they block future charges from that merchant.⁵¹
• Free Trial Strategy: When signing up for a free trial, immediately set a calendar reminder for a day or two before the trial ends.⁵⁰ This prompts you to make an active decision. Some suggest canceling the trial immediately after signing up; often, access continues for the full trial period, but you eliminate the risk of forgetting.²⁸

Step 4: Budget Intentionally – Directing the Savings

Canceling subscriptions frees up money, but without a plan, those funds can easily disappear into other spending categories. Good stewardship involves intentional planning.¹⁴

• Update Your Budget: Adjust your monthly budget to reflect the eliminated expenses.¹⁴ Seeing the savings quantified reinforces the positive action.
• Redirect the Savings: Be purposeful about where the saved money goes. Align it with God-honoring priorities:
  • Increase Giving: Allocate the funds to your tithe or offerings to support your church, missions, or charities (Proverbs 3:9 ¹⁷; 2 Corinthians 9:7 ¹³).
  • Boost Savings: Build your emergency fund, save for specific goals (like education or a down payment), or invest for the future (Proverbs 21:20 ¹⁷; Proverbs 6:6-8 ⁷²).
  • Accelerate Debt Reduction: Apply the extra funds toward paying off credit cards, loans, or other debts faster, breaking free from the burden Proverbs 22:7 describes ¹³; Romans 13:8 ¹⁴).
• Automate: If possible, set up automatic transfers to direct these saved funds toward your chosen goal (e.g., an extra payment to debt, a transfer to savings).⁶⁸ This helps ensure the money is used intentionally.

Tackling subscription waste requires a proactive approach involving discovery, evaluation, decisive action, and intentional redirection. While technology can assist, the core of the process relies on making conscious choices rooted in the principles of biblical stewardship.

Conclusion: From Wasteful Spending to Wise Stewardship

The convenience of the subscription economy is undeniable, but it comes with a hidden cost for the unwary. Subscriptions are numerous, the cumulative expense can be significant, and many services end up unused, draining an average of nearly $400 per year from household budgets due to waste.⁷ Psychological factors like inertia and loss aversion, often amplified by business practices, make it easy to keep paying for things we don't need or use.

However, as Christians, we are called to a higher standard than passive consumption. We are called to be faithful stewards of all the resources God entrusts to us (Luke 16:10-11 ¹⁶). Managing our subscriptions diligently isn't merely about saving money; it's an act of worship, reflecting our commitment to honor God with the finances He provides. It requires the diligence praised in Proverbs ¹⁸ and an intentionality that aligns our spending with God's priorities, recognizing where our true treasure lies (Matthew 6:21 ¹⁴). Avoiding waste, even in small amounts, honors the Giver and reflects the principle Jesus demonstrated when He instructed the disciples to gather the leftovers so that nothing would be lost (John 6:12 ⁷⁴).

By taking the practical steps to audit, evaluate, cancel, and redirect funds from unused subscriptions, we move from potentially wasteful spending toward wise stewardship. This journey brings not only financial benefits like reduced stress and increased savings but also spiritual rewards: greater peace, enhanced ability to give generously, and the quiet joy of managing God's resources faithfully. Let us embrace the challenge to be diligent, find contentment not in possessions but in God's provision (Hebrews 13:5 ¹⁹), and purposefully direct every dollar toward goals that bring Him glory. Take the first step today – review your subscriptions and align your spending with your stewardship calling.

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