The Ultimate Guide to Cutting Subscription Costs for Aussies (2025 Edition)

(Last updated Feb 2025)

Everyday working Australians (including many PressPay users) can especially benefit from a subscription clean-up. It’s all about managing your money wisely so you’re not paying for stuff that doesn’t add value to your life. This guide breaks down the most common subscriptions, what they cost as of early 2025, how to cancel them, and tips to audit and trim the fat from your subscription list. We’ll also dive into the psychology of why it’s so easy to keep paying – and how to overcome those habits. Let’s get started!

Popular Subscriptions Aussies Sign Up For (and What They Cost)

Subscription services span almost every aspect of life. Here are some of the most popular types in Australia, along with current prices and trends to be aware of:

Video Streaming Services (Netflix, Disney+, Stan, Binge, etc.)

Streaming TV and movie platforms are hugely popular in Australia – chances are your household has one or more. The big players and their current prices (in AUD) as of 2025 are:

• Netflix – The Standard-with-Ads plan is $7.99/month, Standard (HD, no ads) is $18.99, and Premium (4K) is $25.99​. (Netflix has phased out its old Basic plan, so new subscribers must choose either the ad-supported tier or pay for Standard/Premium.) Keep in mind Netflix periodically hikes prices – for example, the Premium plan jumped from $22.99 to $25.99 over the past year​. There’s no free trial anymore, and no lock-in contract – you can cancel any time.
• Disney+ – Home to Disney, Marvel, Star Wars and more. Disney+ now offers two tiers: Standard at $13.99/month (HD streaming on 2 devices) and Premium at $17.99/month (4K UHD on 4 devices)​. You can save about 15% by paying annually ($139.99 or $179.99 per year)​. Disney+ introduced these tiered plans as it expanded content (e.g. the Star channel) and, like Netflix, it may introduce an ad-supported plan in future. No contracts here either – cancel online anytime.
• Stan – An Aussie-based streaming service with a deep library of TV, movies, and original content. Stan has Basic ($12/month), Standard ($17/month), and Premium ($22/month) plans​. The higher tiers allow more simultaneous streams and HD/4K quality. Stan also offers a Sports add-on for an extra $15 if you want live rugby, tennis, etc. One important note: Stan has increased prices recently (the Standard plan rose from $14 to $17 last year​), so double-check your plan – you might be paying more than when you first signed up. Stan is month-to-month with no lock-in.
• Binge – A streaming service for Foxtel content, HBO shows and more. Binge’s plans are Basic ($10/month for 1 stream), Standard ($19/month for 2 streams, HD), and Premium ($22/month for 4 streams, HD)​​. (Standard and Premium include some content in 4K where available.) Binge introduced a $1 increase to the Standard tier in Nov 2024​, while keeping Basic and Premium prices steady​. Like others, it’s contract-free. They also have annual plan options (e.g. ~$149/year for Standard) which can save you a bit if you’re committed long-term​.
• Amazon Prime Video – Amazon’s streaming is bundled with the broader Amazon Prime membership. Prime in Australia now costs $9.99/month or $79/year​(a 42% hike from the old $6.99 rate​). That one fee includes Prime Video, free Amazon shipping, Prime Music (a limited music library), Prime Reading, and other perks. If you shop on Amazon and also stream, Prime can be great value. But if you only wanted the video content, remember you’re paying roughly $10 a month for it. Prime is no-contract; you can cancel anytime (your benefits just end when your paid period expires).

👉 Tip: Rotate your streaming services. Since these are all month-to-month, some Aussies save money by subscribing to one or two at a time. For example, binge Netflix for a month or two, then cancel and switch to Disney+ for the next couple of months. This way you’re not paying for all platforms at once. It requires a bit of effort (and remembering to cancel!), but it can cut your streaming spend dramatically.

Music & Audio Streaming (Spotify, Apple Music, etc.)

On the audio front, music streaming has largely replaced buying albums. The most popular services and their current Aussie prices:

• Spotify Premium – The ad-free individual plan is $13.99/month​. There are also Duo plans for two people (~$19.99/month) and Family plans for up to 6 accounts (currently $23.99/month)​. Spotify bumped up prices in 2023 (Premium Individual went from $11.99 to $13.99) and further global increases are expected, so keep an eye out​. Spotify Premium has no lock-in; you can cancel any time and drop back to the free (ad-supported) tier.
• Apple Music – Apple Music is priced similarly around $12.99/month for an individual plan (and $19.99 for Family). (Apple’s student plan is about $5.99). Note Apple quietly raised its pricing in late 2022, so if you subscribed at $11.99, you might have noticed it’s higher now. Like Spotify, it’s contract-free.
• YouTube Premium – This service (which includes ad-free YouTube and YouTube Music) is about $14.99/month in Australia. Many people get it to skip ads on YouTube and gain background play on mobile. It’s a monthly subscription you can cancel anytime. If you mostly want music, note that YouTube Music is included here – but its library is similar to other music services.

(There are other audio services too – e.g. Amazon Prime Music (included with Prime), Tidal, Audible for audiobooks, etc. The key is to ensure you’re actually using whatever you subscribe to. It’s easy to let a music or audiobook trial continue billing even if you stopped listening.)

Food Delivery & Meal Services (Uber Eats, Menulog, HelloFresh, etc.)

This category is a bit different – apps like Uber Eats or Menulog themselves don’t charge a monthly fee to browse or order, but you might be treating them like a subscription if you’re ordering food delivery every week. The real “subscription” aspects here are:

• Premium Memberships: Uber has Uber One, a subscription that gives you free Uber Eats delivery (and discounts on rides). Uber One costs $9.99/month (or $96/year) in Australia​. If you order Uber Eats frequently, the membership can pay for itself by saving on the ~$5 delivery fees. Just remember it auto-renews – if you’re not ordering often anymore, cancel it so you’re not paying $10 for nothing. Menulog currently doesn’t have a similar membership program (it often uses promo codes instead), but DoorDash offers DashPass at about $13/month which also gives free deliveries at certain restaurants.
• Meal Kit Subscriptions: Services like HelloFresh, Marley Spoon, Dinnerly, etc., deliver meal ingredients to your door each week. These are subscriptions – you sign up for a weekly box (e.g. 3 meals for 2 people). Costs vary: a HelloFresh plan might be ~$70–$120 per week depending on meal quantity. They usually offer big discounts for the first few weeks to hook you in. Be careful: after the promo, the price jumps to the normal rate. Many people forget to cancel after the “$30 off for 4 weeks” deal and end up paying full price on week 5. The good thing is you can pause or cancel these meal kits anytime through their app or website (just do it before the weekly cutoff so you’re not charged for the next box!). If your routine or budget has changed, make sure you’re not still subscribed to a meal kit that’s going unused.
• Loyalty Programs: Some coffee chains or smoothie bars have subscription-style programs (e.g. pay $X monthly for a daily coffee). These aren’t too common yet in Australia, but keep an eye out – always evaluate if you’ll use it enough. A $20/month coffee subscription is wasted if you only grab two coffees a month.

👉 Tip: Treat frequent app spending like a subscription in your budget. If you’re regularly spending say $50 a week on Uber Eats, that’s ~$200 a month – equivalent to a sizable subscription! Consider setting a budget limit or “subscription” line item for takeaway. And if you’ve signed up for any delivery passes or meal kits that you’re not fully using, cut them loose. Your waistline and your wallet might thank you.

Fitness & Wellness Memberships (Gyms, Peloton, Apps like Les Mills+)

Staying fit often comes with a recurring fee. Here are common culprits and what to watch for:

• Gym Memberships – Traditional gym contracts can be sneaky. Most gyms charge fortnightly or monthly via direct debit. Aussies spend about $63 per month on average for gym memberships​, but premium gyms can cost much more. For instance, Fitness First might be $30+ a week, while a budget 24/7 gym might be ~$15 a week. Many gyms lock you into a 12 or 18-month contract – if you try to cancel early, you could face a hefty fee (often 50% of remaining dues or a set charge). For example, one chain charges $295 if you have 12+ months left on a contract, or $245 if 6–12 months remain​. Month-to-month gym options exist too, usually with a slightly higher monthly cost but no cancellation penalty. Also note: nearly all gyms require 30 days’ notice to cancel (NSW/VIC), or 14 days in some states​, so you’ll likely pay one more billing cycle after you give notice. If you haven’t been swiping into the gym…you’re not alone – 50% of members use the gym less than once a week, and 1 in 5 go less than once a month​. That’s a lot of money for little benefit. Don’t feel bad cancelling a membership you’re not using – your health can be maintained in cheaper ways until you’re ready to hit the gym regularly again.
• Home Fitness Subscriptions – The pandemic kicked off a boom in at-home workout apps and equipment subscriptions. Popular examples:
• Peloton – If you have a Peloton bike or treadmill, the All-Access Membership is $59/month in Australia (it’s required to use the full features of the bike/tread)​. If you don’t own their equipment, you can use the Peloton App with your own gear for about $16.99/month​, which gives access to cycling, running, yoga, etc., classes on your phone/TV. Peloton’s membership is month-to-month. Just note if you bought the bike on a financing plan, that’s separate – the subscription can be cancelled any time if you need, but you’d lose the live class experience that justifies the bike.
• Les Mills+ – This is a popular online workout platform (from the folks behind BodyPump and other classes). It offers two tiers: a Base plan (limited content) and a Premium plan (full content). The Premium plan is roughly around $25 AUD per month (with annual options cheaper per month), and Base is around $10–15/month for a smaller selection. Like others, you can cancel via the website. If you did an annual prepay and cancel early, you usually still have access for the paid period but won’t get a refund – so it might be best to stick to month-to-month until you’re sure.
• Other fitness apps – e.g. Centr, Fitbod, Sweat, Apple Fitness+ (about $12.99/month), etc. These typically cost $10–20 per month. They are easy to start (often free trials for 7 days or 1 month) and often just as easy to cancel (through the app store or their site). The main “trap” is free trials auto-renewing – if you tried one and didn’t use it, make sure it’s not quietly billing you.

👉 Tip: For any fitness membership, ask yourself if you’re getting value. It’s easy to be optimistic when signing up (“I’ll go to the gym every day!” or “I’ll use this yoga app often”), but life gets in the way. If you haven’t used a subscription for a couple of months, consider cancelling now. You can always rejoin later. Many gyms will let you freeze membership for a small fee – a good option if you think your absence is temporary. Just don’t actively avoid looking at how often you go; a survey showed 42% of Aussies try not to pay attention to their finances or bank statements, which means they miss unwanted fees​. Don’t be that person – face the usage reality and save your dollars.

Financial & “Fintech” Services (Credit monitoring, investing apps, etc.)

Beyond entertainment, we now have subscriptions for financial tools too. Here are a few examples:

• Credit Score Monitoring – You have the right to a free credit report, but some companies sell “credit monitoring” subscriptions. For example, Equifax’s Credit Protect service (which alerts you to changes on your credit file and gives you monthly credit reports) costs around $14.95 per month in Australia (Optus even offered a free year to customers after the 2022 data breach, valued at $14.95/month)​. These services can be useful if you’re actively worried about identity theft or preparing for a loan, but many Aussies don’t really need to pay for credit monitoring – there are free options to get your credit score periodically (NAB’s app offers a free credit score, and websites like Credit Savvy or Finder do too). Unless you know you need constant credit alerts, consider skipping this subscription.
• Micro-Investing & Stock Platforms – A number of investment apps charge small monthly fees:
• Raiz Invest – This popular micro-investing app (which invests your spare change) charges a $4.50/month maintenance fee for standard portfolios under $20,000​. (It was $3.50, but increased to $4.50​.) It doesn’t sound like much, but if you only have say $500 invested, $4.50/month is over 10% of your balance per year! Raiz also has a $5.50/month option for a custom portfolio​​. If you use Raiz, make sure the fee isn’t wiping out your returns – it can be great for starting out, but as your balance grows, percentage-based fees from other brokers might be cheaper.
• Other investing subscriptions – Some share trading platforms have premium tiers (SelfWealth used to have a premium subscription; Sharesies has plans up to $20/month that include certain trading allowances​). Also, paid stock market newsletters or courses could be considered subscriptions. Always evaluate if you’re truly using the info or perks you pay for. If not, cut it and perhaps use free resources or basic accounts.
• Financial Apps and Services – You might also be paying for things like budgeting apps, tax software, or investment newsletters. For instance, you might have a paid subscription to a personal finance app that you don’t use anymore because you switched banks or got busy. These often range $5–15/month. Do a check: are you double-paying for something your bank now offers for free? (Many Aussie banks now have spending trackers and budget tools built into their apps, which can negate the need for a paid third-party app.)

👉 Tip: The finance space is one where “freemium” models abound – a free basic service and a paid premium tier. Before subscribing, try the free service (if available) or see if there’s a free alternative. And if you did subscribe during a money motivation kick (New Year’s resolution to budget, for example) but fell off the wagon, it’s okay – cancel so you’re not throwing away money, and maybe revisit it when you’re ready to use it fully.

Software & Cloud Services (Microsoft 365, Adobe Creative Cloud, etc.)

We’re increasingly subscribing to software rather than buying it outright. Some major ones:

• Microsoft 365 (Office) – Many households and students subscribe to Microsoft’s Office suite. In Australia, Microsoft 365 Personal (for 1 user) is now AU$159/year (or $16/month) and Family (up to 6 users) is AU$179/year ($18/month)​. These prices jumped in Jan 2025 (Family went from $139 to $179 per year, a 29% hike​!). Microsoft attributed the increase to adding AI features and more services. If you’re subscribed, make sure you’re on the right plan – e.g. if you’re paying for Family but only using it yourself, you could downgrade to Personal and save money. Also, check if you can get it cheaper: students often get Office 365 free via their school, and some employers offer free Office for home use. There’s no lock-in (you can cancel renewal), but since these are often annual subscriptions, set a reminder near your renewal date in case you want to switch plans or cancel.
• Adobe Creative Cloud – Adobe apps like Photoshop, Illustrator, Premiere Pro, etc., now come via subscription. Adobe’s All-Apps plan (everything included) costs a hefty $96.99 per month on an annual contract in Australia​. (Month-to-month without annual commitment is even more, around $144.99/month​.) Single-app plans (for one software like Photoshop alone) are about $35.99/month on annual contract​. Adobe did a price rise in late 2023, so if you’ve been subscribed a while, you might have noticed the increase. Important: Adobe’s plans often default to annual contracts – meaning while you pay monthly, you are locked in for a year. If you try to cancel before the year is up, they’ll charge a penalty (often 50% of remaining months). So, be very mindful when you sign up: if you’re not 100% sure you’ll need it all year, consider choosing the month-to-month option (even though it costs more per month, it gives you freedom to cancel anytime). For casual users or side projects, also look into cheaper or free software alternatives to avoid this pricey sub altogether.
• Cloud Storage & Other Software – Do you pay Apple or Google for extra cloud storage? iCloud’s common plan is $4.49/month for 200GB in Australia, Google One is $4.39/month for 200GB (or $12.49 for 2TB). These are easy to forget since they often kick in when you run out of free space. If you’re no longer using that device or could consolidate to a single service, you might save a few dollars. Similarly, check for antivirus or VPN subscriptions on your credit card. Many of these auto-renew annually. If your needs changed (or if you’re fine with free basic antivirus built into Windows/Mac), you can cancel the auto-renew.
• Productivity and Other Apps – From password managers (e.g. 1Password at ~$4/month) to design tools (Canva Pro ~$18/month for a team), there’s a subscription for everything. Individually they might not break the bank, but a couple of $10–$15 services add up. Review what software you’re actually using. For instance, if you subscribed to a coding tutorial platform at $30/month during a brief learning spree, don’t forget to cancel if you’ve stopped following the courses.

👉 Tip: Software subscriptions often offer annual billing discounts (like “2 months free”). That’s great if you’ll use it all year, but it also makes you pre-pay for 12 months. If there’s any doubt, you’re better off on a monthly plan that you can cancel. Also, watch for free trial to paid conversion – e.g. Adobe might have a 7-day free trial that auto-bills the annual plan if not cancelled in time. Set an alarm on your phone for a few days before any trial ends so you can decide to keep or cancel.

Now that we’ve covered the common subscriptions and their costs, let’s look at how to manage them: how to cancel those you don’t need, and how to keep track of what you’re paying for.

How to Cancel Your Subscriptions (No Headaches Required)

Cancelling a subscription should be straightforward, but experiences vary. Some services let you cancel in two clicks online, while others hide the cancel button in the depths of your account settings (and gyms… well, gyms are infamous for making you jump through hoops). Here’s how Aussies can cancel various subscriptions and what to watch out for:

• Streaming Services: Almost all video and music streaming services can be cancelled online via your account page. For Netflix, Stan, Disney+, Spotify, etc., you usually go to your Account Settings and look for “Cancel Membership” or “Subscription”. In most cases, your cancellation takes effect at the end of your current billing period. (So if you paid on Feb 1 and cancel on Feb 10, you typically can still watch until Mar 1, but it won’t charge again). They do not have any extra fees for cancelling – these are pay-as-you-go. Just be sure to complete all steps; some services ask you to confirm one or two times. You should get a confirmation email when it’s cancelled – keep that email just in case you’re billed again erroneously. One thing to be aware of: if you signed up for a subscription through a third party (like through Apple’s App Store, Google Play, or via your telco), you may need to cancel it through that same channel. For example, Apple/iOS users who subscribed to Spotify or YouTube Premium via the iPhone will need to go into their Apple ID Subscriptions management to cancel – doing it on the service’s website won’t work because Apple manages the billing. Same with Android/Google Play subscriptions. This tripped up many people who delete an app, thinking the subscription is gone – but the billing continues until you cancel in your phone’s settings.
• Uber One / Delivery Passes: These can be cancelled in the app. In Uber Eats or Uber app, go to the Uber One section (profile > Uber One) and there’s an option to manage or end membership​. It will warn you that you’ll lose the benefits. Just confirm and you’re done – no fees to cancel since it’s month-to-month. Similarly, DoorDash’s DashPass can be cancelled via the app or website account settings. Always make sure to cancel before the renewal date; if you forget and the monthly charge hits, you typically won’t get that refunded (you’d just have the membership active for another month).
• Gym Memberships: Ah, the tricky ones. For most gyms in Australia, you cannot simply click a button online to cancel (though this is slowly changing with some 24/7 gyms). Generally, you will need to request cancellation in writing (email or a physical form at the gym). Check your original contract for the process. Many gyms require you to fill out a cancellation form and submit it either in person or via email. Keep a copy or get an acknowledgment. They will likely enforce the notice period – e.g. 30 days from when you give notice, they’ll charge one more cycle. Make sure your billing info is up to date while cancelling (if your card bounces, they might send the debt to collectors or keep charging late fees). If you’re out of contract (your initial term is over), you should be able to cancel with just the notice and no extra fees. If you are still within a contract term and want out early, ask the gym what the penalty is – as noted, it could be a few hundred dollars or a percentage of remaining dues​​. Do the math: in some cases, if you have only a few months left, it might be cheaper to just ride it out (freeze the membership if you can, to pay a smaller holding fee). But if you have a year left at $60/month and the cancellation fee is $300, paying that fee might still save you $420 versus continuing to pay while not using. Also, gyms must by law allow cancellations in special circumstances (like serious illness or moving far away with proof). If you believe you have a valid reason, you may negotiate to waive fees. After cancelling, watch your bank statements to ensure the debits stop after the final charge. If they don’t, contact the gym – and you can instruct your bank to block further debits if needed (you have the right to cancel a direct debit authority through your bank as a last resort).
• Online Fitness/Wellness Apps: These are usually easy to cancel. If you signed up on the app stores, cancel there. If you signed up on the company’s website, log in to your profile – there’s often a Cancel Subscription option under billing. For example, Peloton’s app can be cancelled via your account online. Les Mills+ can be cancelled via their website login. Meditation apps like Calm or Headspace if purchased through Apple/Google, cancel via phone settings. No extra fees – you just won’t be billed further and lose access after the current period.
• Financial Services: If you need to cancel a credit monitoring or insurance-type subscription, you often have to contact them via phone or online portal. For example, to cancel Equifax’s Credit Protect, you’d log into your account on Equifax’s site and cancel the subscription (since it’s no lock-in). Some of these services make you call – insurance and roadside assistance subscriptions come to mind. Don’t be afraid to call and firmly say you want to cancel. They might try to offer you a discount to stay – if you truly don’t need it, stick to your decision. Ensure they send an email confirming cancellation. For bank-related things (like an optional account add-on), your bank’s customer service can cancel it for you.
• Software Subscriptions:
  • Office 365/Microsoft: Log in to your Microsoft account (account.microsoft.com) > Services & Subscriptions, and you can turn off recurring billing. If you turn off auto-renew, you’ll keep using Office until the current paid period ends. Microsoft actually allows you to cancel and get a prorated refund only within 30 days of a renewal. So if you forgot to cancel and it just charged the yearly fee, you have a short window to contact support and potentially get a refund.
  • Adobe: You must cancel via your Adobe account page. It will show if you’re on a yearly plan. If you’re mid-contract, it will calculate the fee. If you’re close to the end of an annual term, note that Adobe auto-renews for another year if you don’t cancel beforehand. Mark that date. If you see an early cancellation fee that you think is too high, one trick some users do is downgrade to a cheaper plan (like Photography plan) for the remaining months, or set a reminder to cancel on the exact renewal date when you can escape without fee. Adobe also sometimes offers a discounted rate if you attempt to cancel (a popup like “Would you stay for 3 months at $xx?”) – only take that if you truly will use it. Otherwise, complete the cancellation.
  • Other Software: For things like antivirus (Norton, etc.) or VPNs, you typically cancel in your online account or by contacting support. Be aware of auto-renewal terms – some have a clause that bills you a month or two before expiry for the next year. Turn off auto-renew in advance if you don’t plan to continue.
• Subscriptions via App Stores: A lot of digital subscriptions are tied to your Apple or Google account (for instance, many iPhone apps’ premium versions). To cancel on Apple iOS, go to Settings > Your Name > Subscriptions, and you’ll see a list of active subs. Tap the one to cancel and select “Cancel Subscription”. On Android/Google Play, open the Play Store app, tap your profile > Payments & Subscriptions > Subscriptions, then select and cancel. This covers everything from that game app you forgot to cancel the free trial of, to a photo editing app subscription. It’s wise to review this list periodically – you might spot something you didn’t realise you’re paying for.

Potential Cancellation Pitfalls: 

Keep these in mind:

• Cancellation notice timing: If you cancel on the renewal date, sometimes you’ll already have been charged that morning. It’s safer to cancel a day or two before (except in cases like Adobe where you need to finish the full term to avoid fees).
• No refunds for unused time: Most month-to-month subs don’t refund partial months. E.g. if your Netflix renews on the 15th and you cancel on the 20th, you won’t get money back for those 5 days – you simply get to use it until next 15th.
• Email confirmations: Save them. If you get charged again in error, it’s much easier to dispute with proof.
• If All Else Fails: If a company is making it extremely hard to cancel (not responding, etc.), you can contact your bank to block the charges. Under Australian banking rules, you can request a stop to a direct debit. For credit card charges, you can dispute unauthorised charges. This is a last resort (it won’t get a refund for past charges, but will stop future ones). The new Australian Consumer Law proposals are also looking to outlaw unfair “dark patterns” that make unsubscribing hard​, so hopefully cancellation will get easier across the board.

Finally, don’t be embarrassed to cancel something. Companies design these services to be easy to start and a pain to stop – but it’s your money. As Marie Kondo might say, if it no longer “sparks joy” (or useful function), feel free to hit that cancel button​.

Audit Your Subscriptions: Find and Weed Out the Sneaky Ones

You can’t manage what you don’t know about. Many Australians are subscribed to things they’ve outright forgotten – a 2023 survey found 39% had direct debits or subscriptions they had forgotten about or no longer used​. Let’s fix that by doing a subscription audit. Here’s how to go about it:

1. Check Bank and Credit Card Statements: This is the most surefire way to catch recurring payments. Pull up your online banking or paper statements for the last 2–3 months. Scan line by line for anything that looks like a subscription merchant or a repeating charge. Common descriptors include the service name (e.g. “Spotify”, “Google”, “Apple”, “Amazon”, “Telstra”, etc.) or generic terms like “Direct Debit – [Company]”. Don’t ignore small amounts – a $5.99 charge might be that cloud storage or forgotten app. Mark down every subscription you identify, along with how much and how often (monthly, yearly). (Interesting fact: Nearly 1 in 5 Aussies never check their bank or credit card statements​ – it’s easy to be in “out of sight, out of mind” mode, but you might discover money leaking out.)

2. Look at PayPal or Other Payment Accounts: Do you have some subscriptions billed through PayPal, Afterpay, or another platform? Log in there and review pre-approved payments. For example, PayPal has a section for “Recurring Payments” where you might find an old magazine subscription or software license you forgot. Cancel any you don’t need right from that interface.

3. Audit Your Email for Clues: Search your inbox for keywords like “subscription”, “renewal”, “receipt”, “free trial”, “membership”. Often you’ll find welcome emails (“Thanks for subscribing to X”) or monthly receipts (“Your invoice for…”) that remind you of services. This can catch things like donation subscriptions, Patreon pledges, monthly mystery boxes, etc., that might not immediately come to mind. Also check spam/junk folders for any “your price is increasing” notices that you may have missed.

4. Use Your Phone’s App Store Lists: As mentioned earlier, checking the Subscriptions list on your iPhone or Android phone will show you all active app store subscriptions. It’s not uncommon to find one or two you forgot – maybe a photo editing app or a meditation app still billing from last year’s free trial. Make sure to cancel those if unwanted. While there, also see if any expired subscriptions are listed – sometimes it shows what you used to pay for, which can jog your memory if you cancelled on the phone but maybe re-subscribed via another method.

5. Consider a Subscription Tracking Tool: If you have a lot of subscriptions or want to stay on top of them without manual effort, you can use an app or service specifically designed for tracking. For example, TrackMySubs is an Australian-made app that lets you input your subscriptions and will send you email alerts before a payment is due​​. Even the big banks are adding features: CommBank’s app has a “Regular payments” view, Westpac’s app can show upcoming bills, etc. Third-party tools like Rocket Money (formerly Truebill) are popular overseas – they connect to your accounts and identify subs – but in Australia their usefulness may vary by bank compatibility. If you prefer not to link accounts, a simple Excel or Google Sheet can do the job: list each subscription, cost, billing date, and set up a monthly reminder to review it.

6. Review and Reflect: Once you have the full list of your subscriptions, go down the list and ask for each: “Am I truly using this enough to justify the cost?” This is where you identify the low-hanging fruit to cut. You might discover you’re paying for three different streaming services but really only using one, or that you have two music services when you only need one. Maybe you find you’re still paying for that language learning app even though you haven’t done a lesson in months. Highlight these as targets to cancel or pause.

7. Don’t Forget Annual Subscriptions: Some things only charge once a year, which makes them easy to forget. Common annual subs include: Amazon Prime (if you pay yearly), Costco membership, antivirus software, domain name renewals for websites, professional associations or unions, cloud storage plans, etc. If they didn’t charge in the last 2-3 months, you might not catch them in steps above. Think back over the year or check last year’s statements for any big one-off charges that recur annually. Put those in your list too, with their renewal month. It helps to set calendar reminders for a few weeks before an annual renewal so you can decide to keep or cancel.

By the end of this audit, you should have a clear picture of all your subscriptions. Many Aussies are surprised at what they find – as NAB’s research noted, people often sign up to more than they realise​. But knowledge is power: now you can take action on each item.

Common Subscription Traps (and How to Avoid Them)

Companies love the subscription model because it often leads to “set and forget” on the consumer’s part. Here are some common pitfalls Australians fall into with subscriptions, and tips to dodge them:

• Free Trials that Auto-Cancel…Not!: A classic trap is the free trial that quietly converts into a paid plan. Whether it’s a 7-day free trial of a TV app or a 3-month free promo for a music service, these almost always require you to enter payment details up front, and they will bill you after the trial unless you cancel in time. Many people intend to cancel but forget – and the companies bank on that. Avoidance: Set a calendar reminder or alarm on your phone for a couple of days before the trial ends. Or, if you’re allowed, sign up then immediately go into your account and cancel straight away – often you’ll still get the free trial period, but your account is set not to renew. (Double-check that in the terms; most services do allow using the trial even if you cancel early, but a few might end access immediately.) Also, be cautious of trials that lead into annual subscriptions (some services lure you with “7 days free then a year subscription”). If you only wanted to test, that’s dangerous – you could be slugged a full year cost. Always read what happens after the trial.
• Introductory Prices & Limited-Time Deals: A lot of services offer an intro discount. E.g. “Subscribe now for $5.99/month for the first 6 months!” or “get 50% off the first year”. These are fine as long as you remember that after the promo period, you’ll be paying the regular rate. A common pitfall: signing up during a promo and then not noticing when the price doubles later. A real example: many digital news subscriptions (SMH, The Australian, etc.) do $1 a week for 12 weeks, then jump to $8+ per week. Gyms might waive the joining fee or give first month free – but lock you in for a year. Avoidance: Mark the date when the price changes. When that date arrives, evaluate if you’re willing to pay full price. If not, cancel before it auto-renews at the higher rate. Sometimes you can even chat with customer service at the end of a promo and say you’re considering cancelling – they might extend a deal to keep you. Just don’t passively accept price doubling without deciding if it’s worth it to you.
• Unnoticed Price Hikes: Even if you’re out of the intro period, prices can go up. Under Australian law, companies generally must notify you of changes, but those emails are easy to miss. For example, Netflix and Stan have sent emails about price increases, but many people only realise when they see a higher charge on their bank statement. Spotify announced a family plan increase via email that some families ignored until they saw an extra $3 on the bill​. Microsoft 365 emailed users about a huge price jump for 2025​. Avoidance: Pay attention to emails from your subscription services – don’t ignore subject lines like “Important updates to your account” or “Price change”. Also review your bills every few months; if a charge looks higher, investigate. If a price hike makes it too expensive for you, remember you can cancel – you’re not stuck at the new price if it no longer offers value to you.
• “Hard to Cancel” Trickery (Dark Patterns): Some services intentionally make the cancel button hard to find or throw extra steps at you – a practice dubbed “dark patterns”. For instance, a website might require you to click through multiple “Are you sure? Think of all the benefits you’ll lose!” screens – sometimes called confirmshaming, where the option to decline is phrased in a guilt-inducing way​. Other times, companies hide the cancel option deep in the help pages, or force you to chat with an agent who tries to convince you to stay. A notable example in Australia was Kogan’s First membership, which reportedly used such dark patterns to obscure cancellation​. Gyms, as we discussed, often require an in-person visit or written notice – creating friction. Avoidance: Steely resolve! If an online service is giving you endless prompts, just keep clicking to confirm cancellation. Don’t fall for wording like “No, I hate saving money” (yes, some actually use snarky confirm buttons). If you can’t find the cancel button, search “[Service Name] cancel subscription Australia” – often the result will directly point to the cancellation page or instructions. You can also email their support stating you want to cancel – that creates a written record. The Australian government is aware of these tricks; proposals are underway to require a straightforward unsubscribe process (possibly as easy as a click, similar to unsubscribing from emails)​. Until that becomes law, be persistent on your own behalf.
• Lock-In Contracts & Exit Fees: We touched on this for gyms, but it applies to other services too, like mobile phone plans, NBN internet contracts, home security monitoring, etc. The trap is signing a 12 or 24-month contract for a service (maybe to get a lower price or a free device) and then feeling stuck if you don’t use it or can’t afford it. Early termination fees (ETFs) can sometimes be almost as much as remaining dues. For example, if you got a “free” tablet with a mobile data plan, you might be on a 24-month contract – canceling at month 12 could require paying off the tablet and a break fee. Avoidance: Whenever possible, opt for no-contract plans. These days many telcos offer month-to-month options – maybe you pay a bit more upfront for a device or a slightly higher monthly rate, but you retain freedom. If you are in a lock-in and not using the service, contact the provider – sometimes they offer a reduced plan or a way to suspend the service, which might be better than paying full price wastefully. And diarise the end date of the contract so you can exit or renegotiate then.
• Subscription Creep (Having Too Many of the Same Type): This is a subtle trap: signing up for multiple services that fulfill the same need. Like having five streaming services but realistically you don’t have time to watch enough to justify them all. Or subscribing to two similar software tools because you forgot to cancel the old one when switching to a new one. Avoidance: Periodically consolidate. Pick the one or two services in each category that you get the most value from, and cancel the rest. For example, if you have Spotify, Apple Music, and Amazon Music, decide on one primary music app and ditch the others (or at least drop to free tiers). Similarly, if you’re paying for both Google Drive and Dropbox and OneDrive storage, see if you can move everything to one and save money on the others.
• Sharing and Forgot to Split: Many of us share subscriptions with family or friends (sometimes officially via family plans, sometimes by just logging in on their devices). A trap here is one person ends up footing the whole bill for something they barely use. ING’s survey found 28% were paying for services that friends/family use but they themselves don’t​. Think of a scenario where you got a premium Netflix for 4 screens so your siblings could use it, but you hardly watch it – you’re essentially donating entertainment to them. Avoidance: Communicate! Either ask the others to pitch in (maybe each person PayIDs you a share each month) or if you’re okay treating them, that’s fine – but be conscious that you are paying for something you don’t use. If you need to save money, you might have to cut off the shared service. Perhaps downgrade to a cheaper plan that suits just you. True friends/family will understand if you explain you need to tighten your budget. Alternatively, you might all decide to rotate who pays each month or something fair.
• FOMO (Fear Of Missing Out): Some people keep subscriptions because “What if I want to watch that show/play that game/use that app next month?” – even if they aren’t currently using it. Companies exploit this by releasing new content regularly or offering “subscriber exclusive” perks. Avoidance: Remind yourself that you can always re-subscribe later. Services like Netflix or Game Pass don’t penalise you for leaving and coming back. It might feel nice to have everything available “just in case,” but that’s an expensive safety net. For rarely used services, it’s more cost-effective to subscribe only in the months you actively need them.

Being aware of these traps helps you break free from them. The key principle is active management – don’t let subscriptions run on inertia. You’re the boss of your money, and each subscription should earn its keep. Next, let’s see how much you stand to gain by cutting the dead weight.

How Much Can You Save by Cancelling Unused Subscriptions?

Ready for some motivation? Cutting out subscriptions you don’t use can lead to significant savings – and we’re not talking a couple of bucks, but potentially hundreds if not thousands per year, depending on your situation. Here are some eye-opening examples and statistics:

• Average Potential Savings – $670 per year: NAB’s analysis in 2024 found that Australians who trimmed their unused or unneeded subscriptions saved on average $56 a month – which is about $670 a year​. That’s like a bonus cash injection just from stopping paying for things you weren’t using anyway. Imagine what you could do with an extra $670: that’s a flight and hotel for a weekend getaway, or a decent boost to your emergency fund.
• Wasted Money Nationwide – $8 billion!: ING’s research indicated that across Australia, unused or forgotten subscriptions could be costing Aussies a whopping $8 billion annually​. On an individual level, as mentioned, they pegged it at around $1,261 per person per year in waste on average​. If you identify even half of what you’re wasting and cut it, you could save $600+ a year.
• Real-World Quick Wins: Think about common scenarios:
• If you cancel a $10/month streaming service you rarely use, that’s $120 in a year.
• Cancel a $60/month gym you haven’t attended in months: $720 saved per year (minus maybe a one-time cancellation fee, but you come out ahead after a couple months).
• Got a $15/month app subscription that slipped under the radar (e.g. that language app)? Cancelling saves $180/year.
• Dialing back from Netflix Premium ($25.99) to Standard ($18.99) because you don’t actually need 4K or four simultaneous streams saves $7/month – about $84/year​.
• Or downgrading Microsoft 365 Family to Personal saves ~$20/year now (and a whopping $50+ if you were paying the new $179 but only need Personal at $159)​.
• Cancelling Uber One at $9.99 when you’re not ordering much saves $120/year​.

These add up. Add two or three such moves and you easily cross $500/year in savings.

• Case Study – The “Everything” Cutter: Say an Australian named Alex does a thorough subscription cull. They cut 1 streaming service (-$15), 1 music service (-$12), pause HelloFresh for a few months (-$300 over those months), cancel a rarely-used cloud storage (-$4), and reduce their phone plan by removing an add-on (-$10). Individually these choices save $4 to $50 a month, but combined Alex finds they have an extra $100 in their account at month’s end. Over a year, that’s $1,200 back. It’s not an extreme scenario – many of us have similar opportunities.
• Less Quantifiable Benefits: Beyond the raw dollars, people report feeling relief and satisfaction from “decluttering” subscriptions. It’s one less thing on your plate to worry about (“Am I getting my money’s worth from X?”). It can also prevent accidental overdrafts – fewer auto-charges hitting your account unexpectedly. If you’re someone who occasionally uses PressPay or other short-term cash solutions, freeing up money by cancelling subs can reduce the need to borrow from your next paycheck. Essentially, you’re giving yourself a pay rise by eliminating waste.
• Put the Savings to Work: One way to really feel the benefit is to redirect the freed-up money towards a goal. For example, if you cancel $50/month of subs, set up an automatic transfer of $50/month into a savings account or towards a debt. You were already used to living without that $50 (it was going to subscriptions), so you won’t miss it – but now it’s building your wealth, not bolstering a company’s revenue. Over time, that could be the seed of an investment or the buffer that saves you in an emergency.

In short, cancelling unused subscriptions is one of the easiest “quick wins” in personal finance. Unlike trying to earn more money (which can be hard) or cutting necessary expenses (which can hurt), cutting a useless subscription has no downside – you lose nothing (you weren’t using it anyway) and you gain cash. It’s literally found money. Even cancelling a $5.99 subscription adds up to an extra $72 by end of the year, enough for a nice dinner out – or better yet, keep stacking those $72 decisions and watch your financial stress decrease.

Why Do We Keep Paying for Subscriptions We Don’t Use?

If you’ve ever looked at a long list of subscriptions and thought, “How on earth did I let this happen?”, you’re not alone – it’s a very common human experience. Several psychological and practical factors make subscriptions easy to start and hard to stop:

• Inertia and “Set-and-Forget” Syndrome: Subscriptions are often out-of-sight, out-of-mind. Once you sign up and put the payments on auto-pilot, it requires no further action to keep money flowing out. Our brains love the path of least resistance – if something is going to charge without us doing anything, we tend not to intervene. Cancelling, on the other hand, is an active step. So we continue the status quo, sometimes lazily, sometimes willfully ignoring it. Businesses know this and design services to fade into the background of your billing.
• Small Monthly Amounts Feel Insignificant: Paying $10 or $20 a month doesn’t trigger the same pain as a one-time $200 purchase, even though over time they equate. This is a known behavioral economics concept – the aggregated cost doesn’t register because it’s split into little bites. We rationalise, “Oh, it’s just $10, no big deal.” But five “just $10” subscriptions = $50/month = $600/year. If someone asked for $600 for a product upfront, you’d think hard about it! But $10 increments fly under the radar.
• Optimism and Intention: We often subscribe with the best of intentions. “I’ll use the gym thrice a week!”; “I need this language app because I’m definitely learning Spanish this year.” The commitment device of a subscription can even feel motivating at first. But when reality doesn’t match our plans, we face a psychological hurdle: cancelling feels like admitting defeat or that our plan failed. So we avoid cancelling in case we suddenly become the person who goes to the gym or uses that service. We keep it around as a security blanket for our aspirations. (Spoiler: if you haven’t used it in 6 months, future you probably won’t either – and that’s okay. You can always re-subscribe when you are ready to commit.)
• Fear of Missing Out (FOMO): Related to the above, FOMO keeps us paying “just in case.” What if a new season of my favorite show drops and I don’t have Netflix? (You could subscribe again then…). What if I cancel Spotify and have to endure ads? (There are other ways to get music, or you might find you listen less and that’s fine.) We sometimes overestimate how badly we need constant access. Companies fuel FOMO with tactics like exclusive content, limited offers, and reminders of “what you’ll lose” on cancellation screens.
• Sunk Cost Fallacy: This is the tendency to stick with something because we’ve already invested money (or time) in it, even if continuing to invest is not rational. For example, “I paid a joining fee for this club, so I hate to waste that by quitting,” or “I’ve already spent $200 on this MMO game subscription over the years, I might as well keep the character active.” In truth, that money is gone whether or not you keep paying – it shouldn’t factor into the decision to cancel, but psychologically it does. We also feel an attachment to things we’ve built up (like a digital collection in an app or game), which companies know – they want you to feel invested so you won’t leave. The antidote is to treat each future payment as a separate decision: would I buy this again this month knowing what I know now? If not, don’t let past spending trap you into more spending.
• Avoidance and “Bill Blindness”: Some people cope by not looking at their finances too closely. A survey found 42% of Aussies actively avoid monitoring for unwanted charges​– it’s a form of denial to reduce stress. Ironically, it causes more harm as those charges pile up. If money is tight, one might avoid checking accounts out of anxiety, which means subscriptions linger unnoticed. It’s a vicious cycle: the more you avoid, the more waste accumulates, the tighter money gets, and the more you want to stick your head in the sand. Breaking that cycle by facing the numbers is tough but rewarding – often you realise you can fix it (and cancel a bunch of things, which immediately relieves some money pressure).
• The Subscription “High” and Habit: Let’s admit it, subscribing can be fun initially. New service, new benefits, a feeling of modern convenience. Companies constantly market to us to try the “next cool thing” via subscription. It’s easy to get carried away during, say, lockdowns or holiday sales, signing up for multiple free trials or services to try out. It’s like digitally hoarding. Cancelling, on the other hand, doesn’t have an immediate tangible reward – it’s more like cleaning your closet. So we procrastinate the cleanup.
• Social Pressure or Family Needs: Perhaps you keep a subscription because your family uses it (even if you don’t), or all your friends are on a certain app. You might feel guilty cancelling the kids’ Disney+ even if they rarely watch it, just because you might have a family movie night sometime. Or you’re the one managing the shared Netflix and don’t want to let the group down. These are valid feelings, but remember you shouldn’t single-handedly bear costs that aren’t providing you value unless you truly want to gift that to others. There’s often a compromise (maybe others chip in, or you rotate who pays, etc.).

Tips to Overcome the Subscription Habit:

Now that we’ve psychoanalysed the situation, how do we break free?

• Face the Numbers: Knowledge really is power. Do that audit we described. Often seeing the total you spend per month on subscriptions written out is the wake-up call. It might shock or at least challenge you: “Am I really spending $150 a month on this stuff? That’s $1,800 a year!” That clarity can motivate change.
• Reframe Cancellation: Instead of viewing cancelling as losing something, view it as gaining savings. Flip the script: you’re not “giving up Stan”; you’re “gaining $17 a month for something else”. If it helps, have a positive goal for the saved money (like “this will go into my holiday fund” or “this will pay off my credit card”). Then cancellation feels like a win, not a loss.
• Try a Subscription Detox Challenge: Challenge yourself to go one month without a particular non-essential subscription. Cancel or pause it, and see if you truly miss it. For instance, skip Netflix for a month. You might find you happily fill your time with other content (or hobbies!), and you won’t be in a rush to resubscribe. Or maybe you do miss it – then you can always restart, knowing it’s worth the money to you. The point is to test your true needs.
• Use Gift Cards or Prepaid Options: This is a hack to introduce friction. For services like Netflix or App Store or Xbox, you can pay via gift card balance. If you load a fixed amount (say $50) and use that for the subscription, when it runs out, the sub will stop unless you top up. It forces a decision point. Some people do this intentionally to avoid continuous charging on their credit card.
• Limit Free Trials to one at a time: It’s easy to sign up for multiple free trials and then lose track. Discipline yourself to only trial one new service at a time. Cancel it before starting another. This prevents trial overlap confusion and the cascade of renewals.
• Leverage Technology: Let your tools do the remembering. Set recurring reminders to review subscriptions. Use calendar alerts for annual renewals. Enable notification emails from services (and actually read them). Some banks will send alerts for transactions over a certain amount – you could set a low threshold alert like $10, so you see every small subscription charge come through and it stays visible to you.
• Accountability Partner: If you have a spouse, partner, or friend you trust, review each other’s subscription lists and call out anything that seems like a waste. It’s like having a gym buddy – someone to keep you honest. You might even turn it into a friendly competition: who can save more by cancelling pointless subs?
• Consider Alternatives: Part of the reluctance to cancel is fear of losing the service’s benefit. Ask yourself, “Can I meet this need in a different (cheaper) way?” For example, instead of a $15/month audiobook subscription, could you use the local library’s free audiobooks app? Instead of a pricey fitness app, maybe free YouTube workouts suffice. If there’s a suitable alternative, that makes cancelling easier.

Remember, the goal is not to deprive yourself of things you truly love or need – it’s to cut out the dead weight so you can enjoy the things you value, guilt-free. When you consciously choose your subscriptions, each monthly charge feels like money well spent rather than an annoying leech.

PressPay Users: Why Smart Subscription Management Matters for Your Finances

If you’re a PressPay user (or just an everyday Aussie worker trying to stay on top of your money), managing subscriptions isn’t just about saving a few bucks – it can be a key part of maintaining financial stability and reducing money stress. PressPay’s mission is to help working Australians improve their financial wellness​​, and a big part of that is making sure your hard-earned cash isn’t slipping away on things that don’t improve your life.

By auditing and trimming your subscriptions:

• You free up extra cash each pay cycle. This means less reliance on short-term fixes to stretch your pay. For example, if cancelling unused subs saves you $100 this month, that’s $100 less you might need to borrow from next paycheck. PressPay gives people early access to wages for emergencies or important needs, but ideally you want to minimise using it for avoidable expenses like forgotten subscriptions.
• You can absorb shocks better. Life happens – maybe a car repair or a higher electricity bill pops up. If your budget isn’t bogged down by $100 worth of wasted subs, you have more buffer to handle these without financial stress. It’s essentially like giving yourself a raise or building a safety net. As PressPay users know, financial breathing room is invaluable in emergencies.
• Less “bill shock” on payday. Some PressPay users sync their wage access with upcoming bills. Subscriptions are sneaky bills that often hit around payday. By cancelling ones you don’t need, your payday becomes more your own money and not just a pass-through to companies. You might find you don’t need to draw from PressPay or dip into overdraft as often when you’re not over-subscribed.
• Empowerment and control. PressPay’s philosophy is about empowering individuals to take control of their financial lives​​. Going through your subscriptions and cutting the unnecessary ones is a simple but empowering act. It’s you telling your money where to go, rather than wondering where it went. That sense of control can motivate you to tackle other financial goals, like budgeting or saving – it’s a positive feedback loop.
• Focus on Value. By keeping only subscriptions that truly bring you value or joy, you ensure that your spending aligns with your priorities. Maybe you keep Spotify because music truly helps you daily (great!), and you cut the rest. PressPay’s financial wellness tips often stress mindful spending – paying attention to where each dollar goes. Subscriptions are a key area to apply that mindfulness.

In summary, smart subscription management helps everyone, but if you’re working hard to make ends meet, it’s especially important. It’s one of those small habit changes that can have a big impact on your monthly cash flow. PressPay users often are looking for ways to stretch their pay further – well, here’s one of the easiest ways: don’t pay for things you don’t use!

Final Thoughts: Take Charge of Your Subscriptions and Save

Subscription services can be fantastic – they offer convenience, entertainment, and flexibility that previous generations could only dream of. But as we’ve seen, they can also become a financial black hole if left unchecked. The Australian subscription landscape in 2025 is vast, from Netflix to gym memberships to apps for meditation, and it’s easy to get caught in the current. The key is to be deliberate: subscribe to what improves your life, cancel what doesn’t.

Doing a regular “subscription spring clean” is a healthy habit. Many Aussies are already catching on – 55% planned some form of financial spring clean to trim excess expenses in the year​, with entertainment subscriptions being a top target. Join that trend and give yourself permission to change your mind about services – what was useful last year might not be needed this year.

Remember that every dollar you save on a wasted subscription is a dollar that can go towards something more meaningful – whether that’s paying off debt, building up savings, treating yourself to a nice meal, or investing in your future. It’s about spending with intention. As consumers, we’re moving towards a world of personalised, pick-and-mix services. That’s great, as long as you remain the boss of your own subscriptions.

So, grab a notebook or open that budgeting app, list out those subs, and start cancelling or downgrading the ones that no longer make the cut. It might feel a bit odd at first (we often get oddly attached to subscriptions even if we don’t use them), but once you do it, you’ll likely feel lighter. Your bank balance certainly will!

Empower yourself to only pay for what you truly need or adore. By doing so, you ensure that subscriptions remain a positive convenience in your life and not a silent budget killer. And if you need a little help along the way – whether that’s a financial buffer like PressPay for when times are tight or just revisiting this guide for motivation – know that these tools and tips are here to support your financial wellbeing.

Happy saving, and here’s to a leaner, more value-packed subscription list for the rest of 2025 and beyond! Your future self (and your bank account) will thank you.​​

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