The average American is spending more than $2,600 a year on subscriptions - often three times what they think. Here are the 10 to cut first.

1. Stacked Streaming Services The typical household pays for four streaming services, totaling $69 a month. With Netflix hitting $26.99 for premium and others raising prices throughout 2025, it's time to rotate. Keep one or two services; subscribe to others only when you have time to binge.

2. AI Subscription Stacking Premium AI tools like ChatGPT Plus, Claude Pro, and Perplexity Pro all cost around $20 a month. Power users often pay for three or more but only use one. Pick one; use the free tiers for the rest.

3. Cable and Internet Equipment Rentals Renting a modem or router costs $10 to $15 a month - enough to buy your own in a year. Call your provider to see what you need and buy it outright.

4. Unused Gym Memberships Two-thirds of gym memberships go largely unused, costing Americans $397 million a year. If you haven't visited eight times in the past three months, cancel.

5. Cloud Storage You Don't Need Thirty minutes of deleting junk photos and old attachments can drop you back under the free tier, saving $36 to $120 a year.

6. Paid Credit Monitoring Why pay $15 to $30 a month for something you can get for free? Credit Karma, Credit Sesame, and many credit cards offer free monitoring.

7. Identity Theft Protection A credit freeze is free, federally protected, and far more effective than a $10 to $30 monthly service. Freeze your credit at Equifax, Experian, and TransUnion, then cancel.

8. Premium App Tiers Spotify Premium, YouTube Premium, and similar services cost $5 to $20 a month. Ask yourself: Would you miss the premium features? If not, downgrade to free.

9. Subscription Boxes You've Outgrown Wine, beauty, snack, or meal kit boxes - if you can't remember what was in the last one, the novelty has worn off. Cancel.

10. Unread Magazines and Newsletters If you don't open them more than once a month, cancel. Use your library card for free access through apps like Libby.

The 30-Minute Audit Pull your last three months of statements. For each recurring charge, ask: “Did I use this in the last 30 days? Would I miss it?” If no to either, cancel immediately. Expect friction - the FTC's “Click to Cancel” rule was killed in July 2025. Keep records.

The typical household frees up $600 to $1,800 a year doing this.