The Hidden Cost of Subscription Creep: How to Take Back Control of Your Finances | EP 22

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In this episode of the Make It Personal Podcast, host Mark Zagurski takes a lighthearted but impactful look at a growing financial trap many of us fall into: subscription creep. With humor, a nod to classic Gen X TV, and real-world data, Mark explores how small, recurring charges, whether for streaming services, news sites, or monthly deliveries, quietly drain your wallet over time. According to recent studies, the average American spends over $200 a month on subscriptions, often underestimating by $100 or more.

Mark connects this to the broader theme of personal finance, reminding listeners that financial discipline starts with awareness. He shares simple, actionable strategies for auditing your subscriptions, canceling unused services, and reallocating that money toward your long-term goals. Highlighting insights from Dr. Benjamin Hardy’s Be Your Future Self Now and Atomic Habits by James Clear, Mark emphasizes that small daily decisions, like canceling an unused $10 subscription, can snowball into significant financial gains.

Key takeaways:

• Subscription creep is a real financial drain, most people underestimate what they’re spending by a wide margin.
  

• Averages show Americans spend $219/month on subscriptions; small changes can add up to big savings.
  

• Regularly auditing your subscriptions can free up funds for saving, investing, or paying down debt.
  

• Apps like Rocket Money can help identify hidden subscriptions (though manual reviews are still key).
  

• The principle of “1% better every day” applies: simple steps like swapping out a daily coffee purchase can build long-term wealth.
  

• Canceling unused subscriptions and redirecting those savings can be a simple first step toward achieving your bigger financial goals.
  

Ready to tighten up your finances? Download our free eBook or schedule a no-obligation consultation at www.makeitpersonalpodcast.com. Don’t just let small leaks sink your financial ship—make it personal!

“The subscription economy thrives on convenience—but convenience without awareness can cost you.” - Mark Zagurski

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