Digital news sites, software tools and shopping memberships often bill once a year, which makes them especially easy to forget. A yearly charge doesn't build the same habit of noticing that a monthly bill does, and it may renew long after you stopped using the service.

Think about the memberships you bought for a specific purpose, such as editing software for a single project, a premium account on a job site or a shopping membership for faster shipping during the holidays. Ask whether each one still earns its keep based on how you use it today.

Many of these services offer cheaper tiers, student or senior rates, or discounts if you're about to cancel. If you still want the service, it can be worth contacting customer support to ask about a lower price. If you don't, turn off auto-renew now so you won't have to remember when renewal comes around.