Credit monitoring: Free If you're paying Experian, TransUnion or a third-party app for credit monitoring, stop. Federal law gives you free weekly credit reports at AnnualCreditReport.com. Most major banks and credit cards (Chase, Capital One, Discover) include free credit score tracking built right into their app. You're paying $10 to $30 a month for something your credit card already does. Do you pay for your credit report?

Microsoft Office: Probably free That $100/year Microsoft 365 subscription? If you're using it for Word, Excel and PowerPoint, Google Docs, Sheets and Slides do the same thing for zero dollars. If you need actual Microsoft apps, the free web versions at Office.com work for 90% of people. Unless you're running a business on complex spreadsheets, you don't need the paid version. You can also get Microsoft-Office-like software for free at openoffice.org. I've used it for years. Do you pay for Microsoft Office?

Audiobooks and magazines: Free Paying $15 a month for Audible? Download the Libby app. It connects to your local library and gives you free audiobooks, ebooks and digital magazines. Same bestsellers. Same narrators. Zero dollars. Don't have a library card? Most libraries let you sign up online in about two minutes. That's $180 a year for a service your tax dollars already paid for. Do you use your library card to borrow these for free?

Roadside assistance: In your wallet Paying $100+ a year for AAA? Check your auto insurance policy first. Many include roadside assistance. So do credit cards like American Express and some Visa Signature cards. You might be triple-covered and paying for two of them. Are you paying unneccesarily for roadside assistance?

Extended warranties: Same story That protection plan you added at checkout on Amazon? You might not need it. If you bought the item with a Visa, Mastercard or Amex, your card likely doubles the manufacturer's warranty for free. Go to amazon.com/orders and search "Asurion" to see every protection plan you've bought. Cancel the ones your credit card already covers. That's $15 a month you can get back starting today. Do you pay for extended warranties?

Apps you upgraded: Didn't need to--- Check your App Store subscriptions right now. iPhone: Settings > [your name] > Subscriptions. Android: Google Play > Payments & subscriptions. I guarantee you'll find at least one app you're paying a premium for when the free version does everything you need. Weather apps, photo editors and note-taking apps are the usual suspects. Do you need to check your apps?