Decision #003
Edition 003
Unused Subscriptions > Monthly Ownership
$74
Amount at stake
- The decision
- Six recurring charges, four of which I could not remember using in the last ninety days.
- The pause
- Small numbers hide. $74 a month reads like nothing and spends like $888 a year.
- The ownership alternative
- Cancelled four, kept two, automated $74 a month into ownership on the same day the charges used to hit.
- What I did
- Cancelled four subscriptions. Set up an automatic monthly contribution.
- The lesson
- Recurring consumption is the easiest thing to convert. The money was already leaving — I just changed the destination.
If it stays owned
$74 left alone at a 7% average annual return. Illustrative only — not a projection or a promise.
5 years
$104
10 years
$146
20 years
$286
30 years
$563