The Pat Kenny Show How many subscriptions do you have?
Nov 25, 2025
Kel Gallivan, also known as Mrs Smart Money, is a personal finance commentator who shares practical advice on managing subscriptions. She reveals that many people pay for services they never use, urging listeners to audit their subscriptions. Kel highlights how free trials can trap users through psychological commitment and stresses the importance of identifying value in what you pay for. She offers tips for rotating services to save money and reassures that rejoining old subscriptions is often hassle-free.
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Subscriptions Grew Rapidly And Trap Users
- Subscription culture exploded in roughly the last decade driven by new services and online business models.
- Free trials and psychological commitment bias make cancellations harder than they appear.
Forgetting To Cancel After One Show
- Kel Gallivan describes keeping Apple TV after watching a show and forgetting to cancel the service.
- She uses that example to show how easy it is to keep paying for rarely used streaming subscriptions.
Audit Subscriptions With Three Months' Statements
- Get three months of bank statements and list every subscription with its annual cost to see true expense.
- Cancel services you don't use or rotate streaming subscriptions to cut costs immediately.