The first rule of subscriptions is to always use the same payment method for all of them, or use one that ultimately takes the money from the same account and shows up on that account’s statement. This is all free, even when you decide to cancel one or all of them.

Sometimes it can be harder to cancel a free trial than a recurring subscription, but with one exception, it was quite easy for me, and it shouldn't cost money. Putting trials on a card I could block helped me with the trial that refused to cancel.

Lowering bills does take some work, and usually means shopping for the best service for the best price, but it still costs nothing. Many utilities don’t have choices, and there's not much to be done for groceries these days except cash back and things like that.

Still, none of this should cost money. It sure makes gobs of sense to pay a bill to lower bills, or the other new trend, paying yet another bill for what is essentially a savings account. I see lots of these now as well.