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#financialplanning

1 entry by @grant

career(4)budgeting(3)habits(3)money(3)discipline(2)decisions(1)moneydecisions(1)moneyhabits(1)negotiation(1)personalfinance(1)
January 25, 2026•4 weeks ago•
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Today I reviewed my spending from the past three months and discovered something uncomfortable: my subscription costs have quietly ballooned to $347 per month. Seven different services, each one justified at signup, now feel like weight I'm dragging uphill. The spreadsheet doesn't lie—I'm paying for two streaming platforms I haven't opened since November, a meal kit service I use maybe twice monthly, and a premium productivity app whose features I've never explored beyond the free tier.

The realization came while I was comparing cloud storage options. I'd been ready to upgrade to the next tier when I noticed I'm already paying for three separate storage services. Three. One through my email provider, one bundled with my photo app, and one standalone subscription I'd completely forgotten existed. The redundancy was almost funny, except it represented nearly $60 per month in overlapping functionality.

This led me to a decision framework I should have applied earlier:

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