Go through two months of statements and write every charge that repeats: streaming, apps, memberships, boxes, cloud storage, news, and free trials that became paid. Next to each one, note the last time you used it. Cancel the ones you cannot remember opening.
Do this four times a year. New trials appear, and old ones creep back. Cancelling is only a saving if the money is moved to savings. Otherwise it fills the gap and disappears into other spending.
Start this week
Search your statement for the words “renew” and for any charge under 20 that repeats. Cancel one you have not used in a month, and transfer that amount to savings.