As we head into the last few months of the year, October is the ideal time to do a quick financial checkup—starting with your recurring expenses.

Between streaming services, app subscriptions, memberships, and auto-renewals, it’s easy to lose track of what’s quietly hitting your bank account each month.

Start by reviewing your statements or opening your phone’s app store to see what’s set to renew soon. Be honest about what you’re still using (and loving) versus what could be paused or canceled. Even small cuts—$10 here, $15 there—can add up to meaningful savings when you redirect that money toward something intentional, like your holiday budget (😉stay tuned for next month’s tip!) or an emergency fund.

This quick reset not only frees up cash but also helps you stay mindful of your spending habits as the year winds down. A few smart cancellations now can make your finances feel lighter and more aligned with your goals—just in time for the busy season ahead!