Cancel it, or get it lowered.

Cancelling any subscription

1. Find who bills you. The charge on your statement names the company. If it says Apple, Google Play, Amazon or PayPal, the subscription is managed there, not on the service’s own site (see those guides below).
2. Sign in on a web browser, not the app. Cancel buttons are often missing from apps.
3. Open Account or Settings, then Subscription, Membership, Billing or Plan. The cancel link is usually at the bottom of that page.
4. Expect a “stay” offer: a discount, a pause, or “are you sure?” screens. You can take a discount if you want the service; otherwise keep clicking through to the final confirmation.
5. Screenshot the confirmation page or save the email. The confirmation is your proof if a charge appears again.
6. Check your next statement. If the charge is still there, reply to the confirmation email, or dispute it with your card issuer with the screenshot attached.

Can’t find where it’s billed? Search your email for the company name plus “receipt”. The receipt names the biller.

Netflix

1. Sign in at netflix.com and open Account (your profile icon, top right).
2. Under Membership & Billing, choose “Cancel Membership”, then “Finish Cancellation”.
3. Billed through another company (Apple, Google, a phone or cable bundle)? Cancel it there; Netflix will say so on the Account page.

You keep access until the end of the current billing period. Netflix keeps your profiles for 10 months if you come back.

Spotify

1. Sign in at spotify.com/account on a web browser (you can’t cancel in the app).
2. Open “Manage your subscription”, then “Cancel Premium”, and confirm through the screens.
3. Subscribed through Apple? Cancel in your iPhone Settings instead (see Apple below).

Premium runs until the next billing date, then the account drops to the free plan.

Amazon Prime

1. Sign in at amazon.com, open Account & Lists, then “Prime Membership” (or “Manage Your Prime Membership”).
2. Choose “Update, cancel and more”, then “End membership”, and confirm through the reminder screens.
3. On a free trial? The same path ends the trial so it doesn’t convert.

If you haven’t used any Prime benefits in the period you paid for, Amazon says it refunds the fee; a partial refund is sometimes offered otherwise. Prime Video Channels (like Paramount+ added through Prime) are cancelled separately under “Your Memberships & Subscriptions”.

Hulu

1. Sign in at hulu.com/account on a web browser.
2. Under “Your Subscription”, choose “Cancel”, then “Continue to Cancel” through the offers.
3. Hulu in a Disney Bundle, or billed through Disney+, Spotify, Verizon or Apple? Cancel it with that company.

Access continues until the end of the billing period. The offer screens may include a pause option if you only want a break.

Disney+

1. Sign in at disneyplus.com, open your profile, then Account.
2. Under Subscription, choose the plan, then “Cancel Subscription”, and confirm.
3. Billed through Apple, Google, Amazon, Hulu or a phone carrier? Cancel it there.

Access runs to the end of the period. Bundles (Disney+, Hulu, ESPN) cancel as one.

Max (HBO)

1. Sign in at max.com, open your profile, then Settings, then Subscription.
2. Choose “Manage Subscription”, then “Cancel Subscription”, and confirm.
3. Billed through Apple, Google, Amazon Prime Video Channels, Roku or a cable provider? Cancel it with that company; Max will name it on the Subscription page.

Access runs to the end of the period.

Paramount+

1. Sign in at paramountplus.com, open your profile, then Account.
2. Under Subscription & Billing, choose “Cancel Subscription” and confirm through the offer screens.
3. Billed through Apple, Google, Amazon, Roku or Walmart+? Cancel it there.

Access runs to the end of the period.

Peacock

1. Sign in at peacocktv.com/account on a web browser.
2. Under Plans & Payment, choose “Change plan”, then “Cancel plan” (it drops to the free tier), and confirm.
3. Billed through Apple, Google, Roku, Xfinity or another provider? Cancel it with that company.

Paid features stop at the end of the period.

Apple subscriptions (iPhone, iPad, Mac, iCloud+, Apple One)

1. On an iPhone or iPad: Settings, tap your name, then Subscriptions.
2. Tap the subscription, then “Cancel Subscription” (or “Cancel Free Trial”), and confirm.
3. On a Mac: App Store, click your name, then Account Settings, then Manage next to Subscriptions.
4. iCloud+ storage: Settings, your name, iCloud, Manage Account Storage, Change Storage Plan, then Downgrade Options.

Anything billed by Apple (it shows as APPLE.COM/BILL on statements) is cancelled here, never on the app’s own site. Access runs until the end of the period.

Google Play subscriptions (Android)

1. Open the Google Play app, tap your profile picture, then Payments & subscriptions, then Subscriptions.
2. Tap the subscription, then “Cancel subscription”, and confirm.
3. On a computer: play.google.com, then Subscriptions in the left menu.

Charges show as GOOGLE *name on statements. Access runs until the end of the period.

YouTube Premium and YouTube TV

1. On a web browser, open youtube.com/paid_memberships (Premium) or tv.youtube.com/settings/membership (YouTube TV).
2. Choose “Deactivate” or “Cancel membership”, pick a reason, and confirm. Both offer a pause instead.
3. Subscribed through Apple? Cancel in iPhone Settings instead.

Access runs until the end of the period. YouTube TV lets you pause for up to 6 months.

Gyms (Planet Fitness, LA Fitness, 24 Hour Fitness, Anytime Fitness, local gyms)

1. Read your membership agreement for the notice period (often 30 days) and the cancellation method. Many gyms still require written notice, in person or by certified mail; some accept online cancellation on their member site.
2. Planet Fitness: cancel in person at your home club, by certified mail to the club, or online through your account on planetfitness.com where offered. Check whether an annual fee is about to post; cancel before that date.
3. LA Fitness: online through your account (Cancellation form) or by mail to the address on the form; print the confirmation.
4. 24 Hour Fitness: online through your account or by calling member services.
5. Anytime Fitness: contact your home club directly; agreements are set per club.
6. Moving or a medical reason? Many agreements allow cancellation without the usual notice. Say so in writing.

Several US states give you the right to cancel a gym contract by mail or online. If a gym makes it unreasonably hard, your state attorney general’s consumer office takes complaints. Keep a copy of everything you send.

Peloton

1. All-Access (hardware) membership: sign in at onepeloton.com, open Account, then Subscriptions, then Manage, and choose “Pause” or “Cancel”.
2. App membership billed by Peloton: same path. Billed through Apple or Google? Cancel there.

Pausing (1 to 3 months) keeps your history if you only want a break.

Audible

1. Sign in at audible.com on a web browser (the app has no cancel option), open Account Details.
2. Choose “Cancel membership” under your plan, then click through the offers to confirm.

You keep the audiobooks you’ve already bought with credits. Unused credits are lost when you cancel, so use them first.

Newspapers (New York Times, Washington Post, Wall Street Journal, local papers)

1. New York Times: sign in at nytimes.com, open Account, then Subscription, then “Cancel subscription”; or chat with customer care on the site. The Times offers online cancellation in the US.
2. Washington Post: Account, then Subscription, then “Cancel”; or call customer care.
3. Wall Street Journal: call customer service (listed on the site under Help) or chat; online cancellation is limited.
4. Local papers: look for Manage Subscription under your account, then call if there is no cancel button.

Introductory rates (like $1 a week) usually jump after the first year. If you want to keep reading, asking for the introductory rate again when it ends often gets a new offer; no guarantee.

Adobe (Creative Cloud, Acrobat, Photoshop)

1. Sign in at account.adobe.com, open Plans, then “Manage plan”, then “Cancel plan”, and follow the screens.
2. Check which plan you have first. Annual plans billed monthly charge an early-termination fee (half of the remaining months) if you cancel after the first 14 days.

If the fee applies, it is often cheaper to switch to the cheaper annual plan or wait for the renewal date, which the Plans page shows. The 14-day window after a purchase or renewal is fee-free.

Microsoft 365

1. Sign in at account.microsoft.com/services, find Microsoft 365, then “Manage”, then “Cancel subscription”, and confirm.
2. If you only want to stop renewing, “Turn off recurring billing” on the same page keeps the current period.

Files in OneDrive stay available to read after the storage drops; you may need to clear space to add more.

Xbox Game Pass

1. Sign in at account.microsoft.com/services, find the Game Pass plan, then “Manage”, then “Cancel subscription” or “Turn off recurring billing”.

Turning off recurring billing lets the paid time run out without another charge.

PlayStation Plus

1. On a web browser: sign in at playstation.com, open Account Settings, then Subscription, then “Turn Off Auto-Renew”.
2. On a PS5: Settings, Users and Accounts, Account, Payment and Subscriptions, Subscriptions, then PlayStation Plus, then Turn Off Auto-Renew.

Your plan runs to the end of the period and then stops.

Delivery passes (DoorDash DashPass, Uber One, Instacart+)

1. DashPass: in the DoorDash app, open Account, then “Manage DashPass”, then “End Subscription”. On the web: doordash.com, Account, DashPass.
2. Uber One: in the Uber or Uber Eats app, open Account, then Uber One, then “Manage membership”, then “End membership”.
3. Instacart+: in the app or site, open Account, then Instacart+, then “Cancel membership”.
4. Billed through a credit card perk (like a bank-provided DashPass)? It ends with that card’s offer; check the card’s benefits page.

Two delivery passes rarely pay for themselves together. Keep the one you use most weeks, if either.

Walmart+

1. Sign in at walmart.com, open Account, then “Walmart+”, then “Manage membership”, then “Cancel Walmart+”, and confirm.

Benefits (including Paramount+ Essential if included) stop at the end of the period.

Lower your internet bill

Call the number on your bill. Expect a 20 to 40 minute call with a transfer to “retention” or “loyalty”. Have your current price, your speed, and one competitor’s advertised price for your address ready (check the competitor’s site with your address first).

What to say

1. “Hi, I’m calling about my bill. I’ve been a customer for [X] years and my price has gone up to [$X]. I’d like to find out what you can do to bring it down.”
2. If offered nothing: “Could you transfer me to the retention or loyalty team? I’m looking at [competitor] at [$X] for the same speed and I’d rather stay with you if the price works.”
3. If offered a promotion: “How long does that rate last, and what does it go to after? Is there a contract or an early-termination fee?”
4. If the speed is more than you need: “What’s the price for the [lower] tier? We mostly stream and work from home, so [100 to 300 Mbps] is enough.”
5. Before you hang up: “Can you confirm the new monthly total including fees and equipment, and email me the confirmation?”

Also check: equipment rental fees (buying your own modem can remove a monthly fee), and the federal Lifeline program or your provider’s low-income plan if your household qualifies. If nothing moves, switching providers is the strongest lever; the retention offer often appears when you call to cancel.

Lower your phone bill

Call or use the carrier’s chat. Pull up your last three bills first to see how much data you actually use.

What to say

1. “I’m paying [$X] a month and I’d like to see if there’s a cheaper plan that fits how I use it. I use about [X] GB a month.”
2. “Are there any loyalty, autopay or paperless discounts I’m not getting?”
3. If you’re on an unlimited plan but use little data: “What would a [limited or prepaid] plan cost for the same lines?”
4. If you’re out of contract: “My phone is paid off. I’m comparing [Mint, Visible, US Mobile, Cricket, or your carrier’s own prepaid brand] at [$X]. Can you match that or get close?”
5. Before you hang up: “Please confirm the new monthly total including taxes and fees, and send me the confirmation.”

Prepaid brands owned by the big three carriers (Visible, Cricket, Metro, and others) use the same networks for less, with fewer perks. Check that your phone is unlocked before switching.

Lower car or home insurance

Insurance is best lowered by comparing quotes rather than by negotiating. Get two or three quotes from other insurers (or an independent agent) for the same coverage, then call your current insurer.

What to say

1. “I’m renewing on [date] at [$X]. I’ve had quotes at [$X] for the same coverage. Can you review my policy for discounts or re-rate it so I can stay?”
2. “Which discounts am I missing? Bundling, paying in full, defensive driving course, low mileage, good student, home security, new roof, claims-free, telematics?”
3. “What would my premium be with a [higher] deductible, say $1,000 instead of $500?” (Only do this if you can cover the deductible from savings.)
4. For an older car: “What does collision and comprehensive cost on this car? If the car is worth less than a few years of that, I may drop them.”
5. Before you hang up: “Please send me the updated declarations page so I can see the coverage and the new premium in writing.”

Never cut liability coverage to save money; that is the part that protects you. Comparing quotes every year or two is the single most reliable way to keep premiums down, and this guide can’t promise any particular result.

Getting your statement as a CSV file

For the statement upload on your members page. You download the file from your own bank; MoneyWarden never connects to it. One month at a time is plenty.

Open the file once before uploading. If it has a header row like Date, Description, Amount, it’s right. Account and card numbers are removed in your browser before anything is sent.