Subscription Cull + Haggle Hour

Many people leak money through the “set and forget” process that subscriptions create. Plug the leaks, then look to renegotiate with those that you’re keeping.

Step 1: Annualise it

Take a quick scroll through your banking app to find those recurring charges. Multiply each by 12, and double-check your actual spend. Seeing the yearly total may help you make your decisions more clearly.

Step 2: Keep / downgrade / cancel

Separate the charges into three categories.

Keep: genuine daily value or essential cover.

Downgrade: move to a lighter tier or shared/family plan.

Cancel: anything you wouldn’t pay for upfront in one go.

Step 3: Run a Haggle Hour

Block one hour. Call your telco, insurer, power provider and any platform you kept. Use this script:

“Hi, I’m reviewing costs for the new year. I’m a loyal customer paying $X/month. Are there any sharper plans or retention offers that would suit my usage? If not, I’ll need to compare elsewhere.”

Have a competitor’s public offer on screen. Be polite, firm, and ready to switch.

Step 4: Set a quarterly reminder

Deals expire. Revisit this process in three months; it gets faster every time.

Trim my costs

If you’re also juggling multiple debts, run an indicative repayment check to see what a tidy-up could look like. A debt-consolidation loan could reduce your repayments or simplify your outgoings.

Approval subject to responsible lending inquiries and affordability assessment. Normal lending criteria and fees apply. This is general information, not personalised financial advice.