That free wellness-coach trial you signed up for (and forgot to cancel). The credit-monitoring service you keep meaning to ditch. The gym membership gathering dust. That monthly beauty box you’re no longer into. Sure, no single subscription or membership is going to break your monthly budget, but in sum those commitments can quickly hit triple digits each month. These “gray charges” (as they’re known in the industry) may collectively be costing us $14 billion a year. You can zap those recurring charges by periodically reviewing your financial statements or outsourcing the task to a free, AI-powered app, like Trim or Truebill. Both securely sync to your bank and credit card accounts; Trim sends you a text message listing your recurring charges each month, then cancels any unwanted subscriptions on your behalf. – Emily Guy Birken,