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  • Save Money on Your Subscriptions with These 5 Tips

    15 July 2022


    Save Money on Your Subscriptions with These 5 Tips

    Everyone knows how difficult saving can be. Especially now that we’re in the middle of a global pandemic, it can become a tough task to keep your wallet happy. You may even find the idea of saving money right now as a pipe dream.

    However, you don’t have to look far to make your funds go further. And the answer may have been in your hands all along! We’re talking about your monthly subscriptions.

    Online subscription services have risen in popularity over the past couple of years, but they can siphon more money out of your bank account than you realize.

    If you want to learn how to save money, knowing how to take care of your subscriptions is a great place to start. This piece will offer you superb guidance in this department, as we will provide you with five tips that can help you take better control of your subscriptions.

    Your savings plan will thank you for this, so make sure to read until the end!

    1.   Make a tracker of your active subscriptions

    One of the biggest draws—and flaws—depending on who you ask is how easy it is to subscribe to online services and then forget about them. The sign-up process has been streamlined to the point that a few clicks and taps will immediately enroll your bank account to pay for a service you may not want in the first place.

    Since subscription fees can easily balloon without your knowledge, it’s in your best interests to create a tracker for all the active subscriptions you’re paying. A quick Excel file that details your subscriptions and how much you’re paying monthly will do the trick, but you can also make it as thorough as you want.

    Having a tracker gives you a clear picture of how much of your hard-earned cash goes to various subscriptions. It also forces you to seriously think before adding another subscription to the list.

    2.   Cancel subscriptions you can live without

    Once you have a full understanding of your subscription situation, it’s time to seriously investigate the subscriptions you’ve made. If you think you’re spending too much money on your online subscriptions, then it’s time to let some of them go.

    It may sound nonsensical at first, but the financial burden that some of these redundant services provide doesn’t make it worth retaining them. For example, you may have a running subscription to Netflix, iFlix, Amazon Prime Video, and YouTube Premium. All of them offer quality streaming services, and it’s impossible to be able to use all of them.

    Seriously think about how much time you spend with these streaming services and identify which service you don’t use that much. Cancel your subscription from the service you’ve identified, and you’ll immediately notice the change in your next monthly billing.

    3.   Check for cheaper or free alternatives

    That one subscription service you’re paying a lot of money for may be worth its weight in gold, but that doesn’t mean they’re the alpha and the omega. Simply put, there are cheaper alternatives that can provide exactly what you’re looking for without costing that much.

    For example, many Filipinos may prefer a particular streaming service, but the monthly costs of maintaining a decent package with your provider may not be an investment you’re willing to make. Fortunately, the Streaming Wars brought plenty of competition to keep the juggernauts on their toes.

    Of course, you should know better than to blindly jump ship to a service you aren’t familiar with. Do your research and ensure that the company meets your standards.

    4.   Take advantage of family plans

    Many online subscription services understand how many Filipinos are hesitant to subscribe due to unreasonable fees. This fear is why family plans have been introduced. Not only does it help you save money but it also lets you bond with your family over similar passions.

    The trouble now lies in finding people to get a family plan with. This usually isn’t a problem since many subscription services have something for everyone. But in the unlikely case you don’t have any immediate family to share it with, you can always share it with your friends (as long as it’s within the rules on account sharing for your chosen service).

    5.   Use an app to manage your subscriptions

    Even though you try to be meticulous with your subscriptions, it wouldn’t hurt to at least have something to help you get your subscriptions sorted. The easiest way to achieve this is by installing a specialized app that can track your subscription apps.

    These subscription managers come with an interface that is easy to navigate while also making your subscriptions easy to follow. If you want to have a better picture of what these apps can do to help you sort your finances, read this piece.

    Subscribe to a Better Financial Standing

    Taking care of your wallet takes a lot more than just compartmentalizing your earnings. Knowing when and how to take control of your subscriptions can save you more than you imagine. We hope that these tips can help you do just that as we all try to recover from the pandemic.

    Another way to secure your financial future is to invest in the right things. Talk to our experts at BPI AIA to see how our savings plans can help you create a decent fund to prepare you for any rainy day.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

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