Subscription Creep Priced: How Much a Statement Audit Recovers, and How Often It Must Run to Be Worth Its Time

Subscriptions are designed to be forgotten: the payment is small, automatic, and attached to a service whose use fades months before the charge does. This paper simulates a household holding eleven subscriptions, each with a 3.5% monthly chance of lapsing into disuse while payment continues at a mean of USD 13.40, new subscriptions arriving at 0.55 a month, and prices the remedy — a periodic statement audit that cancels everything found forgotten, costing USD 12 of time. With no audits, expected spending on forgotten subscriptions reaches USD 10069.21 a year. Auditing every six months reduces that to USD 299.24 at a time cost of USD 24.00, the best total in the table at USD 323.24; quarterly auditing totals USD 219.11 and annual auditing USD 568.64. The study is simulated, not measured. SIMULATED, NOT MEASURED.

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Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-11-11
DOI
https://doi.org/10.5281/zenodo.24121879
Primary Topic
Financial Literacy, Pension, Retirement Analysis
Type
article
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article

Subscription Creep Priced: How Much a Statement Audit Recovers, and How Often It Must Run to Be Worth Its Time

William Alexander Aldred
Zenodo (CERN European Organization for Nuclear Research)
Financial Literacy, Pension, Retirement Analysis
article

Subscription Creep Priced: How Much a Statement Audit Recovers, and How Often It Must Run to Be Worth Its Time

William Alexander Aldred
article en

Abstract

Subscriptions are designed to be forgotten: the payment is small, automatic, and attached to a service whose use fades months before the charge does. This paper simulates a household holding eleven subscriptions, each with a 3.5% monthly chance of lapsing into disuse while payment continues at a mean of USD 13.40, new subscriptions arriving at 0.55 a month, and prices the remedy — a periodic statement audit that cancels everything found forgotten, costing USD 12 of time. With no audits, expected spending on forgotten subscriptions reaches USD 10069.21 a year. Auditing every six months reduces that to USD 299.24 at a time cost of USD 24.00, the best total in the table at USD 323.24; quarterly auditing totals USD 219.11 and annual auditing USD 568.64. The study is simulated, not measured. SIMULATED, NOT MEASURED.

Zenodo (CERN European Organization for Nuclear Research)
Financial Literacy, Pension, Retirement Analysis
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