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Readers: 5 | Updated: 06-06

Do Subscriptions Really Save You Money? [Ask The Readers]

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Personal finance blogger Ramit Sethi calls out what he sees as the expensive self-delusion of subscriptions at his I Will Teach You To Be Rich blog. Sethi says we over-estimate how much we really get from monthly memberships, so he suggests, among other ideas:

Instead of paying for a ton of channels you never watch on cable, buy only the episodes you watch for $1.99 each off iTunes.

Buy a day pass for the gym each time you go (around $5-$10).

Buy songs as you want them for $0.99 each from Amazon or iTunes

His basic point is that you'll often pay less per use, or you'll think more about the worth of something if you have to physically make a transaction. How do you decide which subscriptions are more valuable than a la carte purchases? Which subscriptions have you happily dropped, and which make the cut? Let's hear your own take on managing monthly payments in the comments. Photo by thebluedino.

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