{"id":3320,"date":"2017-12-19T11:30:27","date_gmt":"2017-12-19T03:30:27","guid":{"rendered":"http:\/\/ringgitohringgit.com\/?p=3320"},"modified":"2022-04-07T10:29:22","modified_gmt":"2022-04-07T02:29:22","slug":"subscriptions-i-pay-for","status":"publish","type":"post","link":"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/","title":{"rendered":"What Subscriptions I Pay For And Why"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Monthly_subscriptions_I_pay_for\" >Monthly subscriptions I pay for<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Necessity_%E2%80%93_ongoing\" >Necessity &#8211; ongoing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Necessity_%E2%80%93_until_final_payment_date\" >Necessity &#8211; until final payment date<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#YearlyAnnual_subscriptions_I_pay_for\" >Yearly\/Annual subscriptions I pay for<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Necessity_%E2%80%93_ongoing-2\" >Necessity &#8211; ongoing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Optional_%E2%80%93_consider_to_cancel\" >Optional &#8211; consider to cancel<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Subscriptions_Ive_cancelled\" >Subscriptions I&#8217;ve cancelled<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#Subscriptions_Im_considering\" >Subscriptions I&#8217;m considering<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/#What_subscriptions_do_YOU_have\" >What subscriptions do YOU have?<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div><p>The other day I was reviewing my budget and asked the question on twitter.\u00a0The founder of SubteraTech, Amit Bajaj (twitter handle: <a href=\"https:\/\/twitter.com\/amitsinghbajaj\">@amitsinghbajaj<\/a>) replied with the below gem:<\/p>\n<p><!--more--><\/p>\n<p><img data-attachment-id=\"3321\" data-permalink=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/attachment\/monthly-subscription-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?fit=1080%2C1920&amp;ssl=1\" data-orig-size=\"1080,1920\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"monthly subscription 1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?fit=169%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?fit=576%2C1024&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-large wp-image-3321\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?resize=576%2C1024&#038;ssl=1\" alt=\"\" width=\"576\" height=\"1024\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?resize=576%2C1024&amp;ssl=1 576w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?resize=169%2C300&amp;ssl=1 169w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?resize=768%2C1365&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 576px) 100vw, 576px\" data-recalc-dims=\"1\" \/><\/p>\n<p>&#8216;Cancelling your unused subscriptions&#8217; is a common money-saving advice, but little did I know Amit knows his shit when it comes to tracking his monthly and yearly subscriptions. He has a <em>spreadsheet<\/em> on it, tracking:<\/p>\n<ul>\n<li>Monthly\/yearly cost<\/li>\n<li>Payment and renewal date<\/li>\n<li>Subscription status (active, consider to cancel, cancelled)<\/li>\n<li>Whether the subscription is a necessity or optional<\/li>\n<\/ul>\n<p>&#8230;My explanation doesn&#8217;t do it justice, must screenshot and show.<\/p>\n<p><a href=\"https:\/\/ringgitohringgit.com\/subscriptions-i-pay-for\/monthly-subscription-2\/\"><img data-attachment-id=\"3322\" data-permalink=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/attachment\/monthly-subscription-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?fit=1809%2C883&amp;ssl=1\" data-orig-size=\"1809,883\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"monthly subscription 2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?fit=300%2C146&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?fit=1024%2C500&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-3322 size-large\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?resize=750%2C366&#038;ssl=1\" alt=\"\" width=\"750\" height=\"366\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?resize=1024%2C500&amp;ssl=1 1024w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?resize=300%2C146&amp;ssl=1 300w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?resize=768%2C375&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2017\/12\/monthly-subscription-2.png?w=1809&amp;ssl=1 1809w\" sizes=\"(max-width: 750px) 100vw, 750px\" data-recalc-dims=\"1\" \/><\/a><\/p>\n<p>Amazing right! If you want the template, <a href=\"https:\/\/twitter.com\/amitsinghbajaj\">ask him on twitter<\/a>.<\/p>\n<p>So I used the template as a guide and compiled my own subscription list in my notebook, now reproduced here. For the sake of being comprehensive, I&#8217;m adding ALL my monthly commitments. I also consider &#8216;recurring payments&#8217; as a type of subscription.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Monthly_subscriptions_I_pay_for\"><\/span>Monthly subscriptions I pay for<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Necessity_%E2%80%93_ongoing\"><\/span>Necessity &#8211; ongoing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Medical card and Personal Accident Insurance.<\/strong> RM120.13 and RM31.80 per month respectively. Related:\u00a0<a href=\"https:\/\/ringgitohringgit.com\/insurance-in-malaysia\/\">44 Thoughts While Buying Myself Insurance in Malaysia<\/a><\/li>\n<li><strong>Virtual Assistant<\/strong>. RM800. To help me with my work &#8211; I&#8217;m self-employed but that doesn&#8217;t mean I have to do eeeeverything. Related:\u00a0<a href=\"https:\/\/ringgitohringgit.com\/incomes-expenses-freelance-writer-in-malaysia\/\">Incomes and Expenses of a Freelance Writer in Malaysia<\/a><\/li>\n<li><strong>Rent<\/strong>. RM1200 (Subang). Related:\u00a0<a href=\"https:\/\/ringgitohringgit.com\/rent-room-kuala-lumpur\/\">Earning RMx500? Here&#8217;s the places you can afford in Kuala Lumpur<\/a><\/li>\n<li><strong>Mobile plan<\/strong>. RM128+GST from Maxis. They increased the monthly quota and eliminated the stupid weekday\/weekend rule, so I&#8217;m happier with them now.<\/li>\n<li><strong>Avast Anti-Virus.<\/strong> Somehow free? Bought a 3-year plan from lelong.my, the fella gave me a code eligible for 1.5 years only. When I asked, they refunded and allowed me to use the 1.5 years. So nice la people, faith in humanity restored betul \ud83d\ude42<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Necessity_%E2%80%93_until_final_payment_date\"><\/span>Necessity &#8211; until final payment date<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Braces<\/strong>. RM300. Paid the RM3000 deposit and must commit to pay off the rest of the balance in monthly instalments during checkup. Related:\u00a0<a href=\"https:\/\/ringgitohringgit.com\/braces-cost-in-malaysia\/\">3 Things to Know About Braces Cost in Malaysia<\/a><\/li>\n<li><strong>Laptop<\/strong>. RM568.08 until August 2018. Bought Surface Pro 4 in September and took advantage of 0% fee instalment spread over 12 months as opposed to paying oneshot in advance. Related:\u00a0<a href=\"https:\/\/ringgitohringgit.com\/tips-buy-new-laptop\/\">4 Best Tips I Got From You Guys When I Wanted to Buy New Laptop<\/a><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"YearlyAnnual_subscriptions_I_pay_for\"><\/span>Yearly\/Annual subscriptions I pay for<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Necessity_%E2%80%93_ongoing-2\"><\/span>Necessity &#8211; ongoing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Grammarly Premium.<\/strong> Editing and proofreading tool, handy to have as a writer. Paid RM300.42 renewal in November 2017 during Cyber Monday, got 50% off.<\/li>\n<li><strong>Individual memberships<\/strong> for <a href=\"http:\/\/malaysianwriterssociety.org\/\">Malaysia Writers Society<\/a> and <a href=\"http:\/\/access-my.org\">ACCESS Blockchain Association (Malaysia)<\/a>. The linkage to these groups helps me professionally.<\/li>\n<li><strong>Domain\/hosting for Ringgit Oh Ringgit<\/strong>. I just paid RM923.45 in November 2017 for another 3 years of hosting \ud83d\ude42<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Optional_%E2%80%93_consider_to_cancel\"><\/span>Optional &#8211; consider to cancel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Spotify Premium<\/strong>. Took the Family plan, costs me RM44.80 per year. I don&#8217;t think I&#8217;ll continue next year, turns out I don&#8217;t listen to music that much. That said I really like being a Premium user, so maybe I&#8217;ll just use Grab points for it or something in the future. Related:\u00a0<a href=\"https:\/\/ringgitohringgit.com\/cheaper-spotify-premium-in-malaysia\/\">3 Ways to Get Cheaper Spotify Premium in Malaysia<\/a><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Subscriptions_Ive_cancelled\"><\/span>Subscriptions I&#8217;ve cancelled<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Gym membership<\/strong>. Nightmare dowh. Not only I was pressured to buy more personal training packages, the gym also &#8216;accidentally&#8217; charged me for one more month. After two months and constant back and forth with their staff to get the money back, I gave up. Only left them bad reviews online because when I tried to fill in the consumer complaint form at <a href=\"https:\/\/ttpm.kpdnkk.gov.my\/\">Tribunal For Consumer Claims Malaysia<\/a>, the website didn&#8217;t work. (For the record, the gym is e-fitness at One City. Don&#8217;t go there, they suck).<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Subscriptions_Im_considering\"><\/span>Subscriptions I&#8217;m considering<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>VPN service<\/strong>. Now I use a free option (Touch VPN), but wonder if I need to get a paid one. <span style=\"text-decoration: underline;\">Those of you familiar with VPN, do I need a paid one or will Touch VPN do?<\/span><\/li>\n<li><strong>Netflix<\/strong>. As of time of writing, I&#8217;m trying out the free trial valid for one month. I have to say&#8230; it&#8217;s nice to use, the user interface is amazing. Probably going to share a premium account with some friends to save some money. RM51 divided by 4 people is just RM12.75 per month :p<\/li>\n<li><strong>Beauty boxes.<\/strong> Because it seems fun, but totally unnecessary, so I won&#8217;t unless it&#8217;s a crazy deal.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_subscriptions_do_YOU_have\"><\/span>What subscriptions do YOU have?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>What subscriptions are worth and not worth the money, for you? Share in the comments section!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The other day I was reviewing my budget and asked the question on twitter.\u00a0The founder of SubteraTech, Amit Bajaj&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3326,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false},"categories":[5],"tags":[545,664,544,531,663,546],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Subscriptions I Pay For And Why - Ringgit Oh Ringgit<\/title>\n<meta name=\"description\" content=\"Necessary and optional subscriptions I pay for now, plus what I&#039;m considering to cancel and get in the future.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ringgitohringgit.com\/personal\/subscriptions-i-pay-for\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Subscriptions I Pay For And Why - 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