Welcome back to another edition of "Rolling in Dough" Newsletter, where we serve up the simplest ways to save more, spend less, and build wealth with regular insights, behavioral science hacks, and tiny tips to do today. I hope to make your financial journey a little fun, simple, and totally doable, where ever you are on your wealth journey.

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💸 WHAT FINANCIAL MOVES TO MAKE RIGHT NOW?

NEW SERIES ALERT: BEFORE THE BALL DROPS

The last few weeks of the year are when certain important money moves matter, the ones that save you stress in January, protect your money, and set you up to start the new year already ahead instead of catching up.

So for the next few issues, I’m starting a new series called “Before the Ball Drops.”

Each edition will give you one specific, high-impact mini money move to knock out before December 31, the kind of stuff that strengthens your entire money system without taking a ton of time or effort.

Quick steps. Real results.

By the time the year ends, you’ll feel more in control, more organized, and way more prepared for everything coming next.

Missed Mini Money Move #1? Click here to check it out.

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BEFORE THE BALL DROPS (BBD) - MINI MONEY MOVE TO MAKE BEFORE THE NEW YEAR #1

 💸 Mini Money Move #2: Do a Quick Subscription + AutoPay Audit for Hidden Money Leaks

What to do:
Before December 31, open your bank and credit card statements for the last 2 months, scan through the transactions, and look for:

• Subscriptions you forgot about

• Free trials that quietly converted

• Annual charges you didn’t plan for

• Old apps you don’t use

• Autopays tied to expired cards

• Charges that increased without notice

• Services you paid for twice (common with phone, fitness, and streaming bundles)

Then:

• Cancel the ones you don’t need

• Switch monthly charges to annual only if you use it consistently

• Update the payment method for anything you’re keeping

• Set calendar reminders for annual renewals

What to do - Part 2:
Once you finish looking through your statements, check your subscription charges from apps on your phone. If you have an iPhone, here’s how to check in 2 quick steps what you’re charged for.

This short audit closes quiet money leaks that build up over the year.

I know, I know. Tedious. You don’t feel like doing it.

BUT look at it like this: it’ll probably take 20-30 minutes, and if you can save up to $3,200 over the next year, that would be the fastest $3,200 many of us ever make.

I mean, how else are you making $3,000 in 20 minutes? It’s easy money in the bigger picture.

Reason #1. Companies quietly increase prices, and most people never notice.

From streaming services, productivity apps, cloud storage, delivery memberships, etc., many companies raise prices every year, sometimes twice.
If you’re not checking, you’re absorbing increases you didn’t approve.

Reason #2. Old autopays create “phantom spending” you forget to budget.

Small charges, $4.99 here, $7.99 there, add up fast when they run in the background.
Clearing them out gives you more money in your budget without changing anything about your lifestyle. Easy mode.

Reason #3. A small audit can recover $200-$600 a year easily without even cutting anything meaningful.

Most people can cancel at least 2-6 things and immediately reduce their monthly expenses.
It’s one of the quickest money wins you can get before January.

Reason #4. Cleaning up autopay protects you from overdrafts and surprise declines.

Expired cards + old autopays = surprise fees, declined transactions, or accounts falling out of good standing.
A clean autopay list keeps everything running smoothly.

Reason #5. It sets a clean foundation for your 2026 budget and monthly money.

When you know exactly what’s running, you start the new year with clarity and no unexpected charges. This way, you can have intentional spending and make sure you’re spending your hard earned money on things you actually want to and enjoy.

🤔 Things to Consider

1. Canceling doesn’t delete your account, just the charges.

You can still log in or restart the subscription anytime later.

2. Look for duplicate services you don’t need.

Two cloud backups, two music apps, two fitness apps, this is extremely common.

3. Be careful with subscriptions tied to discounts.

Some memberships unlock lower prices (like shipping or pharmacy savings).
If you cancel the membership, the discount goes too.

4. Annual charges hit hard if you forget about them.

Set calendar reminders one month before any annual renewals so you can cancel or budget ahead.

5. Check for small charges labeled “payment processor” or “merchant services”.

These often hide unused apps, trials, or old accounts.

👋  TO GO BITES: The Wrap Up

A quick subscription + autopay audit is one of the easiest ways to save money before the year ends.

It cuts quiet leaks, clears out old charges, and gives you a clean financial slate heading into 2026, without sacrificing anything you actually care about.

Investing just 20 minutes of your time could save you up to $3,000 over the next year.

NEED HELP / GUIDANCE ON WHAT TO DO FIRST OR NEXT?

If you have questions about the money moves you should be making next, here’s how I can help. You can also reply to any email.

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