Annualize every membership against usage
Prime-style, delivery passes, gyms: fee ÷ real monthly use = the honest per-use price. The Cost Per Use tool does it.
Share where terms allow
Family plans for streaming, clubs and phone lines slice fees 30-60% legitimately.
Pause instead of cancel
Gyms and many services offer $0-$5 holds — right-sized for a tight quarter.
The library card is the winning membership
Books, audiobooks, streaming, museum passes, tools and meeting rooms: $0.