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Step 2: Subscriptions

Purpose

Document every recurring subscription, service, and membership so they can be reviewed, transferred, paused, or canceled. This prevents surprise charges and ensures critical services stay running.

Audience

Primary: Hope. Secondary: executor, trustee, or anyone helping manage finances.

Prerequisites

  • Access to Bitwarden (all usernames and passwords are stored there)
  • Access to bank/credit card statements to cross-reference charges
  • Complete Step 0: Prerequisites first

What this section covers

  • Streaming & entertainment — Netflix, Apple TV+, HBO Max, Amazon Prime, Peacock
  • Mobile & communication — Mint Mobile, Bark
  • Utilities — Consumers Energy, water/sewer, lawn care, pest control, trash, HOA
  • Insurance — State Farm (life, auto, home, umbrella)
  • Internet & infrastructure — Spectrum/Charter
  • Domains & hosting — Cloudflare (all domains), Vultr
  • Cloud & SaaS — Proton, Bitwarden, iCloud, Xbox Live, Ramsey+, and more
  • Security — SimpliSafe
  • Memberships — American Sailing, Mountain Gazette, DMB Warehouse, Nutrafol

Default action

All subscriptions are set to Keep & Transfer unless otherwise noted. Review each category and adjust as needed.

Critical services — do NOT cancel without a transfer plan

Internet (Spectrum), email (Proton), passwords (Bitwarden), domains (Cloudflare), and insurance (State Farm) must be transferred, not canceled.

Guides in this section

  • Subscriptions Inventory — Full table of all subscriptions with credentials, categories, and recommended actions.