alt Hacker NewsWho maintains the list of all of these a la carte subscriptions? Your credit card company? Seems like a pain to have to review it every month and discern the service from the ACH transaction name. Additionally, it would be a reactive approach, as you would already need to be charged for the month you didn't want in order for it to show up on the ACH ledger.
I don't have a problem with paying subscriptions, I have a problem with the subscription list itself becoming untenable.
I have a budget, which is an excel file, that lists my fixed expenses. I add a row, select the frequency, and let the formula I wrote a while back work out how much discretionary funds are left. There are dozens of other software products out there that also serve this purpose as well as actual paper ledgers you could use instead.