Blog
Guides for running your money with confidence
Practical, plain-words guides on subscriptions, renewals, cash flow and the tools small teams pay for. Use them with or without Subly.
Subscriptions7 min read
How to find every recurring charge on your bank statement
Look for merchants that repeat at a regular interval, decode processor and app store names, and compare amounts month to month to catch rises and leftovers.
Subscriptions7 min read
How to audit your software subscriptions in 30 minutes
Pull 3 to 12 months of statements, list what repeats, check renewals, seats and duplicates, then decide keep, downgrade, cancel or yearly for each tool.
Subscriptions7 min read
Subscription tracker spreadsheet: free template and how to use it
A free subscription tracker template for Google Sheets or Excel, with the columns to keep, formulas for yearly cost and days to renewal, and when to move on.
Teams8 min read
Who owns this tool? How small teams keep SaaS spend in check
Give every tool one owner, keep one shared list, send renewals to that owner early and review quarterly. That keeps a small team's software spend in check.
AI and agents6 min read
How to ask Claude about your business spending and renewals
Connect Claude to Subly and ask what renews this quarter, where the money goes or who owns a tool. Answers use your real numbers, and it asks before changes.
Cash flow7 min read
How to build a 2027 budget for a small business, step by step
Build a 2027 budget in an afternoon: start from 12 months of statements, split recurring from one-off, map annual renewals and plan income conservatively.
Cash flow8 min read
Cash flow for small businesses: a practical, step-by-step guide
Cash flow is when money actually moves, not what you earn on paper. See why profitable businesses run short and build a 13-week forecast by hand.
Lifetime deals7 min read
How to track AppSumo deals and never miss a refund window
Log each AppSumo deal with its price, purchase date and refund deadline, test it on real work, and decide keep or refund before the window closes.
Cash flow7 min read
How to track recurring revenue and client retainers
Recurring revenue is what clients pay you on a schedule. Learn to work out MRR, track retainers and late payments, and see what is left after your tools.