I agree that we should look into our credit card bills. In certain month, credit card does charge an annual fee that can be wavied with a simple call to their service line. In the early days when I had credit card, I didn't know about we can request for wavied of annual fee so I paid for a few years. After I found out, I have been requesting it all these years. There are also some credit cards nowadays that permanently no annual fee. Thanks for recommending the two apps to handle our finances.