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FILE - In this June 4, 2015 file photo, groceries are loaded into a customer's car at a Walmart Pickup Grocery location in Bentonville, Ark.  If you aren’t already tracking your spending, do so. Pay close attention to all the payments you make _ recurring or not _ and to the forms of payment: credit cards, Venmo, etc.  Subscription services are attractive because they’re easy to sign up for and come with minimal monthly financial commitment, said researcher Dhaval Moogimane. But small costs can add up, and prices can increase over time. (AP Photo/Danny Johnston, File)

FILE - In this June 4, 2015 file photo, groceries are loaded into a customer's car at a Walmart Pickup Grocery location in Bentonville, Ark. If you aren’t already tracking your spending, do so. Pay close attention to all the payments you make _ recurring or not _ and to the forms of payment: credit cards, Venmo, etc. Subscription services are attractive because they’re easy to sign up for and come with minimal monthly financial commitment, said researcher Dhaval Moogimane. But small costs can add up, and prices can increase over time. (AP Photo/Danny Johnston, File)

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