$2,400
Lost per year on average
12+
Forgotten subscriptions
84%
Underestimate spending
62%
Impulse buys after 8pm
The 4 Silent Money Killers
Which ones are draining your bank account?
Zombie Subscriptions
$50-100/monthThat gym membership you haven't used since January. The streaming service you forgot existed. The free trial that became a $14.99/month charge.
84% of people underestimate their subscription spending
Mystery Charges
$30-50/monthSmall charges that slip by unnoticed. The app that auto-renewed. The in-app purchase you don't remember making. The recurring fee buried in your statement.
Average person has 12 recurring charges they forgot about
Late-Night Shopping
$75-150/monthTired brain + smartphone + one-click buying = regret. Late-night purchases are 30% more likely to be returns. Your willpower is weakest after 9pm.
62% of impulse purchases happen after 8pm
Bank Fees
$25-35/monthOverdraft fees, ATM charges, account maintenance fees. Banks made $15 billion from overdraft fees alone last year. Some of that was yours.
Average American pays $329/year in bank fees
Total potential savings: $200-335/month
Find My LeaksWhy We Don't Notice
Here's the thing: these money leaks are designed to be invisible.
- Small amounts don't trigger alarms. $9.99 here, $14.99 there. Each one seems insignificant. But 15 small charges add up to $150+.
- We're too busy to check. When's the last time you really looked at every line on your credit card statement?
- Companies count on inertia. They know you'll forget to cancel. That's why free trials auto-convert to paid subscriptions.
- Shame keeps us in the dark. It's easier to not look than to face the music.
The good news?
Once you can see where your money is going, you can take control. And it doesn't take hours of spreadsheet work. Just a few minutes with the right tool.
How MoodWallet Stops the Leaks
Awareness is the first step. Action is the second.
Daily Awareness Check-In
A quick daily review builds the habit of noticing where your money goes. Mindfulness, not spreadsheets.
Spot Hidden Patterns
Notice trends like late-night spending spikes, emotional shopping triggers, and subscriptions you forgot about.
No-Shame Approach
We're not here to judge. Just to help you see clearly so you can make better decisions for yourself.