Almost everything a small business runs on is now rented by the month. The accounting, the storage, the scheduling, the design tool somebody tried, the extra mailbox for an employee who left. Each was a small, defensible decision. Nobody ever decided to have twenty of them, and in most small businesses nobody can produce the list.
The cost is real but rarely the main issue. Two or three unnoticed subscriptions do not threaten a business. What does matter is that the same drift affects the things which are not optional, so the business ends up unable to distinguish between a tool nobody has opened since spring and the one holding its customer records. When the card is replaced and several payments fail at once, that distinction becomes urgent and there is no list to consult.
The exercise that fixes this is a bank statement and an afternoon. Go through a full year - not a month, because annual renewals hide from a monthly view - and write down every recurring payment, what it is for, who uses it, and what happens if it stops. The last column is the useful one. Most entries turn out to be conveniences. A handful are the business, and those deserve different treatment: the account in the company's name, more than one person able to get in, a card that is not about to expire, and an exported copy of whatever is inside.
Several things reliably emerge. Duplicate tools bought by different people for the same job. Plans on a tier chosen when the business was a different size. Seats for people who have left, which is both a cost and an access-control problem, since a departed employee with a live login is a genuine risk rather than a tidiness issue. And at least one service that is dormant but must not be cancelled, because it quietly holds data somebody will want.
Cancelling is where a last piece of care is needed. Ending a subscription usually ends access to what it stored, sometimes immediately and sometimes after a grace period nobody reads about. Export first, confirm the export opens, and only then cancel. Otherwise the saving is real and so is the loss, and the loss is discovered months later when somebody goes looking for a file that is no longer anywhere.