Have you ever signed up for a membership or subscription service that was FREE for a year? Online merchants, book clubs, credit monitoring services and health clubs often offer a free trial period but charge for the service once the initial term has expired. If you are required to provide your debit or credit card information to a merchant that offers a FREE service, read the fine print and remember to cancel the service before your account is automatically charged. Put a reminder in your phone to alert you when it is time to cancel the membership or subscription. It is great to take advantage of free services as long as they don’t take advantage of you!