Memberships represent a convenient method of paying for goods and services, but the set-it-and-forget-it format can be trouble for your finances, says money-saving expert Andrea Woroch. For example, nearly 67 percent of gym memberships never get used. Are you subscribing to a newspaper or magazine you never read? Use Trim, a service that finds all the subscriptions on your credit card (Netflix, LinkedIn Premium, forgotten credit reports, etc.), to help you identify and cancel the ones you don’t want. for more frugal tips, visit www.andreaworoch.com.