First off, let me start by saying I should've bought this sooner. It wouldn't have changed my payment streak at all, but it would've given me a longer spending record to monitor, which is nice to have when I want to detect spending trends or convince myself not to buy something I really don't need.

But anyway, this tool is excellent and does exactly what it says on the front cover. And it looks nice. Normally, I buy one of these LTDs, activate them, explore them for a few minutes to see what I can do with them, then set them aside until a time I'm ready to sit down and dig in (which could be days, weeks, or even months into the future, if ever). Today, I intended to do the same with Subly, adding one or two subscriptions to my project file just to "try it on."

Well, I got into a momentum during my testing phase and ended up including all of my current subscriptions, or at least the ones I could think of after careful thought and a bit of banking history research. And then I decided to add my recurring non-subscription bills, too (like credit card payments and phone bills because I can also set up a new "Project" for just bills and keep them separate from my nonessential subscriptions like streaming television--yes, streaming television is nonessential).

I don't have a lot of subscriptions, so this process didn't take me long. But even still, the process of adding a new subscription is so easy that the only hard part is remembering what I'm actually paying for each month (or year, or every few years).

And the reporting and graphing features make this my new essential must-have tool. It's easy on the eyes, and the ability to view individual projects (in my case, subscriptions versus essential bills) or everything at once is a nice feature. Of course, it would be even nicer if I could select multiple projects without having to select them all--that way, I could customize my "Projects" even further by having more of them, or at least have the ability to categorize one subscription under multiple projects (for overlapping)--but the current behavior is still good. Having a graph to look at is so much better than "crunching numbers" in my head. And there's something awesome about a tool that gives you a list of all upcoming bills as they're due. As you might expect, everything due next week is listed ahead of those things due next year. Sensible behavior.

And I could keep going, but I'm running out of room. So, I'll end with this: even if it doesn't yet do EVERYTHING I'd want, it definitely does enough, and it does what I expect it to do. It's nicer than using Excel or Sheets, and worth the price. I do have suggestions for improvement, but I'll post those in the feedback section.

A gem for sure. If you're spending money hand-over-fist and you don't know why, give Subly a shot. I mean, you'll have to pay for that, too, but only once.