Yes, subscription services can ruin your budget. Small monthly fees add up fast, especially when you forget to cancel or subscribe to similar services. Track what you use, cancel what you don’t, and set a limit to avoid overspending.

In your 20s, focus on budgeting, paying off debt, saving for emergencies and retirement, and getting basic insurance. These simple steps help build a strong financial future.

To convert money efficiently, compare exchange rates across reputable banks, currency exchange services, and online platforms to find the best rate. Avoid exchanging money at airports or tourist hotspots, as they often charge higher fees. Consider using multi-currency accounts or travel-friendly credit cards with favorable exchange rates and low transaction fees. Plan ahead to minimize costs and ensure a smooth conversion process.

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