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10 things to stop paying for to save money now

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10 things to stop paying for to save money now

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Money can start to feel tight faster than you expect. It is not always one big expense. More often, it is a series of small charges that quietly add up over time.

When that happens, it is easy to think you need a major reset. You don’t. In many cases, the fastest way to create breathing room is to stop paying for things that are not adding real value to your day.

That is where this list comes in. These are 10 common expenses you can cut back on right now. Start with one or two, and you will likely notice the difference quickly.

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VIRAL GROCERY SHOPPING METHOD PROMISES TO SLASH SPENDING: ‘WAY EASIER, WAY CHEAPER’
 

Cutting back on recurring costs like delivery apps, gym memberships and bottled water can create quick financial breathing room. (David Paul Morris/Bloomberg via Getty Images)

1) Daily ‘treat’ habits that quietly add up

That quick coffee run or snack feels harmless. It takes a minute and gives you a boost. Over time, it adds up fast. A $6 drink every weekday can reach around $1,500 a year. You don’t have to cut it completely. Just change how often it happens.

Tech tip: Use your banking app’s spending insights to see how much you’re actually spending in this category. Most major banks now auto-categorize purchases.

Quick step: Open your banking or credit card app, then go to transactions or spending insights. Use the search bar and type “coffee” or filter by a category like “dining” or “food and drink.” Most apps will show how much you’ve spent over the last month.

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Seeing the total makes it easier to cut back without guessing.

2) Convenience spending you barely notice

Convenience costs more than it seems. Delivery apps, one-click checkouts and saved payment methods make it almost too easy to spend. That is when purchases start happening without much thought.

Tech tip: Remove saved cards from your favorite shopping apps. Making yourself enter your payment details each time can help slow down impulse buys.

Quick step:

  • iPhone: SettingsWallet & Apple Pay > select a card > Remove Card
  • Android: Open the Samsung Wallet app > tap All or Menu > Payment cards > select a card > tap More (three dots)Remove card.  (Settings and menu names may vary slightly depending on your software version.)
  • Google Pay (Android): Open Google Wallet app > tap your cardthree dots (top right) > Remove payment method
  • Apps (Amazon, DoorDash, Uber, etc.): Open the app > go to Account or Profile > tap Payments, Wallet or Payment methods > select a card > tap Edit or Remove. (Menu names may vary slightly depending on the app version.)

A small pause at checkout can stop a purchase you did not really need.

3) Subscriptions you forgot you had

Streaming services, apps, cloud storage and free trials that turned into charges. Most people are paying for at least one thing they rarely use.

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Tech tip: Your phone already tracks this.

Quick steps:

  • iPhone: Settingsyour nameSubscriptions
  • Samsung Galaxy (Android): Open Google PlayProfile iconPayments & subscriptionsSubscriptions (Menu names may vary slightly depending on your device and software version.)

You’ll see everything in one place and can cancel in just a few seconds.

4) Storage you never visit

Storage units feel temporary, but the monthly charge sticks around. If you have not used those items in a year, you likely do not need them.

Tech tip: Sell items quickly using apps like Facebook Marketplace or OfferUp instead of letting them sit.

Quick step: Take photos on your phone, list items in minutes and price to move.

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Turning unused items into cash is better than paying to store them.

7 FOOLPROOF WAYS TO SAVE MONEY IN A TOUGH ECONOMY
 

Small daily purchases, unused subscriptions and convenience spending can quietly drain your budget faster than expected. (Douglas Rissing/Getty Images)

5) Gym memberships you are not using

Signing up feels productive. Showing up is what counts. If you are not going, it becomes a recurring charge with no benefit.

Tech tip: Replace it with free fitness apps or built-in phone features.

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  • Apple Fitness: Basic tracking is free with iPhone
  • YouTube: Free workout videos are easy to find
  • iPhone: Open the Health app > tap Steps to track your daily movement
  • Samsung: Open the Samsung Health app> tap Steps (or install it if needed)

Quick step: Set a daily step goal in your Health or Samsung Health app and start there.

Consistency matters more than where you work out.

6) Bottled water and repeat small buys

This one slips under the radar. Buying a drink here, a snack there or a bottle of water on the go does not feel like much in the moment. But over time, it turns into a steady drain on your budget. If you have access to clean tap water, you are paying for something you already have. The real issue is not the item. It is the pattern. These are repeat purchases that happen automatically.

Tech tip: Use your phone to break the habit before you leave the house, not after you are already out.

Quick step:

  • iPhone: Open the Reminders app > tap New Reminder or the + sign > type “Bring water bottle” > tap the (i) icon > set it to alert you at a specific time or when leaving your home location > Click the blue check mark in the upper right of the screen.
  • Samsung:  (Menu names may vary slightly depending on your device and software version.)Option 1: Open Reminder app (Samsung Reminders) > Create reminder > add “Bring water bottle” > set time or location.Option 2: Say, “Hey Google, remind me to bring my water bottle when I leave home.”

Catching the habit before you leave helps you avoid spending later.

7) Premium gas your car does not require

Many drivers pay extra for premium gas without needing it. If your car is designed for regular fuel, premium will not help performance.

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Tech tip: Look up your car’s fuel requirement online in seconds.

Quick step: Search: “Does [your car model] require premium gas” or check your manual digitally.

Using the right fuel can save you money every time you fill up. 

8) Upgrading your phone too often

New phones are appealing. The upgrades feel important. In reality, most changes are minor, and your current phone likely still does everything you need. The biggest issue most people run into is not performance. It is battery life. That is often fixable.

Tech tip: Check your battery health and storage before deciding to upgrade. Those two things usually explain why a phone feels “old.”

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Quick steps:

  • iPhone: SettingsBatteryBattery Health Charging (look at Maximum Capacity)
  • Samsung: (Menu names may vary slightly depending on your device and software version.)SettingsBatteryBattery usage > tap Diagnostics or Device care > check battery status

Battery health above 85% means you are in good shape. Keep your phone. Around 80% or lower means the battery is wearing out. Replace the battery instead of upgrading. Still running slow after updates and clearing storage? It may be time to move on.

HOUSING EXPERT WARNS PRE-PANDEMIC AFFORDABILITY LEVELS MAY NEVER RETURN IN AMERICA
 

Saving money often starts with fewer automatic charges, fewer impulse buys and better use of the tech you already have. (Juanmonino/Getty Images)

9) Lottery tickets and quick-win promises

It is easy to justify a few dollars here and there. But over time, it adds up, and the odds stay the same.

Tech tip: Set up an automatic transfer instead.

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Quick step:

  • Go to your bank app
  • Set recurring transfer (even $5 a week) to savings

You turn a habit into something that actually builds money. Plus, small, steady savings will always beat relying on luck. 

10) Buying out of habit, not need

Scrolling and buying can become automatic. Most purchases are not planned. They happen in the moment. That is how small, unplanned spending starts to add up.

Tech tip: Turn off push notifications from shopping apps. Fewer alerts mean fewer chances to buy on impulse.

Quick step:

  • iPhone: SettingsNotificationsselect app > toggle off
  • Samsung: SettingsNotificationsApp notifications > toggle off notifications for the app you wish to stop receiving notifications from (Menu names may vary slightly depending on your device and software version.)

Fewer alerts mean fewer chances to spend without thinking.

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Kurt’s key takeaways

You don’t need to cut everything. Focus on the expenses that are not adding real value. Saving money does not always come from doing more. Often, it comes from doing less. Less automatic spending. Fewer impulse purchases. Fewer charges you forgot about. Technology can either make spending easier or help you stay in control. It depends on how you use it. Start small. Stay consistent. That is where the real change happens.

So here’s something worth thinking about: Which app, subscription, or habit is quietly costing you money every month without you realizing it? Let us know by writing to us at Cyberguy.com.

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Valve is so behind on Steam Controller orders that some won’t ship until 2027

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Valve is so behind on Steam Controller orders that some won’t ship until 2027

Valve has some good news and bad news about Steam Controllers. The good news: if you make a reservation for a Steam Controller, the company will now show you one of three estimates of when you’ll be able to actually order your gamepad: by September 2026, by December 2026, or sometime in 2027. The bad news: any reservations made today “indicate a 2027 date for shipping,” Valve says.

“We have no plans to stop making Steam Controller,” according to Valve. “But as we look at the current demand compared to how many we know we can make by the end of the year, we want to manage expectations as much as we can with regards to when folks can expect to receive their order.”

Valve’s very good new Steam Controller went on sale in early May, and the initial rush led some people to run into frustrating problems with trying to check out ahead of the controllers eventually going out of stock. A few days later, the company announced that it would be implementing a reservations queue for interested buyers so they could get on a waitlist. If you’re on the waitlist, when you get notified that a Steam Controller is ready for you to buy, you have 72 hours to actually make the order.

“When we launched Steam Controller last month, we quickly saw that initial demand exceeded our expectations,” Valve says. “Switching to a reservation queue has (hopefully) cut down on the headaches on the customer side, and for us it’s also been helpful as we plan ahead and try to get as many out as quickly as we are able.”

All three of Valve’s big hardware products were delayed from a planned early 2026 launch because of the component crisis, Valve still hasn’t announced when the Steam Machine PC or Steam Frame VR headset might go on sale. However, just yesterday, Valve officially launched its big SteamOS 3.8 update with support for the Steam Machine. It’s also been importing a lot of hardware into the US as of late.

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McDonald’s AI drive-thru may take your next order

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McDonald’s AI drive-thru may take your next order

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The next time you pull up to a McDonald’s drive-thru, the voice taking your order may not be human. McDonald’s is testing a new AI-powered system called ArchIQ at five U.S. locations. The company has not said where those restaurants are located. The voice assistant, nicknamed Archy, can take drive-thru orders and has shown it can handle both English and Spanish.

For anyone who has repeated “no pickles” into a speaker box more than once, this could sound helpful. However, if you remember McDonald’s last AI drive-thru experiment, you may also wonder whether your burger order could somehow turn into a bag full of surprise McNuggets.

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WOULD YOU EAT AT A RESTAURANT RUN BY AI? 

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McDonald’s is testing an AI drive-thru system called ArchIQ at five U.S. restaurants. (Kurt “CyberGuy” Knutsson)

 

What is McDonald’s AI drive-thru?

ArchIQ is McDonald’s new AI system for restaurants. It can take drive-thru orders and also help with operations behind the scenes.

In a post on X, McFranchisee, an anonymous McDonald’s franchisee account, said the system is currently in five test stores and has processed more than one million transactions. The account also said about 90% of orders were completed without a human stepping in. That number sounds promising. Still, McDonald’s has not confirmed a nationwide launch date. For now, this remains a limited test.

The system also appears to connect with a bigger McDonald’s plan called “McDonald’s > NEXT.” CEO Chris Kempczinski described the strategy as a way to bring in more customers and improve restaurant productivity. The plan also includes menu changes, restaurant redesigns, technology upgrades and more focus on hospitality.

 

Why McDonald’s is testing AI ordering

Drive-thrus can get chaotic fast. Someone changes an order after the total appears. A child calls out from the back seat. Road noise makes the speaker hard to hear. Then the driver remembers the extra sauce after everything has already gone through. That is the type of pressure McDonald’s wants AI to handle.

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If ArchIQ works well, it could help restaurants move cars through the line faster. It may also reduce mistakes during busy hours. Workers could then focus more on preparing food, handling payments and helping customers who need a real person.

ArchIQ also appears to have a management role. In the same X post, McFranchisee described Archy as a tool that could alert managers to bottlenecks or other issues before they slow down operations. 

STARBUCKS USES CHATGPT TO SUGGEST DRINKS BASED ON MOOD AS EXPERT WARNS OF HIDDEN DOWNSIDES

The AI assistant, nicknamed Archy, can take drive-thru orders and may also help managers spot restaurant slowdowns. (McFranchisee)

 

McDonald’s tried AI drive-thru ordering before

This new test follows McDonald’s earlier AI drive-thru experiment with IBM. That program involved more than 100 restaurants. McDonald’s ended the test in 2024 after customers complained about order accuracy. Some mistakes also went viral, creating an embarrassing moment for McDonald’s and raising questions about whether the technology was ready for the drive-thru. Customers reported wrong items, strange quantities and other order mix-ups. That history is why this new test will get extra attention.

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This time, McDonald’s is working with Google technology. McFranchisee also claimed every McDonald’s in the U.S. is getting Google Edge Cloud hardware in anticipation of the rollout. McDonald’s seems to believe the newer system can perform better than the last one. The real test will come when regular customers use it during real drive-thru rushes.

 

How McDonald’s AI drive-thru could help customers

If McDonald’s gets this right, the most obvious benefit is speed. An AI ordering system does not get tired during a long shift. It may also help more customers order in the language they prefer. That could make a busy drive-thru feel less frustrating, especially during breakfast or late-night hours.

The system may also ask clearer follow-up questions and catch missing details before the order reaches the kitchen. That would be a win for customers who want to get in, get their food and get on with the day.

 

The biggest problem with AI drive-thru orders

The biggest concern is accuracy. AI can still misunderstand people. That gets frustrating fast when you are trying to grab lunch between errands or get your kids fed from the back seat. A wrong order wastes time. It also puts workers in the position of fixing a mistake the machine made.

There is also the customer service side. Some people like hearing a real person at the speaker. Others may find an AI voice cold or annoying, especially if the system gets confused.

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Then there is the privacy question. If an AI system takes your order, customers may wonder what gets collected, how long it is kept and who can access it. McDonald’s has not publicly explained those specifics for this current ArchIQ test.

ALEXA+ LETS YOU ORDER FOOD LIKE A REAL CONVERSATION

A drive-thru menu board stands outside a McDonald’s restaurant in Hercules, Calif., on Oct. 23, 2024, amid an E. coli outbreak linked to onions in Quarter Pounder sandwiches that has sickened dozens and killed one person across the U.S. (David Paul Morris/Bloomberg via Getty Images)

 

How to avoid AI drive-thru mistakes

Before you leave the drive-thru, take a moment to check the order screen. Make sure the items match what you said. Listen when the system repeats your order. Keep your receipt until you confirm the food is right.

Also, avoid sharing extra personal details at the speaker box. Your order should only require your food choices and payment.

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If the AI gets confused, ask for a crew member. You do not need to keep going back and forth with a machine over fries.

 

What this means for you

For now, you probably will not notice a change at your local McDonald’s. The ArchIQ test appears limited to five U.S. restaurants, and the company has not said when it could expand.

Still, this gives customers a preview of where fast food may be heading. AI could soon play a bigger role in how restaurants take orders and manage the kitchen. That may speed up the line, though it could also make the experience feel less personal.

 

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Kurt’s key takeaways

McDonald’s clearly wants AI to play a bigger role in its restaurants. From a business point of view, the idea makes sense. Shorter drive-thru lines could help franchisees and customers. Better restaurant data could also help managers fix problems faster. But I still want the human backup. Food orders can be messy because people are messy. We change our minds. We talk over each other. We forget the extra ketchup until the last second. AI may handle much of that one day. For now, I would treat it like any busy drive-thru interaction. Speak clearly. Check the order. Do not pull away until you know your food is right.

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Would you trust an AI voice to take your McDonald’s order, or do you still want a real person on the other end of the speaker? Let us know by writing to us at Cyberguy.com

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Midjourney goes from generating cat images to full-body ultrasound scans

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Midjourney goes from generating cat images to full-body ultrasound scans

Midjourney CEO David Holz just showed off the company’s first hardware product and plans to build a San Francisco spa, which he admitted is a bit different from the “cat pictures” produced by its AI image generator. Dubbed The Midjourney Scanner, it’s an ultrasound-based full-body scanner that uses a ring of sensors to capture vertical slices of the inside of your body, looking at the composition of your muscle, fat, bone, and organs to start. Holz said ideally, you could do this once a year or every single day, as it “aims for image quality comparable to MRI in many ways.”

He mentioned that one way he’d like to use it would be to see how his body changes in response to diet and workout changes, saying, “I’m not the most measured man on Earth yet, you know, but maybe I want to have that daily [measurable information].” A set of job listings advertises the company’s goal as trying to “build and launch the world’s first full-body ultrasound CT scanner, ultimately bringing safe, fast, and high fidelity preventative scanning to billions via a magical spa experience.”

The Midjourney Scanner was developed in a partnership with ultrasound tech company Butterfly Network, which said it uses “40 Butterfly Ultrasound-on-Chip imaging modules per system.”

The scanning process starts with stepping onto a platform that drops down into the water on rails through a ring of thousands of transducers that create ultrasonic waves. It then records the ripples passing through your body to analyze them and create detailed 3D images. The scan takes about 60 seconds. Holz said about a dozen people have been scanned so far.

It starts by stepping into a shallow pool of golden light. You then begin to descend into the water. Your body passes through a ring of underwater sensors, each acting like a dolphin, using its echolocation. The sensors send ultrasonic sound waves through your body from every angle. With enough waves, and enough angles, we form an image of what’s happening inside your body.

It combines those sensors with two petaflops of processing power. But after watching the livestreamed reveal, I’m still unclear on what Midjourney’s AI image generation tech exactly has to do with the Midjourney Medical effort, beyond an alternative business for otherwise-unused AI compute.

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Holz hopes to put 10 of the scanners into a Midjourney Spa location in San Francisco’s Union Square that will open before the end of 2027 and offered to scan the hands of attendees at its launch event. The Midjourney Spa will have a gym, saunas, and cold plunges to go along with the hot tub–equipped scanning rooms where visitors will get into the water to be scanned.

He did mention that various medical applications would require FDA clearances, but for now, Midjourney Medical says it’s working on “body composition maps” that don’t require the same level of clearance as diagnostic imaging. It also says the “library of scans” users create can be shared with doctors, AI health tools, or others, and that, “We take data privacy seriously — more details on our data policies will come as we get closer to launch.”

Holz suggested that eventually these scans could become better than an MRI, without radiation, powerful magnets, or other complicating factors, to get a look at what’s going on inside people’s bodies “real fast.” In response to a question, he imagined a future where the FDA had a class of devices to look at “weird” things and allowed people to “just try to get as much data as we can.”

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