How to Find Every Subscription You’re Paying For
Step-by-step walkthrough of checking credit card statements, app store accounts, email receipts, and telecom bills. This is where most audits start.
Read the guide
Michael Wong
Senior Consumer Finance Education Specialist
Helping Hong Kong consumers audit subscriptions, recover hidden costs, and take control of recurring payments
About the Specialist
12 Years Fighting Hidden Subscription Costs
Michael’s interest in subscription auditing wasn’t academic—it was personal. In 2012, he discovered his household was paying for seven unused streaming services at the same time. That eye-opening moment launched a career focused on helping Hong Kong residents find and eliminate the recurring charges that quietly drain budgets month after month.
Today, he’s a consumer finance expert who’s worked directly with Hong Kong’s major telecom providers—PCCW, Hutchison 3HK, SmarTone—to understand billing patterns and hidden costs. His research into forgotten subscriptions has influenced policy discussions at the Consumer Council of Hong Kong, and he presents quarterly findings on recurring payment trends to industry stakeholders across the region.
At SubTrack HK Limited, Michael leads the development of practical education tools and frameworks designed to help Hong Kong households take control. He believes financial awareness shouldn’t require accounting expertise. His approach emphasizes simple, actionable methods—quarterly reviews, systematic tracking, comparison frameworks—that any family can actually implement.
Professional Background
Education & Certifications
Bachelor’s Degree
Business Administration, Chinese University of Hong Kong
Professional Diploma
Personal Financial Planning, Hong Kong Institute of Financial Planners
Industry Experience
12 years working with telecom providers, fintech companies, and consumer advocacy organizations
Research Focus
Billing pattern analysis across Hong Kong’s major telecommunications and streaming platforms
Core Specializations
What Michael Teaches
Practical methods for auditing, comparing, and controlling recurring payments across Hong Kong’s telecom and streaming landscape
Complete Subscription Audits
How to systematically list every active monthly subscription—streaming services, telecom add-ons, app memberships—and capture what you’re actually paying for each one.
Forgotten Subscriptions
Identifying the services you’ve stopped using but haven’t cancelled. These hidden costs are usually the biggest budget leaks for Hong Kong households.
Mobile & Broadband Comparison
Understanding Hong Kong’s complex telecom offerings from PCCW, Hutchison 3HK, SmarTone, and others. Comparing actual plans, hidden costs, and contract terms side by side.
Cancellation Reminders
Building systems that actually work—reminders that trigger before renewal dates so you can cancel unused services on time instead of auto-renewing them.
Quarterly Reviews
Creating a review rhythm that sticks. Quarterly audits catch billing changes, new charges, and opportunities to negotiate better rates before they compound.
Budget Recovery
Calculating the actual financial impact of forgotten subscriptions and helping households redirect recovered funds into savings or better-aligned services.
Philosophy
No Accounting Degree Required
Michael’s core belief is simple: financial awareness shouldn’t require expertise. You don’t need to be an accountant to understand what you’re paying for or to spot unnecessary charges.
His methods emphasize clarity over complexity. Instead of spreadsheets and formulas, he focuses on practical frameworks that any Hong Kong household can implement in 30 minutes or less. A simple quarterly review. A straightforward comparison template. Clear reminders that actually trigger at the right time.
What makes his approach different is that it’s rooted in real consumer behavior research. He’s studied how Hong Kong families actually manage subscriptions—not how financial planners think they should. That means his recommendations are based on what works in practice, not what sounds good in theory.
At SubTrack HK Limited, Michael combines his background in personal finance planning with this real-world research. The result is education that feels practical and achievable, not overwhelming or academic.
12
Years in consumer finance
7
Major HK telecom providers analyzed
100+
Presentations to industry stakeholders
4
Review cycles per year recommended
“Most Hong Kong households are paying for subscriptions they’ve completely forgotten about. We’re not talking about $50 here and there—it’s often $200 to $400 a year per household. That’s real money. And the solution isn’t complicated. It just takes one thorough audit and then a simple quarterly check. That’s it.”
Educational Resources
Learn the Framework
Practical guides written by Michael on subscription auditing and recurring payment management
Comparing Mobile Plans and Broadband Offers in Hong Kong
How to compare PCCW, Hutchison 3HK, SmarTone, and other major providers fairly. Understand data limits, hidden fees, and contract terms.
Read the guideSetting Cancellation Reminders That Actually Work
The most common reason people can’t cancel subscriptions is forgetting the renewal date. Michael’s simple system for tracking and reminding yourself.
Read the guideThe Quarterly Subscription Audit — A System That Sticks
How to build a quarterly review habit that takes 30 minutes and catches billing changes before they compound. The framework thousands of Hong Kong households use.
Read the guideAbout SubTrack HK Limited
SubTrack HK Limited is a consumer education and subscription management platform focused specifically on Hong Kong’s unique market. Founded to help households recover thousands of dollars in wasted subscription spending, SubTrack combines practical auditing tools with expert education from specialists like Michael.
The platform focuses on the subscription challenges that matter most to Hong Kong residents: tracking telecom add-ons, comparing mobile plans from major providers, managing streaming service overlaps, and building sustainable quarterly review habits. It’s not a tool designed for global audiences—it’s built for Hong Kong’s specific billing landscape, telecom market structure, and consumer behavior patterns.
Ready to Audit Your Subscriptions?
Start with the complete audit guide, or explore Michael’s framework for quarterly reviews. Most Hong Kong households find $200-400 in annual savings within the first audit.