This answer is a straight arithmetic translation of monthly recurring costs into an annual figure — a small but powerful budgeting tactic. Add the monthly subscriptions: $9.99 + $5.00 + $12.50 = $27.49 per month. Multiply by 12 months to get the year's total. Seeing the annual number often triggers a different decision than seeing three small monthly amounts. Budgeting by month is convenient, but annualizing recurring charges gives perspective: you can compare a year of subscriptions with a single one-time expense (a repair, a class, or a new electronic device) and make intentional choices. The arithmetic is simple and exact: convert decimals carefully and avoid rounding until the final step.

Brief arithmetic (example only): 9.99 + 5.00 + 12.50 = 27.49 → 27.49 × 12 = 329.88. Once you have the annual cost ($329.88), use that figure in decision-making: ask whether the combined services provide $329.88 of value to you over the year. If not, consider downgrading, sharing accounts where permitted, or rotating subscriptions seasonally (subscribe during months you'll use the service most). You can also treat the annual total as an opportunity: redirecting $329.88 to a high-priority short-term goal (emergency fund, a bill payoff, or an experience) may be more valuable than continuous low-use subscriptions. Finally, document annualized totals in your budget spreadsheet so you revisit them quarterly — recurring costs can creep up as merchants add features or as you add additional trials.