How many subscriptions do you have?

And how many do you really use?

Households right now are spending an average of £422 a year.

With the Lloyds Bank subscriptions manager on our app,

you can block or cancel the ones you no longer need

in a few simple taps.

It's one of our many useful tools

to help you stay on top of your money.

To find out more, go to Lloydsbank.com forward slash cost of living.

Lloydsbank by your side.

You can find our website at www.cfc.com.com.

We're going to start with a new project.

It's a beautiful fall day.

It's the late September early October,

judging from the heavy amount of leaves on the ground.

It must have been around three or four in the afternoon.

My younger sisters, I believe,

then nine and eight at the time were out catching butterflies with a net on the edge

of the small cliffs in our front yard.

It's more like a hill.

I want to say maybe 15 to 20 feet high,

and down below is a small creek.

...