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.

He was sitting under a corner street light in a dirty red suit,

smoking a pipe that turned his beard more ashy color than the light snow

that was falling on top of him.

A long side was a large sack that appeared to be full of items of all kinds

and a cardboard sign scrolled with a black marker.

It was a sign that actually attracted my attention in the first place.

Free memories.

I waited for the crosswalk to change colors,

and I walked across to where he sat,

offering him a dollar in exchange for one of his goods.

Smelt of sewage and booze.

The man's eyes widened and surprised me,

looked up at me and asked,

you can see me.

...