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In the article, Timmy O'Mahony shares his experiences regarding the subscription costs on Substack and the use of 1Password. He highlights that various online services can considerably increase monthly expenses, which becomes a significant issue in budget management. O'Mahony makes comparisons between the costs associated with Substack and other popular tools, demonstrating how quickly expenses can escalate if not properly monitored. He specifically emphasizes the need to evaluate which subscriptions are truly essential. In conclusion, the author encourages a more conscious approach to subscriptions and regular reviews of online service expenditures to avoid unnecessary costs.