# The Subscriptions and Memberships Module

The FIRM Guide (thefirmguide.com) — companion to The Recoverable Family.
Fill this in privately (any text editor or by hand), then store it in your Vault.


## Secure Guide Starter Template — Subscriptions and Memberships

> Store this inside your Vault. One entry per subscription or membership that costs money, holds value, or would burden your family if forgotten. Update at the quarterly review.

The on-ramp is your credit card or bank statement, not your memory: pull three months of card and bank statements and payment apps and list every recurring charge. (Count last month's charges first — that number, times twelve, is what autopilot costs per year.) Then add the memberships that don't charge monthly but still matter: the professional association, the warehouse club, the library card, the loyalty programs quietly holding real value. Skip the noise — no need to document every retailer that ever issued you a points card.

Loyalty balances are harvested at scale now — miles, points, and card rewards drained quietly by automated attacks that test leaked passwords everywhere at once. Two habits already in the system cover it: a strong, unique password on any account holding real value, and the quarterly review this record prescribes — a drained balance or an unfamiliar redemption is exactly the small anomaly the review exists to catch. Give zombie subscriptions on old, unwatched email accounts the same eye: an account nobody monitors is an account nobody notices being taken over.

- Service/Subscription: 

- Tied to Identity: 

- Plan Type and Cost: 

- Renewal Date / Auto-Renew: 

- Member ID: 

- Shared With: 

- Transferable?: 

- Cancellation Instructions: 

- Notes: 

> Second of the trio: every row ties back to an identity documented in the Identities Module — what you belong to, anchored to who you are. What happens to each service later is the Digital Legacy Module's decision; the Transferable? column is its feeder.

- Tags: 


## Family Guide Starter Template — Subscriptions and Memberships

> This template contains no sensitive information. It can be stored with household documents.

> In the matching Secure Guide section: one row per service tied to its controlling identity — cost, renewal, transferability, cancellation.
>
> That detail is what makes recovery possible — and it is protected in the Vault, which opens with The Vault Key. The key is never written here, by design. The people listed on this page know how it is kept, and the steward's job is to keep that path current, so this page never leads to a locked door.

- Subscriptions and Memberships: 

- How managed: 

- Who manages: 

- Who to call: 

### Additional Guidance