The best ways to spend on online services—whether you have $50, $75 or $100 a month

Online subscription services like Netflix and Spotify are incredibly popular, and more are on the horizon. Apple recently launched new offerings, with Disney expected to follow suit. Choosing how to spend your money on these services can be tricky, so let's explore some options to maximize your value.

Optimizing Your $50 Monthly Budget

For unlimited music, Spotify ($10/month) is a strong contender, boasting over 40 million songs, podcast support, and cross-device compatibility. However, if you're heavily invested in the Apple ecosystem, Apple Music might be a better fit, especially if you already use iTunes.

Both offer family plans for $15/month (up to five users at the same address), making them ideal for families. We generally recommend Spotify for its broader device support and features.

With $35-$40 remaining, Netflix is a must. The premium 4K Ultra HD plan ($16/month) provides high-resolution content, four simultaneous streams, and offline downloads. Netflix's library includes classics, contemporary titles, and a growing selection of original programming like Roma and Stranger Things.

This leaves $19-$24, making Audible ($15/month) a worthwhile addition if you enjoy audiobooks. It offers a vast library, member deals, and offline listening.

Making the Most of $75 a Month

With a larger budget, Hulu ($12/month) complements Netflix nicely, offering ad-free streaming of both established and original content. A live TV add-on is available for $51/month (exceeding our budget).

YouTube Premium ($12/month) is worth considering if you're a frequent YouTube user. It removes ads, includes YouTube Music, allows offline downloads, and background playback.

YouTube TV ($40/month) is another option, but you'll likely need to drop other services to accommodate it. Alternatively, if you use Amazon Echo and shop frequently on Amazon, Amazon Prime ($13/month) offers fast shipping, Prime Video (including shows like The Grand Tour), and Prime Music.

Maximizing Your $100 Monthly Budget

A $100 budget allows for a comprehensive suite of services. In addition to the above, consider Tidal ($20/month) for high-fidelity music streaming.

For TV, you can choose services like HBO Now ($15/month) for shows like Game of Thrones and True Detective.

Don't forget cloud storage! Apple iCloud, Google Drive, and Dropbox offer various plans. A VPN ($3-7/month) enhances online security and privacy on public Wi-Fi.

Customization is Key

Feel free to mix and match these suggestions based on your preferences and budget. A TV enthusiast might combine Hulu's live TV and YouTube TV, while a music lover could opt for Spotify, Apple Music, and Tidal. The possibilities are endless!

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