Person holding Costco card and receipt

It’s tough to tell which memberships are actually worth paying for. Some seem useful at first, but end up being a waste of money. Others deliver solid value and save you cash over time. If you’re looking for perks that make life easier without breaking the bank, these nine memberships are a smart place to start.

Costco Membership

Front of Costco store
Image Credit: Ilze_Lucero via Shutterstock.

A Costco membership is often considered one of the best investments for those who buy in bulk. With discounted prices on groceries, electronics, and even gas, the savings quickly add up. Many people find that the savings from buying items like paper towels, canned goods, and fresh produce in bulk more than cover the cost of the membership. Plus, Costco’s high-quality products and return policies make it a go-to for smart shoppers.

💸 Take Back Control of Your Finances in 2025 💸
Get Instant Access to our free mini course
5 DAYS TO A BETTER BUDGET

Amazon Prime

Person using Amazon Prime on a laptop
Image Credit: Ifeelstock via Deposit Photos.

Amazon Prime is a membership that pays for itself in no time, especially if you’re an avid online shopper. Between free two-day shipping, access to Amazon Prime Video, Prime Music, and exclusive deals, the benefits are endless. If you regularly shop on Amazon or use streaming services, Prime can save you time and money, making it worth the annual fee. Plus, the free shipping on everyday items is a huge perk.

Sam’s Club Membership

Front of a Sam's Club store
Image Credit: Ken Wolter via Shutterstock.

Much like Costco, Sam’s Club offers a membership with great perks for those who like to buy in bulk. From discounted groceries to special pricing on travel, home goods, and even insurance, a Sam’s Club membership can easily pay for itself. Many members report significant savings on items like vitamins, toiletries, and fresh produce. If you live near a Sam’s Club, it’s worth considering if you make frequent bulk purchases.

AAA Membership

Man hanging out his car window yelling and being rude
Image Credit: Tommaso79 via Shutterstock.

If you drive frequently, an AAA membership is one of the best investments you can make. Beyond roadside assistance, which can be a lifesaver in an emergency, AAA members receive discounts on travel, hotels, and even theme park tickets. The peace of mind that comes with knowing you’re covered in case of a breakdown is invaluable. Plus, the added savings on travel expenses and other discounts make this membership pay for itself quickly.

Netflix Membership

Hand holding a remote pointing at a TV
Image Credit: Oleg Elkov via Shutterstock.

For those who love to binge-watch their favorite shows and movies, a Netflix subscription pays for itself by offering a vast library of content at a reasonable monthly fee. Skip the expensive cable subscriptions and opt for Netflix, where you get exclusive series, documentaries, and movies at a fraction of the price. Whether you’re into drama, comedy, or documentaries, the variety of content keeps things fresh and affordable, making this membership a great entertainment investment.

BJ’s Wholesale Club Membership

Inside of a warehouse club
Image Credit: Trong Nguyen via Shutterstock.

If you’re looking for a membership that offers great savings on everything from groceries to electronics, BJ’s Wholesale Club could be the answer. Similar to Costco and Sam’s Club, BJ’s offers bulk discounts on everyday items like snacks, cleaning supplies, and even gasoline. Members also get access to exclusive deals on travel and entertainment. If you live near a BJ’s, it’s definitely worth the membership fee, especially if you like buying in bulk and saving on gas.

Audible Membership

Man narrating audiobook
Image Credit: Shutterstock.

If you’re into audiobooks, an Audible membership can be a solid deal. You get one credit each month for any title, plus discounts if you want more. It’s easy to listen while you drive, clean, or work out — no extra time needed. If you go through books regularly, the membership pays off fast. And with their huge library, you’re not likely to run out of things to listen to.

The New York Times Digital Subscription

Young woman budgeting at her coffee table
Image Credit: Deagreez1 via Deposit Photos.

For news junkies, The New York Times digital subscription is a must-have. With access to daily news, in-depth reporting, and exclusive content, a subscription to this respected publication is a great way to stay informed. The NYT app allows for easy access to articles, puzzles, and even cooking recipes. For those who rely on quality journalism, this subscription provides value that quickly justifies its cost. Plus, as a subscriber, you’ll have access to additional perks like archives and exclusive events.

Why These Memberships Work

Young woman holding a pink piggy bank
Image Credit: Serezniy via Deposit Photos.

Some memberships are worth every penny when they actually make your life easier. If you’re saving on things you already use — like gas, groceries, or travel — the benefits add up fast. The key is finding ones that fit your routine. When you do, they start paying off without you even thinking about it.

13 Lifestyle Choices Financial Experts Secretly Detest

Couple sitting on couch arguing
Image Credit: Stockbakery via Shutterstock.

Money experts say your daily choices can have a bigger impact on your finances than you realize. Some habits might seem harmless but can slowly eat away at your savings or keep you living paycheck to paycheck. These are 13 lifestyle habits financial pros want you to quit to move forward. 13 Lifestyle Choices Financial Experts Secretly Detest