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He picks up a phone, then remembers he forgot to cancel the milk and it slips his mind.
Only one of the friends I interviewed is in charge of family finances (her husband once forgot to cancel his gym membership when he changed cities because he didn't check his bank statements for 18 months).
In October, Apple said that 6.5 million people were paying for Apple Music in the first month after early adopters' free trial ended – although there is some debate over how many of those payers forgot to cancel their automatic subscription.
I'm actually a subscriber, though only because I forgot to cancel my subscription in time after the free trial period.
Apple Music may be similarly vague with its big numbers, since a decent chunk of that 6.5 million may be people who forgot to cancel their free trial and involuntarily became paying members.
But time will tell how many of those 6.5 million Apple Music paying members are "accidentally" paying for the service – meaning, they forgot to cancel their subscription and won't realize it until later when they see a bill or bank statement.
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With companies counting on you to forget to cancel and unintentionally provide them with an income for years, the onus is on you to keep track.
It's especially useful for those "trial offers" that depend upon you forgetting to cancel; just ask RTM to remind you by email, and you never will.
The company has also come under fire from those who have unwittingly signed up for Prime, or forgotten to cancel their free trial after 30 days, only to be hit with a £79 charge.
We can't be bothered to fill out the form that would get us in the company pension plan, we forget to cancel subscriptions and we slump on the sofa eating doughnuts when we should be doing yoga.
Several credit reference agencies such as Equifax, Credit Expert and Checkmyfile will give you a free trial for 30 days to see your file but don't forget to cancel it at the end or you will end up paying.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com