Find someone to split the cost of the yearly membership with, and you can both enjoy wholesale discounts.

Your car insurance, your Internet, your bank—all of these companies offer to add identity monitoring to your account for, say, $7 a month. And you’ve said yes each time because $7 seems pretty good for that perk. But, now you’re paying for identity protection three times over. You don’t need three companies monitoring your identity. That's just wasteful spending.