I'm cheating on one of these, but hopefully my explanation makes sense.
I've been cutting subscriptions for years. These free apps are just better.
If Windows is your preferred operating system, consider these open-source apps. There are numerous open-source apps available for almost any task. These are all free to install and use on Windows.
The Windows Subsystem for Linux (WSL) is a set of software tools that basically lets you install and run native Linux applications on a Windows PC without rebooting ...
No credit card needed.