Have you considered... not subscribing? You can ask the top models via chats for specific stuff, and then set up some free CLI like mistral.
If you're trying to make a buck while unemployed, sure get a subscription. Otherwise learn how to work again without AI, just focus on the interesting stuff.
I just want to try to make something useful out of my time, that's why I'm subscribed to Codex at the moment. 20€ is affordable, not really a problem. But yes, maybe I would do me a favor unsubscribing and going back to the old ways to learn properly.
I'm "working" on some open source stuff with minimal AI. But I will probably cave in at some point and get a subscription again, the moment I need to spin up a mountain of garbage, fast.