I pay...uhh... with my credit card? I'm assuming that you're a kid in High School or something of the like. You'll find that many (if not a majority) of the people on these forums are out of college and in some sort of tech job. Salaries can easily cover the monthly cost

I currently pay each account on the monthly term (5x14.95) but I think I'll go for the 3 month subscription next month.