Q: being charged 19.95 a month

You already know that you are talking to fellow users on here, we won't know what you've subscribed to. Have you looked at your account(s) purchase history : See your purchase history in the iTunes Store on a Mac or PC - Apple Support ? And, if nothing shows on your account(s), family members accounts if you are a family organiser in family sharing ?

Well I suppose I could wildly guess what might cost 19.95

19.95 what by the way? Yen? Rubles? Dinar?

View, change, or cancel your subscriptions - https://support.apple.com/kb/HT202039 - "Learn how to view your subscriptions that renew automatically, change your subscription period, and turn off Automatic Renewal.