Help me find out for what I am continuously being charged $4.99 couple of times per month.

Start here: https://support.apple.com/billing

1. Go into Settings
2. Click your name at the top
3. Click Subscriptions

You should find what your paying for here.

Help me find out for what I am continuously being charged $.99 ! Do I have a need for that charge and what is it?

click on the link in the post just above yours.