Why am I being charged .99 every month

That .99 charge is similar to the price of a 50GB iCloud+ subscription.

To downgrade or cancel your iCloud+ subscription, see this guide:

Downgrade or cancel your iCloud+ plan – Apple Support (UK)

Thanks

Hello ~ Take a look here:

Manage subscriptions in the App Store on Mac - Apple Support

Manage App Store purchases, subscriptions, settings, and ...

~Katana-San~

You may have a subscription running,

such as an iCloud subscription, learn to remove it here.

Downgrade or cancel your iCloud+ plan – Apple Support (UK)