I get around this in GCP by having a script that spins up a brand new project whenever I want to play around with stuff. When I am done playing around with things, I have a 2nd script that deletes the project and thus all the associated resources that are in use in that project.
Why do you need a script? With CloudFormation (and I assume terraform), you create a file containing all of your resources in a “stack” and you delete the stack when you’re done.
Even working out what I was paying for proved really tricky. Turning it all off involved crawling through a bunch of opaque control panels.
I'm definitely never considering AWS again for a personal project. It's too dangerous. I'm not a company and I don't have corporate level budgets.