How to temporarily stop all DO services and stop paying? and then when necessary renew at the same point?
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Unfortunately, the RAM, CPU, HDD and IP address continue to be reserved and DO incurs a cost for these.
If you want to save your droplet for later use just take a snapshot of it and then destroy it. When you are ready to use it again you can just create a droplet from that snapshot.
https://www.digitalocean.com/docs/images/snapshots/