I am confused about what Adobe says regarding cancellation fees???

I am asking a question regarding the cancellation of plans. At the moment I have 2 plans, one I have been on for a few months and the other for many years. I am now at a point in life where I can no longer afford both plans, and I've been considering canceling both of them.
However, there is a cancelation fee for both, and I am confused about what the site says about it. I get one impression that the fee only occurs depending on when you plan to cancel during that period, but then I see nothing about when to actually cancel to avoid that fee, which leads me to think that fee will always be there.

The cancelation fees are so high that I don't know if I should be canceling now or waiting since I have no idea if these fees are permanent or if they only occur at a certain point each year?