I feel like I am not asking the right question given the responses to date.  I do not understand your responses.  Let me be as clear as I know how.

I do not want to pay to upgrade or renew my 2024 desktop version for next year.  I want to use it as I have been using it past the "renew" date in September.  Can I do this?  I do not want to convert to the On-Line version of Quickbooks which has been the focus of any conversation - much to my frustration.  

If I can - what do I do to turn off the automatic charge?  If I can't - is there another alternative to avoid the $649 charge?