Regarding Xbox Live

When you buy in bulk like that its all at once.

Sorry

if when you return the subscription is expired, you'll have to renew it. There's nothing else that you can do.

There is no way to put a hold or freeze on your membership it will continue to expire even if you do not use it

As above mate, once it expires, it's gone. Although, that makes for a good idea, there should be an option for a temporary on hold for subscriptions in cases like this.

Hi,

No, sorry, that is not possible.

You can manage your subscriptions via this link:

https://account.microsoft.com/services/