Still being charged for music

Even if you are subscribed to Apple Music you are still allowed to purchase music from the iTunes Store. See the following for explanation of how to use Apple Music without additional charges and also how to purchase music: Add and download music from Apple Music or buy music from the iTunes Store - Apple Support

No -- I said that you are still allowed to -- in other words, having a subscription doesn't prevent you from buying music if you want to do that; but you don't have to buy music. It is your choice.

Some people who subscribe also want to buy music because the rights to listen to Apple Music expire if they end their subscription while the rights to listen to purchased music do not expire.

If you click on the link I provided, it has instructions on two things -- 1) listening without additional charges and 2) buying music.

See the following for explanation of how to use Apple Music without additional charges and also how to purchase music: Add and download music from Apple Music or buy music from the iTunes Store - Apple Support