省钱要从点滴做起：教你33种省钱妙招

Use online bill pay. Most banks offer free online bill paying. Save on stamps and checks, and avoid late fees by automating bill payment.

在线支付账单：大多数的银行都提供在线账单支付业务，这样一来可省下不少邮戳和支票，还可以通过自动扣费业务避免缴纳滞纳金。

Buy frequently used items in bulk. You get a lower per item price and eliminate extra trips to the store later on.

批发常用物品：批发既降低了物品单价，又免得你以后还要一次次往超市跑。

Fully utilize the library. Borrowing books is much cheaper than buying them.

充分利用图书馆：借书当然比买书便宜很多很多了。

Cancel magazine/newspaper subscriptions: Re-evaluate your subscriptions. Cancel those you don’t read and consider reading some of the other publications online.

取消杂志、报刊订阅：重新为你的订阅估价，取消订阅那些你从不阅读的报刊、杂志，考虑一下在线阅读吧。

Get rid of your land-line. Do you really need a land-line anymore if everyone in the family has a cell phone? Alternatively, look into using VOIP or getting a cheaper plan.

少用座机：如果家里的每个人都有手机，你还需要座机做什么？或者，你也可以使用更廉价的网络电话。

Better fuel efficiency. Check the air pressure in your tires, keep up with proper auto maintenance, and slow down. Driving even 5MPH slower will result in better fuel mileage.

节省燃油：好好检查你轮胎的气压，坚持为汽车做好适当的保养。另外不要高速行驶，即便只将时速降低5英里/小时也可以节省不少油费。

Increase your deductibles. Increasing the insurance deductibles on your homeowners and auto insurance policies lowers premiums significantly. Just make sure you choose a deductible that you can afford should an emergency happen.

增加免赔额：增加业主和汽车的免赔额会大大降低保险费用。只是你得确保在紧急情况出现时，这个免赔额是你支付得起的。（注：免赔额是指保险人根据保险的条件作出赔付之前，被保险人先要自己承担的损失额度。因为免赔额能消除许多小额索赔，损失理赔费用就大为减少，从而可以降低保费，所以免赔额条款在财产、健康和汽车保险中得到广泛使用。）

Choose lunch over dinner. If you do want to dine out occasionally, go at lunchtime rather than dinnertime. Lunch prices are usually cheaper.

在外吃饭，宜选中餐而非晚餐：如果你想偶尔出去吃个饭，请选午饭时间，因为午饭更便宜。

Buy used: Whether it’s something small like a vintage dress or a video game or something big like a car or furniture, consider buying it used. You can often get “nearly new” for a fraction of the cost.

购买二手货：小到复古连衣裙或者电子游戏，大到汽车或者家具，你都可以考虑购买二手货。你经常能够只花原价的一个零头就买到九成新的货品。

Stick to the list. Make a list before you go shopping and don’t buy anything that’s not on the list unless it’s a once in a lifetime, killer deal.

按计划购物：购物前，拟好购物清单；购物时，切勿购买清单上未列出的商品，除非是碰到一生难遇的买卖。

Tame the impulse. Use a self-enforced waiting period whenever you’re tempted to make an unplanned purchase. Wait for a week and see if you still want the item.

克服冲动消费：当你有了计划之外消费的冲动时，强迫自己等上一段时间，一周以后再看看自己是否仍想购买这件物品。

Don’t be afraid to ask. Ask to have fees waived, ask for a discount, ask for a lower interest rate on your credit card.

不怕提要求：你可以要求免单、折扣、或是降低信用卡还款利息。

Repair rather than replace. You can find directions on how to fix almost anything on the internet. Do your homework, and then bring out your inner handyman.

换新不如修理：网络可以给你提供几乎所有物品的修理方法。先做好必要的准备工作，再好好发挥你那双巧手的无限潜力吧。

Trade with your neighbors. Borrow tools or equipment that you use infrequently and swap things like babysitting with your neighbors.

与邻居交换物品：当你需要一些不太常用的工具时，可以试着找你的邻居借；当然，你也可以与邻居轮流照顾婴儿。

Swap online. Use sites to trade books, music, and movies with others online.

网络换物：借用网络来与他人交换书籍、音乐和电影光碟。

Cut back on the meat. Try eating a one or two meatless meals every week or cut back on the meat portions. Meat is usually the most expensive part of the meal.

少吃肉：试着每周吃1-2顿无肉餐，或者每餐少吃点肉。要知道，一餐之中，属肉最贵。

Comparison shop: Get in the habit of checking prices before you buy. See if you can get a better price at another store or look online.

货比三家：养成购买前先比价的习惯，没准你在另一家商店或是网店能买到更便宜的呢。

Remember that saving money is not about being cheap or stingy; it’s about putting money into your bank account rather than giving it to someone else. There are many ways to save money, some you’ve never thought of, and some that won’t appeal or apply to you. Just pick a few of the ideas that sound doable and watch the savings add up. Save big, save small, but save wherever you can.

务必牢记，省钱并不是小气吝啬，它只是把钱存进自己的银行账户，而不是送给别人。省钱的方法有很多，有些你绝想不到，而有些则可能不够吸引你。不妨选取其中一些较为可行的试试，你会看到“小钱”如何变成“大钱”。多也好，少也罢，总之“省”就对了。