盘点那些得不偿失的省钱习惯

Shop smart when you're buying in big quantities, she advises. "Items like toilet paper, dishwashing [soap], laundry detergent and trash bags aren’t a problem, but they could be found cheaper by using a service like Amazon Subscribe and Save," she says. "It offers free shipping to your door, and I found is very competitive in price to the warehouse store. It also saves the membership fee." For perishables, Liz Dierking and Jenny Andrews of the tastytrade Financial Network suggest splitting your bulk shopping with a friend or family member so you won't end up tossing unused or expired items.

如果回报太低，迪尔金和安德鲁斯建议至少把一部分储蓄存入一个经纪账户(brokerage account)。如此你不仅可以把储蓄投进低风险基金，甚至根本就不必投资。迪尔金和安德鲁斯说：“经纪账户里没有投资的资金仍然会产生微薄的利息。真正的好处是你把资金放在那里随时都可以进行投资，拥有各种工具和灵活的投资选择，这些都是普通存款账户所没有的。”