盘点那些得不偿失的省钱习惯

Taking Advantage of Loyalty Program Discounts

利用客户忠诚计划提供的折扣

Being a loyal customer can win your brownie points with major companies—or even give you a break on fees and services. However, not all of them will actually save you money, Kuehner says. "It’s the perception that loyalty gives you a better deal," she explains. "I was recently helping someone with their budget, and when I suggested shopping around for insurance, they axed the suggestion quickly, saying they get a discount for being a long-time customer, so it would be cheaper than anything around. They were wrong — they could get the same coverage elsewhere for almost $100 per month less." Her advice? "Shop around for insurance, and save the loyalty for your family and friends."

作为忠诚客户，你可以在大公司获得积分，甚至在手续费、服务方面享受价格减免。但屈纳说，并不是这一切都真的就会让你省钱。她说：“忠诚度让你获得更大优惠有时只是你的一厢情愿。最近我帮人制定预算，当我建议他们在选保险的时候货比三家时，他们打断话头，表示作为长期客户可以享受折扣，所以比其他家的都会便宜。他们错了，同样的保险在其他地方差不多一个月可以省下100美元。”她的建议？“选保险时货比三家，把忠诚留给家人和朋友吧。”