Use online bill pay. Most banks offer free online bill paying. Save on stamps and checks, and avoid late fees by automating bill payment.
在線支付賬單：大多數(shù)的銀行都提供在線賬單支付業(yè)務(wù)，這樣一來(lái)可省下不少郵戳和支票，還可以通過(guò)自動(dòng)扣費(fèi)業(yè)務(wù)避免繳納滯納金。

Buy frequently used items in bulk. You get a lower per item price and eliminate extra trips to the store later on.
批發(fā)常用物品：批發(fā)既降低了物品單價(jià)，又免得你以后還要一次次往超市跑。

Fully utilize the library. Borrowing books is much cheaper than buying them.
充分利用圖書館：借書當(dāng)然比買書便宜很多很多了。

Cancel magazine/newspaper subscriptions: Re-evaluate your subscriptions. Cancel those you don’t read and consider reading some of the other publications online.
取消雜志、報(bào)刊訂閱：重新為你的訂閱估價(jià)，取消訂閱那些你從不閱讀的報(bào)刊、雜志，考慮一下在線閱讀吧。

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.
少用座機(jī)：如果家里的每個(gè)人都有手機(jī)，你還需要座機(jī)做什么？或者，你也可以使用更廉價(jià)的網(wǎng)絡(luò)電話。

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.
節(jié)省燃油：好好檢查你輪胎的氣壓，堅(jiān)持為汽車做好適當(dāng)?shù)谋ｐB(yǎng)。另外不要高速行駛，即便只將時(shí)速降低5英里/小時(shí)也可以節(jié)省不少油費(fèi)。

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.
增加免賠額：增加業(yè)主和汽車的免賠額會(huì)大大降低保險(xiǎn)費(fèi)用。只是你得確保在緊急情況出現(xiàn)時(shí)，這個(gè)免賠額是你支付得起的。（注：免賠額是指保險(xiǎn)人根據(jù)保險(xiǎn)的條件作出賠付之前，被保險(xiǎn)人先要自己承擔(dān)的損失額度。因?yàn)槊赓r額能消除許多小額索賠，損失理賠費(fèi)用就大為減少，從而可以降低保費(fèi)，所以免賠額條款在財(cái)產(chǎn)、健康和汽車保險(xiǎn)中得到廣泛使用。）

Choose lunch over dinner. If you do want to dine out occasionally, go at lunchtime rather than dinnertime. Lunch prices are usually cheaper.
在外吃飯，宜選中餐而非晚餐：如果你想偶爾出去吃個(gè)飯，請(qǐng)選午飯時(shí)間，因?yàn)槲顼埜阋恕?/div>

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.
購(gòu)買二手貨：小到復(fù)古連衣裙或者電子游戲，大到汽車或者家具，你都可以考慮購(gòu)買二手貨。你經(jīng)常能夠只花原價(jià)的一個(gè)零頭就買到九成新的貨品。

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.
按計(jì)劃購(gòu)物：購(gòu)物前，擬好購(gòu)物清單；購(gòu)物時(shí)，切勿購(gòu)買清單上未列出的商品，除非是碰到一生難遇的買賣。

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.
克服沖動(dòng)消費(fèi)：當(dāng)你有了計(jì)劃之外消費(fèi)的沖動(dòng)時(shí)，強(qiáng)迫自己等上一段時(shí)間，一周以后再看看自己是否仍想購(gòu)買這件物品。

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：你可以要求免單、折扣、或是降低信用卡還款利息。

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.
換新不如修理：網(wǎng)絡(luò)可以給你提供幾乎所有物品的修理方法。先做好必要的準(zhǔn)備工作，再好好發(fā)揮你那雙巧手的無(wú)限潛力吧。

Trade with your neighbors. Borrow tools or equipment that you use infrequently and swap things like babysitting with your neighbors.
與鄰居交換物品：當(dāng)你需要一些不太常用的工具時(shí)，可以試著找你的鄰居借；當(dāng)然，你也可以與鄰居輪流照顧嬰兒。

Swap online. Use sites to trade books, music, and movies with others online.
網(wǎng)絡(luò)換物：借用網(wǎng)絡(luò)來(lái)與他人交換書籍、音樂(lè)和電影光碟。

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：試著每周吃1-2頓無(wú)肉餐，或者每餐少吃點(diǎn)肉。要知道，一餐之中，屬肉最貴。

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.
貨比三家：養(yǎng)成購(gòu)買前先比價(jià)的習(xí)慣，沒(méi)準(zhǔn)你在另一家商店或是網(wǎng)店能買到更便宜的呢。

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.
務(wù)必牢記，省錢并不是小氣吝嗇，它只是把錢存進(jìn)自己的銀行賬戶，而不是送給別人。省錢的方法有很多，有些你絕想不到，而有些則可能不夠吸引你。不妨選取其中一些較為可行的試試，你會(huì)看到“小錢”如何變成“大錢”。多也好，少也罷，總之“省”就對(duì)了。