Save money painlessly by negotiating discounts for monthly household expenses.

    OK, so you've already cut your monthly budget in an effort to build your savings. Daily lattes are gone, dinners out are rare, and perhaps you're saving money by working at home. What else can you do to cut your monthly household expenses?

    你(ni)正(zheng)在(zai)通(tong)過(guo)節(jie)省(sheng)家(jia)用(yong)開(kai)銷(xiao)來(lai)省(sheng)錢(qian)。那(na)好(hao)吧(ba)
，你(ni)已(yi)經(jing)開(kai)始(shi)減(jian)少(shao)每(mei)月(yue)的(de)預(yu)算(suan)來(lai)努(nu)力(li)存(cun)錢(qian)了(le)。每(mei)天(tian)一(yi)杯(bei)咖(ka)啡(fei)的(de)享(xiang)受(shou)沒(mei)有(you)了(le)，也(ye)不(bu)去(qu)外(wai)麵(mian)餐(can)館(guan)就(jiu)餐(can)了(le)，也(ye)許(xu)你(ni)為(wei)了(le)省(sheng)錢(qian)都(dou)呆(dai)在(zai)家(jia)裏(li)工(gong)作(zuo)了(le)。你(ni)還(hai)可(ke)以(yi)做(zuo)些(xie)什(shen)麼(me)來(lai)節(jie)省(sheng)每(mei)月(yue)家(jia)庭(ting)開(kai)支(zhi)呢(ne)？

    Cutting your monthly budget again doesn't mean trimming necessities; it means saving money on them. That might include trimming grocery costs and comparison shopping for items likes clothes and household goods.

    節jie省sheng每mei月yue的de開kai支zhi預yu算suan並bing不bu是shi說shuo減jian少shao生sheng活huo的de必bi需xu品pin。而er是shi說shuo在zai這zhe些xie上shang麵mian省sheng錢qian。這zhe也ye就jiu意yi味wei著zhe要yao減jian少shao日ri雜za開kai支zhi
，買mai衣yi服fu或huo家jia庭ting用yong品pin的de時shi候hou多duo逛guang幾ji家jia店dian對dui比bi一yi下xia價jia格ge。

    But when you save money on these purchases, each discount only happens once. To really maximize your savings, cut your recurring expenses, and let the savings add up.

    但dan是shi當dang你ni在zai買mai這zhe些xie東dong西xi上shang麵mian省sheng錢qian時shi，隻zhi能neng有you一yi次ci的de打da折zhe機ji會hui。為wei了le真zhen正zheng達da到dao節jie約yue開kai支zhi的de目mu的de，你ni需xu要yao削xue減jian你ni的de日ri常chang開kai支zhi費fei用yong，多duo存cun點dian錢qian。

    Review Your Monthly Budget Expenses

    回顧一下你的每月開支預算

    We tend to think that the costs of goods and services only goes up, but, in fact, they sometimes goes down. Competition and new technology often bring down prices for services like cable, telephone and Internet--giving us an opportunity to cut monthly budget expenses painlessly. So consolidating your business at one company or signing up for bundled services also might mean a discount.

    我(wo)們(men)經(jing)常(chang)會(hui)想(xiang)當(dang)然(ran)的(de)認(ren)為(wei)服(fu)務(wu)以(yi)及(ji)物(wu)價(jia)是(shi)一(yi)直(zhi)上(shang)漲(zhang)的(de)，但(dan)其(qi)實(shi)有(you)時(shi)候(hou)他(ta)們(men)是(shi)會(hui)下(xia)降(jiang)的(de)。競(jing)爭(zheng)以(yi)及(ji)新(xin)的(de)科(ke)技(ji)經(jing)常(chang)會(hui)給(gei)電(dian)視(shi)，電(dian)話(hua)，網(wang)絡(luo)這(zhe)樣(yang)的(de)服(fu)務(wu)行(xing)業(ye)帶(dai)來(lai)降(jiang)價(jia)，這(zhe)就(jiu)提(ti)供(gong)給(gei)我(wo)們(men)每(mei)月(yue)可(ke)以(yi)毫(hao)無(wu)痛(tong)苦(ku)地(di)節(jie)省(sheng)開(kai)支(zhi)的(de)機(ji)會(hui)。所(suo)以(yi)

，隻(zhi)購(gou)買(mai)固(gu)定(ding)的(de)品(pin)牌(pai)或(huo)者(zhe)是(shi)辦(ban)理(li)捆(kun)綁(bang)性(xing)的(de)服(fu)務(wu)都(dou)有(you)可(ke)能(neng)會(hui)給(gei)你(ni)省(sheng)錢(qian)。

    But few companies advertise to existing customers that they have lowered their prices. You have to review these monthly household expenses periodically to be sure you are getting the best deal.

    但(dan)是(shi)很(hen)少(shao)有(you)公(gong)司(si)在(zai)降(jiang)價(jia)後(hou)會(hui)打(da)廣(guang)告(gao)通(tong)知(zhi)客(ke)戶(hu)這(zhe)一(yi)振(zhen)奮(fen)人(ren)心(xin)的(de)消(xiao)息(xi)。所(suo)以(yi)，你(ni)需(xu)要(yao)每(mei)月(yue)都(dou)審(shen)查(zha)這(zhe)些(xie)家(jia)庭(ting)開(kai)支(zhi)預(yu)算(suan)，以(yi)確(que)保(bao)自(zi)己(ji)得(de)到(dao)了(le)最(zui)實(shi)惠(hui)的(de)折(zhe)扣(kou)。

    Here's a list of 10 places to cut your monthly budget:

    以下10招幫你節省每月開支

    1.Insurance

    保險

    Compare prices for auto, home, health, business and life insurance. Consolidating at one insurance company could lower your insurance costs. That might mean you'll need to take your business elsewhere to save money. But before you do, be sure you're getting all the discounts you deserve at your current company.

    比(bi)較(jiao)汽(qi)車(che)保(bao)險(xian)，家(jia)庭(ting)保(bao)險(xian)，健(jian)康(kang)保(bao)險(xian)，商(shang)業(ye)保(bao)險(xian)以(yi)及(ji)人(ren)生(sheng)保(bao)險(xian)的(de)價(jia)格(ge)。在(zai)同(tong)一(yi)家(jia)保(bao)險(xian)公(gong)司(si)買(mai)的(de)話(hua)可(ke)以(yi)降(jiang)低(di)你(ni)的(de)購(gou)買(mai)成(cheng)本(ben)。這(zhe)就(jiu)意(yi)味(wei)著(zhe)你(ni)要(yao)在(zai)別(bie)的(de)地(di)方(fang)省(sheng)錢(qian)。但(dan)是(shi)這(zhe)樣(yang)做(zuo)之(zhi)前(qian)，要(yao)確(que)保(bao)那(na)家(jia)公(gong)司(si)給(gei)了(le)你(ni)最(zui)優(you)惠(hui)的(de)購(gou)買(mai)折(zhe)扣(kou)。

    Consider raising your deductible for lower rates. Ask your agent what other discounts you might qualify for. Often working from home could mean a discount on auto insurance.

    考kao慮lv下xia以yi低di利li率lv來lai增zeng加jia你ni的de可ke扣kou款kuan。問wen問wen你ni的de代dai理li機ji構gou你ni還hai可ke以yi得de到dao什shen麼me樣yang的de其qi他ta折zhe扣kou。經jing常chang在zai家jia工gong作zuo就jiu代dai表biao著zhe可ke以yi在zai汽qi車che保bao險xian上shang省sheng錢qian。

    2.Financial Fees

    財務費

    Are you still paying a monthly fee even though your bank now offers free checking? Particularly if you have direct deposit, most banks offer some type of free checking. I found I was paying $8 month for only a few services （like free certified checks） that weren't available on the bank's free checking program.

    即ji使shi現xian在zai的de銀yin行xing提ti供gong免mian費fei存cun儲chu業ye務wu，你ni是shi否fou每mei月yue還hai在zai繼ji續xu為wei你ni的de戶hu頭tou付fu費fei呢ne？特te別bie是shi如ru果guo你ni辦ban理li的de是shi直zhi接jie存cun款kuan業ye務wu的de話hua，大da多duo數shu銀yin行xing都dou會hui提ti供gong好hao幾ji種zhong類lei型xing的de免mian費fei儲chu蓄xu。

    我發現每個月我都交給銀行8美元，但是隻能享受到銀行不免費提供的個別服務（如免費確認支票）.

    Do you incur ATM fees because your bank's machines are not convenient? It might be as simple as reviewing your current bank's options or you might consider migrating your account to an Internet bank, especially if earning more interest is important to you.

    你是否因為銀行取款機不方便而要支付ATM費(fei)用(yong)呢(ne)？解(jie)決(jue)的(de)最(zui)簡(jian)單(dan)的(de)方(fang)法(fa)也(ye)許(xu)就(jiu)是(shi)看(kan)看(kan)你(ni)存(cun)款(kuan)的(de)銀(yin)行(xing)有(you)沒(mei)有(you)其(qi)他(ta)選(xuan)擇(ze)，或(huo)者(zhe)將(jiang)錢(qian)存(cun)到(dao)網(wang)上(shang)銀(yin)行(xing)
，特(te)別(bie)是(shi)當(dang)存(cun)款(kuan)利(li)息(xi)對(dui)你(ni)來(lai)說(shuo)是(shi)很(hen)重(zhong)要(yao)的(de)時(shi)候(hou)就(jiu)更(geng)要(yao)這(zhe)樣(yang)做(zuo)了(le)。

    3.Cable and Satellite Television

    電視和衛星電視

    Competition in this industry means that new packages are available that could save you money. Television and phone service providers are now bundling together their services, so consolidating your phone and TV services at one company may save money.

    在(zai)該(gai)行(xing)業(ye)的(de)激(ji)烈(lie)的(de)競(jing)爭(zheng)就(jiu)意(yi)味(wei)著(zhe)新(xin)產(chan)品(pin)能(neng)夠(gou)幫(bang)你(ni)省(sheng)錢(qian)。如(ru)今(jin)，電(dian)視(shi)和(he)電(dian)話(hua)服(fu)務(wu)商(shang)都(dou)喜(xi)歡(huan)將(jiang)業(ye)務(wu)捆(kun)綁(bang)在(zai)一(yi)起(qi)推(tui)銷(xiao)，所(suo)以(yi)在(zai)同(tong)一(yi)家(jia)公(gong)司(si)辦(ban)理(li)捆(kun)綁(bang)業(ye)務(wu)可(ke)以(yi)幫(bang)你(ni)省(sheng)錢(qian)。

    New customers, whether bundling services or not, usually get the best deals, so it may be necessary to switch providers. But sometimes threatening to switch will net you a discount. Also, if you're really serious about saving money, consider downgrading your package by cutting out pay cable channels.

    xinkehu
，buguanshifouxuanzekunbangyewu
，douhuidedaozuiyouhuidefuwu，suoyiyoubiyaodehua
，keyijingchanghuangongyingshang。danshijingchanggenghuangongyingshangdeweixianjiushihuishinixiangshoubudaozhekou。bingqie，ruguonizhendexiangshengqiandehua
，keyikaolvxiajianshaofufeipindaodedinggou。

    4.Cell Phone

    手機

    Cell phone companies love to offer free phones to induce you to sign up for another two-year contract. Before you renew your contract ask yourself a few questions:

    手機公司都會以提供免費手機為名，讓你簽下兩年的花費合約。在你簽之前先問問自己：

    （1）Do you really need a new phone and what is the hidden cost up sticking with your plan to get it? （I got my cell phone from Ebay for $30 rather than take the free one and the two-year contract.）

    你真的需要一個新手機嗎？在你得到這個手機的背後你要付出多少成本？（我寧願從易趣網上花30美元買個手機，而不願要一個免費的手機和兩年的花費合同）.

    （2）Are you using all the minutes allotted?

    你用得完所有的通話時間嗎？

    （3）Are you paying for Internet and texting but not using it enough to justify the cost? Or are you using it so much that another plan might be a better deal?

    你是否支付了過多的短信費和手機流量費？或者你是否每個月都超支，換選另外一種套餐也許是更實惠的做法。

    （4）Would a cheaper plan or a prepaid cell phone serve you just as well?

    是不是有適合你的更便宜的套餐或者付費電話服務呢
？

    5.Telephone

    電話

    Many people are getting rid of their landlines entirely. However, if you work out of your home, this may not be a feasible option. But if you have a separate fax line, you might consider discontinuing it. With a scanner, you can email documents as PDFs instead of faxing.

    很(hen)多(duo)人(ren)已(yi)經(jing)完(wan)全(quan)淘(tao)汰(tai)了(le)座(zuo)機(ji)電(dian)話(hua)。但(dan)是(shi)

，這(zhe)對(dui)失(shi)業(ye)在(zai)家(jia)的(de)你(ni)來(lai)說(shuo)可(ke)是(shi)個(ge)行(xing)不(bu)通(tong)的(de)選(xuan)擇(ze)。但(dan)是(shi)如(ru)果(guo)你(ni)有(you)獨(du)立(li)的(de)傳(chuan)真(zhen)電(dian)話(hua)的(de)話(hua)，你(ni)可(ke)以(yi)考(kao)慮(lv)淘(tao)汰(tai)座(zuo)機(ji)。而(er)有(you)掃(sao)描(miao)儀(yi)的(de)話(hua)，你(ni)又(you)可(ke)以(yi)不(bu)用(yong)發(fa)傳(chuan)真(zhen)，而(er)是(shi)將(jiang)文(wen)件(jian)掃(sao)描(miao)成(cheng)PDF檔電郵給客戶。

    Like cable and Internet providers, landline phone service packages keep getting cheaper as more competition comes on the market. Consider VOIP or cable phone services. If you do stay with your traditional telephone company, be sure you are getting the cheapest long distance service and not paying for services you don't need.

    正zheng如ru電dian視shi和he網wang絡luo商shang家jia那na樣yang
，因yin為wei市shi場chang上shang激ji烈lie的de競jing爭zheng，很hen多duo電dian話hua商shang家jia所suo提ti供gong的de產chan品pin也ye是shi越yue來lai越yue便bian宜yi。考kao慮lv下xia使shi用yong網wang絡luo電dian話hua或huo者zhe電dian纜lan電dian話hua吧ba。如ru果guo你ni一yi定ding要yao堅jian持chi使shi用yong傳chuan統tong的de電dian話hua的de話hua，確que保bao你ni得de到dao的de長chang途tu電dian話hua收shou費fei是shi最zui優you惠hui的de，另ling外wai，不bu要yao為wei不bu需xu要yao的de服fu務wu付fu費fei。

    6.Internet Provider

    互聯網供應商

    Shopping around for a better package of telephone services might also save you on your Internet access if you use DSL. But there are many other options for Internet services including cable, satellite and a whole host of wireless Internet options.

    使用DSLzaiwangshangsichuguangguang，zhaoyizhaogengbianyidedianhuafuwuyekeyibangnijieshengkaizhi。danshiniyekeyishiyongqitadewangluofuwu

，rudianshi，weixingdengyizhengtaodewangluofuwu。

    The Internet is a telecommuter's lifeline, so do your research first. Be sure if you change service providers the new one will offer the services and reliability your business needs.

    網wang絡luo是shi遠yuan程cheng通tong訊xun工gong具ju，所suo以yi先xian要yao在zai網wang上shang做zuo好hao搜sou索suo工gong作zuo。確que保bao如ru果guo你ni更geng換huan供gong應ying商shang的de話hua，新xin的de供gong應ying商shang會hui在zai滿man足zu你ni業ye務wu需xu求qiu的de前qian提ti下xia更geng可ke靠kao的de提ti供gong給gei最zui優you惠hui的de服fu務wu。

    7.Refinance Your Home

    將你的房屋重新抵押籌備資金

    Refinancing your home can cut your monthly budget expenses the most significantly, sometimes saving you hundreds of dollars per month.

    將房屋重新抵押籌備資金能夠為你節省開支成本做出很大的貢獻，每月能為你節省上百美元。

    But refinancing involves many upfront costs （interest points, taxes, fees, etc.）, so it may take several months （or even years） for you to actually realize these savings. And if you're not planning to stay in the house for long, you could actually lose money on refinancing. Carefully consider the pros and cons of refinancing your home before taking this cost-cutting step.

    將房屋重新抵押籌備資金包括了很多成本（如利率點，稅收，手續費等）,suoyinikenengyaohuajigeyueshenzhishangniandeshijiancainengcongzhongkandaojieshengdechengben。dangranle，ruguonibudasuanzaizhesuofangzidaihenjiudehua，nizheyangzuojiukenengsunshibushaoqian。zaizuochengbendezaidiyazhiqianyidingyaoshenzhongkaolvhaozheyangzuodelibi。

    8.Credit Card Rewards Points

    信用卡積分

    If you have a credit card with rewards points, use them. But use them wisely. Keep in mind that credit card companies offer points to induce you spend more. So don't pay more （by racking up interest or fees） in order to get rewards points. To accumulate points faster, concentrate your spending on the one card that offers the reward you will use （for me that's the one with Home Depot gift cards） rather than spreading your spending among several cards.

    ruguonidexinyongkashangyoujifendehua，shiyongtamen。danshiyaojingmingdeshiyongzhexiejifen。niyaozhidaoxinyongkagongsizhisuoyitigongjifenshiweilecujinnidexiaofei。suoyibuyaoweilejifenerquxiaofei。weilegengkuaideleijijifen，zuihaodefangfashishiyongyizhangtigongjifendexinyongka，erbuyonghenduozhangxinyongkaxiaofei。

    Saving rewards points for your dream vacation or another splurge runs the risk of the points expiring or never being used. Using points on a regular basis helps you cut your monthly expenses. Consider using rewards systems that pay cash or offer gift cards that you will actually use.

    累lei積ji積ji分fen的de好hao處chu是shi也ye許xu能neng夠gou實shi現xian你ni夢meng想xiang的de假jia期qi或huo者zhe其qi他ta值zhi得de炫xuan耀yao的de獎jiang項xiang，但dan是shi風feng險xian就jiu是shi可ke能neng商shang家jia會hui終zhong止zhi積ji分fen，或huo你ni一yi直zhi沒mei機ji會hui使shi用yong這zhe些xie積ji分fen。定ding期qi使shi用yong積ji分fen可ke以yi幫bang你ni節jie約yue每mei月yue開kai支zhi。選xuan擇ze反fan饋kui現xian金jin或huo禮li品pin卡ka的de消xiao費fei更geng有you效xiao。

    9.Utility Bills

    水電費

    Like phone and cable industries, your utility company likely has more competition than it once did. Often you can change gas or electric suppliers for a better price on your energy needs, while still remaining a customer of the same utility company for billing and delivery purposes. However, these other suppliers don't always have a better price so be sure to do some comparison shopping.

    正如電話、電(dian)視(shi)行(xing)業(ye)那(na)樣(yang)，你(ni)們(men)家(jia)的(de)水(shui)電(dian)費(fei)公(gong)司(si)如(ru)今(jin)也(ye)麵(mian)臨(lin)著(zhe)前(qian)所(suo)未(wei)有(you)的(de)競(jing)爭(zheng)。在(zai)滿(man)足(zu)需(xu)求(qiu)的(de)前(qian)提(ti)下(xia)，你(ni)可(ke)以(yi)經(jing)常(chang)性(xing)地(di)更(geng)換(huan)能(neng)給(gei)你(ni)帶(dai)來(lai)更(geng)多(duo)實(shi)惠(hui)的(de)煤(mei)氣(qi)或(huo)電(dian)氣(qi)供(gong)應(ying)商(shang)
，但(dan)是(shi)你(ni)可(ke)能(neng)為(wei)了(le)結(jie)算(suan)和(he)支(zhi)付(fu)方(fang)便(bian)一(yi)直(zhi)使(shi)用(yong)同(tong)一(yi)家(jia)水(shui)電(dian)公(gong)司(si)。但(dan)是(shi)，這(zhe)些(xie)供(gong)應(ying)商(shang)不(bu)可(ke)能(neng)一(yi)直(zhi)都(dou)提(ti)供(gong)給(gei)你(ni)最(zui)優(you)惠(hui)的(de)價(jia)格(ge)
，所(suo)以(yi)要(yao)經(jing)常(chang)貨(huo)比(bi)三(san)家(jia)。

    But the old-fashioned way to save on utility costs is simply to conserve electricity or waste less water.

    而最傳統的節約水電費開支的方法就是盡量節約用水用電。

    10.Credit Card Interest Expense

    信用卡利息

    Monthly interest can be a huge expense for those with a large debt. Making only a minimum payment means the monthly interest eats up most of your payment. Reducing interest can mean more money for other expenses or paying off debt faster.

    meiyueruguoniyoudaliangfuzhaidehuakendinghuichanshengjudadelixi。baodixiaofeijiuyiweizhenimeiyuededabufenxiaofeidoushiyonglaizhifulixide。nikeyitongguoqitaxiaofeihuozaoyidianhaiqingdaikuanlaijiangdilixi。

    One way to lower your interest is to simply ask for a lower interest rate. Companies will often oblige to keep your business. If they don't, consider a balance transfer to another card with a better rate. Read the fine print, though, balance transfers sometimes offer rates that go up after a period of time and usually involve fees.

    jianshaolixizuijiandandefangfajiushixiangxinyongkagongsiyaoqiugengdidechanghailixi。zhexiegongsiweilebaozhukehu，huidayingnideyaoqiu。ruguotamenbutongyidehua
，jiujiangxinyongkadezhangmuzhuandaolingyizhanglixigenghaodexinyongkashang。danshi，yaokanqingchuwenjian
，yinweijieyuzhuanhuyoushihouzaiyidingshiqihoulilvhuigenggao
，bingqiedouhuichanshengshouxufei。