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.

    考虑下以低利率来增加你的可扣款。问问你的代理机构你还可以得到什么样的其他折扣。经常在家工作就代表着可以在汽车保险上省钱。

    2.Financial Fees

    财务费

    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.

    即使现在的银行提供免费存储业务，你是否每月还在继续为你的户头付费呢？特别是如果你办理的是直接存款业务的话，大多数银行都会提供好几种类型的免费储蓄。

    我发现每个月我都交给银行8美元，但是只能享受到银行不免费提供的个别服务（如免费确认支票）.

    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.

    你是否因为银行取款机不方便而要支付ATM费用呢？解决的最简单的方法也许就是看看你存款的银行有没有其他选择，或者将钱存到网上银行，特别是当存款利息对你来说是很重要的时候就更要这样做了。

    3.Cable and Satellite Television

    电视和卫星电视

    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.

    在该行业的激烈的竞争就意味着新产品能够帮你省钱。如今，电视和电话服务商都喜欢将业务捆绑在一起推销，所以在同一家公司办理捆绑业务可以帮你省钱。

    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.

    新客户，不管是否选择捆绑业务，都会得到最优惠的服务，所以有必要的话，可以经常换供应商。但是经常更换供应商的危险就是会使你享受不到折扣。并且，如果你真的想省钱的话，可以考虑下减少付费频道的订购。

    4.Cell Phone

    手机

    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:

    手机公司都会以提供免费手机为名，让你签下两年的花费合约。在你签之前先问问自己：

    （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.）liuxuepaper.com