你真的需要一个新手机吗？在你得到这个手机的背后你要付出多少成本？（我宁愿从易趣网上花30美元买个手机，而不愿要一个免费的手机和两年的花费合同）.
（2）Are you using all the minutes allotted?
你用得完所有的通话时间吗？
（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?
你是否支付了过多的短信费和手机流量费？或者你是否每个月都超支，换选另外一种套餐也许是更实惠的做法。
（4）Would a cheaper plan or a prepaid cell phone serve you just as well?
是不是有适合你的更便宜的套餐或者付费电话服务呢？
5.Telephone
电话
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.
很多人已经完全淘汰了座机电话。但是，这对失业在家的你来说可是个行不通的选择。但是如果你有独立的传真电话的话，你可以考虑淘汰座机。而有扫描仪的话，你又可以不用发传真，而是将文件扫描成PDF档电邮给客户。
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.
正如电视和网络商家那样，因为市场上激烈的竞争，很多电话商家所提供的产品也是越来越便宜。考虑下使用网络电话或者电缆电话吧。如果你一定要坚持使用传统的电话的话，确保你得到的长途电话收费是最优惠的，另外，不要为不需要的服务付费。
6.Internet Provider
互联网供应商
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DSL在网上四处逛逛，找一找更便宜的电话服务也可以帮你节省开支。但是你也可以使用其他的网络服务，如电视，卫星等一整套的网络服务。
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.
网络是远程通讯工具，所以先要在网上做好搜索工作。确保如果你更换供应商的话，新的供应商会在满足你业务需求的前提下更可靠的提供给最优惠的服务。
7.Refinance Your Home
将你的房屋重新抵押筹备资金
Refinancing your home can cut your monthly budget expenses the most significantly, sometimes saving you hundreds of dollars per month.liuxuepaper.com