将房屋重新抵押筹备资金能够为你节省开支成本做出很大的贡献，每月能为你节省上百美元。

    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.

    将房屋重新抵押筹备资金包括了很多成本（如利率点，税收，手续费等）,所以你可能要花几个月甚至上年的时间才能从中看到节省的成本。当然了，如果你不打算在这所房子待很久的话，你这样做就可能损失不少钱。在做成本的再抵押之前一定要慎重考虑好这样做的利弊。

    8.Credit Card Rewards Points

    信用卡积分

    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.

    如果你的信用卡上有积分的话，使用它们。但是要精明的使用这些积分。你要知道信用卡公司之所以提供积分是为了促进你的消费。所以不要为了积分而去消费。为了更快的累积积分，最好的方法是使用一张提供积分的信用卡，而不用很多张信用卡消费。

    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.

    累积积分的好处是也许能够实现你梦想的假期或者其他值得炫耀的奖项，但是风险就是可能商家会终止积分，或你一直没机会使用这些积分。定期使用积分可以帮你节约每月开支。选择反馈现金或礼品卡的消费更有效。

    9.Utility Bills

    水电费

    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.

    正如电话、电视行业那样，你们家的水电费公司如今也面临着前所未有的竞争。在满足需求的前提下，你可以经常性地更换能给你带来更多实惠的煤气或电气供应商，但是你可能为了结算和支付方便一直使用同一家水电公司。但是，这些供应商不可能一直都提供给你最优惠的价格，所以要经常货比三家。

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

    而最传统的节约水电费开支的方法就是尽量节约用水用电。liuxuepaper.com