让你每个月节省更多的25个方法

 25 Ways to Save More Each Month

by Ben Steverman

Friday, August 8, 2008

provided by

BusinessWeek

The more we spend unnecessarily, the less money we save for our true priorities and future needs. That's especially important in challenging economic times. BusinessWeek asked financial advisors¹ for tips on how to reduce expenses and boost savings². Changing spending habits can be difficult, but here are 25 suggestions to get started.

1. Track Every Expense

Financial advisors say the best way to control your spending is to know precisely³ where all your cash is going each month. There are several options: Make a budget; keep a spreadsheet of all spending; or buy a computer program designed to help manage your finances.

2. Vacation in the Off-season

Reston (Va.)-based financial planner Frank Boucher says he is taking his beach vacation in early September, when he found a luxury condo for half its cost during July and August. Vacationers can also save by staying with friends or visiting low-cost locations like developing countries.

3. Cut Out Investment Charges and Fees

Jeff Seymour of Triangle Wealth Management in Cary, N.C., points out that many investors⁴ end up paying 2% to 3% off the top each year for investing costs. Lower-cost mutual⁵ funds and index funds can slash⁶ that bill, savings that compound over several decades of investing.

Also, save more by taking full advantage of your employer's matching contribution to your 401(k) account.

4. Cut Back on Eating Out

Food is a daily expense that can add up quickly over time, so office workers can save a lot just by bringing their lunches to work rather than buying every day. Meals eaten at home almost always cost less than evenings out, even at more casual restaurants.

5. Downsize Your Car

Drivers stuck with a gas-guzzling SUV might consider selling it and finding more fuel-efficient wheels. (Of course, that could mean a financial hit given falling prices for the behemoths.) You can save on fuel and also on auto⁷ loan payments. High car payments are a frequent budget-buster, financial advisors say.

6. Cut Utility Bills, Especially Electricity

Experts are full of advice on lowering electricity and heating bills: Buy efficient light bulbs; lower the thermostat⁸; turn off the air conditioning whenever possible; turn off lights and unplug appliances when not needed.

7. Make Sure You Don't Have Too Much Insurance

Life insurance can be a bad deal if you don't have dependents. For auto and home insurance, deductibles are often too low, advisors say. "You can save quite a bit by going from a $250 to $1,000 deductible," says Kirk Kinder of Picket⁹ Fence Financial in Bel Air, Md. "Also, shopping these for prices every couple years is important."

8. Find Cheaper Beverages¹⁰ to Drink

If you can break your addiction¹¹ to fancy coffee, the free office coffee can be a money-saver over time. Unwilling¹² to give up out-of-office coffee breaks, some thrifty¹³ consumers switch to a cheaper drink at their local Starbucks or other coffee shop. For alcoholic¹⁴ drinks, quality wines, beers, and liquor can be found at lower prices with a little research.

9. Examine Your Phone Service

Do you need both a landline and a mobile phone? If you have a cell phone, do you need long-distance service on your home phone? Canceling one line could mean one less bill every month. Many people have phone packages that are too expensive for their needs, so read your bill carefully.

1 advisors   

n.顾问，劝告者( advisor的名词复数 )；（指导大学新生学科问题等的）指导教授

参考例句：

• The governors felt that they were being strung along by their advisors. 地方长官感到他们一直在受顾问们的愚弄。 来自《现代汉英综合大词典》
• We will consult together with advisors about her education. 我们将一起和专家商议她的教育事宜。 来自互联网

2 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

3 precisely   

adv.恰好，正好，精确地，细致地

参考例句：

• It's precisely that sort of slick sales-talk that I mistrust.我不相信的正是那种油腔滑调的推销宣传。
• The man adjusted very precisely.那个人调得很准。

4 investors   

n.投资者，出资者( investor的名词复数 )

参考例句：

• a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
• a cash bonanza for investors 投资者的赚钱机会

5 mutual   

adj.相互的，彼此的；共同的，共有的

参考例句：

• We must pull together for mutual interest.我们必须为相互的利益而通力合作。
• Mutual interests tied us together.相互的利害关系把我们联系在一起。

6 slash   

vi.大幅度削减；vt.猛砍，尖锐抨击，大幅减少；n.猛砍，斜线，长切口，衣衩

参考例句：

• The shop plans to slash fur prices after Spring Festival.该店计划在春节之后把皮货降价。
• Don't slash your horse in that cruel way.不要那样残忍地鞭打你的马。

7 auto   

n.(=automobile)(口语)汽车

参考例句：

• Don't park your auto here.别把你的汽车停在这儿。
• The auto industry has brought many people to Detroit.汽车工业把许多人吸引到了底特律。

8 thermostat   

n.恒温器

参考例句：

• The thermostat is connected by a link to the carburetor.恒温控制器是由一根连杆与汽化器相连的。
• The temperature is controlled by electronic thermostat with high accuracy.电子恒温器，准确性高。

9 picket   

n.纠察队；警戒哨；v.设置纠察线；布置警卫

参考例句：

• They marched to the factory and formed a picket.他们向工厂前进,并组成了纠察队。
• Some of the union members did not want to picket.工会的一些会员不想担任罢工纠察员。

10 beverages   

n.饮料( beverage的名词复数 )

参考例句：

• laws governing the sale of alcoholic beverages 控制酒类销售的法规
• regulations governing the sale of alcoholic beverages 含酒精饮料的销售管理条例

11 addiction   

n.上瘾入迷，嗜好

参考例句：

• He stole money from his parents to feed his addiction.他从父母那儿偷钱以满足自己的嗜好。
• Areas of drug dealing are hellholes of addiction,poverty and murder.贩卖毒品的地区往往是吸毒上瘾、贫困和发生谋杀的地方。

12 unwilling   

adj.不情愿的

参考例句：

• The natives were unwilling to be bent by colonial power.土著居民不愿受殖民势力的摆布。
• His tightfisted employer was unwilling to give him a raise.他那吝啬的雇主不肯给他加薪。

13 thrifty   

adj.节俭的；兴旺的；健壮的

参考例句：

• Except for smoking and drinking,he is a thrifty man.除了抽烟、喝酒，他是个生活节俭的人。
• She was a thrifty woman and managed to put aside some money every month.她是个很会持家的妇女，每月都设法存些钱。

14 alcoholic   

adj.（含）酒精的，由酒精引起的；n.酗酒者

参考例句：

• The alcoholic strength of brandy far exceeds that of wine.白兰地的酒精浓度远远超过葡萄酒。
• Alcoholic drinks act as a poison to a child.酒精饮料对小孩犹如毒药。