停止浪费钱

Benjamin Franklin once said, “a penny saved is a penny earned.” The modern upgrade to that observation might be that $100 not spent is more like $143.¹

One way to find the money to meet your spending or saving needs is to examine your current spending habits and consider eliminating money wasters.

上浪费钱

1. Bargain Shopping…and its Expensive Cousin, Impulse Buying:
   Fire sales and impulse buying (such as products sold on infomercials) can be money wasters, made worse by how often they sit idly in a closet or drawer.
2. 未使用订阅服务:
   It can be tempting to sign up for the “free trials” many subscription services offer, but don’t forget to cancel after your trial period is up. Forgotten subscription services can eat away at your wealth when you don't value the subscription anymore. 例如, three $30-per-month subscriptions don't sound like much until you realize they total nearly $1,每年100.²
3. 电缆和细胞:
   Call your provider and see if it’s possible to negotiate a new rate. Cell providers, who face stiff competition, may be responsive. 有线电视公司可能不会这么做, especially if they are a single provider, but you can review your package and make sure you are not paying for service you don’t want.
4. 支付水:
   Switching from an essentially free product to one that may cost up to $1.每天50美元或更多才是真正的预算泄露. Consider purchasing a reusable container and using that during the day.
5. 极品咖啡:
   $4 or $5 a day may not seem like a lot of money, but when Americans step into a gourmet coffee shop, they may often buy more than just the coffee. 考虑自己酿造. It can be ready before you leave for work, and it’ll save you the wait in the drive-through line!
6. 吃:
   While dining out may be one of life’s pleasures, eating out is often less about socialization and more about convenience. Twice a week may not seem like much, but over time it can add up. Try tracking your dining-out expenses for a week. You may be shocked at how fast costs add up. 

1. This is a hypothetical example that assumes a 30% tax rate. The example is used for illustrative purposes only. It is not representative of any specific tax rate or combination of tax rates.
2. Businessinsider.com, 4月19日

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