别说没告诉你：不知道这些省钱妙招你就亏大了

　　从某种程度上而言，挣钱和花钱是成年人的一种责任。虽然绝大部多数人擅长挣钱和花钱，但在省钱的问题上却犯了难。实际上，生活中有很多简单却行之有效的省钱小技巧，可以助你的省钱大计再上一个新的台阶。那么，这些小技巧都有哪些呢？

　　建议每半年整理一次零钱，然后把它们集中起来。最后，将这些零星积攒的零钱统一存入储蓄账户。

　　第二、更换网络服务商

　　打电话给网络服务商，详细咨询一下其能提供的服务包业务。一旦发现有收费更低的服务，便可考虑更换网络服务商。

　　致电信用卡发卡行，申请免除信用卡年费。建议拨打信用卡背面提供的客服电话，并详细咨询客服代表。如果发卡行表示不能免除年费，那么你可表露出停用该信用卡的意思。

　　第四、尽快还清信用卡账单

　　如果你持有多张信用卡，建议先还清可用额度最少的那一张，然后再还可用额度次之的那一张，以此类推，最终要还清所有的信用卡。如果不能如期支付信用卡账单，那么根据个人欠款额不同，每年需要上缴的信用卡利息和逾期费用为几百至几千美元不等，真不是笔小数目呢！

　　对于一些可以从图书馆租或借的书籍、电影和音乐，坚决不买。

　　第六、出行尽量少开车

　　出行时，建议尽量步行、骑自行车或乘坐交通工具。这样一来，你省下的可不止燃油费和保养费，汽车磨损也会减少。

　　想看电影？租个影碟在家看，连去电影院的钱都省了。此外，尽量减少外出“下馆子”的次数，次数减少以一半为宜。据统计，如能减少外出就餐次数，每个家庭每年约能省下1000美元。.

　　第八、购买二手物品

　　如果个人或家庭需要某些物品，建议前去旧物寄卖店、宅前甩卖地淘一淘，或上网搜一搜，一般情况下都可以搞定。

　　关于戒烟计划，建议找医疗人士好好聊一聊。必要情况下，可考虑加入当地的戒烟组织寻求帮助。据统计，一包烟的价格约为5美元，如果一天吸一包烟，那么一年下来吸烟费用便高达1800美元。当然，这其中未包括开车去商店买烟的燃油费，以及买烟时顺手购买物品的其他消费。除可省下大笔的医疗费外，戒烟最重要的好处之一是，你可以活的更久更健康！

　　原文：

　　Smart Ways to Save Money

　　Dealing with money and expenses is a responsibility every adult has to take on at some point. While earning and spending money are the tasks most people are familiar with, saving money often presents a challenge. The fact is there are many simple, everyday methods for saving money. The simplest ways are also the smartest because they represent the repetitive habits that will help you save money throughout your entire life.

　　1. Save your spare change.

　　Ask for paper coin rollers at your bank. Sort the change every six months, stack it in the rollers and then deposit the total into your savings account.

　　2. Bundle your electronic services.

　　Call your cable provider and ask what kind of bundling packages they offer. Switch your service providers if a package program costs less. Experts at "Money" magazine estimate you can save up to 25 percent by ordering phone, cable and Internet service from one provider compared to paying separately.

　　3. Call your credit card issuers and ask them to waive your annual fees.

　　Find the number for customer service on the back of your credit card and speak to a customer service agent. Tell them you are considering canceling the card if the fee cannot be negotiated.

　　4. Pay off credit card debt as quickly as possible.

　　Pay as much over the minimum payment as you can afford to reduce balances more quickly. If you owe on more than one card, pay off the smallest balance first, then apply that usual payment to your next smallest balance and continue until all of your cards