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Question

8. Find Cheaper Beverages to Drink

If you can break your addiction to fancy coffee, the free office coffee can be a money-saver over time. Unwilling to give up out-of-office coffee breaks, some thrifty consumers switch to a cheaper drink at their local Starbucks or other coffee shop. For alcoholic 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.
10. Stop Paying for Premium Cable

Some penny-pinchers cancel cable service entirely to save $100 or more each month. Others lower their bills by cutting out premium movie channels.

11. Drive Less; Consolidate Trips

Think before jumping in the car. By planning and running many errands on the same car trip, you cut your fuel usage. Rather than driving, consider using public transportation, or walk, bike, or rollerblade somewhere nearby.

12. Use Warehouse Stores Wisely

Warehouse stores like Costco or Wal-Mart's Sam's Club can be great places to get deals, but they can also encourage over-spending. "Just make sure you go with a list and only buy those things that you are actually going to consume," financial planner Frank Boucher says. "It makes no sense to get a 'bargain' on a bulk item if you are going to throw half of it away."
13. Lay Down the Law with Your Free-Spending Friends

It can be hard to keep up with wealthier or less thrifty friends. Some financial planners advise cash-strapped clients to seek out social companions with similar budgets. However, if you're honest about your spending limits, true friends should be willing to adjust their plans by, for example, choosing a less pricey restaurant.

14. Find Free Entertainment

Movie rentals, cable TV packages, book purchases, concert tickets—it can all add up. Use your local public library to read books and rent films for free. Depending on where you live, it might also be possible to find free concerts, performances, and readings.

Answer 1

8. Find Cheaper Beverages to Drink
喝便宜的饮料
If you can break your addiction to fancy coffee, the free office coffee can be a money-saver over time. Unwilling to give up out-of-office coffee breaks, some thrifty consumers switch to a cheaper drink at their local Starbucks or other coffee shop. For alcoholic drinks, quality wines, beers, and liquor can be found at lower prices with a little research.
如果你能打破你对专门品牌咖啡的迷恋，办公室咖啡会随着时间的流逝为你节省许多银子。如果不愿意放弃外面所售的咖啡，一些经济型消费者会转向比较便宜的当地的星巴克或其它咖啡厅。至于酒类，只要少花点时间去调查，就能找到价格低一些而且质量不错的红酒、啤酒和白酒。
9. Examine Your Phone Service
检查你的电话服务
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.
你需要同时使用座机和手提电话吗？如果你有手机，你还需要那种长期服务的家庭电话吗？取消一部电话意味着每月少付一张帐单。许多人拥有的一套电话贵得超过他们的需求，所以请仔细检查你的帐单。
10. Stop Paying for Premium Cable
停止使用专用的收费电视线路
Some penny-pinchers cancel cable service entirely to save $100 or more each month. Others lower their bills by cutting out premium movie channels.
有些小气的人干脆掐断线路来节省每月的100美元花销.有些人则减少收看收费电视.
11. Drive Less; Consolidate Trips

Think before jumping in the car. By planning and running many errands on the same car trip, you cut your fuel usage. Rather than driving, consider using public transportation, or walk, bike, or rollerblade somewhere nearby.

12. Use Warehouse Stores Wisely

Warehouse stores like Costco or Wal-Mart's Sam's Club can be great places to get deals, but they can also encourage over-spending. "Just make sure you go with a list and only buy those things that you are actually going to consume," financial planner Frank Boucher says. "It makes no sense to get a 'bargain' on a bulk item if you are going to throw half of it away."
13. Lay Down the Law with Your Free-Spending Friends

It can be hard to keep up with wealthier or less thrifty friends. Some financial planners advise cash-strapped clients to seek out social companions with similar budgets. However, if you're honest about your spending limits, true friends should be willing to adjust their plans by, for example, choosing a less pricey restaurant.

14. Find Free Entertainment

Movie rentals, cable TV packages, book purchases, concert tickets—it can all add up. Use your local public library to read books and rent films for free. Depending on where you live, it might also be possible to find free concerts, performances, and readings.

参考资料：有事下线,有空再来