Save money painlessly by negotiating discounts for monthly household expenses.

    OK, so you've already cut your monthly budget in an effort to build your savings. Daily lattes are gone, dinners out are rare, and perhaps you're saving money by working at home. What else can you do to cut your monthly household expenses?

    你正在通过节省家用开销来省钱。那好吧，你已经开始减少每月的预算来努力存钱了。每天一杯咖啡的享受没有了，也不去外面餐馆就餐了，也许你为了省钱都呆在家里工作了。你还可以做些什么来节省每月家庭开支呢？

    Cutting your monthly budget again doesn't mean trimming necessities; it means saving money on them. That might include trimming grocery costs and comparison shopping for items likes clothes and household goods.

    节省每月的开支预算并不是说减少生活的必需品。而是说在这些上面省钱。这也就意味着要减少日杂开支，买衣服或家庭用品的时候多逛几家店对比一下价格。

    But when you save money on these purchases, each discount only happens once. To really maximize your savings, cut your recurring expenses, and let the savings add up.

    但是当你在买这些东西上面省钱时，只能有一次的打折机会。为了真正达到节约开支的目的，你需要削减你的日常开支费用，多存点钱。

    Review Your Monthly Budget Expenses

    回顾一下你的每月开支预算

    We tend to think that the costs of goods and services only goes up, but, in fact, they sometimes goes down. Competition and new technology often bring down prices for services like cable, telephone and Internet--giving us an opportunity to cut monthly budget expenses painlessly. So consolidating your business at one company or signing up for bundled services also might mean a discount.

    我们经常会想当然的认为服务以及物价是一直上涨的，但其实有时候他们是会下降的。竞争以及新的科技经常会给电视，电话，网络这样的服务行业带来降价，这就提供给我们每月可以毫无痛苦地节省开支的机会。所以，只购买固定的品牌或者是办理捆绑性的服务都有可能会给你省钱。

    But few companies advertise to existing customers that they have lowered their prices. You have to review these monthly household expenses periodically to be sure you are getting the best deal.

    但是很少有公司在降价后会打广告通知客户这一振奋人心的消息。所以，你需要每月都审查这些家庭开支预算，以确保自己得到了最实惠的折扣。

    Here's a list of 10 places to cut your monthly budget:

    以下10招帮你节省每月开支

    1.Insurance

    保险

    Compare prices for auto, home, health, business and life insurance. Consolidating at one insurance company could lower your insurance costs. That might mean you'll need to take your business elsewhere to save money. But before you do, be sure you're getting all the discounts you deserve at your current company.

    比较汽车保险，家庭保险，健康保险，商业保险以及人生保险的价格。在同一家保险公司买的话可以降低你的购买成本。这就意味着你要在别的地方省钱。但是这样做之前，要确保那家公司给了你最优惠的购买折扣。joozone.com