耗尽你的预算的无用支出
耗尽你的预算的无用支出
Paying for necessities such as rent and health insurance aren't exactly glamorous ways to spend your hard-earned dollars, but they are essential to everyday living. On the other hand, there are plenty of items, perks and services you may spend money on, but get no real value from. Oftentimes, these minimal and irksome charges may not seem to amount to much, but collectively add up quickly. With that in mind, here are annoying fees to look out for, and tips for eliminating them from your budget, so you can put your dollars where they truly matter.
付房租和医疗保险等生活必需品并不是花血汗钱的好办法，但它们对日常生活是必不可少的。另一方面，有很多项目，你可能花了钱，但没有得到真正的价值，比如津贴和服务。通常情况下，这些微不足道且令人生厌的费用似乎并不多，但加在一起很快就会增加。考虑到这一点，这里有烦人的费用，以及从预算中剔除它们的建议，这样你就可以把钱花在真正重要的地方。
Extra data fees
额外的数据费用
A 2015 survey on smartphone use in the U.S. from the Pew Research Center found that 37 percent of mobile users max out their monthly data occasionally, while 15 percent do so frequently. Many mobile carriers will slow down data speed when customers exceed their monthly allotment, enticing many users to purchase extra data. Verizon, for example, offers an optional 1 gigabyte of data for $10 for when users meet their data limits for the billing cycle, while T-Mobile offers on-demand data passes, such as a one-week pass with 1 gigabyte of data for $10. Use free tracking apps like My Data Manager to be more mindful of wasteful data use. Also consider turning off push notifications to reduce your data usage.
皮尤研究中心(Pew Research Center) 2015年对美国智能手机使用情况进行的一项调查发现，37%的手机用户偶尔会最大化他们的月度数据，而15%的人则经常这样做。许多移动运营商会在用户超过月流量时降低数据传输速度，从而吸引许多用户购买额外的数据。举例来说，Verizon提供了一个可选的1g数据服务，当用户达到计费周期的数据限制时，收费10美元，而T-Mobile提供按需数据传输服务，比如1g数据的一周传输服务，收费10美元。使用免费的跟踪应用程序，如我的数据管理器，以更注意浪费数据的使用。还可以考虑关闭推送通知，以减少数据使用。
Bank fees
银行费用
A 2017 Bank Fee Summary Report , found that U.S. consumers are currently paying $329 in fees annually for services such as checking account maintenance, out-of-network ATM use and overdraft charges. If you tend to reduce bank fees, consider moving accounts to a local credit union or online bank. "Most online-only banks waive cash withdrawal fees so you can use almost any ATM and the bank will reimburse you at the end of the month," says Kristin Wong, author of "Get Money: Live the Life You Want, Not Just the Life You Can Afford." You may even be able to negotiate the removal of some fees.
2017年银行费用总结报告,发现目前美国消费者每年支付329美元的费用等服务检查帐户维护,使用网外自动取款机和透支费用。如果你想减少银行费用，考虑将账户转到当地的信用社或网上银行。《赚钱:过你想要的生活，而不是你能负担得起的生活》一书的作者Kristin Wong说:“大多数网上银行都免收提现费，所以你几乎可以使用任何一台ATM机，而银行会在月底把钱还给你。”你甚至可以协商取消一些费用。
Airline fees
航空公司的费用
If you thought checked baggage fees were a pain, think again. These days, airlines tack on extra charges for basic travel amenities, such as carry-on bags, seat selection, priority check-in and even boarding passes. You may not realize just how much these costs that were once complimentary can add to your trip cost. The 2017 CarTrawler Yearbook of Ancillary Revenue report by IdeaWorksCompany, a consulting firm, found that the top 10 airlines have raked in more than $28 billion from such extra charges. A travel fees vary widely between airlines, making it tricky to compare the ticket prices between carriers. If you travel often, consider opening a cobranded airline credit card, which comes with perks like free checked bags, complimentary upgrades, priority boarding and more.
如果你认为托运行李费很麻烦，那你就大错特错了。如今，航空公司对基本的旅行设施加收额外费用，比如随身行李、座位选择、优先办理登机手续，甚至还有登机牌。你可能没有意识到这些曾经免费的费用会增加你的旅行成本。咨询公司IdeaWorksCompany发布的2017 CarTrawler年鉴《辅助收入报告》(CarTrawler Yearbook of Revenue report)发现，排名前十的航空公司从这些额外收费(即辅助费用)中赚取了逾280亿美元。航空公司之间的收费差别很大，这使得比较不同航空公司之间的机票价格变得很棘手。如果你经常旅行，可以考虑使用联合品牌的航空公司信用卡，它提供免费托运行李、免费升级、优先登机等额外服务。
