转载自有道词典：
There are most likely a good amount of items in your budget that you can probably cut out completely, or at least lower your spending on. There are some instances where you may not always be “wasting” your money, but in the cases below, you should try to evaluate your spending. A lot of these little things can add up quickly.
很多你打算买的东西，其实完全可以不买，至少不用花那么多钱去买。当然，有时你也没浪费钱，但以下几种情况，还是要好好考虑考虑再下单。小件买多了，积少成多，也是不少钱呢。
Here is a list of things that you may be wasting money on:
你的钱就是从这里流走的：1. Bottled water
瓶装水
Bottled water can be expensive. If you want filtered water, buy a water filtering system and fill-up a re-usable bottle on your own. You are helping the environment this way as well, since you won't be using so many plastic bottles.
瓶装水不便宜。要是你想喝过滤后的水，买个净水器，然后自己装个可重复使用的瓶子。这样，使用的塑料瓶数量会减少，而你也为环保出了一份力。
2. Famous brand products
名牌产品
When was the last time that you bought something primarily because of the brand? Many people do this. Try to look for items that are similar, but without the brand name logo on it.
想想你上次主要是因为喜欢某个牌子而买下一件商品是什么时候？很多人都会做这样的事。还是去淘一淘，选个类似的非品牌产品吧。
3. Jewelry
珠宝
Yes, jewelry can be nice to have at times, but should you be spending your life savings on it? Probably not.
没错，佩戴珠宝有时确实令人愉悦，但要把毕生积蓄花在珠宝上？还是算了吧。
4. Shoes that you do not need
有的鞋子不是必需品
Shoes are important, but are a pair of $1,000 sneakers a “need?” Buy shoes that help you run, walk, hike, look good, etc., but a crazy expensive pair is most likely just a waste of money.
鞋子是很重要，但花1000美元买的运动鞋还能算是“必需品”？为了跑步、走路、远足买鞋是可以的，但买双贵得逆天的鞋子就是在浪费钱吧。
5. Second-rate entertainment
二流娱乐
Second-rate entertainment can be a big money waster. Try to find things to do that are more frugal and fun. Go for a hike, a bike ride, and so on.
二流娱乐还是很花钱的。看看有什么既省钱又好玩的娱乐方式吧。远足，或者骑行，都不错。
6. Transportation
交通费
Do you find yourself driving to where you need to go, when you could easily walk or drive a bike? Think about this next time before you get in your car. Also, think about living closer to work so that you can save on transportation costs that way as well.
虽然走路或骑车也不费事，但你是不是去哪都要开车去？下次钻进车前，想想这句话。还有，可以搬到离工作地近点的地方居住，这样能省不少交通费。
7. Movie theater food
影院的食品
Buying food at the movie theater can be very expensive. Boxes of candy may be around $4 or $5, drinks around $7, and popcorn somewhere between that. Save money and skip the food.
在电影院买吃的非常贵。几盒糖果都要花4美元5美元，饮料要花7美元左右，爆米花也差不多这个价。省省钱，不要在影院买吃的了。
8. ATM fees
自动取款机的手续费
ATM fees can add up quickly. My bank charges an extra $2 or $3 onto whatever the ATM charges me. At times, that means that I have paid over $5 just to get money out. Instead, try to figure out a different way to not pay an ATM fee.
自动取款机上的手续费累计得很快。无论自动取款机本身怎么计费，我使用的那家银行都会另收2美元或3美元。有时，我取个钱都要另付5美元。所以，还是想想怎样能省掉在自动取款机上花的钱吧。
9. Lottery tickets
彩票
Yes, it is nice to think about what you would do if you won all of that money, but the chance of you winning is very slim. Save that money instead.
想想中头奖后做什么是很过瘾，但中将几率真的非常低。还是省下这个钱吧。
10. Coffee
咖啡
I know of someone who complains about never having money, yet they go to Starbucks every single day and buy a latte. It makes no sense! Save your money and make your cup of coffee at home.
我就认识这么个朋友，整天哭穷，却每天都去星巴克买拿铁喝。这不合理啊！还是省下买咖啡的钱，自己在家冲咖啡吧。
11. Prepared foods
方便食品
When at the grocery store, there are always many food items that are already prepared for you. However, try to cook yourself or make things from scratch. You can save money this way.
杂货店里总是有各式方便食品。然而，还是自己下厨吧，一点点做出美食。这样，你就能省下钱。
12. Insurance
保险费
Insurance is expensive, no matter what you are talking about. Car insurance, health insurance, home insurance, life insurance, etc. most likely eat up a lot of your budget. Shop around and find the best rates.
保险费很贵，何种保险都是如此。汽车保险、健康保险、房屋保险、人寿险等等，能花掉你很大一笔预算。多逛几个地方，看看哪里收费最合理。
13. Buying books
书费
Reading a book can be a great hobby that is cheap, but it could be cheaper. Borrow books from your library to completely cut out this expense.
读书是个不怎么花钱的爱好，但你花的其实还可以更少。从图书馆借书的话，这项开销就完全省出来了。
14. Too large of a home
大房子
How much of your house do you actually use? If your house is too big, then you probably have extra rooms that are empty, or you might buy furniture just for the sake of filling those rooms. A bigger house costs more to maintain, and utility bills are most likely higher since you have more space to heat or cool down.
你的房子真正用到的地方有多少？如果房子太大，肯定会有几个房间空空的，你可能买家具就是为了填满房间。房子越大，维护费就越高，使用费也更高，因为暖气、空调要工作更久才能调整室内温度。
15. Warranties
保修费
Sometimes a warranty may be a good deal, but most of the time they are not. They are usually pure money-makers for the company offering them. If you think the item will break, then you might want to rethink the purchase altogether.
保修这个服务有时候是不错，但大部分时候并非如此。保修只是商家赚钱的办法而已。如果你担心产品会出问题，那还是考虑考虑要不要买比较好。
16. Food that you don't eat
有些食物你买了也不吃
If you are not careful with what you buy, then there is a large chance that you are wasting a lot of fun. The average family wastes around 25% of the food that they buy.
如果你买吃的很大手大脚，那很有可能不少美味你其实都浪费了。一个家庭购买的食物，平均会浪费25%。
17. Smoking
抽烟
Smoking is not good for you. Try to find a way to break this unhealthy habit. You are saving your life and your money.
抽烟不利于身体健康，想办法打破这个恶习吧，既有利于健康，又省钱。
18. Taxes
税款
Many people think that they can do their income taxes on their own, however this isn't always the best case. A good accountant can help you find areas where you might be able to lower your taxes.
很多人觉得自己可以管理好个人所得税，其实有更好的办法。一个好的会计可以帮你理出那些不该交的税。
19. Water
水费
Water can be expensive, and there are things that you can do to lower your water spending. Look into buying more efficient home products, such as a better toilet, faucet, shower head, dish washer and so on.
水费也不便宜，其实有些办法可以帮你减少水费开支。买节能的家用产品吧，比如，买个好点的马桶、水龙头、喷头、洗碗机等等。
20. Cell phone
电话费
Cell phones are expensive. Evaluate your needs and see if there is a cheaper contract out there. There are many new companies popping up all over the place with plans under $30.
电话费还是很高的。考虑考虑自己的需求，然后看看有没有便宜点的合约。很多新公司的套餐收费都不到30美元。（英文来源：Lifehack）
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