BEC高級(jí)如何短時(shí)間拿A

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商務(wù)英語(yǔ)考試心得：BEC高級(jí)短時(shí)間拿A

考試類型：BEC Higher

考試結(jié)果：A(Overall)

===個(gè)人心得===

聽(tīng)力部分：

書(shū)單：劍橋BEC真題2~4

感想：這個(gè)部分應(yīng)該說(shuō)是我們中國(guó)學(xué)生最怵的，當(dāng)然口語(yǔ)的難度也不遑多讓。這個(gè)部分沒(méi)什么好多說(shuō)的，就是多聽(tīng)，把真題吃透，然后總結(jié)自己錯(cuò)的地方。平時(shí)一定要多聽(tīng)，不要去聽(tīng)BBC，CNN之類的，就聽(tīng)真題的內(nèi)容，之后再對(duì)比真題后面的聽(tīng)力文本。我的個(gè)人建議是，聽(tīng)力有一定基礎(chǔ)的，只要吃透真題就可以了.BEC高級(jí)的聽(tīng)力如果遇到很2的口音，你平時(shí)練得再多基本是白搭，這個(gè)是大實(shí)話。

閱讀部分：

書(shū)單：劍橋BEC真題2~4，SUCCESS WITH BEC HIGHER(封面是黃黑色調(diào)的)

感想：中國(guó)人應(yīng)該最不怕閱讀吧，閱讀也沒(méi)啥說(shuō)的，就是多練。我覺(jué)得，學(xué)英語(yǔ)沒(méi)有捷徑，題海戰(zhàn)術(shù)對(duì)閱讀才是的提升。由于我當(dāng)時(shí)沒(méi)有太多時(shí)間，基本只做了4本真題，以及那個(gè)SUCCESS WITH BEC HIGHER，后來(lái)發(fā)現(xiàn)了一個(gè)問(wèn)題，SWBH那本難度太低了，和真題根本不在一個(gè)水平線上。于是就純粹只閱讀，不做題了。不過(guò)，遇到不懂的單詞，我還是會(huì)拿筆圈起來(lái)。

口語(yǔ)部分：

書(shū)單：網(wǎng)絡(luò)搜的真題

感想：我口語(yǔ)比較好，考前基本沒(méi)怎么在這塊下功夫，只看了一遍真題，所以這塊沒(méi)什么好分享的。只想說(shuō)一點(diǎn)，Pt.2的時(shí)候如果是你的Ptnr先回答問(wèn)題，你別以為自己多撿到1分鐘的時(shí)間準(zhǔn)備，請(qǐng)記住，你之后一定會(huì)被要求評(píng)論你Ptnr的觀點(diǎn)。所以，請(qǐng)注意聽(tīng)你的Ptnr說(shuō)了什么。

寫(xiě)作部分：

書(shū)單：劍橋BEC真題2~4，SUCCESS WITH BEC HIGHER(封面是黃黑色調(diào)的)

感想：這個(gè)部分兩本書(shū)都有用，尤其是大作文，你只要死套PASS BEC HIGHER里面教師用書(shū)的那幾個(gè)范文就OKAY了，不過(guò)范文我記得只有教師用書(shū)里有，學(xué)生用書(shū)應(yīng)該是沒(méi)有。

小作文部分和雅思很像，但比雅思要求高，除了要寫(xiě)出圖形的變化，還要記得一個(gè)拿A的要點(diǎn)，開(kāi)頭的時(shí)候除了寫(xiě)一段This graph depicts.。..之外，一定要補(bǔ)一句對(duì)整個(gè)圖形的走勢(shì)總結(jié)。比如，你可以說(shuō)，在過(guò)去的幾年中，物價(jià)整體是上升的，這樣。然后，body部分，不能只描述，一定要做一定的分析和總結(jié)。但切忌對(duì)數(shù)據(jù)進(jìn)行盲目推論。

大作文部分和雅思有點(diǎn)不同。最簡(jiǎn)單的部分，我個(gè)人感覺(jué)，是Letter，其次是Proposal最后是Report.因?yàn)長(zhǎng)etter的套話就占去了很多字?jǐn)?shù)，需要你填滿的部分就很少了。我個(gè)人不推薦只準(zhǔn)備一種體型，這種做法是相當(dāng)冒險(xiǎn)的。因?yàn)锽EC寫(xiě)作最看重的是一個(gè)人對(duì)話題熟悉不熟悉，如果你語(yǔ)言功底再好，卻無(wú)法腦風(fēng)暴出像樣的點(diǎn)子的話，一樣無(wú)法拿A.

總之，多看真題后面的范文，不僅要看5分范文，也要看1~4分的，自己去感悟，為什么這些人拿不到BAND 5.

另外，最最要的，一定要拿起筆寫(xiě)，在時(shí)間壓力下去寫(xiě)，范文看得再多，自己不去寫(xiě)，永遠(yuǎn)是白搭，永遠(yuǎn)不會(huì)真正提高。

詞匯書(shū)：

我買(mǎi)了一本橙皮的書(shū)，名字我忘了，好像叫什么BEC核心詞匯，人民郵電出版社。但這本書(shū)的詞匯太簡(jiǎn)單了。其實(shí)，你只要把真題集和SWBH那本書(shū)里生詞吃透，就OKAY了。

這次我拿到了A的好成績(jī)，除了自己的努力外，我很感謝網(wǎng)絡(luò)這個(gè)平臺(tái)，在這里我學(xué)到了很多，也下載到了許多有用的資料。感謝這里的所有人!

口語(yǔ)：

關(guān)于口語(yǔ)的復(fù)習(xí)，我想總共就是兩大部分：第一部分，總結(jié)話題。第二部分，開(kāi)口說(shuō)。

A、總結(jié)話題。這一部分由于我當(dāng)時(shí)參加了培訓(xùn)，所以用時(shí)比較短。當(dāng)時(shí)我和我的partner是拿著上課的筆記一個(gè)一個(gè)話題一起總結(jié)的。如果兩個(gè)人都很忙，不一定要天天練，你們可以一周兩次，每次總結(jié)一部分話題，然后拿回去背，接下來(lái)再繼續(xù)總結(jié)。建議不要拿來(lái)一個(gè)話題，照著現(xiàn)有的資料就開(kāi)始抄寫(xiě)。因?yàn)橛行┵Y料關(guān)于一個(gè)話題，可能也就2點(diǎn)提示。而根據(jù)時(shí)間，每個(gè)人至少可以說(shuō)到兩點(diǎn)，所以在一起至少也準(zhǔn)備4-5點(diǎn)。這個(gè)時(shí)候你們看到題目以后，要自己先討論討論關(guān)于這個(gè)話題可以說(shuō)些什么。這個(gè)過(guò)程可以是中文的。因?yàn)檫@個(gè)時(shí)候，你都是自己主動(dòng)想到的知識(shí)，最后記憶起來(lái)也是你最熟悉的。然后，你們?cè)僭诠P記呀，資料上找相應(yīng)的英文表達(dá)方法。其實(shí)這就幫助你們記憶了一遍了。最開(kāi)始的時(shí)候，總結(jié)起來(lái)進(jìn)度比較慢，因?yàn)樽约旱乃悸繁容^窄，后來(lái)總結(jié)多了，速度就快了，而且你會(huì)發(fā)現(xiàn)，很多總結(jié)過(guò)的問(wèn)題，在其他話題下也是可以使用的!

總結(jié)的時(shí)候，1，建議不用寫(xiě)完整的句子，就寫(xiě)那些關(guān)鍵的詞組就可以，最后背的時(shí)候，自練，合練的時(shí)候直接說(shuō)句子就可以了。這樣節(jié)省時(shí)間。2，用本藍(lán)色口語(yǔ)書(shū)，內(nèi)容特別多，很多東西是相似的，可以參考真題選出重點(diǎn)的總結(jié)，背一背。在時(shí)間緊的情況下不要過(guò)于追求面面俱到。

B、練習(xí)。對(duì)于有Partner的朋友們來(lái)說(shuō)，練習(xí)就是兩大塊，自己練，兩個(gè)人合練。

1.我覺(jué)得自己背好說(shuō)好是首要。合練是其次。即使你沒(méi)有搭檔，最后考試的時(shí)候，只要你腦子里有東西，嘴上說(shuō)得出來(lái)，就不會(huì)顯得那么沒(méi)有默契。

2.兩個(gè)人練的時(shí)候，首先是開(kāi)頭結(jié)尾中間銜接很重要。這些地方是體現(xiàn)出你們默契的地方。其實(shí)也只有第三部分互動(dòng)最多，第二部分你的partner只需要問(wèn)你一個(gè)問(wèn)題即可。這個(gè)時(shí)候也要注意，你要仔細(xì)聽(tīng)你的partener說(shuō)了些什么。第一是你的問(wèn)題要和她的話題相關(guān)，第二是根據(jù)她說(shuō)的內(nèi)容，你要盡量選擇簡(jiǎn)單的問(wèn)法。關(guān)于簡(jiǎn)單的問(wèn)法，這個(gè)你可以和你的partner事先商量好一種統(tǒng)一固定的模式。你要是臨場(chǎng)搭配的話，就更要把這個(gè)商量好。至少給自己一個(gè)心理準(zhǔn)備。第二，如果有Partner，你們倆最開(kāi)始練的時(shí)候，可以讀完題以后，先用中文交流一下關(guān)于這個(gè)話題可以說(shuō)的內(nèi)容。比如題目是關(guān)于teamwork的。這個(gè)時(shí)候，你倆能想到的大點(diǎn)可能是是：communicate,time mangement,personal charactors,….不用具體化，就是練習(xí)這種現(xiàn)場(chǎng)反應(yīng)的思維。到時(shí)候你們考試的時(shí)候，話題基本也就是這些，這個(gè)時(shí)候你就可以在腦子里飛快的反映出你可以說(shuō)的內(nèi)容。接下來(lái)，在對(duì)方說(shuō)的時(shí)候，你馬上在腦子里排除她正在說(shuō)的內(nèi)容，然后開(kāi)始準(zhǔn)備自己要說(shuō)的。其實(shí)這一點(diǎn)基本只在第三部分用得到。

你會(huì)發(fā)現(xiàn)，這個(gè)方法和你們共同準(zhǔn)備話題時(shí)的方法很像，其實(shí)就是在不停地鞏固練習(xí)你的思維。

C、關(guān)于第二部分，當(dāng)時(shí)我是套用這樣一個(gè)模板，

I choose tpoic A,when ….what is important.

(復(fù)述你選的題目是一定的，建議不要直接按照題目的說(shuō)法說(shuō)when..what is important，盡量簡(jiǎn)單的變化一下句式)

Talking about this topic,as far as I’m concerned,I have these things to consider…

(建議不要具體說(shuō)出你有幾點(diǎn)要闡述，一旦說(shuō)到最后，發(fā)現(xiàn)和前面的數(shù)字不吻合就不太好，所以給一個(gè)泛泛的即可)

First,A+解釋…

Second，B+解釋…

Third，such as C,D,is also significant.

Above all,I think A,B,C,D..is important when…..(這里就是總結(jié)了，ABCD就不用展開(kāi)了)

第二部分的作答大概是這個(gè)情況，你可以根據(jù)自己的喜好與實(shí)際情況自己改。練習(xí)的時(shí)候，建議套著模板練。而且根據(jù)考試時(shí)間，基本有45-60秒的時(shí)間來(lái)說(shuō)，所以練得時(shí)候可以看著時(shí)間，答案并不是越長(zhǎng)越好的。

另外，你可以用一個(gè)小本子，正面寫(xiě)題目，背面就寫(xiě)你們總結(jié)的那些點(diǎn)，然后平時(shí)自己練得時(shí)候，先看題目，然后腦子里面過(guò)一遍可以說(shuō)的內(nèi)容，大概說(shuō)三點(diǎn)即可。(中級(jí)的時(shí)候，說(shuō)三點(diǎn)，有兩點(diǎn)是展開(kāi)的，第三點(diǎn)由于時(shí)間原因，不用展開(kāi)，可以直接在羅列幾個(gè)要點(diǎn)就可以了;或者是你每一點(diǎn)展開(kāi)的都不多，那就可以多展開(kāi)一點(diǎn)，這只是個(gè)模式，靈活掌握。。。)。這里要強(qiáng)調(diào)的是，你解釋好題目下面的兩個(gè)提示后，一定要自己再多加一點(diǎn)。也就是上面所說(shuō)的不用展開(kāi)的一點(diǎn)，這時(shí)候你可以羅列幾個(gè)短語(yǔ)，說(shuō)幾個(gè)就行了。

D、這里說(shuō)一下口試的第一部分。這一部分一定是你最熟悉的，因?yàn)檫@等于是口試的熱身階段。沒(méi)有商務(wù)方面的問(wèn)題，都是問(wèn)一些你來(lái)自哪里，在哪里讀書(shū)這種問(wèn)題。你要通過(guò)開(kāi)始的這一小段，給考官留一個(gè)好的印象。。同時(shí)也幫助你消除緊張感。。不管你有多緊張，考官和你說(shuō)話的時(shí)候，你回答問(wèn)題的時(shí)候，你要盡量看著他，和他有眼神上的交流，并帶點(diǎn)微笑。口試不僅是你與partner的互動(dòng)，也是你和考官之間的互動(dòng)。

聽(tīng)力：

個(gè)人覺(jué)得第一部分與第三部分相對(duì)簡(jiǎn)單，容易拿分。第二部分相對(duì)來(lái)說(shuō)有難度?？偟膩?lái)講，練習(xí)聽(tīng)力真題時(shí)候，要練習(xí)速讀題目的能力?？焖贅?biāo)記出你認(rèn)為重點(diǎn)的提示詞，定位詞，這也可以幫你了解這篇聽(tīng)力的大概內(nèi)容。

A、

填空。填空題基本是聽(tīng)到什么，就寫(xiě)什么。首先，標(biāo)記關(guān)鍵詞的時(shí)候，空前空后相連的詞，一般都很重要。第二，拼寫(xiě)要準(zhǔn)確，而且全部是大寫(xiě)字母!這里建議每次做完題后，都把所有的答案，用大寫(xiě)字母的形式寫(xiě)在草紙上，你要習(xí)慣這些，避免考試的時(shí)候一緊張，個(gè)別的寫(xiě)成小寫(xiě)了，或者是明明寫(xiě)對(duì)了，一看是大寫(xiě)的，怎么都覺(jué)著是自己拼錯(cuò)了。

B、

段落搭配。我覺(jué)得段落搭配題是英語(yǔ)能力與商務(wù)知識(shí)的結(jié)合。還是比較難的。。

寫(xiě)作：

寫(xiě)作要多看多讀例文，多動(dòng)筆寫(xiě)。開(kāi)始的時(shí)候一點(diǎn)思路沒(méi)有，你可以模仿著寫(xiě)。慢慢的，你可以自己寫(xiě)，然后參考答案進(jìn)行修改。感覺(jué)自己不上手的文章，可以多寫(xiě)幾遍。主要是體會(huì)商務(wù)應(yīng)用文的寫(xiě)作風(fēng)格，思路，還有簡(jiǎn)練的表達(dá)一件事情的方法。另外，寫(xiě)大作文的時(shí)候，根據(jù)題目特點(diǎn)，你可以靈活的把口語(yǔ)背誦到的內(nèi)容寫(xiě)在里面。因?yàn)槟銜?huì)發(fā)現(xiàn)，大作文的題目很短，而字?jǐn)?shù)要求又很多。這時(shí)候就需要你有一定的知識(shí)儲(chǔ)備，高級(jí)更是如此。

關(guān)于培訓(xùn)班：

看到很多人在問(wèn)，這里簡(jiǎn)單說(shuō)說(shuō)我的idear.中級(jí)的時(shí)候?qū)W了新東方，高級(jí)的時(shí)候就自學(xué)了。我覺(jué)得培訓(xùn)班還是比較注重考試技巧的，所以說(shuō)回來(lái)，學(xué)了以后，你還是要應(yīng)用到實(shí)際中，也就是說(shuō)，最后都還要靠自己的~如果你有精力，可以聽(tīng)一聽(tīng)~~沒(méi)有時(shí)間的話，不學(xué)也不會(huì)有太大關(guān)系的。

說(shuō)幾點(diǎn)小建議吧：

1.相信自己!這是最重要的。不論你考BEC之前英語(yǔ)水平怎樣，你都要自信!

2.努力復(fù)習(xí)，合理規(guī)劃，注重效率，貴在堅(jiān)持!備考BEC的過(guò)程，也是一個(gè)自我學(xué)習(xí)能力提升的過(guò)程。

3.善于總結(jié)~~融會(huì)貫通。。。表面上四個(gè)部分是分開(kāi)的，其實(shí)他們都是有聯(lián)系的。

4.有的時(shí)候，復(fù)習(xí)了很久，自己做起題來(lái)還是覺(jué)得沒(méi)什么進(jìn)步。這個(gè)時(shí)候首先不要灰心，然后看看問(wèn)題出在哪兒，再想辦法解決。進(jìn)步都是一點(diǎn)一滴的~

5.經(jīng)驗(yàn)僅供參考，一切都要根據(jù)自己的實(shí)際情況而定~~

6.口語(yǔ)一定開(kāi)口說(shuō)，作文一定動(dòng)手寫(xiě)，聽(tīng)力一定多多聽(tīng)~~~

ATTITUDE IS EVERYTHING!

2020年商務(wù)英語(yǔ)寫(xiě)作指導(dǎo)：告知信息類

例題：

l You are a manager at an auditors called Golding & Co. Your company has just merged with a competitor to become MasonGolding. You have been asked to inform staff of the change of name.

l Write a memo of 40 - 50 words:

.informing staff of the new name

.telling them when to start using the new name

.asking staff to use only the new name after that time.

收購(gòu)與兼并 merger and aquisition

范文：

As a result of our merger with Mason&Co., the name of our company will be changed MasonGolding. Please start to use the new name on 1 March 2006. You are reminded that only the new name can be used from then on.

remind/ advise

總結(jié)：告知用詞

tell notify mention express inform explain note report advise

I am writing to tell/inform you that…..

I am writing to explain…. (tell your boss why you cannot attend)

I am writing to express (my regret)

例題

You are the training manager of a company which has won a large export order. You have been asked to organise foreign language training for some of your staff.

Write a memo to staff:

explaining why the courses are necessary

saying which members of staff should attend

announcing when the courses will start

Write 40-50 words on a separate sheet.

[范文]

To: All staff

From: the Training Manager

Date: 1 March 2005

Subject: A Foreign Language Training Course

I was asked to organise a foreign language training course because of the large export order we received recently. It will start on 15 March and will last 2 weeks. Those who will deal with orders should attend this course.

2020年商務(wù)英語(yǔ)寫(xiě)作指導(dǎo)：禮貌

例如：

Dear Mrs. Walters,

Because you delayed so long in your response, Model GSF is off stock. If youare interested, we have some similar models on hand

Yours truly,

修改：

Dear Mrs. Walters

If I had known your needs before May 20, I could have shipped Model GSP immediately. However, the spring sale drained our stock.

The Model GSK, a similar instrument, is in stock, and you could have it at the same price as the GSF. It normally sells for $10,000 more. we will ship it as soon as you give us the word.

Yours sincerely

(1) 使用禮貌友好的詞匯

A. 說(shuō)“Thank you" , 例如:

Thank you for your letter of yesterday.

Thank you for your prompt reply.

Thank you for helping us in this respect.

Thank you for your information.

(2)體諒對(duì)方的寫(xiě)作態(tài)度(You-Attitude)

Writer emphasis: We are shipping your order on Friday.

Reader emphasis: You will receive your order by Monday, October 10.

Writer emphasis: To reduce our costs, we are changing the billing system.

Reader emphasis: To provide you with clear records, we are changing our billing system.

Writer emphasis: I was pleased to hear that the project was completed.

Reader emphasis: Congratulations on successfully completing the project

Writer emphasis: We regret that you closed your account with us a week ago. We believe that people may come back to our bank again sooner or later since we have a good credit among our customers.

Reader emphasis: A week ago you closed your account with us. Whatever the reason, we are pleased to have played some small part in your program. You are cordially invited to use our 'other services as occasion may require.

2020年商務(wù)英語(yǔ)考試高級(jí)閱讀材料

Easy Money Hacks to Level up Your Money

David Carlson

It’s always a good idea to conduct regular “money checkups” to make sure you are making the most of your money.

To make it a bit more interesting, I like to think of this as “hacking” your money. Small changes can make a big difference.

My wife and I were leaving hundreds of dollars on the table each year by putting off reviewing our savings account. By making a small change we literally are making $500+ from interest that we were previously missing out on.

Ready to level up your money? Let’s walk through the list of money hacks and see which ones will work for your situation.

Check your savings account

People love to rip on banks for making billions and billions in profits, but there is one specific thing that millions of people are doing that allows them to profit: keeping their savings in low-yield savings account. The average APY of savings accounts is 0.06%. The rate can be as low as 0.01%. Basically you are getting nothing for your money.

I was one of those people.

Until recently, I had a rock-bottom interest rate on my savings account. The thing was, this was an emergency fund that I was going to keep in cash long-term. It only makes sense to park it in the savings account with the highest yield.

As I outlined in my post switching banks made us $500+ a year. By switching from my TCF savings account that paid 0.01% APY to a CIT Bank savings account that paid 2.30% APY, I essentially gave myself a $500+ year bump in cash flow.

Even if you have minimal or no savings right now you probably have a goal of building an emergency fund. Banks make enough money, don’t do them a favor by building and keeping your emergency fund in a savings account with a rock-bottom interest rate.

Pay attention to credit card rewards

Before you even think about taking advantage of credit card rewards you need to make sure you 1) aren’t in credit card debt and 2) don’t put money on your cards that you wouldn’t otherwise spend. If you are in credit card debt it’s important to make paying down that debt a priority. If you tend to charge things to credit cards that you otherwise wouldn’t spend, it probably doesn’t make sense to take advantage of credit card rewards.

If you don’t fall in those categories, and you pay off your card in full each month, credit card rewards could be a big win. At the very least you should be getting cash back on every purchase (here’s some of the top cash back credit cards). If you take it a step further, though, some of the travel rewards credit cards can be a big win. Not only do many come with good sign-up bonuses, they also sometimes offer perks like free checked bags.

If travel rewards sound like something that would benefit you (I know they’ve saved my wife and I thousands on travel), here’s an overview of how they can help you achieve your travel goals.

Want something more specific? Here’s how to save money on United Airlines flights and credit cards for American Airlines Miles.

Stop ignoring cash back apps

By now you’re probably aware there are a number of cash back apps out there that can save you money. But have you put off actually taking advantage of these money-saving apps?

I know I wasn’t on board. It didn’t seem like you could actually save much. But once I saved $20 on a purchase of two pairs of shorts I was hooked.

Once you have an account it truly is minimal work. I’ve since saved hundreds with very little effort. Here’s 10+ cash back apps you should consider (including sign-up bonuses if you use our links). I also outlined the exact (super simple) process I go through every time I shop online before pressing “finalize purchase.”

Check your subscriptions

I’m certain I’m not the first person who has recommended you check your subscriptions. But seriously: have you done it lately?

More and more services are becoming subscription-based. If you don’t keep up with what you are subscribing to, you are likely wasting at least some money on services you don’t use.

Go through your last few months of your spend data and identify any recurring charges. Is this a service you still use? And even if you use it, is it worth the cost? Or should you be using the service?

This is especially important today with so many streaming platforms. I just cancelled one of the streaming platforms I was subscribed to when I realized I had four other streaming platforms that I was also paying for. There’s only so much content you can consume.

If you love magazines, here’s a hack for getting free ones (not all magazine titles are included, but there is a wide selection). My wife and I get more than five magazine subscriptions free of charge using this hack.

Don’t leave easy money on the table with your employer

Not every employer offers “easy money” to its employees, so if you get any of the following perks you absolutely should be taking advantage of them!

401(k) or 403(b) match

Health Savings Account (HSA) match

Employee Stock Purchase Program (ESPP)

These are typically perks that should be fully taken advantage of. For example, with a retirement account match you will rarely see another perk where you can get a dollar or fifty cents for each dollar you put into an account. Take advantage of it!

Have a financial adviser? Make sure you aren’t wasting money on fees

Do you have a financial adviser? Time to see how much they are costing you.

I’m a big fan of financial advisers… when they charge for financial advice, not when they charge ongoing fees to manage your assets.

The way many financial advisers charge is a percentage of your assets. For simplicity sake, let’s assume they charge 1% of assets. If you have $300,000 worth of investments that your financial adviser manages, you would pay $3,000 a year to your adviser. This is why many advisers will only work with clients with a minimum amount of assets.

I don’t think it’s worth paying that, though. I think financial advisers can give great advice, but I think that advice is what people should be paying for, not ongoing asset management. I am not a Certified Financial Adviser and I cannot give individual investment advice, but I think a majority of people can keep it simple when it comes to investing and do just fine. If needed, get a CFP to analyze your portfolio, but have them do it for a one-time fee. There is no need to pay them ongoing, regular, maintenance fees, especially when these can easily reach thousands of dollars a year.

Honorable mentions

Cut the interest rate on your debt through refinancing or negotiating with the debt holder.

Keep track of your income and expenses automatically using Tiller.

Plan your Meals.

Do salary research to see if you are getting paid fairly (and have a conversation with your manager if you are not).

I hope you enjoyed these money hacks, and I would love to hear any money hacks you would add to the list!