2022年商务英语考试高级阅读材料新

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EasyMoneyHackstoLevelupYourMoney

DavidCarlson

It’salwaysagoodideatoconductregular“moneycheckups”tomakesureyouaremakingthemostofyourmoney.

Tomakeitabitmoreinteresting,Iliketothinkofthisas“hacking”yourmoney.Smallchangescanmakeabigdifference.

MywifeandIwereleavinghundredsofdollarsonthetableeachyearbyputtingoffreviewingoursavingsaccount.Bymakingasmallchangeweliterallyaremaking$500+frominterestthatwewerepreviouslymissingouton.

Readytolevelupyourmoney?Let’swalkthroughthelistofmoneyhacksandseewhichoneswillworkforyoursituation.

Checkyoursavingsaccount

Peoplelovetoriponbanksformakingbillionsandbillionsinprofits,butthereisonespecificthingthatmillionsofpeoplearedoingthatallowsthemtoprofit:keepingtheirsavingsinlow-yieldsavingsaccount.TheaverageAPYofsavingsaccountsis0.06%.Theratecanbeaslowas0.01%.Basicallyyouaregettingnothingforyourmoney.

Iwasoneofthosepeople.

Untilrecently,Ihadarock-bottominterestrateonmysavingsaccount.Thethingwas,thiswasanemergencyfundthatIwasgoingtokeepincashlong-term.Itonlymakessensetoparkitinthesavingsaccountwiththehighestyield.

AsIoutlinedinmypostswitchingbanksmadeus$500+ayear.ByswitchingfrommyTCFsavingsaccountthatpaid0.01%APYtoaCITBanksavingsaccountthatpaid2.30%APY,Iessentiallygavemyselfa$500+yearbumpincashflow.

Evenifyouhaveminimalornosavingsrightnowyouprobablyhaveagoalofbuildinganemergencyfund.Banksmakeenoughmoney,don’tdothemafavorbybuildingandkeepingyouremergencyfundinasavingsaccountwitharock-bottominterestrate.

Payattentiontocreditcardrewards

Beforeyoueventhinkabouttakingadvantageofcreditcardrewardsyouneedtomakesureyou1)aren’tincreditcarddebtand2)don’tputmoneyonyourcardsthatyouwouldn’totherwisespend.Ifyouareincreditcarddebtit’simportanttomakepayingdownthatdebtapriority.Ifyoutendtochargethingstocreditcardsthatyouotherwisewouldn’tspend,itprobablydoesn’tmakesensetotakeadvantageofcreditcardrewards.

Ifyoudon’tfallinthosecategories,andyoupayoffyourcardinfulleachmonth,creditcardrewardscouldbeabigwin.Attheveryleastyoushouldbegettingcashbackoneverypurchase(here’ssomeofthetopcashbackcreditcards).Ifyoutakeitastepfurther,though,someofthetravelrewardscreditcardscanbeabigwin.Notonlydomanycomewithgoodsign-upbonuses,theyalsosometimesofferperkslikefreecheckedbags.

Iftravelrewardssoundlikesomethingthatwouldbenefityou(Iknowthey’vesavedmywifeandIthousandsontravel),here’sanoverviewofhowtheycanhelpyouachieveyourtravelgoals.

Wantsomethingmorespecific?Here’showtosavemoneyonUnitedAirlinesflightsandcreditcardsforAmericanAirlinesMiles.

Stopignoringcashbackapps

Bynowyou’reprobablyawarethereareanumberofcashbackappsouttherethatcansaveyoumoney.Buthaveyouputoffactuallytakingadvantageofthesemoney-savingapps?

IknowIwasn’tonboard.Itdidn’tseemlikeyoucouldactuallysavemuch.ButonceIsaved$20onapurchaseoftwopairsofshortsIwashooked.

Onceyouhaveanaccountittrulyisminimalwork.I’vesincesavedhundredswithverylittleeffort.Here’s10+cashbackappsyoushouldconsider(includingsign-upbonusesifyouuseourlinks).Ialsooutlinedtheexact(supersimple)processIgothrougheverytimeIshoponlinebeforepressing“finalizepurchase.”

Checkyoursubscriptions

I’mcertainI’mnotthefirstpersonwhohasrecommendedyoucheckyoursubscriptions.Butseriously:haveyoudoneitlately?

Moreandmoreservicesarebecomingsubscription-based.Ifyoudon’tkeepupwithwhatyouaresubscribingto,youarelikelywastingatleastsomemoneyonservicesyoudon’tuse.

Gothroughyourlastfewmonthsofyourspenddataandidentifyanyrecurringcharges.Isthisaserviceyoustilluse?Andevenifyouuseit,isitworththecost?Orshouldyoubeusingtheservice?

Thisisespeciallyimportanttodaywithsomanystreamingplatforms.IjustcancelledoneofthestreamingplatformsIwassubscribedtowhenIrealizedIhadfourotherstreamingplatformsthatIwasalsopayingfor.There’sonlysomuchcontentyoucanconsume.

Ifyoulovemagazines,here’sahackforgettingfreeones(notallmagazinetitlesareincluded,butthereisawideselection).MywifeandIgetmorethanfivemagazinesubscriptionsfreeofchargeusingthishack.

Don’tleaveeasymoneyonthetablewithyouremployer

Noteveryemployeroffers“easymoney”toitsemployees,soifyougetanyofthefollowingperksyouabsolutelyshouldbetakingadvantageofthem!

401(k)or403(b)match

HealthSavingsAccount(HSA)match

EmployeeStockPurchaseProgram(ESPP)

Thesearetypicallyperksthatshouldbefullytakenadvantageof.Forexample,witharetirementaccountmatchyouwillrarelyseeanotherperkwhereyoucangetadollarorfiftycentsforeachdollaryouputintoanaccount.Takeadvantageofit!

Haveafinancialadviser?Makesureyouaren’twastingmoneyonfees

Doyouhaveafinancialadviser?Timetoseehowmuchtheyarecostingyou.

I’mabigfanoffinancialadvisers…whentheychargeforfinancialadvice,notwhentheychargeongoingfeestomanageyourassets.

Thewaymanyfinancialadviserschargeisapercentageofyourassets.Forsimplicitysake,let’sassumetheycharge1%ofassets.Ifyouhave$300,000worthofinvestmentsthatyourfinancialadvisermanages,youwouldpay$3,000ayeartoyouradviser.Thisiswhymanyadviserswillonlyworkwithclientswithaminimumamountofassets.

Idon’tthinkit’sworthpayingthat,though.Ithinkfinancialadviserscangivegreatadvice,butIthinkthatadviceiswhatpeopleshouldbepayingfor,notongoingassetmanagement.IamnotaCertifiedFinancialAdviserandIcannotgiveindividualinvestmentadvice,butIthinkamajorityofpeoplecankeepitsimplewhenitcomestoinvestingan