1. Determine financial goals: The goals of financial management can be roughly divided into three types: saving money (saving money for buying a commodity), preserving value (in order not to devalue your money because of inflation) and increasing value (that is, making money with money). Saving money is the lowest financial management goal. It doesn't matter whether the money in the bank is increasing or decreasing. You can buy things as long as you save enough money. Preserving value is more technical, you need to consider where your money is invested, and financial management consumes more energy; It is even more difficult to increase the value. In fact, the nature of maintaining and increasing the value is the same. You need to invest your experience in analyzing wealth management products such as stocks, markets and futures, or buy some value-added goods. This also requires you to have a certain economic mind and spend some experience. Consider your own economic strength and the energy you can use for financial management, and then you can decide your own financial management goals.

2 make a financial plan: after analyzing your financial goals, you can make a financial plan. In this step, you should consider which part of your economic income can be used for financial management. For people with higher economic income (with a monthly income of more than N million), your economic income can be divided into three parts: consumption, savings and investment. People who demand high security can save more and invest less, and optimists can spend more and invest less; You can save less and invest more for challenging ones. For those whose monthly income is less than 1,, you can consider reducing consumption to increase savings. If you have a certain economic accumulation, you can also invest in some projects with less risks. For example, buying a house is also a way to maintain and increase value at this stage.

3 determine the investment project: at present, saving can't achieve the purpose of maintaining and increasing the value, because the bank interest is too low and the rmb depreciates quickly, so use money to buy a certain commodity (including stocks) and then use the value of the commodity to maintain and increase your money. This is the basic principle of financial management. If you have a lot of time to manage your money besides work, you can choose some short-term investments, so your liquidity will be faster. If you don't have much time to consider investment projects (such as stocks), you'd better choose some long-term and safe financial management projects in the bank, such as national debt and monetary fund.

4 Grasp the source of news: Now is the information society. Grasping an important piece of information can make you rich overnight. For example, if you know that a certain stock may rise in these two days, you may become rich in these days. The news that is most likely to make you rich overnight is inside information, usually from relatives and friends; Generally, people who speculate in stocks should pay attention to the news at home and abroad; There are also some national policy adjustments that should be paid attention to at any time.

5 Diversified investment field: It is said that eggs can't be put in one basket. For example, if you invest in oil and gold at the same time, these two tend to go up and down, so you won't lose all your money at once. This is very safe, which achieves the purpose of maintaining the value. If you want to achieve the purpose of increasing the value, you need to operate more professionally, but the basic principle is to buy at a low price and sell at a high price.

6 limit the investment period: before investing, you should determine when to withdraw your capital, for example, before buying a certain stock, you should decide whether to do long-term follow-up or short-term speculation. If you don't set a deadline, you will easily have the mentality of "waiting for a while", because investment is like gambling, and everyone has the thinking of "if you are unlucky today, you will win back tomorrow". Once the stock price drops, you will not be willing to give up so much, so you choose to follow up. So, before you start, you should know when it will end.

7 Choose alternative investments: Some investments are invisible, that is, you don't think it is an investment, but it does bring you benefits, such as buying jewelry such as rings when you get married. Do you want to buy a gold ring or a diamond ring? Generally, a gold ring can preserve its value, while a diamond ring will depreciate immediately after it is bought. This is an idea of financial management. A better way to buy a ring is to buy gold yourself, and then find a famous designer to build it, so that your jewelry will not only preserve your value, but also increase its value. In addition to managing money in this way, you can also choose to invest in education, such as enrolling in classes to learn some skills used at work. This kind of investment takes time, but the risk is small and the income is large. In addition, emotional investment is also an alternative investment. Spend some money to do more practical things for relatives and friends, and you will be rewarded when you are in trouble.