First, learn to live within your means. In fact, before this, everyone knew this, but few people could do it. But after an epidemic, many people realized the importance of living within our means. Second, be cautious about spending in advance. In fact, this is somewhat similar to the first point. With the popularity of flowers, white stripes and credit cards. Not only young people, but more and more people are beginning to rely on this kind of consumption. Finally, it is the rational allocation of investment and financial management.

Financial management methods:

1. Bank deposit: Bank deposit is the most stable financial management method, but the income is relatively low.

2. Funds: There are many types of funds, among which the yield of money funds is slightly higher than that of bank deposits, and the withdrawal is more flexible, and the degree of risk is also the lowest among the types of funds.

3. Bonds: Bonds can be divided into bonds issued by enterprises and bonds issued by the government, among which bonds issued by the government are national bonds, and the risks are less than those issued by enterprises;

4. stocks: the stock yield is high, but the risk is also high.

Financial management planning:

1, investors should first make a reasonable estimate of the assets owned by individuals and their future income expectations, which is the basic premise of financial management.

2. According to the individual's actual situation, investors make financial goals and plans, including the starting time of financial management, the products selected, the amount, etc.

3. Investors need to evaluate the risks of various wealth management products and make assumptions about future risks.

4. Investors rationally allocate all assets and choose more than two wealth management products for investment.

Knowledge expansion:

Investment income refers to the income of enterprises or individuals investing abroad (the losses incurred are negative), such as dividend income, bond interest income, profits shared by joint ventures with other units, etc.

Profits, interests, dividends and dividend income from investment. Investment income is a taxable item of enterprise income tax, and enterprise income tax should be levied according to law. After-tax profits returned by the investor enterprise from the invested joint venture, if the investor enterprise income tax rate is lower than that of the joint venture, the income tax paid will not be refunded; If the applicable tax rate of the investor enterprise is higher than that of the joint venture, the after-tax profits returned by the investor enterprise shall be returned as required.