1. Establish budget: make monthly budget plan, including necessary expenditure and optional expenditure. Try to spend money according to the budget and avoid overspending.

2. Debt management: strive to pay off debts such as arrears and credit card debts, and reduce the accumulation of interest.

3. Savings: deposit part of income into low-risk financial products such as emergency savings accounts or funds. Wealth management products can not only preserve and increase value, but also make more accurate choices for long-term goals.

4. Investment: Long-term investment can bring better returns. When choosing investment products, we should choose carefully, pay attention to dispersion and avoid risk concentration.

5. Learn to improve financial management ability: learn some knowledge and skills about financial management, let yourself know about different financial products, avoid risks and deal with financial problems.

These are some methods that can be considered. In practice, you need to make appropriate adjustments and improvements according to your personal situation to achieve better results.