1. Set clear goals: determine your long-term and short-term financial goals, such as buying a house, traveling, education funds, etc. Make the target specific and quantitative, set time and amount targets, and be planned and directed.

2. Make a budget and control expenses: Make a monthly or weekly budget and list the necessary expenses and optional expenses. Control unnecessary expenditure and focus on meeting basic needs and achieving financial goals.

3. Savings automation: set savings as automatic transfer, and deposit income into savings account every month or every time. This can ensure a fixed monthly savings and avoid unnecessary consumption.

4. Manage debts: make repayment plans and give priority to repaying debts with high interest rates. Avoid abusing credit, ensure timely repayment every month, and maintain a good credit record.

5. Diversification: According to your risk tolerance and investment objectives, diversify your investment into different asset classes, such as stocks, bonds, real estate or funds. Diversified investment can reduce risks and increase returns.

6. Learn basic financial knowledge: increase your financial literacy and learn basic financial knowledge and investment ideas. Understand how to make a financial plan and evaluate investment risks and benefits. , so as to make wise financial decisions.