1. Go to Sina SHOW to learn. There are many experts there. Many senior investment experts will give lectures from time to time. Sina SHOW has opened many rooms where people can communicate. If you want to learn investment and financial management, you'd better go to Sina SHOW to learn, so you can avoid many detours.

two, six habits to develop in financial management

habit one: record financial situation. If you can measure, you can understand, and if you can understand, you can change. Without continuous, organized and accurate records, financial planning is impossible. Therefore, at the beginning of financial planning, it is necessary to record your income and expenditure in detail. A good record enables you to:

1. Measure your economic position-this is the basis for making a reasonable financial plan.

2. Effectively change the current financial management behavior.

3. Measure the progress towards the goal.

It is particularly important to note that to keep a good financial record, you must also establish a file, so that you can know your income, net assets, expenses and liabilities.

habit 2: define values and economic goals.

if you know your own values, you can set economic goals, making them clear, definite, true and feasible. Without a clear goal and direction, it is impossible to make a correct budget; If you don't have enough reasons to restrain yourself, you won't be able to achieve your desired goal in 2, 2 or even 4 years.

habit 3: determine the net assets.

once the economic records are made, it is easy to calculate the net assets-this is also the way most financial experts calculate wealth. Why do we have to calculate the net assets? Because only by knowing the annual net assets can we know how much we have advanced towards the goal.

habit 4: know your income and expenses.

Few people know how they spend their money, or even how much income they have. Without this basic information, it is difficult to make a budget and arrange the use of money reasonably. If you don't know where to spend money, you can't make reasonable changes in spending.

habit 5: make a budget and refer to its implementation.

wealth does not mean how much you have earned, but how much you have left. It sounds that budgeting is not only boring and cumbersome, but also seems to be too artificial, but through budgeting, you can find out the whereabouts of large sums of money in the daily expenses. Moreover, a specific budget is very beneficial for us to achieve our financial goals.

habit 6: cut expenses.

At the beginning, many people complained that they couldn't get more money to invest in order to achieve their economic goals. In fact, the goal is not achieved by a large amount of investment. Cut expenses and save every dollar, because even a small amount of investment may bring a lot of wealth, for example, saving more 1 yuan money every month, what will be the result? If you start investing at the age of 24 and get 1% annual profit, you will have 2, yuan at the age of 34. The longer the investment time, the more obvious the role of compound interest. As time goes on, the profits brought by savings and investment are more obvious. So the earlier you start, the more you save, and the more your profits will multiply.

The above six habits can help us start our own financial life. A good beginning is half the battle.