The focus of college students' financial planning is of great practical significance to the current college students, and the financial problems of college students are also common. Here, I put forward some financial suggestions for college students. 1. financial management principle: diligence and prudence are the first. At present, many college students are far from being economically independent and have no stable source of income. Their main demand for funds is to meet their own needs. From this perspective, the financial principles that college students should follow should be thrift and prudent financial management. In terms of expenditure, we should strictly manage, not compare with others, not be vain, form the precious quality of thrift, and accumulate net assets more effectively at the same time. Investment should be rational, don't blindly follow the trend, you can learn to invest appropriately with idle funds, but you must pay attention to risks. 2. Pay attention to the statement and use the credit card carefully. In the wealth management industry, the use of credit cards is actually controversial, especially for college students. The problem with credit cards is that they tend to encourage people to spend, even bad consumption habits. Limited by the repayment ability, once the credit card debt cannot be repaid, it will definitely affect the study and life, and even cause economic pressure to the parents of students. It is suggested that college students who use credit cards develop good financial habits, which can be done by paying attention to the statements. As long as you pay attention to your statement, you can find something. Reports should be managed centrally to facilitate analysis, and summary tables should be made when you have time. On the one hand, you can observe your own consumption behavior, whether it is reasonable and whether it can be improved; On the other hand, we can observe whether interest expenses occur, that is, generate costs, and learn how to calculate credit card interest to avoid unnecessary expenses as much as possible. 3. Learn financial knowledge and understand financial management tools. Some college students are eager to try when they are in school, hoping to accumulate investment experience as soon as possible and help them make profits in the future. This starting point is good, but we must make full preparations before investing. The first thing is to know and understand investment tools. If you are a student majoring in finance, or plan to work in the financial field in the future, you can study systematically in combination with your academic courses and observe the market situation in combination with book knowledge. Students of other majors can use their spare time to learn the basic knowledge of investment tools, start with the library, read relevant books, and then observe the market situation. In addition, college students can attend some lectures on the related knowledge of financial management industry and get more exposure to investment information in practice. It is suggested that college students start with basic investment and financial management tools such as stocks, funds and bonds, and start with basic knowledge. After they are familiar with their own characteristics and methods, they can use their idle funds for practical experience. But the most basic principle is to find the right investment tools, adhere to a cautious strategy, and not be eager for quick success. 4. Financial management needs long-term efforts, and it is necessary for college students to cultivate good financial management habits by actively learning scientific and reasonable financial management concepts. However, at the same time, college students can't forget a premise, that is, they can't affect their studies and courses, and they can't be overly addicted to financial management and investment. In addition, we should be psychologically prepared for financial management. Financial management is not like many college students think, getting rich overnight or once and for all. Financial management requires long-term efforts and great patience and perseverance.