1. Make a budget plan: make a monthly revenue and expenditure budget to ensure that the monthly expenditure does not exceed the income.
2. Savings plan: Save as much as possible, and it is recommended to save at least 3-6 months of living expenses.
3. Investment plan: Learn investment knowledge and choose the investment method that suits you, such as stocks, funds and bonds.
4. Establish contingency reserve arrangement: Use part of the funds to establish contingency reserve arrangement in case of emergency.
5. Pay off high-interest debts: Pay off high-interest debts as soon as possible, such as credit card arrears and consumer loans.
6. Insurance planning: purchase appropriate insurance, such as medical insurance and accident insurance, to cope with unpredictable risks.
7. Develop financial habits: regularly check your financial situation, adjust your financial plan, and keep your financial habits.