We should have a comprehensive understanding of our financial situation, including income, expenditure, assets and liabilities.

Only by knowing your own financial situation can you make a targeted financial plan.

For example, if our income is low, we should consider how to increase our income; If our expenditure is high, we should consider how to reduce it; If we have a lot of debts, we should consider how to pay them off.

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2. Reasonably plan expenditures.

The core of making financial planning lies in planning expenditure, and the key to planning expenditure lies in reasonably arranging the use of each expenditure.

Let every expenditure be meaningful and bring tangible benefits.

For example, we can invest some funds to increase the value of funds; You can spend some money on traveling or other hobbies to make your life more colorful.

3. Maintain rational investment.

Investment is a very important link in financial planning, but investment also needs to be cautious.

We should maintain a rational investment mentality, not affected by short-term market fluctuations, and have a long-term investment plan.

At the same time, you should also choose your own investment methods, such as stocks, funds, real estate and so on.

4. Pay attention to risk management.

Financial planning should pay attention not only to the appreciation of assets, but also to the control of risks.

Do a good job in risk management and avoid making mistakes on impulse. At the same time, we should also make good reserves for our future development, such as buying insurance.

5, financial planning is a long-term work, need to constantly sum up experience, constantly adjust.

We should always keep a positive attitude, believe in our own abilities and constantly improve our financial literacy.

Extended data:

What does financial planning generally include?

Financial planning generally includes the following contents:

1. Conditional assumptions of the business plan;

2. Estimate the balance sheet;

3. Estimated income statement;

4. Analysis of cash receipts and payments;

5, the source and use of funds.