1. Balance of payments: keep balance of payments and avoid spending exceeding income.
2. Savings planning: make a savings plan, allocate monthly income to savings and living expenses, maintain the savings mechanism, and accumulate family wealth.
3. Adjust consumption habits: avoid large consumption, moderately control living expenses, and establish reasonable consumption habits.
4. resist debt: avoid borrowing, avoid swiping credit cards, and minimize debt.
5. Investment planning: on the basis of stable savings, make appropriate long-term investment to increase wealth income.
6. Risk management: Before investing, you should evaluate your risk tolerance, avoid blindly following the trend, and do a full investigation and risk assessment before investing.
7. Health protection: Establish family health protection and reserve certain funds for family health and unexpected risks.
8. Tax planning: Understand tax laws and policies, avoid taxes reasonably and save costs.
In short, ordinary people should understand these basic financial knowledge, accumulate financial knowledge and experience, and create a better financial environment for themselves and their families.