Many people want to learn to manage their money, and whenever they hear that others have made a large sum of money from their financial investments, they fantasize that they too can be like them. However, money management has risks, investment needs to be careful. Most newcomers do not know how to start managing money, the following I will give financial novices six points of advice, hoping to reduce the jump into the money trap.

1. Learn financial knowledge

Want to make a breakthrough in the field of personal investment and finance, it is necessary to learn more skills. We have to systematize the study of investment and financial fundamentals, you can buy some financial magazines, financial magazines, etc., are good choices, so that you can flexibly use the financial knowledge learned in the real financial investment, and gradually form their own unique financial style, it is recommended to choose the right financial products for their investment.

2. Accounting at hand

Now is the era of cell phone Internet, we have the opportunity to manage money anytime, anywhere, can use their free time, their day's expenses through the cell phone record down, by week or by quarter to do a detailed analysis, those are necessary expenses, which is unnecessary, long down, will be able to grasp the personal consumption rules, so as to avoid excessive consumption, for personal investment and financial management play a very important role. Just like learning in school, taking notes is the focus of any teacher's emphasis, learning from the past to know the new, we need to constantly summarize the reflection to let us from a novice into a financial master.

3. Reasonable planning

Assets in the case of planning, a reasonable allocation of investment to increase wealth. To reasonably plan living expenses, learn to spend money to earn more money. Reasonable planning of idle funds. Try to use it to improve the efficiency of the use of funds. Let the wealth increase.

4. Short-term investment

Salaried class often less time and income is relatively fixed, personal investment in financial management is more inclined to stable investment, if there is not too much time to manage investment, but at least know the principles of financial management, choose to buy some short term, more stable returns on financial products. In comparison, it is more cost effective than saving demand.

5. Reduce debt

To reduce credit cards and other overdraft behavior consumption. Take tomorrow's money, today to use, advance the future wealth, which means that every time we swipe a credit card is an additional debt, if not paid on time, the excessive interest will make you carry more debt. So we should try to reduce this kind of behavior of consumption.

6.Reduce high-risk investment

The general return on high financial products accompanied by the risk is also quite high. For personal investment and financial management, if not idle funds are very much, it is recommended to choose low-risk steady income type of financial products. Because once the investment fails, it is possible to lose all your money, for us ordinary people can not afford. So we need to reduce the high-risk financial investment products.

All in all, the two most important words of financial management is caution, to firmly believe that the sky is not falling pie.

（Writer：Frid）