你必须养成的5个理财习惯
经常听到老人们说过这样的一句话“习惯成自然”，就是说做事的方式成习惯了，就很难再去改变它，也成为一种很自然的事了。理财亦如此，养成良好的理财习惯，会让你“一辈子不用为钱发愁”。对此，当你养成了良好的理财习惯，财源自然会滚滚来。
1、勤奋努力，积累人生第一桶金
首先你需要勤奋努力，寻找一份稳定的工作，每月拿到固定收入。并能不断地提高自己的工作能力，晋升加薪。嘉丰瑞德理财师表示随着个人收入的不断增加，你便能快速积累到人生第一桶金，就可以用于理财和投资。还要学习一些投资理财知识，为以后做投资打好基础。
2、养成记账习惯，合理控制消费
要想合理控制好消费，一定要养成记账的好习惯。记账不仅能帮助你了解清楚每一项开支，还能帮你有效地控制消费。你需要经常性地拿出账本进行总结，个人哪些消费过高了，哪些钱不该花等，效果非常明显，会让你省下不少钱。
3、强制自己储蓄，积少成多
很多人每月收入确实很高，但每月仍沦为月光，往往他们忽视了强制储蓄。因此你需要计划好每月储蓄多少钱，剩余的钱再来消费。而且要随着收入的增加，强制储蓄的资金也要等比例提高。嘉丰瑞德理财师表示可以选择零存整取、基金定投或月定投等方式，收益也是越来越高。
4、适当进行投资，让钱赚钱
投资的这部分资金，最好是闲钱，备用金和保命钱一定不能动。嘉丰瑞德理财师表示起初对投资不太懂，可以选择一些保本型的投资方式，比如银行定存、银行保本理财产品等；随着收入的增加，风险承受能力也增强，就可以一些低风险的理财产品，比如宜盛财富宜盛宝，年化收益率10%起；家庭事业都比较稳定了，可以选择像股票、外汇、期货等高风险高收益的投资方式。
5、坚持理财，让其成为一种习惯
最后，就是个人要养成坚持理财的好习惯。嘉丰瑞德理财师为客户做财富体检时,了解到很多人明知道理财的重要性，可是往往在执行的过程中，觉得做起来很烦，一遇到困难就放弃理财，像这种三天打鱼四天晒网的坏习惯一定要改掉！
本文来源： 大田环球贵金属
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