{"id":809,"date":"2019-07-11T13:48:55","date_gmt":"2019-07-11T06:48:55","guid":{"rendered":"http:\/\/hoclamgiau.vn\/?p=809"},"modified":"2020-03-28T22:12:29","modified_gmt":"2020-03-28T15:12:29","slug":"quan-ly-tai-chinh-ca-nhan","status":"publish","type":"post","link":"https:\/\/hoclamgiau.vn\/quan-ly-tai-chinh-ca-nhan\/","title":{"rendered":"H\u01b0\u1edbng D\u1eabn Qu\u1ea3n L\u00fd T\u00e0i Ch\u00ednh C\u00e1 Nh\u00e2n Hi\u1ec7u Qu\u1ea3 Nh\u1ea5t"},"content":{"rendered":"

 <\/p>\n

\"quan-ly-tai-chinh-ca-nhan-hieu-qua\"<\/p>\n

Khi c\u00f3 nhi\u1ec1u ti\u1ec1n trong tay, vi\u1ec7c \u0111\u1ea7u ti\u00ean m\u00e0 b\u1ea1n s\u1ebd l\u00e0m l\u00e0 g\u00ec? Mua s\u1eafm, shopping, ti\u1ebft ki\u1ec7m hay \u0111\u1ea7u t\u01b0 l\u1ea5y l\u00e3i. Thay v\u00ec nh\u1eefng vi\u1ec7c \u0111\u00f3, c\u00e1c b\u1ea1n h\u00e3y ngh\u0129 ngay \u0111\u1ebfn c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n sao cho th\u1eadt hi\u1ec7u qu\u1ea3. B\u1edfi, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00f3ng vai tr\u00f2 c\u1ef1c k\u1ef3 quan tr\u1ecdng.<\/b><\/p>\n

H\u00e3y t\u1ea1o cho m\u00ecnh th\u00f3i quen qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n khi c\u00f2n tr\u1ebb. \u0110\u00f3 s\u1ebd l\u00e0 ti\u1ec1n \u0111\u1ec1 tuy\u1ec7t v\u1eddi cho nh\u1eefng k\u1ebf ho\u1ea1ch l\u1edbn trong t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n.<\/p>\n

T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 li\u00ean quan \u0111\u1ebfn vi\u1ec7c thu v\u00e0 chi d\u00f2ng ti\u1ec1n c\u1ee7a gia \u0111\u00ecnh b\u1ea1n ho\u1eb7c c\u1ee7a b\u1ea1n. C\u00f2n v\u1eadn d\u1ee5ng nh\u1eefng nguy\u00ean t\u1eafc trong kinh doanh \u0111\u1ec3 qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng ti\u1ec1n h\u1ee3p l\u00fd l\u00e0 <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>.<\/span><\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b> kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ti\u1ec1n b\u1ea1c m\u00e0 c\u00f2n l\u00e0 c\u00e1ch gi\u00fap b\u1ea1n l\u00ean k\u1ebf ho\u1ea1ch d\u00e0i h\u01a1i trong t\u01b0\u01a1ng lai. V\u1eady qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh nh\u01b0 th\u1ebf n\u00e0o cho hi\u1ec7u qu\u1ea3? D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd b\u1eadt m\u00ed m\u1ed9t s\u1ed1 b\u00ed quy\u1ebft <\/span>qu\u1ea3n l\u00fd<\/b> t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>, c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o \u0111\u1ec3 x\u00e2y d\u1ef1ng cho m\u00ecnh ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p.<\/span><\/p>\n

H\u1ecdc h\u1ecfi ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh<\/b><\/h2>\n

Mu\u1ed1n <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/span>, ph\u1ea3i c\u00f3 ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh. \u0110\u00f3 l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn. V\u1eady b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh ch\u01b0a?<\/span><\/p>\n

\"quan-ly-tai-chinh-khong-kho\"<\/p>\n

B\u1ea1n n\u00ean g\u1eb7p g\u1ee1, trao \u0111\u1ed5i v\u1edbi c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, c\u00e1c doanh nh\u00e2n th\u00e0nh \u0111\u1ea1t \u0111\u1ec3 l\u1eafng nghe nh\u1eefng chia s\u1ebb c\u1ee7a h\u1ecd. Nh\u1eefng g\u00ec h\u1ecd chia s\u1ebb s\u1ebd l\u00e0 nh\u1eefng ki\u1ebfn th\u1ee9c qu\u00fd gi\u00e1. B\u1ea1n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh cho m\u00ecnh.<\/span><\/p>\n

Tham gia m\u1ed9t kh\u00f3a h\u1ecdc v\u1ec1 <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b> c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch b\u1ed5 sung ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh. B\u1ea1n h\u00e3y s\u1eafp x\u1ebfp th\u1eddi gian \u0111\u1ebfn l\u1edbp \u0111\u1ec3 m\u1edf r\u1ed9ng, trau d\u1ed3i th\u00eam c\u00e1c ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. <\/span><\/p>\n

H\u00e3y h\u1ecdc c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n v\u00e0 chi ti\u00eau d\u01b0\u1edbi kh\u1ea3 n\u0103ng cho ph\u00e9p, h\u1ecdc c\u00e1ch thi\u1ebft l\u1eadp ng\u00e2n s\u00e1ch, h\u1ecdc c\u00e1ch l\u1ef1a ch\u1ecdn \u01b0u ti\u00ean trong chi ti\u00eau, h\u1ecdc c\u00e1ch ti\u1ebft ki\u1ec7m th\u00f4ng minh v\u00e0 h\u1ecdc c\u00e1ch ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed.<\/span><\/p>\n

Th\u00f4ng qua \u0111\u00f3, b\u1ea1n s\u1ebd b\u1ea5t ng\u1edd v\u1edbi nh\u1eefng ki\u1ebfn th\u1ee9c m\u00e0 b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c. B\u1edbi, n\u00f3 c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n b\u1ea1n.<\/span><\/p>\n

L\u1eadp k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b><\/h2>\n

L\u1eadp k\u1ebf ho\u1ea1ch<\/span> qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b> \u0111\u00f3ng vai tr\u00f2 c\u1ef1c k\u1ef3 quan tr\u1ecdng gi\u00fap b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u1ec1 ra. Do \u0111\u00f3, b\u1ea1n h\u00e3y l\u1eadp cho m\u00ecnh m\u1ed9t k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng. V\u00e0 l\u01b0u \u00fd l\u00e0 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi b\u1ea3n th\u00e2n. Trong k\u1ebf ho\u1ea1ch \u0111\u00f3 ph\u1ea3i c\u00f3 m\u1ee5c ti\u00eau, \u01b0\u1edbc l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c thu nh\u1eadp, c\u00e2n nh\u1eafc c\u00e1c kho\u1ea3n thu chi\u2026<\/span><\/p>\n

\"hay-kiem-soat-tai-chinh-cua-ban\"<\/p>\n

–\u00a0 \u0110\u1eb7t ra c\u00e1c m\u1ee5c ti\u00eau<\/span><\/i><\/p>\n

M\u1ee5c ti\u00eau l\u00e0 kim ch\u1ec9 nam gi\u00fap cho k\u1ebf ho\u1ea1ch c\u1ee7a b\u1ea1n th\u00e0nh c\u00f4ng. V\u00ec v\u1eady b\u1ea1n h\u00e3y v\u1ea1ch cho m\u00ecnh m\u1ee5c ti\u00eau theo th\u00e1ng, theo qu\u00fd, theo n\u0103m,\u2026 M\u1ee5c ti\u00eau bao g\u1ed3m: S\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m l\u00e0 bao nhi\u00eau? M\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 g\u00ec? M\u1ee5c ti\u00eau h\u01b0\u1edfng th\u1ee5 l\u00e0 g\u00ec? Chi ti\u00eau thi\u1ebft y\u1ebfu l\u00e0 bao nhi\u00eau? Trong th\u1eddi gian bao l\u00e2u?<\/span><\/p>\n

Li\u1ec7t k\u00ea m\u1ee5c ti\u00eau c\u0169ng l\u00e0 c\u00e1ch gi\u00fap b\u1ea1n ch\u1ecdn \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng ph\u00e1p <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n <\/b>c\u1ee7a m\u00ecnh. V\u00ec v\u1eady, b\u1ea1n h\u00e3y d\u00e0nh th\u1eddi gian t\u00ecm hi\u1ec3u nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n c\u0169ng nh\u01b0 t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u01b0a ra m\u1ee5c ti\u00eau ph\u00f9 h\u1ee3p.<\/span><\/p>\n

– \u01af\u1edbc l\u01b0\u1ee3ng thu nh\u1eadp\u00a0<\/span><\/i><\/p>\n

B\u00ean c\u1ea1nh c\u00e1c kho\u1ea3n chi th\u01b0\u1eddng xuy\u00ean, c\u00e1c b\u1ea1n h\u00e3y li\u1ec7t k\u00ea nh\u1eefng kho\u1ea3n thu nh\u1eadp t\u0103ng th\u00eam. Nh\u00ecn chung c\u00f3 3 ngu\u1ed3n cho thu nh\u1eadp l\u00e0 c\u00f4ng vi\u1ec7c ch\u00ednh, kinh doanh th\u00eam, \u0111\u1ea7u t\u01b0.<\/span><\/p>\n

B\u1ea1n h\u00e3y \u01b0\u1edbc l\u01b0\u1ee3ng c\u1ee5 th\u1ec3 theo th\u00e1ng ho\u1eb7c theo n\u0103m. Kh\u00e2u n\u00e0y r\u1ea5t c\u1ea7n thi\u1ebft. N\u00f3 gi\u00fap k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n d\u1ec5 d\u00e0ng th\u1ef1c hi\u1ec7n h\u01a1n.<\/span><\/p>\n

– Li\u1ec7t k\u00ea chi ti\u1ebft c\u00e1c kho\u1ea3n thu, chi<\/span><\/i><\/p>\n

B\u1ea1n h\u00e3y li\u1ec7t k\u00ea c\u00e1c kho\u1ea3n thu, chi theo ng\u00e0y. Vi\u1ec7c l\u00e0m n\u00e0y s\u1ebd gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd ti\u1ec1n b\u1ea1c. \u0110\u1ed3ng th\u1eddi, th\u00f4ng qua n\u00f3, b\u1ea1n s\u1ebd bi\u1ebft c\u00e1c kho\u1ea3n ti\u1ec1n chi cho nhu c\u1ea7u thi\u1ebft y\u1ebfu l\u00e0 bao nhi\u00eau?, h\u01b0\u1edfng th\u1ee5 l\u00e0 bao nhi\u00eau?, t\u00e0i ch\u00ednh l\u00e0 bao nhi\u00eau? Nh\u01b0 v\u1eady, b\u1ea1n s\u1ebd ph\u00e2n b\u1ed5 ti\u1ec1n h\u1ee3p l\u00fd theo t\u1eebng nh\u00f3m.<\/span><\/p>\n

– \u0110\u1eb7t khung th\u1eddi gian \u0111\u1ec3 ho\u00e0n th\u00e0nh<\/span><\/i><\/p>\n

H\u00e3y chia m\u1ee5c ti\u00eau ch\u00ednh th\u00e0nh c\u00e1c m\u1ee5c nh\u1ecf h\u01a1n v\u00e0 g\u1eafn cho ch\u00fang nh\u1eefng m\u1ed1c th\u1eddi gian c\u1ee5 th\u1ec3. V\u00e0 n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m ngay. Sau \u0111\u00f3 t\u1edbi m\u1ee5c ti\u00eau xa h\u01a1n. V\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n.<\/span><\/p>\n

– Tu\u00e2n th\u1ee7 k\u1ebf ho\u1ea1ch<\/span><\/i><\/p>\n

B\u1ea1n ph\u1ea3i \u0111\u1ea3m b\u1ea3o r\u1eb1ng, nh\u1eefng g\u00ec b\u1ea1n v\u1ebd ra ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec7n th\u1ef1c h\u00f3a. C\u00f3 nh\u01b0 v\u1eady, k\u1ebf ho\u1ea1ch c\u1ee7a b\u1ea1n m\u1edbi \u0111\u1ea1t hi\u1ec7u qu\u1ea3.<\/span><\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n b\u1eb1ng excel<\/b><\/h2>\n

Excel l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u doanh nh\u00e2n th\u00e0nh \u0111\u1ea1t s\u1eed d\u1ee5ng. B\u1edfi, excel ti\u1ebfp nh\u1eadn v\u00e0 x\u1eed l\u00fd th\u00f4ng tin nhanh ch\u00f3ng. B\u00ean c\u1ea1nh \u0111\u00f3, Excel l\u00e0 c\u00f4ng c\u1ee5 ph\u1ed5 bi\u1ebfn, d\u1ec5 s\u1eed d\u1ee5ng, hi\u1ec7u su\u1ea5t mang l\u1ea1i r\u1ea5t cao. <\/span><\/p>\n

M\u1eb7t kh\u00e1c, <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n b\u1eb1ng excel<\/span> b\u1ea1n s\u1ebd th\u1ed1ng k\u00ea, ph\u00e2n lo\u1ea1i c\u00e1c kho\u1ea3n chi ti\u00eau r\u00f5 r\u00e0ng, h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3 v\u00e0 t\u00ecm ki\u1ebfm th\u00f4ng tin c\u0169ng r\u1ea5t d\u1ec5 d\u00e0ng.\u00a0<\/span><\/p>\n

\"tien-la-cua-ban-phai-biet-cahc-tieu-hop-ly\"<\/p>\n

– C\u00e1c t\u00ednh n\u0103ng ch\u00ednh c\u1ee7a ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n b\u1eb1ng excel<\/span><\/i><\/p>\n

Hi\u1ec7n nay, excel kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, c\u00e1c doanh nghi\u1ec7p, c\u00f4ng ty l\u1edbn c\u0169ng s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m n\u00e0y \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a nh\u00e2n c\u00f4ng, thu\u1ebf\u2026 B\u1edfi n\u00f3 c\u00f3 r\u1ea5t nhi\u1ec1u t\u00ednh n\u0103ng n\u1ed5i tr\u1ed9i nh\u01b0:\u00a0<\/span><\/p>\n

L\u1eadp k\u1ebf ho\u1ea1ch thu, chi h\u00e0ng th\u00e1ng.\u00a0<\/span><\/p>\n

L\u1eadp k\u1ebf ho\u1ea1ch th\u1ef1c hi\u1ec7n t\u0103ng thu nh\u1eadp ho\u1eb7c ti\u1ebft ki\u1ec7m ti\u1ec1n.\u00a0<\/span><\/p>\n

Theo d\u00f5i chi ti\u00eau h\u00e0ng ng\u00e0y.<\/span><\/p>\n

B\u00e1o c\u00e1o chi ti\u00eau h\u00e0ng th\u00e1ng.\u00a0<\/span><\/p>\n

B\u00e1o c\u00e1o so s\u00e1nh chi ti\u00eau th\u1ef1c t\u1ebf so v\u1edbi k\u1ebf ho\u1ea1ch \u0111\u1ec1 ra.\u00a0<\/span><\/p>\n

– C\u00e1ch s\u1eed d\u1ee5ng excel qu\u1ea3n l\u00fd chi t\u00e0i ch\u00ednh nh\u00e2n<\/span><\/i><\/p>\n

\u0110\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c b\u1eb1ng excel m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, b\u1ea1n c\u1ea7n th\u1ef1c hi\u1ec7n, c\u1eadp nh\u1eadt th\u01b0\u1eddng xuy\u00ean v\u00e0 li\u00ean t\u1ee5c. B\u1ea1n ti\u1ebfn h\u00e0nh theo c\u00e1c b\u01b0\u1edbc sau:\u00a0<\/span><\/p>\n

B\u01b0\u1edbc 1: L\u1eadp danh s\u00e1ch c\u00e1c kho\u1ea3n thu nh\u1eadp v\u00e0 chi ti\u00eau.\u00a0<\/span><\/p>\n

B\u01b0\u1edbc 2: L\u1eadp k\u1ebf ho\u1ea1ch thu, chi.\u00a0<\/span><\/p>\n

B\u01b0\u1edbc 3: C\u1eadp nh\u1eadt c\u00e1c kho\u1ea3n thu, chi h\u00e0ng ng\u00e0y.\u00a0<\/span><\/p>\n

\u0110\u00e2y l\u00e0 c\u00f4ng vi\u1ec7c v\u00f4 c\u00f9ng quan tr\u1ecdng, b\u1ea1n ph\u1ea3i c\u1eadp nh\u1eadt d\u1eef li\u1ec7u thu, chi th\u01b0\u1eddng xuy\u00ean v\u00e0 li\u00ean t\u1ee5c.\u00a0<\/span><\/p>\n

B\u01b0\u1edbc 4: Xem b\u00e1o c\u00e1o thu, chi th\u1ef1c t\u1ebf so v\u1edbi k\u1ebf ho\u1ea1ch.<\/span><\/p>\n

B\u1ea1n c\u1ea7n xem x\u00e9t xem th\u00e1ng n\u00e0y th\u00ec kho\u1ea3n n\u00e0o b\u1ecb chi v\u01b0\u1ee3t ho\u1eb7c thu nh\u1eadp b\u1ea5t th\u01b0\u1eddng. \u0110\u1ec3 t\u1eeb \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh ph\u00f9 h\u1ee3p trong c\u00e1c th\u00e1ng t\u1edbi.<\/span><\/p>\n

B\u1ea1n th\u1ea5y \u0111\u00f3, ch\u1ec9 c\u1ea7n c\u00f3 ph\u1ea7n m\u1ec1m excel trong m\u00e1y t\u00ednh l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd v\u00e0 hi\u1ec7u qu\u1ea3. V\u00ec v\u1eady, b\u1ea1n n\u00ean th\u1eed ngay ph\u01b0\u01a1ng ph\u00e1p n\u00e0y.\u00a0<\/span><\/p>\n

Chia thu nh\u1eadp th\u00e0nh 6 c\u00e1i l\u1ecd<\/b><\/h2>\n

Tri\u1ec7u ph\u00fa T.Harv Eker \u0111\u00e3 \u0111\u01b0a ra c\u00e1ch <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 <\/span>nh\u1ea5t th\u1ebf gi\u1edbi. \u0110\u00f3 l\u00e0 c\u00e1ch chia thu nh\u1eadp h\u00e0ng th\u00e1ng th\u00e0nh 6 ph\u1ea7n v\u00e0 b\u1ecf v\u00e0o 6 c\u00e1i l\u1ecd. M\u1ed7i c\u00e1i l\u1ecd c\u00f3 t\u00ean, ch\u1ee9c n\u0103ng ri\u00eang. Theo \u00f4ng Harv Eker, b\u1ea5t c\u1ee9 ai c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p 6 c\u00e1i l\u1ecd \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c. B\u1ea1n h\u00e3y th\u1eed v\u1eadn d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y nh\u00e9!<\/span><\/p>\n

Ng\u01b0\u1eddi gi\u00e0u v\u00e0 ng\u01b0\u1eddi ngh\u00e8o s\u1ebd c\u00f3 c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh kh\u00e1c nhau. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi ngh\u00e8o, ti\u1ec1n ti\u1ebft ki\u1ec7m b\u1eb1ng thu nh\u1eadp tr\u1eeb \u0111i chi ph\u00ed. C\u00f2n v\u1edbi ng\u01b0\u1eddi gi\u00e0u, chi ph\u00ed l\u1ea1i b\u1eb1ng thu nh\u1eadp tr\u1eeb \u0111i ti\u1ebft ki\u1ec7m. Qua \u0111\u00e2y c\u00f3 th\u1ec3 nh\u1eadn th\u1ea5y, c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh gi\u1eefa ng\u01b0\u1eddi gi\u00e0u v\u00e0 ng\u01b0\u1eddi ngh\u00e8o kh\u00e1c nhau. <\/span><\/p>\n

Nh\u01b0ng d\u00f9 gi\u00e0u hay ngh\u00e8o, n\u1ebfu b\u1ea1n bi\u1ebft c\u00e1ch \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p 6 c\u00e1i l\u1ecd th\u00ec ti\u1ec1n b\u1ea1c c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd khoa h\u1ecdc v\u00e0 ch\u1eb7t ch\u1ebd.<\/span><\/p>\n

\u0110\u1ea7u ti\u00ean, b\u1ea1n h\u00e3y chu\u1ea9n b\u1ecb 6 c\u00e1i l\u1ecd. N\u00f3 c\u00f3 th\u1ec3 l\u00e0 heo \u0111\u1ea5t, t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, h\u0169 nh\u1ef1a trong su\u1ed1t ho\u1eb7c k\u00e9t s\u1eaft. M\u1ed7i c\u00e1i l\u1ecd h\u00e3y \u0111\u1eb7t cho n\u00f3 m\u1ed9t c\u00e1i t\u00ean v\u00e0 d\u00e1n nh\u00e3n l\u00ean. Nh\u01b0 v\u1eady, b\u1ea1n s\u1ebd kh\u00f4ng b\u1ecb nh\u1ea7m l\u1eabn.<\/span><\/p>\n

\"quan-ly-tai-chinh-theo-nguyen-tac-6-chiec-lo\"<\/p>\n

Ti\u1ebfp \u0111\u1ebfn, h\u00e3y c\u1ed9ng t\u1ea5t c\u1ea3 thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n, bao g\u1ed3m l\u01b0\u01a1ng c\u1ee9ng, l\u00e0m th\u00eam, th\u01b0\u1edfng, \u0111\u01b0\u1ee3c cho\u2026 Sau \u0111\u00f3, ph\u00e2n b\u1ed5 v\u00e0o 6 c\u00e1i l\u1ecd 6 lo\u1ea1i qu\u1ef9 kh\u00e1c nhau. Ph\u1ea7n tr\u0103m ti\u1ec1n ph\u00e2n b\u1ed5 v\u00e0o 6 l\u1ecd theo t\u1ef7 l\u1ec7 sau:<\/span><\/p>\n

– <\/span>L\u1ecd 1: Chi ti\u00eau thi\u1ebft y\u1ebfu h\u00e0ng ng\u00e0y chi\u1ebfm 55%<\/span><\/i><\/p>\n

Qu\u1ef9 n\u00e0y gi\u00fap b\u1ea1n b\u1ea3o \u0111\u1ea3m chi tr\u1ea3 c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a cu\u1ed9c s\u1ed1ng nh\u01b0 chi tr\u1ea3 ti\u1ec1n nh\u00e0, \u0103n u\u1ed1ng, x\u0103ng xe, \u0111i\u1ec7n tho\u1ea1i\u2026 V\u00ec v\u1eady, n\u00f3 chi\u1ebfm ph\u1ea7n tr\u0103m cao nh\u1ea5t.<\/span><\/p>\n

N\u1ebfu b\u1ea1n d\u00f9ng tr\u00ean 80% thu nh\u1eadp h\u00e0ng th\u00e1ng cho l\u1ecd n\u00e0y. B\u1ea1n c\u1ea7n l\u00e0m th\u00eam nhi\u1ec1u vi\u1ec7c \u0111\u1ec3 t\u0103ng thu nh\u1eadp ho\u1eb7c ph\u1ea3i c\u1eaft gi\u1ea3m chi ph\u00ed m\u1edbi \u0111\u1ea1t \u0111\u1ebfn ng\u01b0\u1ee1ng t\u1ef1 do t\u00e0i ch\u00ednh. Do \u0111\u00f3, h\u00e3y c\u00e2n nh\u1eafc thu nh\u1eadp c\u1ee7a m\u00ecnh \u0111\u1ec3 ph\u00e2n b\u1ed5 h\u1ee3p l\u00fd.<\/span><\/p>\n

– Qu\u1ef9 ti\u1ebft ki\u1ec7m chi\u1ebfm 10%<\/span><\/i><\/p>\n

Qu\u1ef9 ti\u1ebft ki\u1ec7m gi\u00fap b\u1ea1n \u0111\u1ec3 d\u00e0nh m\u1ed9t kho\u1ea3n n\u00e0o \u0111\u00f3 \u0111\u1ec3 c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n nh\u1eefng k\u1ebf ho\u1ea1ch l\u1edbn trong t\u01b0\u01a1ng lai nh\u01b0 mua nh\u00e0, kinh doanh, mua xe\u2026 Qu\u1ef9 n\u00e0y \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng. V\u00ec v\u1eady, b\u1ea1n h\u00e3y ph\u00e2n b\u1ed5 10% thu nh\u1eadp v\u00e0o n\u00f3.<\/span><\/p>\n

L\u1ecd n\u00e0y nh\u1eb1m m\u1ee5c \u0111\u00edch ti\u1ebft ki\u1ec7m cho d\u00e0i h\u1ea1n v\u00e0 ti\u1ebft ki\u1ec7m cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p. V\u1edbi 10% \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5, b\u1ea1n n\u00ean ph\u00e2n th\u00e0nh 2 ph\u1ea7n b\u1eb1ng nhau \u0111\u1ec3 d\u00f9ng cho 2 m\u1ee5c \u0111\u00edch tr\u00ean. Khi \u0111\u00e3 ti\u1ebft ki\u1ec7m \u0111\u1ee7 cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, b\u1ea1n c\u00f3 th\u1ec3 c\u1ea5t ri\u00eang kho\u1ea3n n\u00e0y v\u00e0 t\u1eadp trung cho nh\u1eefng m\u1ee5c ti\u00eau l\u00e2u d\u00e0i.<\/span><\/p>\n

– Qu\u1ef9 gi\u00e1o d\u1ee5c \u0111\u00e0o t\u1ea1o chi\u1ebfm 10%<\/span><\/i><\/p>\n

M\u1ee5c \u0111\u00edch c\u1ee7a qu\u1ef9 n\u00e0y l\u00e0 \u0111\u1ea3m b\u1ea3o nhu c\u1ea7u r\u00e8n luy\u1ec7n, h\u1ecdc t\u1eadp c\u1ee7a b\u1ea1n. Qu\u1ef9 gi\u00e1o d\u1ee5c \u0111\u00e0o t\u1ea1o<\/span> d\u00f9ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o ch\u00ednh b\u1ea3n th\u00e2n c\u1ee7a b\u1ea1n. H\u00e3y d\u00f9ng n\u00f3 \u0111\u1ec3 chi tr\u1ea3 cho vi\u1ec7c mua s\u00e1ch, tham gia c\u00e1c kh\u00f3a h\u1ecdc, h\u1ecdc ngo\u1ea1i ng\u1eef,\u2026 Qu\u1ef9 n\u00e0y y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i \u0111\u1ea7u t\u01b0 v\u00ec kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ea7u t\u01b0 n\u00e0o th\u00f4ng minh b\u1eb1ng \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n.<\/span><\/p>\n

– Qu\u1ef9 t\u1ef1 do t\u00e0i ch\u00ednh chi\u1ebfm 10%<\/span><\/i><\/p>\n

Qu\u1ef9 t\u1ef1 do t\u00e0i ch\u00ednh gi\u00fap cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n tho\u1ea3i m\u00e1i h\u01a1n. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 g\u1ecdi l\u00e0 qu\u1ef9 h\u01b0u tr\u00ed. B\u1edfi khi v\u1ec1 gi\u00e0, b\u1ea1n kh\u00f4ng \u0111i l\u00e0m m\u00e0 v\u1eabn kh\u00f4ng c\u1ea7n ph\u1ea3i ph\u1ee5 thu\u1ed9c v\u00e0o t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.<\/span><\/p>\n

\"tien-khong-de-kiem-chut-nao-ca\"<\/p>\n

V\u1edbi 10%, b\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 do chi ti\u00eau ho\u1eb7c d\u00f9ng n\u00f3 \u0111\u1ea7u t\u01b0 sinh l\u1eddi. B\u1ea1n h\u00e3y coi qu\u1ef9 n\u00e0y nh\u01b0 m\u1ed9t con ng\u1ed7ng \u0111\u1ebb tr\u1ee9ng v\u00e0ng. V\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o ph\u00e2n b\u1ed5 ti\u1ec1n thu nh\u1eadp h\u00e0ng th\u00e1ng v\u00e0o n\u00f3.<\/span><\/p>\n

– Qu\u1ef9 h\u01b0\u1edfng th\u1ee5 chi\u1ebfm 10%<\/span><\/i><\/p>\n

B\u1ea1n h\u00e3y d\u00f9ng 10% thu nh\u1eadp \u0111\u1ec3 chi cho b\u1ea3n th\u00e2n. C\u00f3 th\u1ec3 l\u00e0 mua m\u1ed9t th\u1ecfi son, m\u1ed9t chuy\u1ebfn du l\u1ecbch ho\u1eb7c mua m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i m\u1edbi\u2026 nh\u1eefng vi\u1ec7c n\u00e0y s\u1ebd gi\u00fap cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n th\u00fa v\u1ecb h\u01a1n r\u1ea5t nhi\u1ec1u. Nh\u01b0ng h\u00e3y nh\u1edb, ch\u1ec9 h\u01b0\u1edfng th\u1ee5 trong ph\u1ea1m vi 10% th\u00f4i nh\u00e9.<\/span><\/p>\n

– Qu\u1ef9 chia s\u1ebb chi\u1ebfm 5%<\/span><\/i><\/p>\n

Qu\u1ef9 chia s\u1ebb d\u00e0nh \u0111\u1ec3 cho \u0111i. H\u00e3y mua nh\u1eefng m\u00f3n qu\u00e0 hay l\u00e0m t\u1eeb thi\u1ec7n v\u1edbi m\u1ee5c \u0111\u00edch ch\u00ednh l\u00e0 gi\u00fap \u0111\u1ee1 ng\u01b0\u1eddi kh\u00e1c. S\u1ed1ng c\u0169ng c\u00f3 ngh\u0129a l\u00e0 s\u1ebb chia, b\u1ea1n cho \u0111i \u0111\u1ec3 nh\u1eadn l\u1ea1i nhi\u1ec1u h\u01a1n.\u00a0<\/span><\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p 50\/30\/20<\/b><\/h2>\n

Ph\u01b0\u01a1ng ph\u00e1p 50\/30\/20 \u0111\u01b0\u1ee3c xem l\u00e0 gi\u1ea3i ph\u00e1p c\u1ee9u c\u00e1nh cho nh\u1eefng ai \u0111ang t\u1eadp t\u00e0nh <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>. H\u00e3y th\u1eed b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c b\u1eb1ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, b\u1ea1n s\u1ebd l\u00e0m quen v\u1edbi c\u00e1ch ph\u00e2n b\u1ed5 ti\u1ec1n m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd.<\/span><\/p>\n

B\u1ea1n c\u00f3 th\u1ec3 hi\u1ec3u, ph\u01b0\u01a1ng ph\u00e1p 50\/30\/20 l\u00e0 chia thu nh\u1eadp ra t\u1eebng nh\u00f3m ri\u00eang bi\u1ec7t. T\u1eeb \u0111\u00f3, n\u00f3 gi\u00fap b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch chi ti\u00eau m\u1ed9t c\u00e1ch khoa h\u1ecdc, ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea3n th\u00e2n. <\/span><\/p>\n

V\u1edbi quy t\u1eafc n\u00e0y, thu nh\u1eadp c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chia nh\u1ecf th\u00e0nh 3 ph\u1ea7n theo t\u1ef7 l\u1ec7 50%, 20% v\u00e0 30%. C\u1ee5 th\u1ec3 nh\u01b0 sau:<\/span><\/p>\n

– 50% thu nh\u1eadp cho c\u00e1c chi ti\u00eau thi\u1ebft y\u1ebfu<\/span><\/i><\/p>\n

Vi\u1ec7c \u0111\u1ea7u ti\u00ean sau khi b\u1ea1n nh\u1eadn l\u01b0\u01a1ng l\u00e0 ph\u00e2n b\u1ed5 50% cho c\u00e1c chi ti\u00eau thi\u1ebft y\u1ebfu c\u1ee7a b\u1ea3n th\u00e2n. B\u1edfi \u0111\u00e2y l\u00e0 kho\u1ea3n chi ph\u00ed b\u1ea1n b\u1eaft bu\u1ed9c ph\u1ea3i b\u1ecf ra h\u00e0ng th\u00e1ng b\u1ea5t k\u1ec3 b\u1ea1n l\u00e0m g\u00ec, b\u1ea1n \u1edf \u0111\u00e2u?\u2026 \u0110\u00f3 l\u00e0 chi ph\u00ed thu\u00ea nh\u00e0, \u0103n, u\u1ed1ng, \u0111i l\u1ea1i, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc, x\u0103ng, d\u1ea7u\u2026<\/span><\/p>\n

B\u1ea1n kh\u00f4ng n\u00ean chi qu\u00e1 50% cho nh\u1eefng chi ph\u00ed n\u00e0y. Tr\u01b0\u1eddng h\u1ee3p v\u01b0\u1ee3t qu\u00e1 con s\u1ed1 tr\u00ean, b\u1ea1n h\u00e3y gi\u1ea3m b\u1edbt chi ph\u00ed b\u1eb1ng c\u00e1ch n\u1ea5u \u0103n t\u1ea1i nh\u00e0, ti\u1ebft ki\u1ec7m \u0111i\u1ec7n, n\u01b0\u1edbc\u2026<\/span><\/p>\n

– 20% cho m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/span><\/i><\/p>\n

Ti\u1ebfp \u0111\u1ebfn, b\u1ea1n h\u00e3y tr\u00edch 20% ti\u1ec1n l\u01b0\u01a1ng v\u00e0o m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh. Bao g\u1ed3m ti\u1ebft ki\u1ec7m, d\u1ef1 ph\u00f2ng, \u0111\u1ea7u t\u01b0, tr\u1ea3 n\u1ee3. \u0110\u00e2y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai. Gi\u00e1 tr\u1ecb c\u1ee7a nh\u00f3m n\u00e0y c\u00e0ng l\u1edbn, khi v\u1ec1 h\u01b0u b\u1ea1n s\u1ebd \u0111\u1ea3m b\u1ea3o cu\u1ed9c s\u1ed1ng \u0111\u01b0\u1ee3c tho\u1ea3i m\u00e1i.<\/span><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc th\u1eddi h\u1ea1n c\u0169ng l\u00e0 c\u00e1ch gi\u00fap b\u1ea1n gi\u1ea3m nh\u1eb9 \u00e1p l\u1ef1c t\u00e0i ch\u00ednh. Kh\u00f4ng nh\u1eefng th\u1ebf, \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh c\u00f2n l\u00e0 c\u00e1ch gi\u00fap b\u1ea1n ki\u1ebfm th\u00eam ti\u1ec1n. Do \u0111\u00f3, b\u1ea1n h\u00e3y c\u00e2n nh\u1eafc k\u1ef9 c\u00e0ng \u0111\u1ec3 ph\u00e2n b\u1ed5 ti\u1ec1n v\u00e0o nh\u00f3m n\u00e0y. \u0110\u1ed3ng th\u1eddi chi kho\u1ea3n n\u00e0y theo th\u1ee9 t\u1ef1 \u01b0u ti\u00ean. Tr\u1ea3 n\u1ee3 tr\u01b0\u1edbc nh\u1eefng vi\u1ec7c kh\u00e1c t\u00ednh sau.\u00a0<\/span><\/p>\n

– 30% cho chi ti\u00eau c\u00e1 nh\u00e2n<\/span><\/i><\/p>\n

Cu\u1ed1i c\u00f9ng l\u00e0 tr\u00edch 30% thu nh\u1eadp c\u00f2n l\u1ea1i v\u00e0o nh\u1eefng nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n nh\u01b0 vui ch\u01a1i, gi\u1ea3i tr\u00ed. \u0110\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u1ea3m b\u1ea3o cho cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n tho\u1ea3i m\u00e1i m\u00e0 kh\u00f4ng ph\u1ea3i ph\u1ee5 thu\u1ed9c v\u00e0o b\u1ea5t c\u1ee9 ai. S\u1ed1 ti\u1ec1n n\u00e0y r\u1ea5t linh ho\u1ea1t, b\u1ea1n c\u00f3 th\u1ec3 chi n\u00f3 cho s\u1edf th\u00edch c\u1ee7a m\u00ecnh nh\u01b0 du l\u1ecbch, xem phim, c\u00e0 ph\u00ea v\u1edbi b\u1ea1n b\u00e8,…<\/span><\/p>\n

Tuy nhi\u00ean, b\u1ea1n n\u00ean g\u00f3i g\u1ecdn kho\u1ea3n chi ti\u00eau n\u00e0y v\u00e0o m\u1ed9t con s\u1ed1 c\u1ee5 th\u1ec3 \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng th\u00e2m h\u1ee5t v\u00e0o c\u00e1c nh\u00f3m kh\u00e1c.<\/span><\/p>\n

b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o th\u00eam b\u00e0i vi\u1ebft n\u00e0y:C\u00e1i g\u1ecdi l\u00e0 c\u00f4ng th\u1ee9c b\u00ed m\u1eadt \u0111\u1ec3 tr\u1edf n\u00ean gi\u00e0u c\u00f3 -ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 !<\/a>.\u00a0 <\/strong>\u0110\u1ec3\u00a0hi\u1ec3u \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ef1c k\u1ef3 quan tr\u1ecdng!<\/span><\/span><\/p>\n

\u0110\u00f3 l\u00e0 nh\u1eefng b\u00ed quy\u1ebft \u0111\u01a1n gi\u1ea3n m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 v\u1eadn d\u1ee5ng \u0111\u1ec3 <\/span>qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n <\/b>c\u1ee7a m\u00ecnh. <\/span>Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b> kh\u00f4ng ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111\u00fang h\u1ea1n m\u00e0 l\u00e0 x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n c\u1ea7n ph\u1ea3i chi ti\u00eau v\u00e0 chi ti\u00eau cho nh\u1eefng kho\u1ea3n n\u00e0o. <\/span><\/p>\n

Do \u0111\u00f3, c\u00e1c b\u1ea1n h\u00e3y l\u1ef1a ch\u1ecdn cho m\u00ecnh m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh tr\u1ea1ng c\u1ee7a b\u1ea3n th\u00e2n. Nh\u1eefng b\u00ed quy\u1ebft tr\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u \u00e1p d\u1ee5ng v\u00e0 \u0111\u00e3 th\u00e0nh c\u00f4ng. Hy v\u1ecdng c\u00e1c b\u1ea1n s\u1ebd s\u1edbm ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Khi c\u00f3 nhi\u1ec1u ti\u1ec1n trong tay, vi\u1ec7c \u0111\u1ea7u ti\u00ean m\u00e0 b\u1ea1n s\u1ebd l\u00e0m l\u00e0 g\u00ec? Mua s\u1eafm, shopping, ti\u1ebft ki\u1ec7m hay \u0111\u1ea7u t\u01b0 l\u1ea5y l\u00e3i.<\/p>\n","protected":false},"author":155708575,"featured_media":816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[433938641],"tags":[],"_links":{"self":[{"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/posts\/809"}],"collection":[{"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/users\/155708575"}],"replies":[{"embeddable":true,"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/comments?post=809"}],"version-history":[{"count":0,"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/posts\/809\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/media\/816"}],"wp:attachment":[{"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/media?parent=809"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/categories?post=809"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hoclamgiau.vn\/wp-json\/wp\/v2\/tags?post=809"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}