{"id":24425,"date":"2023-12-06T12:13:37","date_gmt":"2023-12-06T12:13:37","guid":{"rendered":"https:\/\/masterskills.org\/blog\/nguyen-tac-50-20-30-50-20-30-budget-rule-la-gi.html"},"modified":"2023-12-22T09:45:03","modified_gmt":"2023-12-22T02:45:03","slug":"nguyen-tac-50-20-30-50-20-30-budget-rule-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/nguyen-tac-50-20-30-50-20-30-budget-rule-la-gi.html","title":{"rendered":"Nguy\u00ean t\u1eafc 50\/20\/30 (50\/20\/30 budget rule) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: The Balance<\/p>\n<\/figcaption><\/figure>\n

Nguy\u00ean t\u1eafc 50\/20\/30 (50\/20\/30 budget rule)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/p>\n

Nguy\u00ean t\u1eafc 50\/20\/30<\/b> trong ti\u1ebfng Anh l\u00e0 50\/20\/30 budget rule<\/b>.<\/p>\n

Nguy\u00ean t\u1eafc 50\/20\/30<\/i> l\u00e0 m\u1ed9t k\u1ebf ho\u1ea1ch tr\u1ef1c quan v\u00e0 \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n

Theo nguy\u00ean t\u1eafc n\u00e0y, thu nh\u1eadp sau thu\u1ebf \u0111\u01b0\u1ee3c n\u00ean \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 v\u00e0o ba nh\u00f3m ch\u00ednh: 50% d\u00e0nh cho nhu c\u1ea7u, 30% d\u00e0nh cho mong mu\u1ed1n v\u00e0 20% c\u00f2n l\u1ea1i d\u00f9ng \u0111\u1ec3 ti\u1ebft ki\u1ec7m.<\/p>\n

50%: Nhu c\u1ea7u (<\/font>Needs)\u00a0<\/font><\/h3>\n

– \u0110\u00e2y l\u00e0 danh m\u1ee5c chi ti\u00eau d\u00e0nh cho nh\u1eefng nhu c\u1ea7u thi\u1ebft y\u1ebfu.<\/p>\n

– Nhu c\u1ea7u l\u00e0 nh\u1eefng h\u00f3a \u0111\u01a1n m\u00e0 b\u1ea1n nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i thanh to\u00e1n v\u00e0 nh\u1eefng th\u1ee9 c\u1ea7n thi\u1ebft cho cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y. Ch\u00fang bao g\u1ed3m c\u00e1c kho\u1ea3n chi ph\u00ed nh\u00e0 \u1edf (ti\u1ec1n thu\u00ea nh\u00e0), chi ph\u00ed \u0111i l\u1ea1i (ti\u1ec1n x\u0103ng xe), h\u00e0ng h\u00f3a, b\u1ea3o hi\u1ec3m, ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe,\u00a0thanh to\u00e1n n\u1ee3 t\u1ed1i thi\u1ec3u\u00a0v\u00e0 c\u00e1c ti\u1ec7n \u00edch.<\/p>\n

– \u0110\u00e2y l\u00e0 nh\u1eefng kho\u1ea3n chi ph\u1ee5c v\u1ee5 tr\u1ef1c ti\u1ebfp \u0111\u1eddi s\u1ed1ng h\u00e0ng ng\u00e0y, l\u00e0 c\u00e1c kho\u1ea3n chi th\u01b0\u1eddng xuy\u00ean v\u00e0 kh\u00f4ng bi\u1ebfn \u0111\u1ed9ng nhi\u1ec1u gi\u1eefa c\u00e1c th\u00e1ng. Danh m\u1ee5c “nhu c\u1ea7u” kh\u00f4ng bao g\u1ed3m c\u00e1c m\u1eb7t h\u00e0ng b\u1ed5 sung, ch\u1eb3ng h\u1ea1n nh\u01b0 HBO, Netflix, Starbucks v\u00e0 \u0103n t\u1ed1i \u1edf ngo\u00e0i.<\/p>\n

– M\u1ed9t n\u1eeda thu nh\u1eadp sau thu\u1ebf c\u1ee7a b\u1ea1n ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 trang tr\u1ea3i cho nhu c\u1ea7u v\u00e0 ngh\u0129a v\u1ee5. N\u1ebfu b\u1ea1n \u0111ang chi ti\u00eau nhi\u1ec1u h\u01a1n nhu c\u1ea7u c\u1ee7a m\u00ecnh, b\u1ea1n s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c c\u1eaft gi\u1ea3m ho\u1eb7c c\u1ed1 g\u1eafng thu h\u1eb9p l\u1ed1i s\u1ed1ng c\u1ee7a m\u00ecnh.<\/p>\n

\u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 vi\u1ec7c thu\u00ea m\u1ed9t ng\u00f4i nh\u00e0 nh\u1ecf h\u01a1n ho\u1eb7c \u0111i m\u1ed9t chi\u1ebfc xe \u00edt ti\u1ec1n h\u01a1n h\u01a1n. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 \u0111i chung xe ho\u1eb7c s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u00f4ng c\u1ed9ng, hay th\u01b0\u1eddng xuy\u00ean v\u1ec1 nh\u00e0 n\u1ea5u \u0103n h\u01a1n…<\/p>\n

30%: Mong mu\u1ed1n (Wants)<\/font><\/h3>\n

– Mong mu\u1ed1n n\u1eb1m trong danh m\u1ee5c h\u00e0ng h\u00f3a kh\u00f4ng thi\u1ebft y\u1ebfu c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m b\u1eefa t\u1ed1i, v\u00e9 xem phim, t\u00fai x\u00e1ch m\u1edbi, v\u00e9 tham d\u1ef1 c\u00e1c s\u1ef1 ki\u1ec7n th\u1ec3 thao, k\u00ec ngh\u1ec9, thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed m\u1edbi nh\u1ea5t v\u00e0 Internet t\u1ed1c \u0111\u1ed9 cao.<\/p>\n

– \u0110\u00e2y l\u00e0 c\u00e1c kho\u1ea3n chi th\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng gi\u1eefa c\u00e1c th\u00e1ng v\u00e0 t\u00f9y thu\u1ed9c v\u00e0o s\u1edf th\u00edch v\u00e0 l\u1ed1i s\u1ed1ng c\u1ee7a m\u1ed7i ng\u01b0\u1eddi.<\/p>\n

– \u0110\u1ec3 gi\u1ea3m chi ti\u00eau cho c\u00e1c kho\u1ea3n thu\u1ed9c danh m\u1ee5c “mong mu\u1ed1n”, b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp th\u1ec3 d\u1ee5c t\u1ea1i nh\u00e0 thay v\u00ec \u0111\u1ebfn ph\u00f2ng t\u1eadp th\u1ec3 d\u1ee5c;\u00a0n\u1ea5u \u0103n thay v\u00ec \u0103n ngo\u00e0i;\u00a0xem th\u1ec3 thao tr\u00ean TV thay v\u00ec mua v\u00e9 xem tr\u1ef1c ti\u1ebfp.<\/p>\n

– Danh m\u1ee5c n\u00e0y c\u0169ng bao g\u1ed3m c\u00e1c quy\u1ebft \u0111\u1ecbnh n\u00e2ng c\u1ea5p m\u00e0 b\u1ea1n \u0111\u01b0a ra, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1ecdn m\u1ed9t mi\u1ebfng b\u00edt t\u1ebft \u0111\u1eaft ti\u1ec1n thay v\u00ec m\u1ed9t chi\u1ebfc b\u00e1nh hamburger r\u1ebb ti\u1ec1n h\u01a1n, mua m\u1ed9t chi\u1ebfc Mercedes thay v\u00ec m\u1ed9t chi\u1ebfc Honda ti\u1ebft ki\u1ec7m h\u01a1n ho\u1eb7c l\u1ef1a ch\u1ecdn gi\u1eefa vi\u1ec7c xem truy\u1ec1n h\u00ecnh b\u1eb1ng \u0103ng-ten mi\u1ec5n ph\u00ed v\u00e0 chi ti\u1ec1n \u0111\u1ec3 xem truy\u1ec1n h\u00ecnh c\u00e1p.<\/p>\n

– V\u1ec1 c\u01a1 b\u1ea3n, mong mu\u1ed1n l\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng kho\u1ea3n chi b\u1ed5 sung \u0111\u1ec3 l\u00e0m cho cu\u1ed9c s\u1ed1ng th\u00fa v\u1ecb v\u00e0 gi\u1ea3i tr\u00ed h\u01a1n.<\/p>\n

20%: Ti\u1ebft ki\u1ec7m (Savings)<\/font><\/h3>\n

– Cu\u1ed1i c\u00f9ng, h\u00e3y c\u1ed1 g\u1eafng ph\u00e2n b\u1ed5 20% thu nh\u1eadp r\u00f2ng c\u1ee7a b\u1ea1n cho c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

– B\u1ea1n n\u00ean c\u00f3 \u00edt nh\u1ea5t 3 th\u00e1ng ti\u1ec1n ti\u1ebft ki\u1ec7m kh\u1ea9n c\u1ea5p trong tay trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t vi\u1ec7c ho\u1eb7c trong nh\u1eefng t\u00ecnh hu\u1ed1ng kh\u00f4ng th\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc, sau \u0111\u00f3 t\u1eadp trung v\u00e0o vi\u1ec7c ngh\u1ec9 h\u01b0u v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n

– Ti\u1ebft ki\u1ec7m c\u0169ng c\u00f3 th\u1ec3 bao g\u1ed3m\u00a0tr\u1ea3 n\u1ee3.\u00a0M\u1eb7c d\u00f9\u00a0c\u00e1c kho\u1ea3n thanh to\u00e1n t\u1ed1i thi\u1ec3u\u00a0l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a danh m\u1ee5c “nhu c\u1ea7u”, b\u1ea5t k\u00ec kho\u1ea3n thanh to\u00e1n b\u1ed5 sung n\u00e0o c\u0169ng c\u00f3 t\u00e1c d\u1ee5ng l\u00e0m gi\u1ea3m ti\u1ec1n g\u1ed1c v\u00e0 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 trong t\u01b0\u01a1ng lai, v\u00ec v\u1eady ch\u00fang c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/p>\n

– Danh m\u1ee5c n\u00e0y ch\u1ec9 n\u00ean \u0111\u01b0\u1ee3c b\u1ed5 sung khi danh m\u1ee5c “nhu c\u1ea7u” (chi ph\u00ed thi\u1ebft y\u1ebfu) \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e9t \u0111\u1ebfn v\u00e0 tr\u01b0\u1edbc khi b\u1ea1n k\u1ecbp ngh\u0129 \u0111\u1ebfn b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec thu\u1ed9c danh m\u1ee5c “mong mu\u1ed1n”.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Investopedia)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Nguy\u00ean t\u1eafc 50\/20\/30 (ti\u1ebfng Anh: 50\/20\/30 budget rule) l\u00e0 m\u1ed9t k\u1ebf ho\u1ea1ch tr\u1ef1c quan v\u00e0 \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24425"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=24425"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/24425\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=24425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=24425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=24425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}