{"id":39534,"date":"2023-12-10T01:32:55","date_gmt":"2023-12-10T01:32:55","guid":{"rendered":"https:\/\/masterskills.org\/blog\/nem-tien-qua-cua-so-vi-khong-biet-quan-ly-chi-tieu-vao-3-van-de-sau.html"},"modified":"2023-12-13T09:59:26","modified_gmt":"2023-12-13T09:59:26","slug":"nem-tien-qua-cua-so-vi-khong-biet-quan-ly-chi-tieu-vao-3-van-de-sau","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/nem-tien-qua-cua-so-vi-khong-biet-quan-ly-chi-tieu-vao-3-van-de-sau.html","title":{"rendered":"N\u00e9m ti\u1ec1n qua c\u1eeda s\u1ed5 v\u00ec kh\u00f4ng bi\u1ebft qu\u1ea3n l\u00fd chi ti\u00eau v\u00e0o 3 v\u1ea5n \u0111\u1ec1 sau"},"content":{"rendered":"
\n

Con ng\u01b0\u1eddi ch\u00fang ta ai c\u0169ng mong mu\u1ed1n c\u00f3 m\u1ed9t cu\u1ed9c s\u1ed1ng sung t\u00fac v\u00e0 c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m nho nh\u1ecf khi v\u1ec1 gi\u00e0 \u0111\u1ec3 s\u1eed d\u1ee5ng. Th\u1ebf nh\u01b0ng, \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00f3 th\u00ec ngay khi c\u00f2n tr\u1ebb b\u1ea1n ph\u1ea3i l\u00e0m vi\u1ec7c v\u00e0 chi ti\u00eau ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u n\u00e0y d\u01b0\u1eddng nh\u01b0 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c kh\u00f4ng h\u1ec1 nh\u1ecf v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi. Tuy kh\u00f3 kh\u0103n l\u00e0 v\u1eady, nh\u01b0ng kh\u00f4ng h\u1eb3n b\u1ea1n kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c n\u00f3 n\u1ebfu bi\u1ebft h\u1ecdc h\u1ecfi t\u1eeb nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng v\u00e0 c\u1ed1 g\u1eafng h\u1ebft s\u1ee9c th\u00ec ch\u1eafc ch\u1eafn b\u1ea1n s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.<\/p>\n

Grant Sabatier, tri\u1ec7u ph\u00fa t\u1ef1 th\u00e2n l\u1eadp nghi\u1ec7p 30 tu\u1ed5i \u0111\u00e3 t\u1eebng chia s\u1ebb, con ng\u01b0\u1eddi ch\u00fang ta th\u01b0\u1eddng ti\u00eau t\u1ed1n qu\u00e1 nhi\u1ec1u ti\u1ec1n v\u00e0o 3 v\u1ea5n \u0111\u1ec1 ch\u00ednh \u0111\u00f3 l\u00e0 nh\u00e0 \u1edf, xe c\u1ed9 v\u00e0 th\u1ef1c ph\u1ea9m. \u0110\u00e2y l\u00e0 3 v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m v\u00e0 h\u1ecd cho r\u1eb1ng ch\u00fang ta c\u1ea7n chi ti\u00eau m\u1ea1nh v\u00e0o nh\u1eefng th\u1ee9 n\u00e0y v\u00ec ph\u1ea3i s\u1eed d\u1ee5ng c\u1ea3 \u0111\u1eddi. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ho\u00e0n to\u00e0n sai, th\u1ebf nh\u01b0ng b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 chi ti\u00eau \u00edt h\u01a1n cho nh\u1eefng chi ph\u00ed \u0111\u00f3, \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t.<\/p>\n

1. Nh\u00e0 \u1edf<\/h2>\n

\"L\u1ef1a<\/p>\n

\u00d4ng b\u00e0 ta c\u00f3 c\u00e2u \u201cAn c\u01b0 l\u1ea1c nghi\u1ec7p<\/em>\u201d \u0111i\u1ec1u n\u00e0y cho th\u1ea5y, nh\u00e0 c\u1eeda l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 v\u00f4 c\u00f9ng quan tr\u1ecdng \u0111\u1ed1i v\u1edbi b\u1ea5t c\u1ee9 ai trong cu\u1ed9c s\u1ed1ng n\u00e0y. L\u1ebd d\u0129 nhi\u00ean, ch\u1eb3ng ai th\u00edch s\u1ed1ng c\u1ea3 \u0111\u1eddi trong m\u1ed9t c\u0103n nh\u00e0 \u0111i thu\u00ea, ai c\u0169ng mong mu\u1ed1n c\u00f3 \u0111\u01b0\u1ee3c cho m\u00ecnh m\u1ed9t c\u0103n h\u1ed9 ri\u00eang, m\u1ed9t ng\u00f4i nh\u00e0 khang trang, \u0111\u1eb9p \u0111\u1ebd. V\u00ec th\u1ebf vi\u1ec7c s\u1eed d\u1ee5ng m\u1ed9t kho\u1ea3n ti\u1ec1n th\u00edch h\u1ee3p \u0111\u1ec3 mua nh\u00e0 v\u1eabn lu\u00f4n l\u00e0 m\u1ed9t \u0111i\u1ec1u \u0111au \u0111\u1ea7u c\u1ee7a kh\u00f4ng \u00edt ng\u01b0\u1eddi.<\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi v\u00ec ao \u01b0\u1edbc c\u00f3 \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 l\u1edbn \u0111\u1ec3 cho b\u1eb1ng b\u1ea1n b\u00e8, m\u00e0 h\u1ecd \u0111\u00e3 chi m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn \u0111\u1ec3 mua nh\u00e0 m\u00e0 kh\u00f4ng c\u1ea7n suy ngh\u0129 \u0111\u1ebfn kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh hi\u1ec7n t\u1ea1i, \u0111i\u1ec1u n\u00e0y qu\u1ea3 th\u1ef1c sai l\u1ea7m, b\u1ea1n n\u00ean xem x\u00e9t l\u1ea1i tr\u01b0\u1edbc quy\u1ebft \u0111\u1ecbnh n\u00e0y. Mu\u1ed1n ti\u1ebft ki\u1ec7m, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch t\u00ecm ki\u1ebfm m\u1ed9t n\u01a1i \u1edf m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng t\u1ed1i thi\u1ebfu 30% chi ph\u00ed, ho\u1eb7c \u00edt h\u01a1n m\u1ee9c thu\u1ebf thu nh\u1eadp c\u1ee7a b\u1ea1n.<\/p>\n

V\u00ec h\u1ea7u nh\u01b0 kh\u00f4ng ph\u1ea3i ai c\u0169ng c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng h\u1ebft kh\u1ea3 n\u0103ng chi tr\u1ea3 ti\u1ec1n nh\u00e0 trong m\u1ed9t th\u1eddi gian ng\u1eafn. N\u1ebfu b\u1ea1n th\u1ef1c s\u1ef1 mu\u1ed1n ti\u1ebft ki\u1ec7m \u0111\u1ec3 sau n\u00e0y v\u1ec1 gi\u00e0 c\u00f3 th\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n nho nh\u1ecf, th\u00ec b\u1ea1n n\u00ean gi\u1edbi h\u1ea1n l\u1ea1i kho\u1ea3n chi ph\u00ed d\u00e0nh cho nh\u00e0 c\u1eeda, khi b\u1ea1n qu\u1ea3n l\u00fd t\u1ed1t trong vi\u1ec7c chi ti\u00eau n\u00e0y, \u0111\u1ed3ng ngh\u0129a b\u1ea1n s\u1ebd \u00edt ph\u1ea3i lo l\u1eafng vay m\u01b0\u1ee3n \u0111\u1ec3 chi tr\u1ea3.<\/p>\n

N\u00ean nh\u1edb r\u1eb1ng, gi\u00e0u c\u00f3 nh\u01b0 Warren Buffett \u2013 v\u1ecb t\u1ef7 ph\u00fa n\u1eafm trong tay kh\u1ed1i t\u00e0i s\u1ea3n l\u1edbn th\u1ee9 2 tr\u00ean th\u1ebf gi\u1edbi v\u1eabn s\u1ed1ng trong c\u0103n h\u1ed9 c\u0169 t\u1ea1i Omaha su\u1ed1t h\u00e0ng ch\u1ee5c n\u0103m. Th\u1eadm ch\u00ed, c\u0103n nh\u00e0 \u0111\u00f3 c\u0169ng ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb ch\u01b0a \u0111\u1ebfn 0,001% s\u1ed1 t\u00e0i s\u1ea3n c\u1ee7a \u00f4ng.<\/p>\n

2. Ph\u01b0\u01a1ng ti\u1ec7n<\/h2>\n

\"L\u1ef1a<\/p>\n

Sau nh\u00e0 \u1edf th\u00ec ph\u01b0\u01a1ng ti\u1ec7n c\u0169ng l\u00e0 m\u1ed9t \u0111i\u1ec1u quan tr\u1ecdng v\u00e0 l\u00e0 kho\u1ea3n chi ti\u00eau l\u1edbn th\u1ee9 2 c\u1ee7a m\u1ecdi gia \u0111\u00ecnh. C\u00f3 l\u1ebd kh\u00f4ng c\u00f3 g\u00ec ph\u1ea3i ng\u1ea1c nhi\u00ean khi m\u1ed7i n\u0103m s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi vay ti\u1ec1n \u0111\u1ec3 tr\u1ea3 cho chi ph\u00ed xe c\u1ed9 kh\u00f4ng ng\u1eebng gia t\u0103ng. Th\u1eadm ch\u00ed, s\u1ed1 ti\u1ec1n mua s\u1eafm v\u00e0 b\u1ea3o d\u01b0\u1ee1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i c\u1ee7a m\u1ed9t s\u1ed1 gia \u0111\u00ecnh c\u00f2n cao h\u01a1n chi ph\u00ed gi\u00e1o d\u1ee5c.<\/p>\n

S\u1edf h\u1eefu m\u1ed9t chi\u1ebfc xe t\u1ed1t l\u00e0 m\u1ed9t \u0111i\u1ec1u tuy\u1ec7t v\u1eddi. Th\u1ebf nh\u01b0ng b\u1ea1n h\u00e3y c\u00e2n nh\u1eafc t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n tr\u01b0\u1edbc khi ch\u1ecdn mua, v\u00ec khi b\u1ea1n mua m\u1ed9t chi\u1ebfc xe gi\u00e1 tr\u1ecb l\u1edbn, t\u00e0i ch\u00ednh b\u1ea1n kh\u00f4ng \u0111\u1ee7, b\u1eaft bu\u1ed9c b\u1ea1n ph\u1ea3i tr\u1ea3 g\u00f3p cho chi\u1ebfc xe \u0111\u00f3, v\u00e0 kho\u1ea3n ti\u1ec1n b\u1ea1n ph\u1ea3i chi tr\u1ea3 c\u00f3 th\u1ec3 k\u00e9o d\u00e0i l\u00ean \u0111\u1ebfn 5 – 6 n\u0103m, \u0111i\u1ec1u n\u00e0y qu\u1ea3 th\u1ef1c l\u00e0 l\u00e3ng ph\u00ed. V\u1eady n\u00ean, khi quy\u1ebft \u0111\u1ecbnh mua xe, h\u00e3y ch\u1eafc ch\u1eafn r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n ngay l\u1eadp t\u1ee9c ho\u1eb7c ch\u1ec9 k\u00e9o d\u00e0i c\u00e1c kho\u1ea3n vay trong kho\u1ea3ng th\u1eddi gian t\u1ed1i \u0111a l\u00e0 3 n\u0103m. Th\u00ec may ra b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m.<\/p>\n

\u00a0<\/div>\n

3. Th\u1ef1c ph\u1ea9m<\/h2>\n

\"L\u1ef1a<\/p>\n

Th\u1ef1c ph\u1ea9m l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft trong cu\u1ed9c s\u1ed1ng n\u00e0y. Theo kh\u1ea3o s\u00e1t c\u1ee7a t\u1ea1p ch\u00ed Business Insider, \u0103n u\u1ed1ng chi\u1ebfm 43% chi ti\u00eau h\u00e0ng n\u0103m c\u1ee7a m\u1ed7i gia \u0111\u00ecnh, m\u1ed9t v\u1ea5n \u0111\u1ec1 r\u00f5 r\u00e0ng c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m h\u01a1n. Ti\u1ebft ki\u1ec7m chi ph\u00ed d\u00e0nh cho th\u1ef1c ph\u1ea9m kh\u00f4ng c\u00f3 ngh\u0129a b\u1ea1n ph\u1ea3i c\u1eaft b\u1edbt kh\u1ea9u ph\u1ea7n \u0103n hay \u0103n u\u1ed1ng kh\u1ed5 c\u1ef1c…<\/p>\n

Thay v\u00e0o \u0111\u00f3, b\u1ea1n h\u00e3y ti\u1ebft ki\u1ec7m nh\u1eefng kho\u1ea3n kh\u00f4ng c\u1ea7n thi\u1ebft nh\u01b0 c\u00e1c chi ph\u00ed d\u00e0nh cho nh\u1eefng th\u1ee9 \u0111\u1ed3 \u0103n nhanh hay mua m\u1ed9t l\u01b0\u1ee3ng th\u1ee9c \u0103n l\u1edbn m\u00e0 kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng h\u1ebft. Tr\u01b0\u1edbc khi \u0111i ch\u1ee3 b\u1ea1n n\u00ean t\u00ednh to\u00e1n tr\u01b0\u1edbc s\u1ed1 ng\u01b0\u1eddi \u0103n v\u00e0 l\u01b0\u1ee3ng th\u1ef1c ph\u1ea9m c\u00f3 trong b\u1eefa \u0103n \u0111\u00f3 \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng th\u1eeba \u0111\u1ed3 \u0103n, g\u00e2y l\u00e3ng ph\u00ed.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Con ng\u01b0\u1eddi ch\u00fang ta ai c\u0169ng mong mu\u1ed1n c\u00f3 m\u1ed9t cu\u1ed9c s\u1ed1ng sung t\u00fac v\u00e0 c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m nho nh\u1ecf khi v\u1ec1 gi\u00e0 \u0111\u1ec3 s\u1eed d\u1ee5ng. Th\u1ebf nh\u01b0ng, \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u00f3 th\u00ec ngay khi c\u00f2n tr\u1ebb b\u1ea1n ph\u1ea3i l\u00e0m vi\u1ec7c v\u00e0 chi ti\u00eau ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u n\u00e0y d\u01b0\u1eddng nh\u01b0 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c kh\u00f4ng h\u1ec1 nh\u1ecf v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi. Tuy kh\u00f3 kh\u0103n l\u00e0 v\u1eady, nh\u01b0ng kh\u00f4ng h\u1eb3n b\u1ea1n kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c n\u00f3 n\u1ebfu bi\u1ebft h\u1ecdc h\u1ecfi t\u1eeb nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng v\u00e0 c\u1ed1 g\u1eafng h\u1ebft s\u1ee9c th\u00ec ch\u1eafc ch\u1eafn b\u1ea1n s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[452],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/39534"}],"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=39534"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/39534\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=39534"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=39534"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=39534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}