{"id":39765,"date":"2023-12-10T01:41:46","date_gmt":"2023-12-10T01:41:46","guid":{"rendered":"https:\/\/masterskills.org\/blog\/phuong-phap-quan-ly-tai-chinh-6-chiec-lo-jars.html"},"modified":"2023-12-13T09:10:06","modified_gmt":"2023-12-13T09:10:06","slug":"phuong-phap-quan-ly-tai-chinh-6-chiec-lo-jars","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/phuong-phap-quan-ly-tai-chinh-6-chiec-lo-jars.html","title":{"rendered":"Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh “6 chi\u1ebfc l\u1ecd” JARS"},"content":{"rendered":"
\n

B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i b\u1edfi Steve Martile<\/strong>, m\u1ed9t hu\u1ea5n luy\u1ec7n vi\u00ean cu\u1ed9c s\u1ed1ng v\u00e0 c\u0169ng l\u00e0 t\u00e1c gi\u1ea3 c\u1ee7a blog c\u1ea3i thi\u1ec7n c\u00e1 nh\u00e2n FreedomEducation.ca. D\u01b0\u1edbi \u0111\u00e2y Steve Martile \u0111\u00e3 m\u00f4 t\u1ea3 chi ti\u1ebft ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1eb1ng 6 chi\u1ebfc h\u0169, ph\u01b0\u01a1ng ph\u00e1p n\u00e0y l\u00e0m t\u00f4i nh\u1edb \u0111\u1ebfn ph\u01b0\u01a1ng th\u1ee9c c\u00e2n b\u1eb1ng t\u00e0i ch\u00ednh c\u1ee7a Elizabeth Warren.<\/strong><\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh JARS ch\u1ec9 b\u1eb1ng 6 c\u00e1i l\u1ecd<\/strong> l\u00e0 m\u1ed9t c\u00f4ng th\u1ee9c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n n\u1ed5i ti\u1ebfng kh\u1eafp th\u1ebf gi\u1edbi t\u1eeb h\u00e0ng tr\u0103m n\u0103m nay \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng \u00e1p d\u1ee5ng. \u0110\u1eb7c bi\u1ec7t, h\u1ecd c\u00f2n truy\u1ec1n l\u1ea1i ph\u01b0\u01a1ng ph\u00e1p h\u1eefu \u00edch n\u00e0y \u0111\u1ec3 gi\u00e1o d\u1ee5c t\u01b0 duy n\u1ed7 l\u1ef1c v\u01b0\u01a1n t\u1edbi th\u00e0nh c\u00f4ng cho th\u1ebf h\u1ec7 sau.<\/p>\n

Qu\u1ea3n l\u00fd ti\u1ec1n kh\u00f4ng l\u00e0m m\u1ea5t t\u1ef1 do \u2013 n\u00f3 t\u1ea1o ra t\u1ef1 do.<\/p>\n

\"Ph\u01b0\u01a1ng<\/p>\n

Ch\u1eafc h\u1eb3n \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean b\u1ea1n nghe nh\u1eafc \u0111\u1ebfn ph\u01b0\u01a1ng ph\u00e1p n\u00e0y ph\u1ea3i kh\u00f4ng? N\u1ebfu mu\u1ed1n t\u1ef1 ch\u1ee7 v\u1ec1 t\u00e0i ch\u00ednh, b\u1ea1n ph\u1ea3i b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u1ee7a ch\u00ednh m\u00ecnh. V\u00e0 t\u00f4i \u0111\u00e3 b\u1eaft \u0111\u1ea7u l\u00e0m \u0111i\u1ec1u n\u00e0y v\u00e0o n\u0103m 2006 sau khi \u0111\u1ecdc cu\u1ed1n s\u00e1ch “Secrets of the Millionaire Mind<\/em>” (t\u1ea1m d\u1ecbch: “B\u00ed m\u1eadt t\u01b0 duy tri\u1ec7u ph\u00fa”<\/em>) c\u1ee7a T. Harv Eker.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, t\u00f4i v\u00e0 v\u1ee3 t\u00f4i th\u01b0\u1eddng ch\u1ec9 qu\u1ea3n l\u00fd chi ti\u00eau theo th\u00f3i quen th\u01b0\u1eddng ng\u00e0y. Ch\u00fang t\u00f4i th\u01b0\u1eddng chi ti\u00eau kh\u00e1 nhi\u1ec1u kho\u1ea3n v\u00e0o h\u00e0ng th\u00e1ng v\u00e0 kh\u00f4ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c bao nhi\u00eau. V\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3, t\u00f4i \u0111ang \u0111i\u1ec1u h\u00e0nh nh\u00e3n hi\u1ec7u Nissan 350Z <\/strong>m\u1edbi, v\u00e0 ki\u1ebfm \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n ti\u1ec1n 800 \u0111\u00f4 la m\u1ed7i th\u00e1ng, kh\u00f4ng bao g\u1ed3m ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ti\u1ec1n nhi\u00ean li\u1ec7u chi cho ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i.<\/p>\n

JARS: Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh b\u1eb1ng 6 c\u00e1i l\u1ecd<\/strong><\/h2>\n

Sau \u0111\u00f3 v\u1ee3 ch\u1ed3ng t\u00f4i b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd ti\u1ec1n theo nguy\u00ean t\u1eafc 6 c\u00e1i l\u1ecd \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn trong cu\u1ed1n s\u00e1ch “Secrets of the Millionaire Mind<\/em>“. Nh\u1eefng c\u00e1i l\u1ecd \u1ea5y l\u00e0 g\u00ec? H\u0169 thu\u1ef7 tinh ho\u1eb7c h\u0169 nh\u1ef1a. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t b\u1ee9c \u1ea3nh nh\u1eefng c\u00e1i l\u1ecd t\u1eeb v\u0103n ph\u00f2ng c\u1ee7a t\u00f4i:<\/p>\n

\"Ph\u01b0\u01a1ng<\/p>\n

B\u1ea3n th\u00e2n nh\u1eefng c\u00e1i l\u1ecd kh\u00f4ng th\u1ef1c s\u1ef1 quan tr\u1ecdng. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n. Th\u1ef1c t\u1ebf, ch\u00fang t\u00f4i mua nh\u1eefng c\u00e1i l\u1ecd nh\u01b0 m\u1ed9t l\u1eddi nh\u1eafc nh\u1edf tr\u1ef1c ti\u1ebfp \u0111\u1ebfn nh\u1eefng kho\u1ea3n chi ti\u00eau khi qu\u1ea3n l\u00fd ch\u00fang. Tuy nhi\u00ean, s\u00e1u c\u00e1i l\u1ecd (c\u00f3 th\u1ec3 l\u00e0 k\u00e9t s\u1eaft hay t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng<\/em>) – ta g\u1ecdi l\u00e0 6 c\u00e1i qu\u1ef9 t\u00e0i ch\u00ednh. M\u1ed7i c\u00e1i l\u1ecd \u0111\u1ec1u c\u00f3 t\u00ean v\u00e0 ch\u1ee9c n\u0103ng nh\u1ea5t \u0111\u1ecbnh.<\/p>\n

Qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c \u0111\u1ec3 g\u1eb7t h\u00e1i \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng<\/h2>\n

Ngay khi b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, t\u00f4i \u0111\u00e3 mua \u0111\u01b0\u1ee3c 350Z. Sau n\u0103m \u0111\u1ea7u ti\u00ean, kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 s\u1ef1 thay \u0111\u1ed5i l\u1edbn n\u00e0o v\u1ec1 thu nh\u1eadp v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1eb1ng nhau, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ee7a ch\u00fang t\u00f4i t\u0103ng \u0111\u00e1ng k\u1ec3 kho\u1ea3ng 45%. Khi h\u1ecdc c\u00e1ch l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u00e1p d\u1ee5ng h\u1ec7 th\u1ed1ng n\u00e0y, ch\u00fang t\u00f4i nh\u1eadn ra r\u1eb1ng n\u00f3 kh\u00e1 \u0111\u01a1n gi\u1ea3n v\u00e0 kh\u00f4ng l\u00e0m t\u1ed1n qu\u00e1 nhi\u1ec1u th\u1eddi gian c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n

\u00a0<\/div>\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 k\u1ebft qu\u1ea3 ch\u00fang t\u00f4i thu \u0111\u01b0\u1ee3c sau khi \u00e1p d\u1ee5ng JARS trong v\u00f2ng 12 th\u00e1ng:<\/p>\n

B\u00ed quy\u1ebft th\u1ef1c s\u1ef1 \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng g\u00ec b\u1ea1n l\u00e0m m\u00e0 \u0111\u00f3 l\u00e0 c\u00e1ch b\u1ea1n l\u00e0m \u0111i\u1ec1u \u0111\u00f3<\/strong>.<\/p>\n

T\u00ean v\u00e0 c\u00e1ch d\u00f9ng t\u1eebng l\u1ecd nh\u01b0 sau<\/h2>\n

Ta coi 6 c\u00e1i l\u1ecd t\u01b0\u1ee3ng tr\u01b0ng cho 6 qu\u1ef9 t\u00e0i ch\u00ednh c\u00f3 t\u00ean v\u00e0 ch\u1ee9c n\u0103ng nh\u1ea5t \u0111\u1ecbnh. M\u1ed7i khi c\u00f3 ti\u1ec1n (l\u01b0\u01a1ng, th\u01b0\u1edfng, l\u1ee3i nhu\u1eadn b\u00e1n h\u00e0ng ho\u1eb7c b\u1ea5t k\u1ec3 ngu\u1ed3n thu nh\u1eadp n\u00e0o<\/em>) h\u00e3y chia kho\u1ea3n ti\u1ec1n n\u00e0y v\u00e0o ngay 6 c\u00e1i l\u1ecd. Vi\u1ec7c n\u00e0y c\u1ea7n l\u00e0m ngay \u0111\u1ec3 t\u1ea1o th\u00e0nh th\u00f3i quen.<\/p>\n

\"Ph\u01b0\u01a1ng<\/p>\n

Nhu c\u1ea7u thi\u1ebft y\u1ebfu (Necessity account – NEC \u2013 55%)<\/h3>\n

Qu\u1ef9 nhu c\u1ea7u thi\u1ebft y\u1ebfu NEC gi\u00fap \u0111\u1ea3m b\u1ea3o nhu c\u1ea7u thi\u1ebft y\u1ebfu h\u1eb1ng ng\u00e0y c\u1ee7a cu\u1ed9c s\u1ed1ng. B\u1ea1n d\u00f9ng qu\u1ef9 NEC \u0111\u1ec3 chi tr\u1ea3 c\u00e1c kho\u1ea3n \u0103n u\u1ed1ng, sinh ho\u1ea1t, vui ch\u01a1i gi\u1ea3i tr\u00ed, ho\u00e1 \u0111\u01a1n mua s\u1eafm v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c. \u0110\u01a1n gi\u1ea3n, n\u00f3 bao g\u1ed3m b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec b\u1ea1n c\u1ea7n \u0111\u1ec3 s\u1ed1ng, nh\u1eefng th\u1ee9 c\u1ea7n thi\u1ebft trong cu\u1ed9c s\u1ed1ng.<\/p>\n

L\u01b0u \u00fd: N\u1ebfu hi\u1ec7n t\u1ea1i qu\u1ef9 NEC c\u1ee7a b\u1ea1n \u1edf m\u1ee9c tr\u00ean 80% thu nh\u1eadp, b\u1ea1n c\u1ea7n t\u0103ng c\u01b0\u1eddng th\u00eam ngu\u1ed3n thu nh\u1eadp hay c\u1eaft gi\u1ea3m chi ph\u00ed \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n

Qu\u1ef9 t\u1ef1 do t\u00e0i ch\u00ednh (Financial freedom account – FFA \u2013 10%)<\/h3>\n

Qu\u1ef9 t\u1ef1 do t\u00e0i ch\u00ednh l\u00e0 khi s\u1ed1ng m\u1ed9t cu\u1ed9c s\u1ed1ng nh\u01b0 b\u1ea1n mong mu\u1ed1n m\u00e0 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0m vi\u1ec7c hay ph\u1ee5 thu\u1ed9c t\u00e0i ch\u00ednh v\u00e0o ng\u01b0\u1eddi kh\u00e1c. V\u00ec v\u1eady, b\u1ea1n c\u1ea7n l\u1eadp qu\u1ef9 FFA \u0111\u1ec3 c\u00f3 ti\u1ec1n l\u00e0m vi\u1ec7c thay cho b\u1ea1n. B\u1eb1ng c\u00e1ch n\u00e0y, b\u1ea1n \u0111\u00e3 t\u1ea1o ra “con ng\u1ed7ng<\/em>” \u0111\u1ebb tr\u1ee9ng v\u00e0ng \u0111\u1ec3 s\u1eed d\u1ee5ng khi kh\u00f4ng c\u00f2n l\u00e0m vi\u1ec7c. H\u00e3y nh\u1edb r\u1eb1ng: b\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c d\u00f9ng qu\u1ef9 n\u00e0y \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 t\u1ea1o ra thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng. C\u00e0ng nhi\u1ec1u ti\u1ec1n l\u00e0m vi\u1ec7c cho b\u1ea1n, b\u1ea1n s\u1ebd c\u00e0ng \u00edt ph\u1ea3i l\u00e0m vi\u1ec7c h\u01a1n.<\/p>\n

\u00a0<\/div>\n

L\u01b0u \u00fd: Kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c \u0103n th\u1ecbt con ng\u1ed7ng!<\/p>\n

Gi\u00e1o d\u1ee5c \u0111\u00e0o t\u1ea1o (Education account – EDUC -10%)<\/h3>\n

B\u1ea1n c\u1ea7n qu\u1ef9 gi\u00e1o d\u1ee5c \u0111\u00e0o t\u1ea1o EDUC \u0111\u1ec3 r\u00e8n luy\u1ec7n ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n m\u1ed7i ng\u00e0y. Ngu\u1ed3n \u0111\u1ea7u t\u01b0 t\u1ed1t nh\u1ea5t l\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o vi\u1ec7c h\u1ecdc, “t\u1ea7m v\u00f3c<\/em>” ki\u1ebfn th\u1ee9c c\u00e0ng l\u1edbn, c\u00e0ng h\u1ea5p d\u1eabn \u0111\u01b0\u1ee3c nh\u1eefng th\u1ee9 l\u1edbn, cho d\u00f9 \u0111\u00f3 l\u00e0 ti\u1ec1n t\u00e0i, danh v\u1ecdng hay h\u1ea1nh ph\u00fac. H\u00e3y d\u00f9ng qu\u1ef9 EDUC \u0111\u1ec3 ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n b\u1eb1ng vi\u1ec7c mua s\u00e1ch \u2013 \u0111\u1ecdc s\u00e1ch m\u1ed7i ng\u00e0y, tham gia c\u00e1c kh\u00f3a h\u1ecdc, \u0111\u00e0o t\u1ea1o, di\u1ec5n thuy\u1ebft hay g\u1eb7p g\u1ee1, giao l\u01b0u \u0111\u1ec3 h\u1ecdc h\u1ecfi t\u1eeb nh\u1eefng nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng.<\/p>\n

Ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n (Long-term saving for spending account – LTSS \u2013 10%)<\/h3>\n

B\u1ea1n c\u1ea7n qu\u1ef9 ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n LTS b\u1edfi quan tr\u1ecdng kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau m\u00e0 b\u1ea1n gi\u1eef \u0111\u01b0\u1ee3c bao nhi\u00eau. H\u00e3y s\u1eed d\u1ee5ng qu\u1ef9 cho nh\u1eefng m\u1ee5c ti\u00eau l\u00e2u d\u00e0i v\u00e0 th\u1ef1c hi\u1ec7n nh\u1eefng \u01b0\u1edbc m\u01a1 c\u1ee7a b\u1ea1n. Nh\u1edb r\u1eb1ng kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng qu\u1ef9 n\u00e0y khi ch\u01b0a t\u1ef1 do v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n

H\u01b0\u1edfng th\u1ee5 (Play account – PLAY \u2013 10%)<\/h3>\n

Qu\u1ef9 h\u01b0\u1edfng th\u1ee5 PLAY \u0111\u1ec3 nu\u00f4i d\u01b0\u1ee1ng b\u1ea3n th\u00e2n, gi\u00fap b\u1ea1n th\u1ec3 hi\u1ec7n s\u1ef1 y\u00eau qu\u00fd b\u1ea3n th\u00e2n, t\u1eadn h\u01b0\u1edfng c\u1ea3m gi\u00e1c c\u1ee7a ng\u01b0\u1eddi th\u00e0nh c\u00f4ng, l\u00e0m nh\u1eefng vi\u1ec7c nh\u01b0 ng\u01b0\u1eddi th\u00e0nh c\u00f4ng v\u00e0 n\u00e2ng cao kh\u1ea3 n\u0103ng \u0111\u00f3n nh\u1eadn. H\u00e3y s\u1eed d\u1ee5ng qu\u1ef9 PLAY \u0111\u1ec3 l\u00e0m t\u1ea5t c\u1ea3 nh\u1eefng vi\u1ec7c tr\u00e1i tim b\u1ea1n t\u1eebng khao kh\u00e1t: \u0111\u1ebfn nh\u1eefng n\u01a1i ch\u01b0a t\u1eebng \u0111\u1ebfn, \u0111\u01b0a v\u1ee3\/ch\u1ed3ng hay gia \u0111\u00ecnh \u0111\u1ebfn m\u1ed9t nh\u00e0 h\u00e0ng sang tr\u1ecdng… V\u00e0o ng\u00e0y cu\u1ed1i c\u00f9ng c\u1ee7a th\u00e1ng, b\u1ea1n ph\u1ea3i ti\u00eau h\u1ebft s\u1ed1 ti\u1ec1n trong qu\u1ef9 n\u00e0y nh\u00e9.<\/p>\n

Cho \u0111i (Give Account – GIVE \u2013 5%)<\/h3>\n

Qu\u1ef9 cho \u0111i GIVE gi\u00fap th\u1ec3 hi\u1ec7n l\u00f2ng bi\u1ebft \u01a1n cu\u1ed9c s\u1ed1ng. B\u1edfi cu\u1ed9c s\u1ed1ng c\u00f2n l\u00e0 s\u1ef1 s\u1ebb chia, cho \u0111i t\u1ee9c l\u00e0 \u0111\u00e3 nh\u1eadn l\u1ea1i. H\u00e3y d\u00f9ng qu\u1ef9 GIVE \u0111\u1ec3 l\u00e0m t\u1eeb thi\u1ec7n, gi\u00fap \u0111\u1ee1 ng\u01b0\u1eddi th\u00e2n, gia \u0111\u00ecnh v\u00e0 b\u1ea1n b\u00e8. B\u00ean c\u1ea1nh \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ti\u1ec1n trong h\u0169 n\u00e0y \u0111\u1ec3 t\u1eb7ng qu\u00e0 cho gia \u0111\u00ecnh v\u00e0 b\u1ea1n b\u00e8 v\u00e0o ng\u00e0y sinh nh\u1eadt, c\u00e1c d\u1ecbp \u0111\u1eb7c bi\u1ec7t c\u0169ng nh\u01b0 c\u00e1c ng\u00e0y l\u1ec5 ch\u1eb3ng h\u1ea1n.<\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m ti\u1ec1n JARS ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 ph\u00e1c h\u1ecda v\u1ec1 c\u00e1ch ch\u00fang t\u00f4i s\u1eed d\u1ee5ng 6 chi\u1ebfc l\u1ecd. Th\u1ef1c t\u1ebf, ch\u00fang t\u00f4i kh\u00f4ng s\u1eed d\u1ee5ng l\u1ecd m\u00e0 thay v\u00e0o \u0111\u00f3 l\u00e0 6 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. T\u1ea5t c\u1ea3 t\u00e0i kho\u1ea3n c\u1ee7a ch\u00fang t\u00f4i l\u00e0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111i\u1ec7n t\u1eed v\u1edbi t\u00e0i kho\u1ea3n nhu c\u1ea7u thi\u1ebft y\u1ebfu (NEC) l\u00e0 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 duy nh\u1ea5t, \u0111\u00f3 l\u00e0 checking account. Trisha v\u00e0 t\u00f4i g\u1eedi t\u1ea5t c\u1ea3 kho\u1ea3n thu nh\u1eadp c\u00e1 nh\u00e2n v\u00e0o t\u00e0i kho\u1ea3n nhu c\u1ea7u thi\u1ebft y\u1ebfu. B\u1edfi ti\u1ec1n trong t\u00e0i kho\u1ea3n thu c\u1ea7u thi\u1ebft y\u1ebfu \u0111\u1ec3 chi tr\u1ea3 t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed sinh ho\u1ea1t h\u00e0ng ng\u00e0y. V\u00e0 s\u1ed1 ti\u1ec1n c\u00f3n l\u1ea1i \u0111\u01b0\u1ee3c ph\u00e2n chia \u0111\u1ec1u cho 5 t\u00e0i kho\u1ea3n c\u00f2n l\u1ea1i.<\/p>\n

\"Ph\u01b0\u01a1ng<\/p>\n

May m\u1eafn r\u1eb1ng, t\u00f4i s\u1edbm nh\u1eadn ra t\u1ef7 l\u1ec7 gi\u1eefa c\u00e1c l\u1ecd kh\u00f4ng quan tr\u1ecdng. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh th\u00e0nh c\u00f4ng, ch\u1ec9 c\u1ea7n b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng v\u00e0 x\u00e2y d\u1ef1ng th\u00f3i quen. \u0110\u00f3 m\u1edbi l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng.<\/p>\n

Th\u1eadm ch\u00ed, b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u chi $10 v\u00e0o m\u1ed7i l\u1ecd h\u00e0ng th\u00e1ng. C\u00f3 m\u1ed9t c\u00e2u chuy\u1ec7n \u0111\u1ea7y c\u1ea3m h\u1ee9ng trong cu\u1ed1n “Secrets of the Millionaire Mind<\/em>” m\u00e0 t\u00f4i t\u1eebng \u0111\u1ecdc \u0111\u00f3 l\u00e0: “M\u1ed9t ng\u01b0\u1eddi ph\u1ee5 n\u1eef b\u1eaft \u0111\u1ea7u chia $1 v\u00e0o trong m\u1ed7i l\u1ecd v\u00e0o m\u1ed7i th\u00e1ng. Trong th\u00e1ng \u0111\u1ea7u ti\u00ean, c\u00f4 \u0111\u00e3 \u0111\u1ec3 10 cent v\u00e0o PLAY, 10 cent v\u00e0o FFA, 10 cent v\u00e0o LTSS v\u00e0 c\u1ee9 nh\u01b0 v\u1eady. Sau \u0111\u00f3, c\u00f4 \u0111\u00e3 s\u1eed d\u1ee5ng 10 cent \u0111\u1ec3 mua k\u1eb9o cao su th\u1ed5i bong b\u00f3ng. May m\u1eafn, c\u00f4 nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t cu\u1ed1n truy\u1ec7n tranh mini c\u00f9ng m\u1ed9t g\u00f3i k\u1eb9o cao su m\u00e0 c\u00f4 \u0111\u00e3 mua. C\u00f4 \u0111\u1ecdc truy\u1ec7n tranh, nhai k\u1eb9o cao su v\u00e0 c\u01b0\u1eddi. Hai n\u0103m sau, c\u00f4 \u0111\u00e3 g\u1eedi \u0111\u01b0\u1ee3c 10.000 \u0111\u00f4 la v\u00e0o t\u00e0i kho\u1ea3n FFA. V\u00e0 b\u00e2y gi\u1edd l\u00e0 ai \u0111ang c\u01b0\u1eddi<\/em>?”<\/p>\n

\u00a0<\/div>\n

L\u01b0u \u00fd<\/h2>\n

Vi\u1ec7c cho ti\u1ec1n v\u00e0o c\u00e1c l\u1ecd n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n H\u00c0NG NG\u00c0Y<\/strong>. N\u1ebfu l\u00e0m h\u00e0ng ng\u00e0y m\u00e0 s\u1ed1 ti\u1ec1n ch\u1ec9 t\u0103ng v\u00e0o cu\u1ed1i th\u00e1ng th\u00ec t\u1ee9c l\u00e0 b\u1ea1n ch\u1ec9 \u0111ang l\u00e0m c\u00f4ng, \u0103n l\u01b0\u01a1ng. H\u00e3y t\u00ecm ki\u1ebfm th\u00eam c\u00e1c ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng kh\u00e1c \u0111\u1ec3 b\u1ed5 sung ngu\u1ed3n thu m\u1ed7i ng\u00e0y.<\/p>\n

Qu\u1ef9 h\u01b0\u1edfng th\u1ee5 PLAY c\u1ea7n \u0111\u01b0\u1ee3c ti\u00eau d\u00f9ng li\u00ean t\u1ee5c v\u00e0 ph\u1ea3i h\u1ebft v\u00e0o cu\u1ed1i th\u00e1ng. N\u1ebfu th\u1eeba ti\u1ec1n, ngh\u0129a l\u00e0 b\u1ea1n c\u1ea7n c\u00e2n b\u1eb1ng l\u1ea1i cu\u1ed9c s\u1ed1ng b\u1eb1ng c\u00e1ch ngh\u0129 t\u1edbi vi\u1ec7c ch\u0103m s\u00f3c cho b\u1ea3n th\u00e2n. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu thi\u1ebfu, b\u1ea1n c\u1ea7n t\u1eadp trung cho vi\u1ec7c ki\u1ebfm ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n

V\u1ec1 qu\u1ef9 t\u1ef1 do t\u00e0i ch\u00ednh FFA, b\u1ea1n kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c ti\u00eau ti\u1ec1n trong qu\u1ef9 n\u00e0y m\u00e0 ch\u1ec9 d\u00f9ng n\u00f3 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 t\u1ea1o ra thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng.<\/p>\n

T\u1ef7 l\u1ec7 gi\u1eefa c\u00e1c h\u0169 kh\u00f4ng quan tr\u1ecdng. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o th\u00e0nh c\u00f4ng trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, b\u1ea1n ch\u1ec9 c\u1ea7n b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c th\u00f3i quen. Th\u00f3i quen m\u1edbi th\u1ef1c s\u1ef1 l\u00e0 ch\u00eca kh\u00f3a th\u00e0nh c\u00f4ng.<\/p>\n

\u00a0<\/p>\n

Ch\u00fac c\u00e1c b\u1ea1n th\u00e0nh c\u00f4ng!<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i b\u1edfi Steve Martile<\/strong>, m\u1ed9t hu\u1ea5n luy\u1ec7n vi\u00ean cu\u1ed9c s\u1ed1ng v\u00e0 c\u0169ng l\u00e0 t\u00e1c gi\u1ea3 c\u1ee7a blog c\u1ea3i thi\u1ec7n c\u00e1 nh\u00e2n FreedomEducation.ca. D\u01b0\u1edbi \u0111\u00e2y Steve Martile \u0111\u00e3 m\u00f4 t\u1ea3 chi ti\u1ebft ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n b\u1eb1ng 6 chi\u1ebfc h\u0169, ph\u01b0\u01a1ng ph\u00e1p n\u00e0y l\u00e0m t\u00f4i nh\u1edb \u0111\u1ebfn ph\u01b0\u01a1ng th\u1ee9c c\u00e2n b\u1eb1ng t\u00e0i ch\u00ednh c\u1ee7a Elizabeth Warren.<\/strong><\/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\/39765"}],"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=39765"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/39765\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=39765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=39765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=39765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}