{"id":4823,"date":"2023-11-29T17:46:23","date_gmt":"2023-11-29T17:46:23","guid":{"rendered":"https:\/\/masterskills.org\/blog\/?p=4823"},"modified":"2023-12-21T09:56:18","modified_gmt":"2023-12-21T02:56:18","slug":"7-nguyen-tac-quan-ly-tai-chinh-ca-nhan-cua-nguoi-thanh-cong","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/7-nguyen-tac-quan-ly-tai-chinh-ca-nhan-cua-nguoi-thanh-cong.html","title":{"rendered":"7 Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi th\u00e0nh c\u00f4ng"},"content":{"rendered":"<p class=\"body-copy-large-regular\"><strong>C\u00e1c doanh nh\u00e2n nh\u01b0 Warren Buffett, Oprah Winfrey, Bill Gates\u2026 ngo\u00e0i l\u00e0 nh\u1eefng nh\u00e0 kinh doanh \u0111\u1ea1i t\u00e0i, h\u1ecd c\u00f2n l\u00e0 nh\u1eefng \u201cb\u1eadc th\u1ea7y\u201d trong vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n. V\u1eady \u0111\u00e2u l\u00e0 b\u00ed quy\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 c\u1ee7a nh\u1eefng v\u1ecb doanh nh\u00e2n n\u00e0y? H\u00e3y c\u00f9ng kh\u00e1m ph\u00e1 trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y nh\u00e9!<\/strong><\/p>\n<h3 class=\"body-copy-large-regular heading-3\"><strong><a id=\"id1\"><\/a>1. Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3: B\u01b0\u1edbc \u0111\u1ea7u \u0111\u1ec3 h\u01b0\u1edbng \u0111\u1ebfn t\u1ef1 do t\u00e0i ch\u00ednh<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">Robert Kiyosaki &#8211; t\u00e1c gi\u1ea3 cu\u1ed1n s\u00e1ch n\u1ed5i ti\u1ebfng \u201cCha gi\u00e0u &#8211; Cha ngh\u00e8o\u201d t\u1eebng nh\u1eadn \u0111\u1ecbnh: \u201cKh\u00f4ng quan tr\u1ecdng l\u00e0 b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n m\u00e0 quan tr\u1ecdng l\u00e0 b\u1ea1n gi\u1eef \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ti\u1ec1n ph\u1ee5c v\u1ee5 b\u1ea1n v\u00e0 \u0111\u1ec3 ti\u1ec1n c\u00f3 th\u1ec3 sinh th\u00eam ti\u1ec1n\u201d.<\/p>\n<p class=\"body-copy-large-regular\">Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 m\u1ed9t k\u1ef9 n\u0103ng s\u1ed1ng v\u00f4 c\u00f9ng quan tr\u1ecdng. Th\u1eadm ch\u00ed, k\u1ef9 n\u0103ng n\u00e0y \u0111\u01b0\u1ee3c nhi\u1ec1u chuy\u00ean gia v\u00e0 t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf khuy\u1ebfn ngh\u1ecb n\u00ean \u0111\u01b0\u1ee3c ph\u1ed5 c\u1eadp t\u1eeb khi c\u00f2n tr\u00ean gh\u1ebf nh\u00e0 tr\u01b0\u1eddng b\u1edfi nhi\u1ec1u l\u1ee3i \u00edch nh\u01b0:<\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">M\u1ed9t khi an t\u00e2m v\u1ec1 t\u00e0i ch\u00ednh, tinh th\u1ea7n c\u1ee7a b\u1ea1n s\u1ebd ph\u1ea5n ch\u1ea5n, n\u0103ng su\u1ea5t l\u00e0m vi\u1ec7c nh\u1edd \u0111\u00f3 m\u00e0 c\u0169ng \u0111\u01b0\u1ee3c n\u00e2ng cao.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">Ngu\u1ed3n v\u1ed1n d\u01b0 d\u1ea3 s\u1ebd m\u1edf ra cho b\u1ea1n nhi\u1ec1u c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n v\u00e0 t\u00e0i ch\u00ednh: theo \u0111u\u1ed5i h\u1ecdc v\u1ea5n cao h\u01a1n, h\u1ecdc th\u00eam ng\u00f4n ng\u1eef m\u1edbi, \u0111\u1ea7u t\u01b0 sinh l\u1ee3i,&#8230;<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">B\u1ea1n d\u1ec5 d\u00e0ng ch\u1ee7 \u0111\u1ed9ng t\u00e0i ch\u00ednh tr\u01b0\u1edbc nh\u1eefng s\u1ef1 c\u1ed1 ho\u1eb7c \u0111i\u1ec1u b\u1ea5t ng\u1edd trong cu\u1ed9c s\u1ed1ng (h\u01b0 xe, tai n\u1ea1n, d\u1ecbch b\u1ec7nh\u2026)<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">T\u1ea1o n\u1ec1n m\u00f3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc cho tu\u1ed5i h\u01b0u an nh\u00e0n, tho\u1ea3i m\u00e1i v\u1ec1 sau.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">\u2026<\/p>\n<\/li>\n<\/ul>\n<p class=\"body-copy-large-regular\">\nT\u1ea1i Vi\u1ec7t Nam, nhi\u1ec1u ng\u01b0\u1eddi trong ch\u00fang ta v\u1eabn c\u00f2n m\u01a1 h\u1ed3 v\u1ec1 k\u1ef9 n\u0103ng n\u00e0y do ch\u01b0a \u0111\u01b0\u1ee3c gi\u1ea3ng d\u1ea1y \u0111\u00fang c\u00e1ch. H\u1eadu qu\u1ea3 l\u00e0 c\u00f3 kh\u00f4ng \u00edt ng\u01b0\u1eddi th\u01b0\u1eddng xuy\u00ean r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng thi\u1ebfu h\u1ee5t ti\u1ec1n b\u1ea1c m\u1ed7i cu\u1ed1i th\u00e1ng v\u00e0 ph\u1ea3i vay m\u01b0\u1ee3n \u0111\u1ec3 b\u00f9 \u0111\u1eafp chi ti\u00eau. T\u1ec7 h\u01a1n, khi c\u0103ng th\u1eb3ng v\u1ec1 t\u00e0i ch\u00ednh khi\u1ebfn t\u00e2m tr\u1ea1ng ch\u00fang ta tr\u1edf n\u00ean kh\u00f3 ch\u1ecbu h\u01a1n, d\u1ec5 g\u1eaft g\u1ecfng, l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c m\u1ed1i quan h\u1ec7 trong cu\u1ed9c s\u1ed1ng nh\u01b0 v\u1ee3 &#8211; ch\u1ed3ng, cha m\u1eb9 &#8211; con c\u00e1i, b\u1ea1n b\u00e8&#8230;<\/p>\n<h3 class=\"body-copy-large-regular heading-3\"><strong><a id=\"id2\"><\/a>2. 7 nguy\u00ean t\u1eafc gi\u00fap b\u1ea1n tr\u1edf th\u00e0nh \u201cb\u1eadc th\u1ea7y\u201d qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">Sau \u0111\u00e2y l\u00e0 nh\u1eefng b\u00ed quy\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3, th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh \u00e1p d\u1ee5ng:<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id2.1\"><\/a>2.1. Lu\u00f4n r\u00e0 so\u00e1t chi ti\u00eau<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">H\u00e3y lu\u00f4n r\u00e0 so\u00e1t c\u00e1c kho\u1ea3n m\u00e0 chi ti\u00eau h\u00e0ng ng\u00e0y, h\u00e0ng th\u00e1ng, h\u00e0ng n\u0103m\u2026 nh\u01b0 h\u1ecdc ph\u00ed, ti\u1ec1n ch\u1ee3, mua s\u1eafm qu\u1ea7n \u00e1o,&#8230; Sau \u0111\u00f3 ph\u00e2n lo\u1ea1i th\u00e0nh 2 lo\u1ea1i c\u01a1 b\u1ea3n: c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m (\u00edt ho\u1eb7c kh\u00f4ng quan tr\u1ecdng) v\u00e0 kh\u00f4ng th\u1ec3 c\u1eaft gi\u1ea3m (quan tr\u1ecdng).<\/p>\n<p class=\"body-copy-large-regular\">Ch\u1eb3ng h\u1ea1n, nh\u1eefng kho\u1ea3n quan tr\u1ecdng v\u00e0 th\u01b0\u1eddng chi\u1ebfm ph\u1ea7n l\u1edbn chi ti\u00eau c\u1ee7a gia \u0111\u00ecnh l\u00e0 h\u1ecdc ph\u00ed. Tuy nhi\u00ean b\u1ea1n kh\u00f4ng th\u1ec3 c\u1eaft gi\u1ea3m kho\u1ea3n n\u00e0y. Thay v\u00e0o \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m nh\u1eefng kho\u1ea3n \u00edt quan tr\u1ecdng nh\u01b0 mua s\u1eafm qu\u1ea7n \u00e1o, xem phim, c\u00e0 ph\u00ea c\u00f9ng b\u1ea1n b\u00e8,&#8230;<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><\/h4>\n<h4 class=\"body-copy-large-regular heading-4\"><strong>2.2 L\u1eadp m\u1ee5c ti\u00eau v\u00e0 l\u1ed9 tr\u00ecnh t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">\u0110\u1ec3 c\u00e1ch qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3, h\u00e3y lu\u00f4n\u00a0l\u1eadp m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh. M\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 l\u00e0 d\u00e0i h\u1ea1n, trung h\u1ea1n ho\u1eb7c ng\u1eafn h\u1ea1n nh\u01b0ng c\u1ea7n th\u1eadt s\u1ef1 r\u00f5 r\u00e0ng \u0111\u1ec3 c\u00f3 l\u1ed9 tr\u00ecnh ti\u1ebft ki\u1ec7m \u0111\u00fang \u0111\u1eafn.<\/p>\n<p class=\"body-copy-large-regular\">B\u1ea1n d\u1ef1 \u0111\u1ecbnh d\u00e0nh d\u1ee5m ti\u1ec1n trong 1 n\u0103m t\u1edbi \u0111\u1ec3 \u0111i du l\u1ecbch c\u00f9ng gia \u0111\u00ecnh. S\u1ed1 ti\u1ec1n b\u1ea1n d\u1ef1 t\u00ednh \u0111i du l\u1ecbch l\u00e0 kho\u1ea3ng 12 tri\u1ec7u \u0111\u1ed3ng. V\u00ec th\u1ebf, l\u1ed9 tr\u00ecnh m\u1ed7i th\u00e1ng b\u1ea1n c\u1ea7n \u0111\u1ec3 d\u00e0nh t\u1ed1i thi\u1ec3u 1 tri\u1ec7u \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau tr\u00ean.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id2.3\"><\/a>2.3. Kh\u00f4ng chi ti\u00eau nhi\u1ec1u h\u01a1n 10% s\u1ed1 ti\u1ec1n b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia d\u00e0nh cho ng\u01b0\u1eddi tr\u1ebb ch\u00ednh l\u00e0 kh\u00f4ng n\u00ean ti\u00eau ti\u1ec1n nhi\u1ec1u h\u01a1n 10% s\u1ed1 ti\u1ec1n b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c. N\u1ebfu thu nh\u1eadp c\u1ee7a b\u1ea1n l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng, c\u00e1c chuy\u00ean gia khuy\u00ean r\u1eb1ng b\u1ea1n kh\u00f4ng n\u00ean mua chi\u1ebfc t\u00fai c\u00f3 gi\u00e1 h\u01a1n 1 tri\u1ec7u.<\/p>\n<p class=\"body-copy-large-regular\">10% tr\u00ean t\u1ed5ng thu nh\u1eadp l\u00e0 kho\u1ea3n ti\u1ec1n kh\u00e1 l\u1edbn, trong khi gi\u00e1 tr\u1ecb c\u1ee7a chi\u1ebfc t\u00fai \u0111\u00f3 c\u00f3 th\u1ec3 b\u1ecb gi\u1ea3m d\u1ea7n theo th\u1eddi gian. \u0110\u1ed3ng th\u1eddi, vi\u1ec7c \u201cd\u1ec5 d\u00e3i\u201d v\u1edbi b\u1ea3n th\u00e2n c\u0169ng khi\u1ebfn b\u1ea1n c\u00f3 nguy c\u01a1 mua s\u1eafm th\u00eam nh\u1eefng m\u00f3n \u0111\u1ed3 kh\u00e1c c\u0169ng c\u00f3 m\u1ee9c gi\u00e1 1 tri\u1ec7u. K\u1ebft qu\u1ea3, b\u1ea1n c\u00f3 th\u1ec3 ti\u00eau h\u1ebft ti\u1ec1n l\u01b0\u01a1ng khi ch\u01b0a \u0111\u1ebfn cu\u1ed1i th\u00e1ng.<\/p>\n<p class=\"body-copy-large-regular\">T\u1ed1t nh\u1ea5t b\u1ea1n ch\u1ec9 n\u00ean mua chi\u1ebfc t\u00fai d\u01b0\u1edbi 1 tri\u1ec7u \u0111\u1ed3ng v\u00e0 \u0111\u1ec3 d\u00e0nh chi ph\u00ed \u0111\u00f3 d\u00e0nh chi ti\u00eau cho t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb v\u00e0 mang l\u1ea1i l\u1ee3i \u00edch l\u00e2u d\u00e0i nh\u01b0: nh\u00e0, xe, s\u1ed1 ti\u1ebft ki\u1ec7m&#8230; Ho\u1eb7c b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ec3 d\u00e0nh t\u1eeb 100 ng\u00e0n \u0111\u1ebfn 500 ng\u00e0n m\u1ed7i th\u00e1ng \u0111\u1ec3 mua chi\u1ebfc t\u00fai m\u00e0 m\u00ecnh y\u00eau th\u00edch v\u00e0 h\u00ecnh th\u00e0nh \u201ck\u1ef7 lu\u1eadt\u201d khi mua s\u1eafm cho b\u1ea3n th\u00e2n.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id2.4\"><\/a>2.4. C\u1ed1 g\u1eafng tho\u00e1t kh\u1ecfi \u201cv\u00f2ng xo\u00e1y\u201d n\u1ee3 n\u1ea7n<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">Kh\u00f4ng \u00edt ng\u01b0\u1eddi tr\u1ebb c\u00f3 th\u00f3i quen ti\u00eau h\u1ebft ti\u1ec1n t\u1eeb gi\u1eefa th\u00e1ng, sau \u0111\u00f3 m\u01b0\u1ee3n n\u1ee3 \u0111\u1ec3 \u201cduy tr\u00ec cu\u1ed9c s\u1ed1ng\u201d \u1edf n\u1eeda th\u00e1ng sau. B\u1ea1n r\u1ea5t kh\u00f3 \u0111\u1ec3 tho\u00e1t kh\u1ecfi \u201cv\u00f2ng xo\u00e1y\u201d n\u00e0y n\u1ebfu kh\u00f4ng c\u00f3 quy\u1ebft t\u00e2m m\u1ea1nh m\u1ebd.<\/p>\n<p class=\"body-copy-large-regular\">B\u1ea1n n\u00ean c\u1ed1 g\u1eafng tr\u1ea3 h\u1ebft n\u1ee3 \u1edf hi\u1ec7n t\u1ea1i v\u00e0 tr\u00e1nh m\u01b0\u1ee3n th\u00eam n\u1ee3 \u1edf th\u00e1ng sau. \u0110\u1ed3ng th\u1eddi, b\u1ea1n n\u00ean th\u1eaft ch\u1eb7t chi ti\u00eau, tr\u00e1nh mua s\u1eafm nh\u1eefng m\u00f3n \u0111\u1ed3 kh\u00f4ng c\u1ea7n thi\u1ebft. Nh\u1edd \u0111\u00f3, vi\u1ec7c tho\u00e1t kh\u1ecfi \u201cv\u00f2ng xo\u00e1y\u201d n\u1ee3 n\u1ea7n s\u1ebd kh\u00f4ng c\u00f2n l\u00e0 qu\u00e1 \u201cxa v\u1eddi\u201d.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id2.5\"><\/a>2.5. Ti\u1ebft ki\u1ec7m 10 &#8211; 15% thu nh\u1eadp h\u00e0ng th\u00e1ng<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">Ti\u1ebft ki\u1ec7m t\u1ed1i thi\u1ec3u 10 &#8211; 15% thu nh\u1eadp h\u00e0ng th\u00e1ng l\u00e0 nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n nh\u01b0ng c\u1ef1c k\u1ef3 hi\u1ec7u qu\u1ea3 cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n c\u00f3 t\u1ed5ng thu nh\u1eadp 10 tri\u1ec7u \u0111\u1ed3ng\/ th\u00e1ng, b\u1ea1n n\u00ean ti\u1ebft ki\u1ec7m t\u1eeb 1 \u0111\u1ebfn 1,5 tri\u1ec7u m\u1ed7i th\u00e1ng.<\/p>\n<p class=\"body-copy-large-regular\">Khi \u0111\u00e3 th\u00edch \u1ee9ng, b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng m\u1ee9c ti\u1ebft ki\u1ec7m l\u00ean t\u1eeb 20%, 25%, 30%&#8230; \u0111\u1ebfn 50% thu nh\u1eadp h\u00e0ng th\u00e1ng. L\u01b0u \u00fd, b\u1ea1n ch\u1ec9 n\u00ean n\u00e2ng m\u1ee9c ti\u1ebft ki\u1ec7m d\u1ea7n d\u1ea7n, kh\u00f4ng n\u00ean \u0111\u1eb7t m\u1ee5c ti\u00eau qu\u00e1 cao ngay t\u1eeb \u0111\u1ea7u b\u1edfi d\u1ec5 khi\u1ebfn b\u1ea3n th\u00e2n b\u1ecf cu\u1ed9c.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><\/h4>\n<h4 class=\"body-copy-large-regular heading-4\"><strong>2.6. Gia t\u0103ng thu nh\u1eadp b\u1eb1ng nhi\u1ec1u ngu\u1ed3n<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">S\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a c\u00e1c doanh nh\u00e2n kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf b\u00ed quy\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 m\u00e0 c\u00f2n \u1edf s\u1ef1 \u0111a d\u1ea1ng k\u00eanh thu nh\u1eadp c\u1ee7a h\u1ecd. \u0110\u00e2y c\u0169ng l\u00e0 \u201cb\u01b0\u1edbc n\u00e2ng cao\u201d \u0111\u1ec3 b\u1ea1n h\u01b0\u1edbng \u0111\u1ebfn s\u1ef1 t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n<p class=\"body-copy-large-regular\">N\u1ebfu b\u1ea1n c\u00f3 th\u1eddi gian r\u1ea3nh r\u1ed7i sau gi\u1edd h\u00e0nh ch\u00ednh, b\u1ea1n c\u00f3 th\u1ec3 l\u00e0m th\u00eam nhi\u1ec1u c\u00f4ng vi\u1ec7c kh\u00e1c nh\u01b0 vi\u1ebft n\u1ed9i dung thu\u00ea, qu\u1ea3n l\u00fd fanpage ho\u1eb7c kinh doanh nh\u1ecf. Tuy nhi\u00ean c\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng, l\u00e0m nhi\u1ec1u c\u00f4ng vi\u1ec7c c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n c\u1ea7n bi\u1ebft c\u00e1ch s\u1eafp x\u1ebfp v\u00e0 c\u00e2n b\u1eb1ng th\u1eddi gian h\u1ee3p l\u00fd.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id2.7\"><\/a>2.7. Trang b\u1ecb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">C\u00e1c s\u1ea3n ph\u1ea9m nh\u00e2n th\u1ecd ng\u00e0y nay v\u00f4 c\u00f9ng \u0111a d\u1ea1ng v\u1ec1 quy\u1ec1n l\u1ee3i. Kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi tham gia tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro trong cu\u1ed9c s\u1ed1ng, nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f2n k\u1ebft h\u1ee3p th\u00eam quy\u1ec1n l\u1ee3i t\u00edch l\u0169y v\u00e0 \u0111\u1ea7u t\u01b0, gi\u00fap ng\u01b0\u1eddi tham gia r\u00e8n luy\u1ec7n th\u00f3i quen qu\u1ea3n l\u00fd chi ti\u00eau h\u1ee3p l\u00fd v\u00e0 c\u00f3 kho\u1ea3n thu nh\u1eadp d\u01b0 d\u1ea3 cho tu\u1ed5i h\u01b0u an nh\u00e0n.<\/p>\n<p class=\"body-copy-large-regular\">B\u1ea1n kh\u00f4ng c\u1ea7n d\u00e0nh qu\u00e1 nhi\u1ec1u ti\u1ec1n cho\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, 10% &#8211; 15% thu nh\u1eadp h\u00e0ng th\u00e1ng cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 m\u1ee9c t\u1ed1i \u01b0u.<\/p>\n<h3 class=\"body-copy-large-regular heading-3\"><strong><a id=\"id3\"><\/a>3. C\u00e1ch qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 v\u00e0 ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">Hi\u1ec7n nay c\u00f3 r\u1ea5t nhi\u1ec1u c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3, trong \u0111\u00f3 n\u1ed5i b\u1eadt l\u00e0 quy t\u1eafc 50-30-20 v\u00e0 quy t\u1eafc 6 c\u00e1i l\u1ecd:<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id3.1\"><\/a>3.1. Quy t\u1eafc 50-30-20<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">\u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 c\u00e1ch quy t\u1eafc qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n c\u01a1 b\u1ea3n nh\u01b0ng v\u00f4 c\u00f9ng hi\u1ec7u qu\u1ea3 b\u1edfi b\u1ea1n ch\u1ec9 c\u1ea7n chia thu nh\u1eadp c\u1ee7a m\u00ecnh th\u00e0nh 3 kho\u1ea3n:<\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">50% thu nh\u1eadp d\u00e0nh cho c\u00e1c chi ph\u00ed sinh ho\u1ea1t c\u1ea7n thi\u1ebft nh\u01b0 nh\u00e0 \u1edf, th\u1ef1c ph\u1ea9m, \u0111i l\u1ea1i.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">30% chi cho c\u00e1c chi ph\u00ed linh ho\u1ea1t nh\u01b0 gi\u1ea3i tr\u00ed, hi\u1ebfu h\u1ec9\u2026 m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m, n\u1ebfu c\u1ea7n.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">20% s\u1ebd d\u00e0nh \u0111\u1ec3 tr\u1ea3 n\u1ee3 c\u0169ng nh\u01b0 ti\u1ebft ki\u1ec7m cho c\u00e1c m\u1ee5c ti\u00eau. B\u1ea1n c\u00f3 th\u1ec3 chia ph\u1ea7n d\u00e0nh d\u1ee5m n\u00e0y th\u00e0nh nhi\u1ec1u kho\u1ea3n \u1ee9ng v\u1edbi t\u1eebng m\u1ee5c ti\u00eau \u0111\u1ec3 d\u1ec5 theo d\u00f5i.<\/p>\n<\/li>\n<\/ul>\n<p class=\"body-copy-large-regular\">\n<strong>\u01afu \u0111i\u1ec3m:<\/strong><\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">D\u1ec5 nh\u1edb, d\u1ec5 hi\u1ec3u v\u00e0 d\u1ec5 d\u00e0ng v\u1eadn d\u1ee5ng.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">C\u00f3 th\u1ec3 \u00e1p d\u1ee5ng nhi\u1ec1u \u0111\u1ed1i t\u01b0\u1ee3ng v\u1edbi thu nh\u1eadp kh\u00e1c nhau.<\/p>\n<\/li>\n<\/ul>\n<p class=\"body-copy-large-regular\">\n<strong>Nh\u01b0\u1ee3c \u0111i\u1ec3m:<\/strong><\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">Y\u00eau c\u1ea7u t\u00ednh t\u1ef1 k\u1ef7 lu\u1eadt cao v\u1edbi m\u1ed7i c\u00e1 nh\u00e2n.<\/p>\n<\/li>\n<\/ul>\n<h4 class=\"body-copy-large-regular heading-4\">\n<strong><a id=\"id3.2\"><\/a>3.2. Quy t\u1eafc 6 c\u00e1i l\u1ecd<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">Quy t\u1eafc 6 chi\u1ebfc l\u1ecd \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi t\u00e1c gi\u1ea3 Harv Eker, t\u00e1c gi\u1ea3 nhi\u1ec1u cu\u1ed1n s\u00e1ch t\u00e0i ch\u00ednh n\u1ed5i ti\u1ebfng th\u1ebf gi\u1edbi nh\u01b0 \u201c B\u00ed m\u1eadt t\u01b0 duy tri\u1ec7u ph\u00fa\u201d v\u00e0 \u201cL\u00e0m gi\u00e0u nhanh\u201d&#8230; V\u1edbi c\u00e1ch qu\u1ea3n l\u00fd n\u00e0y, thu nh\u1eadp c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chia th\u00e0nh nhi\u1ec1u kho\u1ea3n chi ti\u1ebft h\u01a1n quy t\u1eafc 50-30-20:<\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">L\u1ecd 1 \u2013 Chi ti\u00eau thi\u1ebft y\u1ebfu (55% thu nh\u1eadp) cung c\u1ea5p chi ph\u00ed cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng sinh ho\u1ea1t h\u00e0ng ng\u00e0y nh\u01b0 \u0103n u\u1ed1ng, ti\u1ec1n nh\u00e0, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc\u2026<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">L\u1ecd 2 \u2013 Ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n (10% thu nh\u1eadp) ph\u1ee5c v\u1ee5 cho nh\u1eefng m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n cho cu\u1ed9c s\u1ed1ng nh\u01b0 mua nh\u00e0, mua xe, c\u01b0\u1edbi sinh, kinh doanh\u2026<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">L\u1ecd 3 \u2013 Qu\u1ef9 gi\u00e1o d\u1ee5c (10% thu nh\u1eadp) \u0111\u1ec3 tham gia c\u00e1c kh\u00f3a h\u1ecdc ch\u1ee9ng ch\u1ec9, k\u1ef9 n\u0103ng, workshop\u2026 \u0111\u1ec3 trau d\u1ed3i ki\u1ebfn th\u1ee9c chuy\u00ean m\u00f4n cho b\u1ea3n th\u00e2n, t\u0103ng c\u01a1 h\u1ed9i th\u0103ng ti\u1ebfn trong c\u00f4ng vi\u1ec7c.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">L\u1ecd 4 \u2013 H\u01b0\u1edfng th\u1ee5 (10% thu nh\u1eadp) \u0111\u1ec3 th\u01b0\u1edfng cho b\u1ea3n th\u00e2n b\u1ea1n sau khi \u0111\u00e3 n\u1ed7 l\u1ef1c l\u00e0m vi\u1ec7c v\u00e0 ti\u1ebft ki\u1ec7m.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">L\u1ecd 5 \u2013 Qu\u1ef9 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh (10% thu nh\u1eadp) d\u00f9ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0, g\u1eedi ti\u1ebft ki\u1ec7m, g\u00f3p v\u1ed1n kinh doanh\u2026 sinh l\u1eddi, t\u1ea1o n\u00ean thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">L\u1ecd 6 \u2013 Qu\u1ef9 t\u1eeb thi\u1ec7n (5% thu nh\u1eadp) s\u1ebd d\u00f9ng \u0111\u1ec3 gi\u00fap \u0111\u1ee1 ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 ho\u1eb7c cho c\u00e1c qu\u1ef9 v\u00ec c\u1ed9ng \u0111\u1ed3ng.<\/p>\n<\/li>\n<\/ul>\n<p class=\"body-copy-large-regular\">\n<strong>\u01afu \u0111i\u1ec3m:<\/strong><\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">T\u1ea1o t\u00ednh k\u1ef7 lu\u1eadt cao cho ng\u01b0\u1eddi ti\u1ebft ki\u1ec7m.<\/p>\n<\/li>\n<\/ul>\n<p class=\"body-copy-large-regular\">\n<strong>Nh\u01b0\u1ee3c \u0111i\u1ec3m:<\/strong><\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">Ph\u1ee9c t\u1ea1p, kh\u00f4ng ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">Kh\u00f3 \u00e1p d\u1ee5ng v\u1edbi kho\u1ea3n thu nh\u1eadp t\u1eeb trung b\u00ecnh tr\u1edf xu\u1ed1ng.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"body-copy-large-regular heading-3\"><\/h3>\n<h3 class=\"body-copy-large-regular heading-3\"><strong>4. Nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n?<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">Sau \u0111\u00e2y l\u00e0 nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh cho c\u00e1 nh\u00e2n v\u00e0 l\u1eddi gi\u1ea3i:<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id4.1\"><\/a>4.1. N\u00ean qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n \u1edf \u0111\u00e2u?<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">T\u00f9y theo nhu c\u1ea7u v\u00e0 s\u1edf th\u00edch, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng s\u1ed5, excel,\u00a0\u1ee9ng d\u1ee5ng (app) qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh tr\u00ean \u0111i\u1ec7n tho\u1ea1i&#8230; Trong \u0111\u00f3, \u1ee9ng d\u1ee5ng l\u00e0 c\u00e1ch qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c gi\u1edbi tr\u1ebb y\u00eau th\u00edch b\u1edfi c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng c\u1eadp nh\u1eadt v\u00e0 theo d\u00f5i t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh m\u1edbi nh\u1ea5t c\u1ee7a m\u00ecnh \u1edf b\u1ea5t k\u1ef3 \u0111\u00e2u.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id4.2\"><\/a>4.2. Ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00ec n\u00ean ch\u00fa \u00fd g\u00ec?<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">Khi m\u1edbi b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1ea1n c\u1ea7n ki\u00ean \u0111\u1ecbnh v\u1edbi m\u1ee5c ti\u00eau. L\u00fac \u0111\u1ea7u b\u1ea1n c\u00f3 th\u1ec3 c\u1ea3m th\u1ea5y kh\u00f4ng quen, nh\u01b0ng d\u1ea7n b\u1ea1n s\u1ebd h\u00ecnh th\u00e0nh \u0111\u01b0\u1ee3c k\u1ef7 lu\u1eadt ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau cho b\u1ea3n th\u00e2n.<\/p>\n<h4 class=\"body-copy-large-regular heading-4\"><strong><a id=\"id4.3\"><\/a>4.3. Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec?<\/strong><\/h4>\n<p class=\"body-copy-large-regular\">C\u00f3 r\u1ea5t nhi\u1ec1u sai l\u1ea7m khi\u1ebfn b\u1ea1n d\u1ec5 d\u00e0ng ph\u00e1 v\u1ee1 nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh nh\u01b0 n\u1ee3 x\u1ea5u, mua s\u1eafm v\u00f4 \u0111\u1ed9, thi\u1ebfu ki\u00ean \u0111\u1ecbnh\u2026 Do \u0111\u00f3, b\u1ea1n n\u00ean c\u1ed1 g\u1eafng kh\u1eafc ph\u1ee5c c\u00e1c sai l\u1ea7m \u0111\u00f3 \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch t\u00e0i ch\u00ednh nh\u00e9.<\/p>\n<p class=\"body-copy-large-regular\">Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng c\u00e1ch v\u00e0 nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Trong \u0111\u00f3 c\u1ea7n l\u01b0u \u00fd r\u1eb1ng, kh\u00f4ng c\u00f3 nguy\u00ean t\u1eafc hay c\u00e1ch qu\u1ea3n l\u00fd l\u00e0 ho\u00e0n h\u1ea3o. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1ea1n c\u1ea7n ki\u00ean \u0111\u1ecbnh v\u1edbi m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u1ec1 ra tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 c\u1ed1 g\u1eafng th\u1ef1c hi\u1ec7n. C\u00f3 nh\u01b0 v\u1eady, b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 nhanh ch\u00f3ng tho\u00e1t kh\u1ecfi \u201cv\u00f2ng xo\u00e1y n\u1ee3 n\u1ea7n\u201d v\u00e0 d\u1ea7n h\u01b0\u1edbng \u0111\u1ebfn s\u1ef1 t\u1ef1 do v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u00e1c doanh nh\u00e2n nh\u01b0 Warren Buffett, Oprah Winfrey, Bill Gates\u2026 ngo\u00e0i l\u00e0 nh\u1eefng nh\u00e0 kinh doanh \u0111\u1ea1i t\u00e0i, h\u1ecd c\u00f2n l\u00e0 nh\u1eefng \u201cb\u1eadc th\u1ea7y\u201d trong vi\u1ec7c qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n. V\u1eady \u0111\u00e2u l\u00e0 b\u00ed quy\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 c\u1ee7a nh\u1eefng v\u1ecb doanh nh\u00e2n n\u00e0y? H\u00e3y c\u00f9ng kh\u00e1m ph\u00e1 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[192,209,212],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/4823"}],"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=4823"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/4823\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=4823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=4823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=4823"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}