{"id":4829,"date":"2023-11-30T03:53:37","date_gmt":"2023-11-30T03:53:37","guid":{"rendered":"https:\/\/masterskills.org\/blog\/?p=4829"},"modified":"2023-12-21T09:56:02","modified_gmt":"2023-12-21T02:56:02","slug":"xay-dung-quy-tiet-kiem-cho-rieng-minh-ban-da-biet","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/xay-dung-quy-tiet-kiem-cho-rieng-minh-ban-da-biet.html","title":{"rendered":"X\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m cho ri\u00eang m\u00ecnh, b\u1ea1n \u0111\u00e3 bi\u1ebft?"},"content":{"rendered":"<p class=\"body-copy-large-regular\"><strong>N\u1ebfu nh\u00ecn v\u1ec1 h\u01b0\u1edbng t\u00edch c\u1ef1c, c\u00f3 th\u1ec3 th\u1ea5y sau \u0111\u1ea1i d\u1ecbch COVID-19, nhi\u1ec1u ng\u01b0\u1eddi h\u1ecdc \u0111\u01b0\u1ee3c c\u00e1ch s\u1ed1ng ti\u1ebft ki\u1ec7m h\u01a1n thay v\u00ec chi ti\u00eau v\u00f4 t\u1ed9i v\u1ea1 nh\u01b0 tr\u01b0\u1edbc. Kh\u00f4ng \u00edt ng\u01b0\u1eddi tr\u1ebb \u0111\u00e3 b\u1eaft \u0111\u1ea7u l\u1eadp k\u1ebf ho\u1ea1ch x\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai v\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch nghi\u00eam t\u00fac.<\/strong><\/p>\n<h2 class=\"body-copy-large-regular heading-2\"><strong><a id=\"id1\"><\/a>1. \u0110\u00e3 \u0111\u1ebfn l\u00fac ai c\u0169ng c\u1ea7n c\u00f3 qu\u1ef9 ti\u1ebft ki\u1ec7m cho ri\u00eang m\u00ecnh, v\u00ec sao?<\/strong><\/h2>\n<p class=\"body-copy-large-regular\">X\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m c\u00e0ng v\u1eefng ch\u1eafc th\u00ec c\u00e0ng gi\u00fap b\u1ea1n t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng \u0111\u00fang ngh\u0129a. C\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">Qu\u1ef9 ti\u1ebft ki\u1ec7m s\u1ebd gi\u00fap b\u1ea1n \u1ee9ng ph\u00f3 khi x\u1ea3y ra r\u1ee7i ro d\u1ecbch b\u1ec7nh, th\u1ea5t nghi\u1ec7p ho\u1eb7c g\u1eb7p tai n\u1ea1n, b\u1ec7nh t\u1eadt\u2026 Nh\u1edd &#8220;chi\u1ebfc phao c\u1ee9u sinh&#8221; n\u00e0y, b\u1ea1n s\u1ebd b\u00ecnh t\u0129nh v\u00e0 an t\u00e2m h\u01a1n tr\u01b0\u1edbc m\u1ecdi bi\u1ebfn c\u1ed1.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">Qu\u1ef9 ti\u1ebft ki\u1ec7m s\u1ebd gi\u00fap b\u1ea1n ch\u1ee7 \u0111\u1ed9ng v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a m\u00ecnh: s\u1eb5n s\u00e0ng k\u1ebft th\u00fac c\u00f4ng vi\u1ec7c kh\u00f4ng c\u00f2n h\u1ee9ng th\u00fa, t\u1ef1 do ch\u1ecdn n\u01a1i m\u00ecnh s\u1ed1ng ho\u1eb7c ch\u1ecdn c\u00e1ch s\u1ed1ng m\u00e0 b\u1ea3n th\u00e2n mong mu\u1ed1n.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">V\u1edbi qu\u1ef9 ti\u1ebft ki\u1ec7m d\u1ed3i d\u00e0o, b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ecdi d\u1ef1 \u0111\u1ecbnh trong t\u01b0\u01a1ng lai nh\u01b0 t\u1eadn h\u01b0\u1edfng tu\u1ed5i h\u01b0u an nh\u00e0n, l\u00e0m t\u1eeb thi\u1ec7n ho\u1eb7c \u0111i du l\u1ecbch \u1edf b\u1ea5t c\u1ee9 n\u01a1i \u0111\u00e2u m\u00e0 kh\u00f4ng ph\u1ea3i b\u1eadn t\u00e2m v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">Ngo\u00e0i ra, x\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m c\u00f2n l\u00e0 c\u00e1ch \u0111\u1ec3 b\u1ea1n s\u1ed1ng c\u00f3 k\u1ef7 lu\u1eadt h\u01a1n v\u1edbi b\u1ea3n th\u00e2n, v\u1edbi gia \u0111\u00ecnh.<\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p class=\"body-copy-large-regular\">\n<p class=\"body-copy-large-regular\"><em>Khi c\u00f3 qu\u1ef9 ti\u1ebft ki\u1ec7m b\u00ean m\u00ecnh, b\u1ea1n s\u1ebd th\u1ea5y t\u1ef1 tin t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng theo c\u00e1ch ri\u00eang c\u1ee7a m\u00ecnh.<\/em><\/p>\n<h2 class=\"body-copy-large-regular heading-2\"><strong><a id=\"id2\"><\/a>2. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 x\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3?<\/strong><\/h2>\n<p class=\"body-copy-large-regular\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng vi\u1ec7c l\u00e0m c\u1ee5 th\u1ec3 cho k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n:<\/p>\n<h3 class=\"body-copy-large-regular heading-3\"><strong>\u0110\u00e1nh gi\u00e1 ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n: Ti\u1ebft ki\u1ec7m bao nhi\u00eau l\u00e0 h\u1ee3p l\u00fd?<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, m\u1ed7i ng\u01b0\u1eddi n\u00ean chia thu nh\u1eadp h\u00e0ng th\u00e1ng (thu nh\u1eadp sau thu\u1ebf) theo quy t\u1eafc 50-20-30, t\u1ee9c l\u00e0 50% s\u1ebd d\u00e0nh cho ph\u00ed sinh ho\u1ea1t thi\u1ebft y\u1ebfu, 20% d\u00f9ng \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 30% chi ti\u00eau cho mong mu\u1ed1n v\u00e0 s\u1edf th\u00edch c\u00e1 nh\u00e2n.<\/p>\n<p class=\"body-copy-large-regular\">Nh\u01b0 v\u1eady, n\u1ebfu thu nh\u1eadp c\u1ee7a b\u1ea1n l\u00e0 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, th\u00ec h\u00e0ng th\u00e1ng b\u1ea1n s\u1ebd chuy\u1ec3n v\u00e0o qu\u1ef9 ti\u1ebft ki\u1ec7m v\u1edbi s\u1ed1 ti\u1ec1n: 20 * 20% = 4 tri\u1ec7u \u0111\u1ed3ng. T\u1ef7 l\u1ec7 n\u00e0y n\u1ebfu \u0111\u01b0\u1ee3c duy tr\u00ec t\u1ed1i thi\u1ec3u trong th\u1eddi gian d\u00e0i s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh ngay khi c\u00f2n s\u1edbm.<\/p>\n<h3 class=\"body-copy-large-regular heading-3\"><strong><a id=\"id2.2\"><\/a>\u0110\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m r\u00f5 r\u00e0ng \u0111\u1ec3 b\u1ea1n th\u00eam quy\u1ebft t\u00e2m<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">H\u00e3y ngh\u0129 v\u1ec1 nh\u1eefng m\u1ee5c ti\u00eau b\u1ea1n mu\u1ed1n ti\u1ebft ki\u1ec7m nh\u01b0: mua xe, \u0111i du l\u1ecbch, l\u00e0m t\u1eeb thi\u1ec7n, \u0111\u1ea7u t\u01b0 gi\u00e1o d\u1ee5c cho con, ph\u1ee5c v\u1ee5 k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u, k\u1ebf ho\u1ea1ch ch\u0103m s\u00f3c cha m\u1eb9 gi\u00e0 ho\u1eb7c thi\u1ebft l\u1eadp qu\u1ef9 kh\u1ea9n c\u1ea5p.<\/p>\n<p class=\"body-copy-large-regular\">Theo \u0111\u00f3, m\u1ee5c ti\u00eau x\u00e2y d\u1ef1ng qu\u1ef9 kh\u1ea9n c\u1ea5p r\u1ea5t quan tr\u1ecdng trong cu\u1ed9c s\u1ed1ng hi\u1ec7n \u0111\u1ea1i. \u0110\u00e2y l\u00e0 m\u00f3n ti\u1ec1n d\u1ef1 ph\u00f2ng cho nh\u1eefng l\u00fac c\u1ea5p b\u00e1ch c\u1ee7a b\u1ea3n th\u00e2n ho\u1eb7c gia \u0111\u00ecnh, th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn b\u1ec7nh t\u1eadt, tai n\u1ea1n, m\u1ea5t thu nh\u1eadp t\u1ea1m th\u1eddi\u2026<\/p>\n<p class=\"body-copy-large-regular\">H\u00e3y \u0111\u00e1nh gi\u00e1 v\u00e0 s\u1eafp x\u1ebfp th\u1ee9 t\u1ef1 \u01b0u ti\u00ean cho c\u00e1c m\u1ee5c ti\u00eau tr\u00ean, c\u00e1ch n\u00e0y s\u1ebd \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn c\u00e1ch b\u1ea1n ph\u00e2n b\u1ed5 ti\u1ec1n trong qu\u1ef9 ti\u1ebft ki\u1ec7m.<\/p>\n<p class=\"body-copy-large-regular\">V\u00ed d\u1ee5: M\u1ed7i th\u00e1ng, b\u1ea1n d\u00e0nh ra 4 tri\u1ec7u \u0111\u1ed3ng cho qu\u1ef9 ti\u1ebft ki\u1ec7m, b\u1ea1n c\u00f3 th\u1ec3 tr\u00edch 50% (t\u1ee9c 2 tri\u1ec7u \u0111\u1ed3ng) \u0111\u1ec3 d\u1ef1 ph\u00f2ng cho nh\u1eefng r\u1ee7i ro li\u00ean quan s\u1ee9c kh\u1ecfe b\u1ea3n th\u00e2n, 30% (t\u1ee9c 1,2 tri\u1ec7u \u0111\u1ed3ng) cho d\u1ef1 \u0111\u1ecbnh mua nh\u00e0, v\u00e0 20% (t\u1ee9c 800 ngh\u00ecn \u0111\u1ed3ng) cho k\u1ebf ho\u1ea1ch ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe cha m\u1eb9 khi v\u1ec1 gi\u00e0. B\u1eb1ng c\u00e1ch n\u00e0y th\u00ec trong t\u01b0\u01a1ng lai, b\u1ea1n s\u1ebd \u0111\u1ea3m b\u1ea3o m\u1ecdi k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh \u0111\u1ec1u th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c.<\/p>\n<h3 class=\"body-copy-large-regular heading-3\"><strong>Ki\u1ec3m so\u00e1t chi ti\u00eau h\u00e0ng th\u00e1ng \u0111\u1ec3 c\u00f3 qu\u1ef9 ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3<\/strong><\/h3>\n<p class=\"body-copy-large-regular\">H\u00e3y li\u1ec7t k\u00ea l\u1ea7n l\u01b0\u1ee3t c\u00e1c kho\u1ea3n chi c\u1ea7n thi\u1ebft v\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n<ul>\n<li>\n<p class=\"body-copy-large-regular\">Kho\u1ea3n chi c\u1ea7n thi\u1ebft: ti\u1ec1n thu\u00ea ho\u1eb7c tr\u1ea3 g\u00f3p nh\u00e0, ti\u1ec1n \u0103n u\u1ed1ng, \u0111i\u1ec7n n\u01b0\u1edbc, m\u1ea1ng Internet, \u0111i\u1ec7n tho\u1ea1i, ph\u00ed \u0111i l\u1ea1i, s\u1ee9c kh\u1ecfe, gi\u00e1o d\u1ee5c\u2026<\/p>\n<\/li>\n<li>\n<p class=\"body-copy-large-regular\">Kho\u1ea3n chi kh\u00f4ng thi\u1ebft y\u1ebfu: gi\u1ea3i tr\u00ed, mua s\u1eafm, du l\u1ecbch\u2026<\/p>\n<\/li>\n<\/ul>\n<p class=\"body-copy-large-regular\">Sau \u0111\u00f3 h\u00e3y \u0111\u1eb7t \u0111\u1ecbnh m\u1ee9c chi ti\u00eau m\u1ed7i ng\u00e0y v\u00e0 theo d\u00f5i s\u00e1t sao (b\u1eb1ng c\u00e1ch ghi ra m\u1ed9t cu\u1ed1n s\u1ed5 tay, d\u00f9ng b\u1ea3ng t\u00ednh Excel ho\u1eb7c d\u00f9ng\u00a0\u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd chi ti\u00eau\u00a0chuy\u00ean nghi\u1ec7p). N\u1ebfu chi ti\u00eau th\u1ef1c t\u1ebf v\u01b0\u1ee3t \u0111\u1ecbnh m\u1ee9c, b\u1ea1n h\u00e3y \u0111i\u1ec1u ch\u1ec9nh ngay sao cho h\u1ee3p l\u00fd.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ebfu nh\u00ecn v\u1ec1 h\u01b0\u1edbng t\u00edch c\u1ef1c, c\u00f3 th\u1ec3 th\u1ea5y sau \u0111\u1ea1i d\u1ecbch COVID-19, nhi\u1ec1u ng\u01b0\u1eddi h\u1ecdc \u0111\u01b0\u1ee3c c\u00e1ch s\u1ed1ng ti\u1ebft ki\u1ec7m h\u01a1n thay v\u00ec chi ti\u00eau v\u00f4 t\u1ed9i v\u1ea1 nh\u01b0 tr\u01b0\u1edbc. Kh\u00f4ng \u00edt ng\u01b0\u1eddi tr\u1ebb \u0111\u00e3 b\u1eaft \u0111\u1ea7u l\u1eadp k\u1ebf ho\u1ea1ch x\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai v\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch nghi\u00eam [&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\/4829"}],"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=4829"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/4829\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=4829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=4829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=4829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}