{"id":4835,"date":"2023-11-29T21:54:21","date_gmt":"2023-11-29T21:54:21","guid":{"rendered":"https:\/\/masterskills.org\/blog\/?p=4835"},"modified":"2023-11-30T01:34:23","modified_gmt":"2023-11-30T01:34:23","slug":"quan-ly-tai-chinh-ca-nhan-hieu-qua-voi-3-nguyen-tac-de-doi-can-nho","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/quan-ly-tai-chinh-ca-nhan-hieu-qua-voi-3-nguyen-tac-de-doi-can-nho.html","title":{"rendered":"Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 v\u1edbi 3 nguy\u00ean t\u1eafc \u0111\u1ec3 \u0111\u1eddi c\u1ea7n nh\u1edb"},"content":{"rendered":"

\u0110\u1ec3 Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00e0nh c\u00f4ng b\u1ea1n c\u1ea7n hi\u1ec3u v\u00e0 bi\u1ebft\u00a0l\u1eadp k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n chi ti\u1ebft hay tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc \u0111\u1ec3 l\u00e0m ch\u1ee7 \u0111\u1ed3ng ti\u1ec1n hi\u1ec7u qu\u1ea3.<\/p>\n

B\u1ea1n \u0111ang g\u1eb7p v\u1ea5n \u0111\u1ec1 chi ti\u00eau kh\u00f4ng h\u1ee3p l\u00fd, l\u00e2m v\u00e0o kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh, thi\u1ebfu ti\u1ec1n hay vay n\u1ee3 th\u01b0\u1eddng xuy\u00ean. H\u1ecdc c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3 s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p gi\u00fap b\u1ea1n l\u00e0m ch\u1ee7 \u0111\u1ed3ng ti\u1ec1n c\u1ee7a m\u00ecnh t\u1ed1t nh\u1ea5t. Tuy nhi\u00ean,\u00a0qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0l\u00e0 v\u1ea5n \u0111\u1ec1 kh\u00f4ng h\u1ec1 d\u1ec5 d\u00e0ng, nh\u01b0ng c\u0169ng kh\u00f4ng qu\u00e1 kh\u00f3 kh\u0103n khi b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c nguy\u00ean t\u1eafc \u0111\u1ec3 l\u00e0m ch\u1ee7 \u0111\u1ed3ng ti\u1ec1n hi\u1ec7u qu\u1ea3.<\/p>\n

Hi\u1ec3u v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/h2>\n

Trong cu\u1ed9c s\u1ed1ng, b\u1ea1n c\u1ea7n ki\u1ebfm ti\u1ec1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 chi ti\u00eau nhu c\u1ea7u c\u00e1 nh\u00e2n h\u00e0ng ng\u00e0y, sinh ho\u1ea1t, mua s\u1eafm ph\u1ee5c v\u1ee5 s\u1edf th\u00edch\u2026 V\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n h\u00f3c b\u00faa, khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi \u0111au \u0111\u1ea7u, loay hoay trong qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o hi\u1ec7u qu\u1ea3.<\/p>\n

T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec?<\/strong><\/h3>\n

C\u00f3 kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi ch\u01b0a hi\u1ec3u\u00a0t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec? Kh\u00f4ng c\u00f3 kh\u00e1i ni\u1ec7m c\u01a1 b\u1ea3n khi\u1ebfn b\u1ea1n kh\u00f3 kh\u0103n trong vi\u1ec7c qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o cho hi\u1ec7u qu\u1ea3.<\/p>\n

\"tai-chinh-ca-nhan-la-gi\"<\/p>\n

T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/em>\u00a0l\u00e0 t\u1ed5ng h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng ti\u1ec1n, h\u1ea1ch to\u00e1n s\u1ed1 ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c\/ thu nh\u1eadp, chi ti\u00eau, ti\u1ebft ki\u1ec7m hay \u0111\u1ea7u t\u01b0,\u2026 c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n.<\/i>\u00a0M\u1ed7i ng\u01b0\u1eddi s\u1ebd c\u00f3 v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00e1c nhau, do s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 thu nh\u1eadp, chi ti\u00eau, nhu c\u1ea7u, th\u00f3i quen ti\u00eau d\u00f9ng kh\u00e1c nhau\u2026<\/p>\n

N\u1ebfu m\u1ed9t doanh nghi\u1ec7p c\u1ea7n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh gi\u00fap ho\u1ea1t \u0111\u1ed9ng kinh doanh ph\u00e1t tri\u1ec3n, th\u00ec v\u1edbi m\u1ed7i c\u00e1 nh\u00e2n c\u1ea7n bi\u1ebft c\u00e1ch\u00a0qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh\u00a0<\/b>\u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u1ec1 ti\u1ec1n b\u1ea1c, tr\u00e1nh kh\u1ee7ng ho\u1ea3ng do thu kh\u00f4ng \u0111\u1ee7 chi.<\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec?<\/strong><\/h3>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/em>\u00a0l\u00e0 c\u00e1ch b\u1ea1n s\u1eed d\u1ee5ng \u0111\u1ed3ng ti\u1ec1n m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd cho nhu c\u1ea7u c\u1ea7n thi\u1ebft, m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n, c\u00e1c d\u1ef1 \u0111\u1ecbnh trong t\u01b0\u01a1ng lai\u2026<\/i>\u00a0\u0110\u1ed3ng th\u1eddi ph\u1ea3i lu\u00f4n d\u1ef1 ph\u00f2ng cho m\u00ecnh m\u1ed9t kho\u1ea3n cho nh\u1eefng vi\u1ec7c b\u1ea5t ng\u1edd, r\u1ee7i ro kh\u00f3 l\u01b0\u1eddng tr\u01b0\u1edbc trong cu\u1ed9c s\u1ed1ng.<\/p>\n

T\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/h3>\n

T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 v\u1ea5n \u0111\u1ec1 ri\u00eang c\u1ee7a m\u1ed7i ng\u01b0\u1eddi, kh\u00f4ng ai gi\u1ed1ng ai. N\u1ebfu b\u1ea1n c\u00f3 thu nh\u1eadp cao, \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c nhu c\u1ea7u c\u00e1 nh\u00e2n, s\u1edf th\u00edch mua s\u1eafm, du l\u1ecbch\u2026 V\u1eady\u00a0t\u1ea1i sao ph\u1ea3i qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>? v\u00e0\u00a0m\u1ee5c \u0111\u00edch c\u1ee7a qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n\u00a0<\/b>l\u00e0 g\u00ec?<\/p>\n

\"tam-quan-trong-quan-ly-tai-chinh-ca-nhan\"<\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 v\u1ec1 c\u00e1ch v\u1eadn h\u00e0nh c\u1ee7a ti\u1ec1n, c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh \u0111ang g\u1eb7p ph\u1ea3i, \u0111\u1ec3 t\u00ecm ra c\u00e1ch gi\u1ea3i quy\u1ebft ph\u00f9 h\u1ee3p.<\/p>\n

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  • Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh gi\u00fap b\u1ea1n l\u00e0m ch\u1ee7 \u0111\u1ed3ng ti\u1ec1n, c\u00e1c nhu c\u1ea7u c\u1ea7n thi\u1ebft \u0111\u1ebfn nhu c\u1ea7u gi\u1ea3i tr\u00ed, m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n \u0111\u1ec1u \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng v\u00e0 gi\u1ea3i quy\u1ebft h\u1ee3p l\u00fd.<\/li>\n
  • Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n gi\u00fap b\u1ea1n kh\u00f4ng chi ti\u00eau qu\u00e1 m\u1ee9c, h\u1ea1n ch\u1ebf l\u00e3ng ph\u00ed ti\u1ec1n v\u00e0o nh\u1eefng c\u00f4ng vi\u1ec7c v\u00f4 b\u1ed5. Vi\u1ec7c chi ti\u00eau ki\u1ec3m so\u00e1t s\u1ebd gi\u00fap ti\u1ec1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c \u0111\u00edch, t\u1eeb \u0111\u00f3 h\u1ea1n ch\u1ebf c\u00e1c kho\u1ea3n n\u1ee3, v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh \u0111au \u0111\u1ea7u do thi\u1ebfu ti\u1ec1n.<\/li>\n
  • Vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 s\u1ebd gi\u00fap d\u1ec5 d\u00e0ng x\u00e2y d\u1ef1ng c\u00e1c k\u1ebf ho\u1ea1ch v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, k\u1ebf ho\u1ea1ch trong t\u01b0\u01a1ng lai.<\/li>\n
  • Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 gi\u00fap b\u1ea1n ch\u1ee7 \u0111\u1ed9ng h\u01a1n trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t xu\u1ea5t b\u1ea5t ng\u1edd x\u1ea3y ra. Kho\u1ea3n ti\u1ec1n d\u1ef1 ph\u00f2ng, ti\u1ebft ki\u1ec7m s\u1ebd gi\u00fap b\u1ea1n \u1ee9ng ph\u00f3 k\u1ecbp th\u1eddi khi b\u1ecb \u1ed1m, tai n\u1ea1n, th\u1ea5t nghi\u1ec7p hay b\u1ecb c\u1eaft gi\u1ea3m l\u01b0\u01a1ng do d\u1ecbch b\u1ec7nh\u2026<\/li>\n
  • Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 kh\u00f4ng ch\u1ec9 qu\u1ea3n l\u00fd chi ti\u00eau ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c m\u00e0 c\u00f2n gi\u00fap gia t\u0103ng t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n. S\u1ed1 ti\u1ec1n kh\u00f4ng ch\u1ec9 \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 cho k\u1ef9 n\u0103ng m\u1edbi, n\u00e2ng cao thu nh\u1eadp. Ti\u1ec1n l\u00e0m vi\u1ec7c \u0111\u1ec3 t\u1ea1o ra ti\u1ec1n, gi\u00fap thu nh\u1eadp t\u0103ng d\u00f9 b\u1ea1n kh\u00f4ng b\u1ecf ra qu\u00e1 nhi\u1ec1u c\u00f4ng s\u1ee9c.<\/li>\n<\/ul>\n

    C\u00e2u h\u1ecfi: \u201cT\u1ea1i sao c\u1ea7n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>?\u201d C\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng m\u00e0 b\u1ea5t c\u1ee9 ai c\u0169ng c\u1ea7n hi\u1ec3u \u0111\u1ec3 th\u1ef1c hi\u1ec7n, nh\u1eb1m n\u00e2ng cao m\u1ee9c s\u1ed1ng, gi\u00fap b\u1ea1n tho\u00e1t kh\u1ecfi c\u00e1c \u00e1p l\u1ef1c v\u1ec1 ti\u1ec1n b\u1ea1c, t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n.<\/p>\n

    3 C\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 n\u00ean \u00e1p d\u1ee5ng<\/strong><\/h2>\n

    Ai c\u0169ng th\u1ea5y r\u00f5 t\u1ea7m quan tr\u1ecdng c\u1ee7a qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 cho cu\u1ed9c s\u1ed1ng hi\u1ec7n \u0111\u1ea1i. Tuy nhi\u00ean, n\u00ean b\u1eaft \u0111\u1ea7u v\u1edbi ph\u01b0\u01a1ng ph\u00e1p n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n t\u1ed1t nh\u1ea5t? D\u01b0\u1edbi \u0111\u00e2y l\u00e0 g\u1ee3i \u00fd 3 c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3 m\u00e0 b\u1ea1n n\u00ean \u00e1p d\u1ee5ng.<\/p>\n

    C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n<\/strong><\/h3>\n

    Qu\u1ea3n l\u00fd chi ti\u00eau l\u00e0 v\u1ea5n \u0111\u1ec1 \u0111\u1ea7u ti\u00ean m\u00e0 b\u1ea5t c\u1ee9 ai c\u0169ng c\u1ea7n th\u1ef1c hi\u1ec7n \u0111\u1ec3 t\u1ed1i \u01b0u t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. S\u1eed d\u1ee5ng ti\u1ec1n hi\u1ec7u qu\u1ea3, \u0111\u00fang c\u00e1ch \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u00e2n s\u00e1ch t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.\u00a0Qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n<\/b>\u00a0l\u00e0 vi\u1ec7c b\u1ea1n t\u1ed1i \u01b0u s\u1eed d\u1ee5ng ti\u1ec1n v\u00e0o c\u00e1c nhu c\u1ea7u h\u00e0ng ng\u00e0y, c\u1ea7n thi\u1ebft, gi\u1ea3i tr\u00ed, du l\u1ecbch, \u1ed1m \u0111au\u2026<\/p>\n

    :<\/em><\/p>\n

    \"quan-ly-chi-tieu\"<\/p>\n

    M\u1ed9t s\u1ed1\u00a0ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0\u0111\u1ec3 t\u1ed1i \u01b0u s\u1ed1 ti\u1ec1n s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3, \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m ch\u1ee9ng m\u00e0 b\u1ea1n n\u00ean th\u1eed \u00e1p d\u1ee5ng:<\/p>\n

    Nguy\u00ean t\u1eafc 6 c\u00e1i l\u1ecd<\/h4>\n

    Nguy\u00ean t\u1eafc 6 c\u00e1i l\u1ecd\u00a0\u0111\u01b0\u1ee3c s\u00e1ng t\u1ea1o b\u1edfi Harv Eker s\u1ebd gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd chi ti\u00eau chi ti\u1ebft nh\u1ea5t. Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u1ed5ng thu nh\u1eadp c\u1ee7a m\u1ed7i ng\u01b0\u1eddi, \u0111\u01b0\u1ee3c chia th\u00e0nh 6 c\u00e1i l\u1ecd \u0111\u01b0\u1ee3c chia t\u1ef7 l\u1ec7 ph\u00f9 h\u1ee3p v\u00e0 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u1edbi m\u1ee5c \u0111\u00edch kh\u00e1c nhau.<\/p>\n

    N\u1ebfu t\u1ed5ng thu nh\u1eadp c\u1ee7a b\u1ea1n l\u00e0 100% th\u00ec 6 chi\u1ebfc l\u1ecd s\u1ebd \u0111\u01b0\u1ee3c chia nh\u1ecf v\u1edbi t\u1ef7 l\u1ec7:<\/p>\n

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    • L\u1ecd 1 chi\u1ebfm 55% ph\u1ee5c v\u1ee5 nhu c\u1ea7u chi ti\u00eau c\u1ea7n thi\u1ebft cho cu\u1ed9c s\u1ed1ng c\u01a1 b\u1ea3n nh\u01b0: Ti\u1ec1n nh\u00e0 \u1edf, ti\u1ec1n \u0103n u\u1ed1ng, \u0111i l\u1ea1i, chi ti\u00eau.<\/li>\n
    • L\u1ecd 2 chi\u1ebfm 10% l\u00e0 kho\u1ea3n ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n. S\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m s\u1ebd \u0111\u01b0\u1ee3c d\u00f9ng cho c\u00e1c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n trong t\u01b0\u01a1ng lai nh\u01b0 mua nh\u00e0, mua xe\u2026<\/li>\n
    • L\u1ecd 3 chi\u1ebfm 10% l\u00e0 kho\u1ea3n \u0111\u1ec3 \u0111\u1ea1t\u00a0t\u1ef1 do t\u00e0i ch\u00ednh. S\u1ed1 ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0, sinh l\u1eddi, t\u1ea1o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng. M\u1ee5c ti\u00eau c\u1ee7a kho\u1ea3n n\u00e0y gi\u00fap b\u1ea1n n\u00e2ng cao thu nh\u1eadp, d\u1ea7n \u0111\u1ea1t \u0111\u01b0\u1ee3c ng\u01b0\u1ee1ng t\u1ef1 do t\u00e0i ch\u00ednh m\u00e0 kh\u00f4ng c\u1ea7n l\u00e0m vi\u1ec7c qu\u00e1 nhi\u1ec1u hay \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ngh\u1ec9 h\u01b0u s\u1edbm.<\/li>\n
    • L\u1ecd 4 chi\u1ebfm 10% ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u h\u01b0\u1edfng th\u1ee5 nh\u01b0: Du l\u1ecbch, s\u1edf th\u00edch c\u00e1 nh\u00e2n, mua s\u1eafm t\u1ef1 do\u2026<\/li>\n
    • L\u1ecd 5 chi\u1ebfm 10% ph\u1ee5c v\u1ee5 cho m\u1ee5c \u0111\u00edch gi\u00e1o d\u1ee5c n\u00e2ng cao k\u1ef9 n\u0103ng b\u1ea3n th\u00e2n ho\u1eb7c \u0111\u1ea7u t\u01b0 cho h\u1ecdc t\u1eadp c\u1ee7a con c\u00e1i.<\/li>\n
    • L\u1ecd 6 chi\u1ebfm 5% s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u1edbi m\u1ee5c \u0111\u00edch cho \u0111i, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi th\u00e2n b\u1ea1n b\u00e8, ng\u01b0\u1eddi c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n h\u01a1n hay \u0111\u01a1n gi\u1ea3n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 th\u0103m h\u1ecfi m\u1ecdi ng\u01b0\u1eddi.<\/li>\n<\/ul>\n

      Quy t\u1eafc 50\/20\/30<\/strong><\/h4>\n

      Quy t\u1eafc 50\/20\/30\u00a0l\u00e0 gi\u1ea3i ph\u00e1p tr\u1ef1c quan, \u0111\u01a1n gi\u1ea3n nh\u1ea5t \u0111\u1ec3 m\u1ed7i ng\u01b0\u1eddi qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3. Thu nh\u1eadp c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chia th\u00e0nh 3 nh\u00f3m ch\u00ednh, trong \u0111\u00f3:<\/p>\n

        \n
      • Nh\u00f3m chi ph\u00ed c\u1ed1 \u0111\u1ecbnh, c\u1ea7n thi\u1ebft chi\u1ebfm 50% ph\u1ee5c v\u1ee5 nhu c\u1ea7u c\u01a1 b\u1ea3n: Ti\u1ec1n nh\u00e0, \u0103n, h\u1ecdc ph\u00ed, thu\u1ed1c men\u2026<\/li>\n
      • Nh\u00f3m chi ph\u00ed linh ho\u1ea1t chi\u1ebfm 30% cho nhu c\u1ea7u gi\u1ea3i tr\u00ed, du l\u1ecbch, mua s\u1eafm h\u00e0ng ng\u00e0y.<\/li>\n
      • Nh\u00f3m ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 chi\u1ebfm 20%, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ti\u1ebft ki\u1ec7m m\u1ed9t ph\u1ea7n, ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 t\u1ea1o ra thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng.<\/li>\n<\/ul>\n

        S\u1ed5 Kakeibo<\/strong><\/h4>\n

        Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd chi ti\u00eau theo phong c\u00e1ch ng\u01b0\u1eddi nh\u1eadt\u00a0v\u1edbi s\u1ed5 Kakeibo \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao gi\u00fap b\u1ea1n gi\u00e1m s\u00e1t vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n hi\u1ec7u qu\u1ea3. S\u1ed5 Kakeibo l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1eafc l\u1ef1c \u0111\u1ec3 ghi ch\u00e9p l\u1ea1i chi ti\u00eau, l\u00ean k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh cho nh\u1eefng ng\u00e0y \u0111\u1ea7u ti\u00ean c\u1ee7a th\u00e1ng, x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n mu\u1ed1n ti\u1ebft ki\u1ec7m.<\/p>\n

        Cu\u1ed1n s\u1ed5 ghi ch\u00e9p s\u1ebd gi\u00fap m\u1ed7i ng\u01b0\u1eddi t\u1ea1o th\u00e0nh th\u00f3i quen t\u1ed5ng h\u1ee3p chi ti\u00eau, \u0111\u1ed3ng th\u1eddi \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i th\u00f3i quen s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a m\u00ecnh. \u0110\u1ed3ng th\u1eddi, s\u1ed5 Kakeibo s\u1ebd gi\u00fap b\u1ea1n ghi nh\u1edb, t\u1ea1o ra m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c cam k\u1ebft ban \u0111\u1ea7u.<\/p>\n

        :<\/em><\/p>\n

        C\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/h3>\n

        \u0110\u1ea7u t\u01b0 t\u00e0i ch\u00ednh l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u1ec3 n\u00e2ng cao thu nh\u1eadp, m\u1ee9c s\u1ed1ng c\u1ee7a m\u1ed7i ng\u01b0\u1eddi. B\u1ea1n kh\u00f4ng n\u00ean ch\u1ec9 lao \u0111\u1ed9ng t\u1ea1o ra ti\u1ec1n, n\u00ean \u0111\u1ec3 \u0111\u1ed3ng ti\u1ec1n lao \u0111\u1ed9ng t\u1ea1o ra ch\u00ednh n\u00f3. \u0110\u00e2y l\u00e0 \u0111i\u1ec3m m\u1ea5u ch\u1ed1t quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 t\u1ef1 do t\u00e0i ch\u00ednh. M\u1ed9t s\u1ed1 k\u00eanh \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n h\u1ea5p d\u1eabn, m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o:<\/p>\n

        \"kenh-dau-tu-tai-chinh\"<\/p>\n

          \n
        • G\u1eedi ti\u1ebft ki\u1ec7m<\/strong>\u00a0l\u00e0 h\u00ecnh th\u1ee9c quen thu\u1ed9c nh\u01b0ng hi\u1ec7u qu\u1ea3. Kho\u1ea3n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 kh\u1ea3 n\u0103ng sinh l\u1eddi theo l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, g\u00f3i \u0111\u1ecbnh k\u1ef3.<\/li>\n
        • Ch\u1ee9ng kho\u00e1n<\/strong>\u00a0l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh h\u1ea5p d\u1eabn nh\u1ea5t hi\u1ec7n nay.\u00a0\u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n\u00a0c\u00f3 t\u00ednh thanh kho\u1ea3n cao, mang l\u1ea1i l\u1ee3i nhu\u1eadn l\u1edbn, b\u1ec1n v\u1eefng cho ng\u01b0\u1eddi ch\u01a1i. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u v\u00e0 ph\u00e2n t\u00edch th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh giao d\u1ecbch ph\u00f9 h\u1ee3p, ph\u00f2ng ng\u1eeba r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng. V\u1edbi nh\u1eefng ng\u01b0\u1eddi m\u1edbi ch\u01b0a c\u00f3 nhi\u1ec1u kinh nghi\u1ec7m v\u00e0 th\u1eddi gian t\u00ecm hi\u1ec3u, \u0111\u1ea7u t\u01b0 v\u00e0o ch\u1ee9ng ch\u1ec9 qu\u1ef9 l\u00e0 gi\u1ea3i ph\u00e1p hi\u1ec7u qu\u1ea3 thay th\u1ebf. \u1ee8ng d\u1ee5ng Finhay v\u1edbi qu\u1ef9 m\u1edf \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 TVS mang \u0111\u1ebfn gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 an to\u00e0n, \u1ed5n \u0111\u1ecbnh cho ng\u01b0\u1eddi m\u1edbi.<\/li>\n
        • V\u00e0ng<\/strong>\u00a0l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng, \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn. \u0110\u1ea7u t\u01b0 v\u00e0ng \u1ed5n \u0111\u1ecbnh, kh\u00f4ng m\u1ea5t gi\u00e1 nh\u01b0ng c\u0169ng c\u1ea7n ki\u1ebfn th\u1ee9c v\u1ec1 th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 n\u1eafm b\u1eaft th\u1eddi c\u01a1 mua b\u00e1n mang l\u1ea1i l\u1ee3i nhu\u1eadn.<\/li>\n
        • B\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/strong>\u00a0mang l\u1ea1i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nhi\u1ec1u c\u01a1 h\u1ed9i sinh l\u1eddi l\u1edbn, nh\u01b0ng c\u0169ng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro. Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n hi\u1ec3u v\u1ec1 th\u1ecb tr\u01b0\u1eddng, c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd v\u00e0 s\u1ed1 v\u1ed1n kh\u00f4ng h\u1ec1 nh\u1ecf. \u0110\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho thu\u00ea l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c hi\u1ec7u qu\u1ea3, n\u1eafm b\u1eaft xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng mang l\u1ea1i l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh.<\/li>\n<\/ul>\n

          K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh<\/strong><\/h2>\n

          Kh\u1ea3 n\u0103ng\u00a0ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0kh\u00f4ng t\u1ef1 d\u01b0ng m\u00e0 c\u00f3, y\u00eau c\u1ea7u m\u1ed7i ng\u01b0\u1eddi c\u1ea7n h\u1ecdc t\u1eadp v\u00e0 r\u00e8n luy\u1ec7n k\u1ef9 n\u0103ng \u0111\u1ec3 l\u00e0m ch\u1ee7 \u0111\u1ed3ng ti\u1ec1n m\u1ed9t c\u00e1ch th\u00f4ng minh. \u0110\u1ec3 nh\u1eefng v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh kh\u00f4ng c\u00f2n qu\u00e1 ph\u1ee9c t\u1ea1p, b\u1ea1n c\u1ea7n trang b\u1ecb cho m\u00ecnh nh\u1eefng\u00a0k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n\u00a0<\/b>sau \u0111\u00e2y:<\/p>\n

            \n
          • K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd chi ti\u00eau:<\/strong>\u00a0K\u1ef9 n\u0103ng quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u m\u00e0 b\u1ea5t c\u1ee9 ai c\u0169ng c\u1ea7n r\u00e8n luy\u1ec7n, c\u1ea3i thi\u1ec7n th\u00f3i quen mua s\u1eafm, ti\u00eau d\u00f9ng c\u1ee7a m\u00ecnh. Kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi g\u1eb7p v\u1ea5n \u0111\u1ec1 v\u1edbi vi\u1ec7c ti\u00eau ti\u1ec1n kh\u00f4ng ki\u1ec3m so\u00e1t, g\u00e2y nhi\u1ec1u h\u1ec7 l\u1ee5y t\u00e0i ch\u00ednh, vay n\u1ee3\u2026 \u0110\u1ec3 qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 b\u1ea1n c\u1ea7n c\u00f3 k\u1ebf ho\u1ea1ch chi ti\u00eau, x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ea7n thi\u1ebft, n\u00f3i kh\u00f4ng v\u1edbi nh\u1eefng kho\u1ea3n chi l\u00e3ng ph\u00ed.<\/li>\n
          • K\u1ef9 n\u0103ng l\u00ean k\u1ebf ho\u1ea1ch:<\/strong>\u00a0Kh\u1ea3 n\u0103ng l\u00ean k\u1ebf ho\u1ea1ch s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ecbnh h\u00ecnh \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh, chi ti\u00eau v\u00e0 s\u1eed d\u1ee5ng ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o hi\u1ec7u qu\u1ea3. L\u00ean k\u1ebf ho\u1ea1ch chi ti\u00eau cho nhu c\u1ea7u c\u1ea7n thi\u1ebft nh\u01b0ng v\u1eabn \u0111\u1ea3m b\u1ea3o nhu c\u1ea7u gi\u1ea3i tr\u00ed c\u00e1 nh\u00e2n. \u0110\u1ed3ng th\u1eddi, l\u00ean k\u1ebf ho\u1ea1ch cho t\u01b0\u01a1ng lai s\u1ebd gi\u00fap ch\u00fang ta c\u00f3 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 \u0111\u1ec3 h\u00e0nh \u0111\u1ed9ng theo.<\/li>\n
          • K\u1ef9 n\u0103ng \u0111\u1ea7u t\u01b0:<\/strong>\u00a0\u0110\u00e2y l\u00e0 k\u1ef9 n\u0103ng c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n, t\u00f9y thu\u1ed9c v\u00e0o n\u0103ng l\u1ef1c, n\u0103ng khi\u1ebfu c\u1ee7a m\u1ed7i ng\u01b0\u1eddi. B\u1ea1n c\u00f3 th\u1ec3 g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 ch\u1ee9ng ch\u1ec9 qu\u1ef9 hay \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u2026 \u0110\u1ec3 t\u1ea1o ra thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng l\u1edbn.<\/li>\n
          • K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch:<\/strong>\u00a0N\u0103ng l\u1ef1c th\u1ed1ng k\u00ea, \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh qu\u1ea3n l\u00fd t\u00e0i\u00a0ch\u00ednh c\u00e1 nh\u00e2n th\u00f4ng minh<\/b>\u00a0theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p.<\/li>\n<\/ul>\n

            Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/h2>\n

            B\u1ea1n c\u00f3 ph\u01b0\u01a1ng ph\u00e1p, c\u00f4ng th\u1ee9c \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, nh\u01b0ng kh\u00f4ng tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc s\u1ebd kh\u00f4ng mang l\u1ea1i hi\u1ec7u qu\u1ea3. S\u1ef1 kh\u00e1c bi\u1ec7t c\u1ee7a ng\u01b0\u1eddi th\u00e0nh c\u00f4ng v\u00e0 kh\u00f4ng th\u00e0nh c\u00f4ng l\u00e0 nguy\u00ean t\u1eafc h\u00e0nh \u0111\u1ed9ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng nguy\u00ean t\u1eafc v\u00e0ng m\u00e0 b\u1ea1n c\u1ea7n tu\u00e2n th\u1ee7 \u0111\u1ec3\u00a0qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3<\/b>:<\/p>\n

              \n
            • Chi ti\u00eau \u00edt h\u01a1n s\u1ed1 ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c:<\/strong>\u00a0Nguy\u00ean t\u1eafc h\u00e0ng \u0111\u1ea7u m\u00e0 b\u1ea1n c\u1ea7n tu\u00e2n th\u1ee7 \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. X\u00e1c \u0111\u1ecbnh ng\u00e2n s\u00e1ch, thu nh\u1eadp, \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c chi ti\u00eau ph\u00f9 h\u1ee3p trong kho\u1ea3n ng\u00e2n s\u00e1ch cho ph\u00e9p. N\u1ebfu b\u1ea1n mu\u1ed1n chi ti\u00eau nhi\u1ec1u h\u01a1n b\u1eaft bu\u1ed9c ph\u1ea3i ki\u1ebfm nhi\u1ec1u ti\u1ec1n h\u01a1n.<\/li>\n
            • \u0110\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n \u0111\u1ebb ra ti\u1ec1n:<\/strong>\u00a0Nguy\u00ean t\u1eafc th\u1ee9 2 quan tr\u1ecdng kh\u00f4ng bao gi\u1edd \u0111\u1ec3 ti\u1ec1n nh\u00e0n r\u1ed7i. \u0110\u1ed3ng ti\u1ec1n c\u1ea7n ph\u1ea3i l\u00e0m vi\u1ec7c t\u1ea1o ra l\u1ee3i nhu\u1eadn, gia t\u0103ng thu nh\u1eadp.<\/li>\n
            • Thanh to\u00e1n cho b\u1ea3n th\u00e2n tr\u01b0\u1edbc ti\u00ean:<\/strong>\u00a0\u0110\u00e2y l\u00e0 nguy\u00ean t\u1eafc gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t chi ti\u00eau, tr\u00e1nh s\u1eed d\u1ee5ng ti\u1ec1n kh\u00f4ng h\u1ee3p l\u00fd, d\u1eabn \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

              \u0110\u1ec3 Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00e0nh c\u00f4ng b\u1ea1n c\u1ea7n hi\u1ec3u v\u00e0 bi\u1ebft\u00a0l\u1eadp k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n chi ti\u1ebft hay tu\u00e2n th\u1ee7 c\u00e1c nguy\u00ean t\u1eafc \u0111\u1ec3 l\u00e0m ch\u1ee7 \u0111\u1ed3ng ti\u1ec1n hi\u1ec7u qu\u1ea3. B\u1ea1n \u0111ang g\u1eb7p v\u1ea5n \u0111\u1ec1 chi ti\u00eau kh\u00f4ng h\u1ee3p l\u00fd, l\u00e2m v\u00e0o kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh, thi\u1ebfu ti\u1ec1n […]<\/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\/4835"}],"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=4835"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/4835\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=4835"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=4835"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=4835"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}