{"id":4839,"date":"2023-11-30T00:55:57","date_gmt":"2023-11-30T00:55:57","guid":{"rendered":"https:\/\/masterskills.org\/blog\/?p=4839"},"modified":"2023-11-29T20:01:39","modified_gmt":"2023-11-29T20:01:39","slug":"4-su-ve-quan-tri-tai-chinh-ca-nhan-ma-rat-nguoi-biet","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/4-su-ve-quan-tri-tai-chinh-ca-nhan-ma-rat-nguoi-biet.html","title":{"rendered":"4 S\u1ef1 th\u1eadt v\u1ec1 qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 r\u1ea5t \u00edt ng\u01b0\u1eddi bi\u1ebft!"},"content":{"rendered":"

T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec?<\/h2>\n

\u201cT\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n ho\u1eb7c c\u1ee7a m\u1ed9t gia \u0111\u00ecnh th\u1ef1c hi\u1ec7n nh\u1eb1m l\u1eadp ng\u00e2n s\u00e1ch, l\u00ean k\u1ebf ho\u1ea1ch chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m c\u00e1c ngu\u1ed3n ti\u1ec1n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. Trong \u0111\u00f3 c\u00f3 t\u00ednh \u0111\u1ebfn c\u00e1c r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 c\u00e1c s\u1ef1 ki\u1ec7n trong t\u01b0\u01a1ng lai. Trong qu\u00e1 tr\u00ecnh l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh n\u00e0y \u0111\u00f2i h\u1ecfi ch\u00fang ta ph\u1ea3i xem x\u00e9t nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 c\u00e2n \u0111\u1ed1i gi\u1eefa nhu c\u1ea7u v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c \u0111\u1eb7t ra.\u201d<\/p>\n

Qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m kh\u00f4ng qu\u00e1 xa l\u1ea1. Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 m\u1ed9t ph\u1ea1m tr\u00f9 d\u1ec5 n\u00f3i nh\u01b0ng kh\u00f3 th\u1ef1c hi\u1ec7n. B\u1eb1ng ch\u1ee9ng th\u1ef1c t\u1ebf cho th\u1ea5y vi\u1ec7c ki\u1ebfm ti\u1ec1n ng\u00e0y nay \u0111\u00e3 kh\u00f3, vi\u1ec7c chi ti\u00eau l\u01b0\u1ee3ng ti\u1ec1n h\u1ee3p l\u00fd c\u00e0ng kh\u00f3 h\u01a1n. \u0110\u1eb7c bi\u1ec7t l\u00e0 t\u1eeb s\u1ed1 ti\u1ec1n \u0111\u00f3 sinh th\u00eam \u201cl\u1eddi\u201d. B\u1ea1n s\u1ebd c\u00f3 ngay c\u00e2u tr\u1ea3 l\u1eddi cho ch\u00ednh m\u00ecnh n\u1ebfu n\u1eafm \u0111\u01b0\u1ee3c nh\u1eefng s\u1ef1 th\u1eadt sau \u0111\u00e2y v\u1ec1: ki\u1ebfm ti\u1ec1n, ti\u1ebft ki\u1ec7m ti\u1ec1n, b\u1ea3o v\u1ec7 ti\u1ec1n v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n

B\u1ea3n ch\u1ea5t v\u1ec1 qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 ch\u00fang ta c\u1ea7n hi\u1ec3u r\u00f5 tr\u01b0\u1edbc khi \u0111\u1ea7u t\u01b0 l\u00e0 g\u00ec?<\/h2>\n

\u0110\u1ec3\u00a0qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0hi\u1ec7u qu\u1ea3, vi\u1ec7c \u0111\u1ea7u ti\u00ean ch\u00fang ta c\u1ea7n l\u00e0m l\u00e0 hi\u1ec3u r\u00f5 r\u00e0ng v\u00e0 chi ti\u1ebft 4 b\u01b0\u1edbc quan tr\u1ecdng: ki\u1ebfm ti\u1ec1n, ti\u1ebft ki\u1ec7m v\u00e0 d\u00f9ng s\u1ed1 ti\u1ec1n \u0111\u00f3, b\u1ea3o v\u1ec7 ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o v\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ec1n ra sao. Sau qu\u00e1 tr\u00ecnh ph\u00e2n t\u00edch, th\u1ed1ng k\u00ea v\u00e0 t\u1ed5ng h\u1ee3p 4 b\u01b0\u1edbc n\u00e0y, m\u1ed7i c\u00e1 nh\u00e2n s\u1ebd t\u00ecm ra m\u1ed9t k\u1ebf ho\u1ea1ch ho\u00e0n ch\u1ec9nh \u0111\u1ec3 th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

\"Qu\u1ea3n<\/i><\/p>\n

B\u01b0\u1edbc 1 trong qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: Ki\u1ebfm ti\u1ec1n \u2013 ngu\u1ed3n thu<\/h3>\n

Mu\u1ed1n\u00a0qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0tr\u01b0\u1edbc h\u1ebft b\u1ea1n ph\u1ea3i c\u00f3 \u201ct\u00e0i ch\u00ednh\u201d th\u00ec m\u1edbi c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd. N\u00f3i m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3 l\u00e0 ch\u00fang ta ph\u1ea3i ki\u1ebfm ra \u201cti\u1ec1n\u201d. Trong quy\u1ec3n s\u00e1ch \u201cCha gi\u00e0u cha ngh\u00e8o\u201d c\u1ee7a t\u00e1c gi\u1ea3 Robert Kiyosaki, \u00f4ng \u0111\u00e3 chia ch\u00fang ta ra l\u00e0m 4 nh\u00f3m ch\u00ednh theo t\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c ki\u1ebfm ti\u1ec1n nh\u01b0 sau:<\/p>\n

    \n
  • Nh\u00f3m 1: nh\u00e2n vi\u00ean v\u00e0 qu\u1ea3n l\u00fd, \u0111\u1eb7c \u0111i\u1ec3m nh\u00f3m n\u00e0y l\u00e0 d\u00f9ng c\u00f4ng s\u1ee9c, th\u1eddi gian v\u00e0 tr\u00ed tu\u1ec7 \u0111\u1ec3 l\u00e0m ra ti\u1ec1n, nh\u00f3m n\u00e0y l\u00e0m vi\u1ec7c cho ng\u01b0\u1eddi kh\u00e1c.<\/li>\n
  • Nh\u00f3m 2: T\u1ef1 do, t\u1ef1 l\u00e0m ch\u1ee7, ho\u1eb7c freelance c\u0169ng d\u00f9ng c\u00f4ng s\u1ee9c v\u00e0 th\u1eddi gian, tr\u00ed tu\u1ec7 l\u00e0m ra ti\u1ec1n nh\u01b0ng nh\u00f3m n\u00e0y l\u00e0m vi\u1ec7c cho ch\u00ednh m\u00ecnh.<\/li>\n
  • Nh\u00f3m 3: Doanh nh\u00e2n, ch\u1ee7 doanh nghi\u1ec7p, nh\u00f3m n\u00e0y d\u00f9ng \u00fd t\u01b0\u1edfng kinh doanh, h\u1ec7 th\u1ed1ng (con ng\u01b0\u1eddi), v\u00e0 tr\u00ed tu\u1ec7 \u0111\u1ec3 l\u00e0m ra ti\u1ec1n.<\/li>\n
  • Nh\u00f3m 4: Nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00f9ng ti\u1ec1n v\u00e0 tr\u00ed tu\u1ec7 nh\u1eb1m t\u1ea1o ra nhi\u1ec1u ti\u1ec1n h\u01a1n. \u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a nh\u00f3m n\u00e0y l\u00e0 nghi\u00ean c\u1ee9u s\u00e2u v\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch chuy\u00ean nghi\u1ec7p.<\/li>\n<\/ul>\n

    \"Qu\u1ea3n<\/i><\/p>\n

    M\u1ed7i c\u00e1 th\u1ec3 s\u1ebd thu\u1ed9c m\u1ed9t nh\u00f3m ng\u01b0\u1eddi tr\u00ean, tuy nhi\u00ean, c\u0169ng c\u00f3 r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 thu\u1ed9c t\u1eeb 2 nh\u00f3m ng\u01b0\u1eddi tr\u00ean. B\u1ea5t k\u1ef3 nh\u00f3m n\u00e0o c\u0169ng \u0111ang t\u1ea1o ra gi\u00e1 tr\u1ecb cho x\u00e3 h\u1ed9i v\u00e0 \u0111\u00f3ng g\u00f3p cho s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf. Quan tr\u1ecdng \u1edf \u0111\u00e2y l\u00e0 vi\u1ec7c m\u1ed9t c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u1ea1t m\u1ee9c s\u1ed1ng m\u00e0 m\u00ecnh mu\u1ed1n, \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 h\u01b0\u1edbng t\u1edbi t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n

    M\u1ed9t b\u01b0\u1edbc trong\u00a0qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>, hi\u1ec3u r\u00f5 \u201ckh\u00e2u ki\u1ebfm ti\u1ec1n\u201d \u0111\u1ec3 c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng ki\u1ebfm ti\u1ec1n v\u00e0 ph\u00e2n b\u1ed5 l\u01b0\u1ee3ng li\u1ec1n trong nh\u1eefng b\u01b0\u1edbc ti\u1ebfp theo h\u1ee3p l\u00fd. \u0110\u00e2y l\u00e0 \u0111i\u1ec1u hi\u1ec3n nhi\u00ean m\u00e0 ch\u00fang ta hay b\u1ecf qu\u00ean v\u00ec ch\u1ea1y theo \u201c\u0111\u1ea7u t\u01b0\u201d m\u1ed9t c\u00e1ch m\u00f9 qu\u00e1ng.<\/p>\n

    B\u01b0\u1edbc 2 trong qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n : D\u00f9ng ngu\u1ed3n ti\u1ec1n h\u1ee3p l\u00fd v\u00e0 c\u00f3 k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m<\/h3>\n

    M\u1ed9t s\u1ef1 th\u1eadt ti\u1ebfp theo trong\u00a0qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0l\u00e0 \u201cs\u1eed d\u1ee5ng ti\u1ec1n\u201d. N\u1ebfu xem x\u00e9t k\u1ef9, t\u1ea5t c\u1ea3 trong ch\u00fang ta kh\u00f4ng \u00edt l\u1ea7n \u0111\u00e3 vung tay qu\u00e1 l\u1ed1 cho kho\u1ea3ng ti\u1ec1n v\u1eeba ki\u1ebfm ra. Hay n\u00f3i theo c\u00e1ch kh\u00e1c l\u00e0 ki\u1ebfm ti\u1ec1n th\u00ec kh\u00f3 ch\u1ee9 s\u1eed d\u1ee5ng ti\u1ec1n th\u00ec d\u1ec5. Ai c\u0169ng bi\u1ebft c\u00e1ch s\u1eed d\u1ee5ng ti\u1ec1n nh\u01b0ng \u1edf \u0111\u00e2y l\u00e0 c\u00e1ch s\u1eed d\u1ee5ng ti\u1ec1n th\u00f4ng minh l\u1ea1i c\u00e0ng kh\u00f3 h\u01a1n. Ch\u01b0a k\u1ec3 l\u00e0 \u0111i \u0111\u00f4i v\u1edbi ti\u1ebft ki\u1ec7m, c\u00e1ch ti\u1ebft ki\u1ec7m c\u1ee7a s\u1ed1 \u0111\u00f4ng s\u1ebd \u0111i theo: khi c\u00f3 thu nh\u1eadp, ch\u00fang ta th\u01b0\u1eddng s\u1eed d\u1ee5ng ti\u1ec1n theo \u00fd mu\u1ed1n c\u1ee7a m\u00ecnh, v\u00e0 c\u1ed1 g\u1eafng c\u1eaft b\u1edbt chi ti\u00eau \u0111\u1ec3 ti\u1ebft ki\u1ec7m.<\/p>\n

    \"Qu\u1ea3n<\/i><\/p>\n

    Th\u1eadt ra ng\u01b0\u1eddi qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh t\u1ed1t l\u00e0 ng\u01b0\u1eddi s\u1ebd ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi \u0111\u01b0a ngu\u1ed3n ti\u1ec1n v\u00e0o ph\u00e2n b\u1ed5 v\u1ec1 c\u00e1c qu\u1ef9 kh\u00e1c. C\u1ee5 th\u1ec3, m\u1ed7i khi ngu\u1ed3n thu v\u00e0o th\u00ec gi\u1eef l\u1ea1i ngay 5% \u2013 15% \u0111\u1ec3 \u0111\u01b0a v\u00e0o qu\u1ef9 \u201ct\u00e0i ch\u00ednh c\u00e1 nh\u00e2n\u201d. Ti\u1ebfp \u0111\u1ebfn s\u1ed1 c\u00f2n l\u1ea1i ph\u00e2n b\u1ed5 v\u00e0o c\u00e1c qu\u1ef9 kh\u00e1c: Qu\u1ef9 nhu c\u1ea7u thi\u1ebft y\u1ebfu, qu\u1ef9 chi ti\u00eau mua s\u1eafm, qu\u1ef9 \u0111\u00e0o t\u1ea1o, qu\u1ef9 giao ti\u1ebfp, qu\u1ef9 du l\u1ecbch\u2026Kh\u00e2u n\u00e0y \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi th\u00f3i quen c\u1ee7a s\u1ed1 \u0111\u00f4ng th\u01b0\u1eddng l\u00e0m nh\u01b0ng l\u1ea1i mang hi\u1ec7u qu\u1ea3 b\u1ea5t ng\u1edd. V\u00e0 b\u00ed quy\u1ebft \u0111\u1ec3 th\u00e0nh c\u00f4ng cho c\u00f4ng th\u1ee9c n\u00e0y l\u00e0 \u0111\u1ee7 k\u1ef7 lu\u1eadt cho b\u1ea3n th\u00e2n v\u1edbi nh\u1eefng quy t\u1eafc \u0111\u1eb7t ra.<\/p>\n

    B\u01b0\u1edbc 3 trong qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: \u201cH\u00e0ng r\u00e0o b\u1ea3o v\u1ec7\u201d s\u1ed1 ti\u1ec1n c\u1ee7a b\u1ea1n<\/h3>\n

    Tr\u1ea3i qua 2 b\u01b0\u1edbc tr\u00ean c\u0169ng \u0111\u00e3 l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh n\u1ed7 l\u1ef1c, tuy nhi\u00ean, \u0111\u1ebfn b\u01b0\u1edbc n\u00e0y b\u1ea1n c\u00f2n ph\u1ea3i bi\u1ebft b\u1ea3o v\u1ec7 s\u1ed1 ti\u1ec1n m\u00e0 m\u00ecnh \u0111\u00e3 g\u1ea7y c\u00f4ng ki\u1ebfm ra v\u00e0 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c. \u0110i\u1ec3n h\u00ecnh cho nh\u1eefng c\u1ea1m b\u1eaby: d\u1ef1 \u00e1n \u0111\u1ea7u t\u01b0 cam k\u1ebft t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn qu\u00e1 cao, ho\u1eb7c \u0111\u00e2m \u0111\u1ea7u v\u00e0o nh\u1eefng d\u1ef1 \u00e1n v\u1edbi l\u1eddi cam k\u1ebft phi l\u00fd.<\/p>\n

    \"Qu\u1ea3n<\/i><\/p>\n

    Qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>, h\u00e3y l\u01b0u \u00fd th\u00eam b\u1ea3o v\u1ec7 ti\u1ec1n \u0111\u1ec3 kh\u00f4ng b\u1ecb m\u1ea5t v\u00ec d\u00f9ng \u0111\u00f2n b\u1ea9y n\u1ee3 qu\u00e1 cao. V\u00ed d\u1ee5 nh\u01b0: n\u1ebfu m\u1ed9t ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp 50 tri\u1ec7u, chi ti\u00eau h\u1ebft c\u00e1c nhu c\u1ea7u kh\u00e1c l\u00e0 10 tri\u1ec7u, ti\u1ebft ki\u1ec7m t\u00e0i ch\u00ednh l\u00e0 20 tri\u1ec7u c\u00f2n l\u1ea1i \u0111\u1ebfn 20 tri\u1ec7u th\u00ec quy\u1ebft \u0111\u1ecbnh mua nh\u00e0 tr\u1ea3 g\u00f3p h\u00e0ng th\u00e1ng. \u0110i\u1ec1u n\u00e0y c\u00f3 h\u01a1i r\u1ee7i ro n\u1ebfu d\u00f9ng h\u1ebft 20 tri\u1ec7u \u0111\u00f3 \u0111\u1ec3 tr\u1ea3 g\u00f3p, v\u00ec c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ebd t\u0103ng, trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra l\u1ea1m ph\u00e1t, c\u0169ng nh\u01b0 b\u1ecb gi\u1ea3m thu nh\u1eadp khi x\u1ea3y ra nh\u1eefng r\u1ee7i ro ki\u1ec3u nh\u01b0 Covid. L\u00fac n\u00e0y ch\u00fang ta s\u1ebd d\u00f9ng th\u00eam ph\u1ea7n ti\u1ebft ki\u1ec7m \u0111\u1ec3 b\u00f9 v\u00e0o. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y h\u00e3y c\u1ed1 g\u1eafng ngay t\u1eeb \u0111\u1ea7u kho\u1ea3ng ti\u1ec1n g\u00f3p nh\u00e0 t\u1ea7m 10-15 tri\u1ec7u \u0111\u1ec3 5 tri\u1ec7u ph\u00f2ng \u201ctr\u01b0\u1ee3t gi\u00e1\u201d.<\/p>\n

    B\u01b0\u1edbc 4 trong qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n : H\u1ecdc v\u1ec1 b\u00e0i to\u00e1n \u0111\u1ea7u t\u01b0<\/h3>\n

    B\u01b0\u1edbc cu\u1ed1i c\u00f9ng trong\u00a0qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>\u00a0l\u00e0 bi\u1ebft c\u00e1ch \u0111\u1ea7u t\u01b0. \u0110\u1ec3 th\u1ef1c hi\u1ec7n b\u01b0\u1edbc n\u00e0y, b\u1ea1n c\u1ea7n x\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh ph\u1ee5 thu\u1ed9c v\u00e0o 3 y\u1ebfu t\u1ed1:<\/p>\n

      \n
    1. Ngu\u1ed3n ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c t\u1eeb th\u00e1ng, t\u1eeb qu\u00fd, t\u1eeb n\u0103m<\/li>\n
    2. Th\u1eddi gian th\u1ef1c hi\u1ec7n<\/li>\n
    3. T\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn<\/li>\n<\/ol>\n

      K\u1ebft lu\u1eadn:<\/p>\n

      Th\u00f4ng th\u01b0\u1eddng \u0111\u1ebfn giai \u0111o\u1ea1n n\u00e0y, ch\u00fang ta s\u1ebd m\u1ea5t kh\u00e1 nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 nghi\u00ean c\u1ee9u l\u00e0m th\u1ebf n\u00e0o \u0111\u1ea7u t\u01b0, \u0111\u1ea7u t\u01b0 nh\u01b0 th\u1ebf n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 ngu\u1ed3n l\u1ef1c hi\u1ec7n t\u1ea1i. C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u1edbi \u0111\u1ed9i ng\u0169 chuy\u00ean gia c\u00f3 kinh nghi\u1ec7m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh l\u00e2u n\u0103m s\u1ebd h\u1ed7 tr\u1ee3 c\u00e1c b\u1ea1n chi ti\u1ebft k\u1ebf ho\u1ea1ch.<\/p>\n","protected":false},"excerpt":{"rendered":"

      T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec? \u201cT\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n ho\u1eb7c c\u1ee7a m\u1ed9t gia \u0111\u00ecnh th\u1ef1c hi\u1ec7n nh\u1eb1m l\u1eadp ng\u00e2n s\u00e1ch, l\u00ean k\u1ebf ho\u1ea1ch chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m c\u00e1c ngu\u1ed3n ti\u1ec1n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. Trong \u0111\u00f3 c\u00f3 t\u00ednh […]<\/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\/4839"}],"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=4839"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/4839\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=4839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=4839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=4839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}