{"id":70856,"date":"2024-03-19T13:48:02","date_gmt":"2024-03-19T06:48:02","guid":{"rendered":"https:\/\/masterskills.org\/blog\/5-loi-khuyen-giup-ban-can-bang-giua-viec-chi-tieu-va-tiet-kiem.html"},"modified":"2024-03-19T13:48:02","modified_gmt":"2024-03-19T06:48:02","slug":"5-loi-khuyen-giup-ban-can-bang-giua-viec-chi-tieu-va-tiet-kiem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/5-loi-khuyen-giup-ban-can-bang-giua-viec-chi-tieu-va-tiet-kiem.html","title":{"rendered":"5 l\u1eddi khuy\u00ean gi\u00fap b\u1ea1n c\u00e2n b\u1eb1ng gi\u1eefa vi\u1ec7c chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m"},"content":{"rendered":"
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B\u1ea1n c\u00f3 bao gi\u1edd b\u1ecb m\u1eafc k\u1eb9t gi\u1eefa hai lu\u1ed3ng suy ngh\u0129 <\/span>\u201cM\u00ecnh c\u1ea7n ph\u1ea3i ti\u1ebft ki\u1ec7m ti\u1ec1n!\u201d <\/span><\/i>v\u00e0 <\/span>\u201cNh\u01b0ng m\u00ecnh ch\u1ec9 s\u1ed1ng m\u1ed9t l\u1ea7n trong \u0111\u1eddi, m\u00ecnh n\u00ean chi ti\u00eau cho nh\u1eefng th\u1ee9 m\u00ecnh th\u00edch<\/span><\/i>\u201d ch\u01b0a? N\u1ebfu c\u00f3, \u0111\u1eebng v\u1ed9i lo l\u1eafng v\u00ec h\u1ea7u h\u1ebft ai trong ch\u00fang ta c\u0169ng t\u1eebng nh\u01b0 v\u1eady. B\u1edfi l\u1ebd, m\u1ed7i ch\u00fang ta \u0111\u1ec1u \u0111ang c\u1ed1 g\u1eafng s\u1ed1ng m\u1ed9t cu\u1ed9c \u0111\u1eddi t\u1ed1t nh\u1ea5t. V\u00e0 \u0111\u00f4i khi, \u201cm\u1ed9t cu\u1ed9c \u0111\u1eddi t\u1ed1t nh\u1ea5t\u201d c\u00f3 ngh\u0129a l\u00e0 d\u00f9ng b\u1eefa t\u1ea1i m\u1ed9t nh\u00e0 h\u00e0ng sang tr\u1ecdng, s\u1edf h\u1eefu lo\u1ea1i serum d\u01b0\u1ee1ng da \u0111\u1eaft ti\u1ec1n ho\u1eb7c t\u1ef1 th\u01b0\u1edfng cho b\u1ea3n th\u00e2n m\u1ed9t chuy\u1ebfn du l\u1ecbch \u0111\u1ebfn tr\u1eddi \u00c2u\u2026\u00a0<\/span><\/p>\n

Qu\u1ea3 th\u1eadt, kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn gi\u00e1 tr\u1ecb c\u1ee7a nh\u1eefng ho\u1ea1t \u0111\u1ed9ng tr\u00ean \u0111\u1ed1i v\u1edbi \u0111\u1eddi s\u1ed1ng tinh th\u1ea7n c\u1ee7a ch\u00fang ta. Tuy nhi\u00ean, n\u1ebfu n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh ch\u01b0a \u1ed5n \u0111\u1ecbnh, vi\u1ec7c t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng theo c\u00e1ch n\u00e0y c\u00f3 th\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n.\u00a0<\/span>V\u00ec l\u1ebd \u0111\u00f3, \u0111\u1ea3m b\u1ea3o c\u00e2n b\u1eb1ng gi\u1eefa vi\u1ec7c chi ti\u00eau cho hi\u1ec7n t\u1ea1i v\u00e0 ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai r\u1ea5t quan tr\u1ecdng. Theo Robin Growley \u2013 Gi\u00e1m \u0111\u1ed1c B\u1ed9 ph\u1eadn T\u1ed5ng huy \u0111\u1ed9ng kh\u00e1ch h\u00e0ng (Head of Consumer Deposits) t\u1ea1i Ng\u00e2n h\u00e0ng Hoa K\u1ef3 (Bank of America), s\u1edf h\u1eefu m\u1ed9t qu\u1ef9 t\u00e0i ch\u00ednh l\u00e0 b\u00ed quy\u1ebft \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau tr\u00ean. B\u00e0 cho r\u1eb1ng, qu\u1ef9 t\u00e0i ch\u00ednh s\u1ebd gi\u00fap m\u1ed7i ng\u01b0\u1eddi n\u1eafm r\u00f5 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n \u0111\u1ec3 qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng hi\u1ec7u qu\u1ea3. Tuy nhi\u00ean, \u0111\u00e2y l\u1ea1i l\u00e0 m\u1ed9t \u201cnhi\u1ec7m v\u1ee5\u201d kh\u00f4ng m\u1ea5y d\u1ec5 d\u00e0ng. Sau \u0111\u00e2y l\u00e0 5 l\u1eddi khuy\u00ean gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng qu\u1ef9 t\u00e0i ch\u00ednh \u0111\u1ec3 c\u00e2n b\u1eb1ng chi gi\u1eefa vi\u1ec7c chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m.\u00a0<\/span><\/p>\n

Ch\u1ecdn ph\u01b0\u01a1ng ph\u00e1p l\u1eadp qu\u1ef9 t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p\u00a0<\/b><\/h2>\n
\"s\u1ed5<\/p>\n

\u1ea2nh: Pexels\/Olia Danilevich<\/p>\n<\/div>\n

Qu\u1ef9 t\u00e0i ch\u00ednh l\u00e0 c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 b\u1ea1n theo d\u00f5i t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, c\u00e1c kho\u1ea3n thu, chi, ti\u1ebft ki\u1ec7m h\u00e0ng th\u00e1ng. C\u00f3 kh\u00e1 nhi\u1ec1u ph\u01b0\u01a1ng ph\u00e1p l\u1eadp qu\u1ef9, nh\u01b0ng ph\u01b0\u01a1ng ph\u00e1p t\u1ed1t nh\u1ea5t ph\u1ea3i l\u00e0 ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi phong c\u00e1ch, l\u1ed1i s\u1ed1ng c\u1ee7a b\u1ea1n. Sau \u0111\u00e2y l\u00e0 3 ph\u01b0\u01a1ng ph\u00e1p ph\u1ed5 bi\u1ebfn b\u1ea1n c\u00f3 th\u1ec3 th\u1eed \u00e1p d\u1ee5ng:\u00a0<\/span><\/p>\n

D\u00f9ng b\u1ea3ng t\u00ednh<\/b><\/h3>\n

S\u1eed d\u1ee5ng b\u1ea3ng t\u00ednh tr\u00ean Microsoft Excel hay Google Sheet l\u00e0 m\u1ed9t c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 theo d\u00f5i c\u00e1c kho\u1ea3n ti\u1ec1n c\u1ee7a b\u1ea1n kh\u00e1 ti\u1ec7n l\u1ee3i. \u0110\u1ec3 b\u1eaft \u0111\u1ea7u, b\u1ea1n ch\u1ec9 c\u1ea7n t\u00ecm ki\u1ebfm m\u1ed9t m\u1eabu b\u1ea3ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh tr\u00ean Google, t\u1ea3i v\u1ec1 v\u00e0 t\u00f9y ch\u1ec9nh theo s\u1edf th\u00edch. C\u00e1ch l\u00e0m n\u00e0y \u0111\u01b0\u1ee3c kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn v\u00ec t\u00ednh nhanh ch\u00f3ng, t\u1ef1 \u0111\u1ed9ng c\u1ee7a n\u00f3 \u2013 b\u1ea1n ch\u1ec9 c\u1ea7n nh\u1eadp c\u00e1c con s\u1ed1 c\u1ea7n thi\u1ebft v\u00e0o b\u1ea3ng v\u00e0 nh\u1eefng h\u00e0m t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp s\u1eb5n s\u1ebd gi\u00fap b\u1ea1n x\u1eed l\u00fd ph\u1ea7n c\u00f2n l\u1ea1i.\u00a0<\/span><\/p>\n

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Vi\u1ebft tay<\/b><\/h3>\n

N\u1ebfu kh\u00f4ng th\u00edch l\u00e0m vi\u1ec7c tr\u00ean m\u00e1y t\u00ednh hay \u0111i\u1ec7n tho\u1ea1i, h\u00e3y th\u1eed qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n b\u1eb1ng c\u00e1ch truy\u1ec1n th\u1ed1ng. Theo \u0111\u00f3, b\u1ea1n s\u1ebd th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng vi\u1ec7c t\u00ednh to\u00e1n, ki\u1ec3m tra ng\u00e2n s\u00e1ch ho\u00e0n to\u00e0n tr\u00ean gi\u1ea5y. Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng gi\u00fap b\u1ea1n ph\u00f2ng tr\u00e1nh nguy c\u01a1 th\u1ea5t l\u1ea1c d\u1eef li\u1ec7u, \u0111\u1ed3ng th\u1eddi r\u00e8n luy\u1ec7n t\u00ednh ki\u00ean nh\u1eabn, t\u1ec9 m\u1ec9.\u00a0<\/span><\/p>\n

\"ti\u1ec1n<\/p>\n

\u1ea2nh: Pexels\/Karolina Grabowska<\/p>\n<\/div>\n

S\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng<\/b><\/h3>\n

Ch\u00fang ta \u0111ang s\u1ed1ng trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 cao \u2013 n\u01a1i b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm \u0111\u1ebfn c\u00e1c \u1ee9ng d\u1ee5ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 th\u1ef1c hi\u1ec7n m\u1ed9t c\u00f4ng vi\u1ec7c n\u00e0o \u0111\u00f3. Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u0169ng kh\u00f4ng ngo\u1ea1i l\u1ec7. Hi\u1ec7n nay, c\u00f3 kh\u00e1 nhi\u1ec1u \u1ee9ng d\u1ee5ng gi\u00fap b\u1ea1n l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3. Ch\u1ec9 c\u1ea7n g\u00f5 t\u1eeb kh\u00f3a \u1ee9ng d\u1ee5ng b\u1ea1n mong mu\u1ed1n tr\u00ean App Store v\u00e0 Google Play nh\u01b0 \u201cti\u1ebft ki\u1ec7m\u201d, \u201cchi ti\u00eau\u201d, m\u1ed9t lo\u1ea1t \u1ee9ng d\u1ee5ng li\u00ean quan s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o c\u00e1c \u0111\u00e1nh gi\u00e1 t\u1eeb m\u1ed9t s\u1ed1 ng\u01b0\u1eddi d\u00f9ng tr\u01b0\u1edbc \u0111\u00e2y.\u00a0<\/span><\/p>\n

\u0110\u1eb7t m\u1ee5c ti\u00eau chi ti\u00eau \u2013 ti\u1ebft ki\u1ec7m r\u00f5 r\u00e0ng<\/b><\/h2>\n

Nh\u1eefng cu\u1ed9c vui ch\u01a1i c\u00f9ng \u0111\u1ed3ng nghi\u1ec7p hay nh\u1eefng chuy\u1ebfn du l\u1ecbch c\u00f9ng h\u1ed9i b\u1ea1n th\u00e2n \u2013 t\u1ea5t c\u1ea3 \u0111\u1ec1u g\u00f3p ph\u1ea7n gia t\u0103ng ti\u00eau s\u1ea3n. Song, vi\u1ec7c n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n ph\u1ea3i t\u1eeb b\u1ecf nh\u1eefng \u0111i\u1ec1u tr\u00ean ch\u1ec9 \u0111\u1ec3 ti\u1ebft ki\u1ec7m b\u1edfi v\u00ec nh\u1eefng cu\u1ed9c h\u1ed9i h\u1ecdp, vui ch\u01a1i \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a c\u1ee7ng c\u1ed1 c\u00e1c m\u1ed1i quan h\u1ec7 v\u00e0 gi\u1ea3i t\u1ecfa tinh th\u1ea7n. Thay v\u00e0o \u0111\u00f3, b\u1ea1n c\u1ea7n \u0111\u1ea3m b\u1ea3o kh\u00f4ng chi qu\u00e1 nhi\u1ec1u v\u00e0o danh m\u1ee5c n\u00e0y. M\u1ed9t c\u00e1ch ph\u00e2n b\u1ed5 chi ti\u00eau h\u1ee3p l\u00fd l\u00e0 \u00e1p d\u1ee5ng quy t\u1eafc 50\/30\/20, trong \u0111\u00f3: 50% ng\u00e2n s\u00e1ch d\u00e0nh cho chi ph\u00ed sinh ho\u1ea1t c\u01a1 b\u1ea3n, 30% d\u00e0nh cho nhu c\u1ea7u, mong mu\u1ed1n c\u00e1 nh\u00e2n v\u00e0 20% \u0111\u1ec3 ti\u1ebft ki\u1ec7m.<\/span><\/p>\n

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Xem th\u00eam<\/strong><\/em><\/p>\n

\u2022\u00a0\u0110\u00e2u l\u00e0 c\u00e1ch c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u1ee7a 12 cung ho\u00e0ng \u0111\u1ea1o?<\/p>\n

\u2022\u00a0B\u1eadt m\u00ed nh\u1eefng th\u00f3i quen chi ti\u00eau gi\u00fap b\u1ea1n \u1ed5n \u0111\u1ecbnh t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh<\/p>\n

\u2022\u00a06 c\u00e1ch gi\u00fap b\u1ea1n chi ti\u00eau hi\u1ec7u qu\u1ea3 \u1edf \u0111\u1ed9 tu\u1ed5i 20<\/p>\n

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Tuy nhi\u00ean, n\u1ebfu nh\u1eefng chi ph\u00ed nh\u01b0 ti\u1ec1n thu\u00ea nh\u00e0, mua xe v\u00e0 nhu y\u1ebfu ph\u1ea9m c\u1ee7a b\u1ea1n t\u01b0\u01a1ng \u0111\u1ed1i cao, b\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 nhi\u1ec1u h\u01a1n cho danh m\u1ee5c n\u00e0y. Th\u1eadm ch\u00ed, n\u1ebfu t\u1ef7 l\u1ec7 chi ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 70\/20\/10, \u0111\u1eebng qu\u00e1 c\u0103ng th\u1eb3ng v\u00ec \u00edt nh\u1ea5t b\u1ea1n \u0111\u00e3 c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch chi ti\u00eau \u2013 ti\u1ebft ki\u1ec7m r\u00f5 r\u00e0ng. Thay v\u00ec kh\u1ed5 s\u1edf t\u00ecm c\u00e1ch chi ti\u00eau d\u00e8 s\u1ebbn, b\u1ea1n n\u00ean t\u00ecm c\u00e1ch gia t\u0103ng thu nh\u1eadp v\u00e0 ti\u1ebfp t\u1ee5c tu\u00e2n th\u1ee7 theo c\u00e1c t\u1ef7 l\u1ec7 \u0111\u00e3 \u0111\u1ec1 ra. Khi \u0111\u00e3 c\u00f3 thu nh\u1eadp \u1ed5n \u0111\u1ecbnh h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, b\u1ea1n c\u00f3 th\u1ec3 tho\u1ea3i m\u00e1i h\u01a1n trong vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh s\u1ed1 ph\u1ea7n tr\u0103m ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u chi ti\u00eau nh\u01b0ng v\u1eabn \u0111\u00f3ng g\u00f3p v\u00e0o kho\u1ea3n ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch ph\u00f9 h\u1ee3p.\u00a0<\/span><\/p>\n

\"m\u1ed9t<\/p>\n

\u1ea2nh: Pexels\/Karolina Grabowska<\/p>\n<\/div>\n

Thay \u0111\u1ed5i m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m \u0111\u1ec3 chi tr\u1ea3 c\u00e1c kho\u1ea3n vay, kho\u1ea3n n\u1ee3<\/b><\/h2>\n

N\u1ebfu b\u1ea1n \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng kho\u1ea3n vay, kho\u1ea3n n\u1ee3, n\u1ed7 l\u1ef1c ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh \u201cc\u00f4ng d\u00e3 tr\u00e0ng\u201d. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, thay v\u00ec d\u00e0nh 10-20% ng\u00e2n s\u00e1ch h\u00e0ng th\u00e1ng \u0111\u1ec3 ti\u1ebft ki\u1ec7m, b\u1ea1n n\u00ean d\u00e0nh m\u1ed9t ph\u1ea7n s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 tr\u1ea3 c\u00e1c kho\u1ea3n vay, kho\u1ea3n n\u1ee3 v\u00e0 d\u00e0nh m\u1ed9t ph\u1ea7n nh\u1ecf h\u01a1n \u0111\u1ec3 ti\u1ebft ki\u1ec7m. Th\u1eddi \u0111i\u1ec3m ho\u00e0n t\u1ea5t vi\u1ec7c chi tr\u1ea3 v\u00e0 thu nh\u1eadp t\u0103ng l\u00ean, b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u n\u00e2ng s\u1ed1 ti\u1ec1n \u0111\u00f3ng g\u00f3p v\u00e0o qu\u1ef9 ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh.<\/span><\/p>\n

C\u00f3 s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh ph\u00f9 h\u1ee3p<\/b><\/h2>\n

Th\u00f4ng th\u01b0\u1eddng, thu nh\u1eadp l\u1eabn chi ti\u00eau c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng c\u1ed1 \u0111\u1ecbnh v\u00e0 lu\u00f4n c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i. Do \u0111\u00f3, b\u1ea1n n\u00ean ki\u1ec3m tra \u0111\u1ecbnh k\u1ef3, xem x\u00e9t l\u1ea1i qu\u1ef9 t\u00e0i ch\u00ednh \u0111\u1ec3 k\u1ecbp th\u1eddi d\u1ef1 tr\u00f9 cho nh\u1eefng kho\u1ea3n chi qu\u00e1 l\u1edbn c\u00f3 kh\u1ea3 n\u0103ng ph\u00e1t sinh. Th\u00eam v\u00e0o \u0111\u00f3, \u0111\u1eebng qu\u00ean th\u1ef1c hi\u1ec7n nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh c\u1ea7n thi\u1ebft n\u1ebfu nh\u1eadn th\u1ea5y b\u1ea5t k\u1ef3 d\u1ea5u hi\u1ec7u \u0111\u00e1ng b\u00e1o \u0111\u1ed9ng n\u00e0o v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n.<\/span><\/p>\n

Tham gia \u0111\u1ea7u t\u01b0\u00a0<\/b><\/h2>\n
\"m\u1ed9t<\/p>\n

\u1ea2nh: Unsplash\/Jakub Zerdzicki<\/p>\n<\/div>\n

Khi \u0111\u00e3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n ti\u1ec1n t\u01b0\u01a1ng \u0111\u1ed1i, h\u00e3y th\u1eed b\u1eaft \u0111\u1ea7u l\u00e0m gi\u00e0u b\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0. Tr\u00e1i v\u1edbi l\u1ea7m t\u01b0\u1edfng c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi r\u1eb1ng \u0111\u00e2y l\u00e0 l\u0129nh v\u1ef1c ch\u1ec9 d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi v\u1eefng v\u00e0ng v\u1ec1 t\u00e0i ch\u00ednh, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7u t\u01b0 v\u1edbi ng\u00e2n s\u00e1ch kho\u1ea3ng v\u00e0i tri\u1ec7u \u0111\u1ed3ng.\u00a0<\/span>Ngo\u00e0i ra, \u0111\u1eebng \u0111\u1ec3 n\u1ed7i lo ch\u01b0a \u0111\u1ee7 ki\u1ebfn th\u1ee9c v\u1ec1 \u0111\u1ea7u t\u01b0 ng\u0103n c\u1ea3n b\u1ea1n b\u1eaft \u0111\u1ea7u. Hi\u1ec7n nay, c\u00f3 r\u1ea5t nhi\u1ec1u t\u00e0i li\u1ec7u hay c\u00f4ng c\u1ee5 gi\u00fap b\u1ea1n t\u1ef1 h\u1ecdc h\u1ecfi, trau d\u1ed3i. Tuy nhi\u00ean, v\u00ec l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 v\u1ed1n t\u1ed3n t\u1ea1i nhi\u1ec1u r\u1ee7i ro, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng tr\u01b0\u1edbc khi ra quy\u1ebft \u0111\u1ecbnh v\u00e0 d\u00f9ng ri\u00eang m\u1ed9t kho\u1ea3n ti\u1ec1n cho m\u1ee5c \u0111\u00edch \u0111\u1ea7u t\u01b0 thay v\u00ec l\u1ea5y ngu\u1ed3n ti\u1ec1n kh\u00e1c \u0111\u1eafp v\u00e0o \u201cv\u00f4 t\u1ed9i v\u1ea1\u201d \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n.\u00a0<\/span><\/p>\n

Chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m t\u01b0\u1edfng ch\u1eebng l\u00e0 hai nhu c\u1ea7u ho\u00e0n to\u00e0n \u0111\u1ed1i l\u1eadp nhau. Tuy nhi\u00ean, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 c\u00e2n b\u1eb1ng ch\u00fang b\u1eb1ng c\u00e1ch ch\u1ee7 ch\u1ee7 \u0111\u1ed9ng l\u1eadp v\u00e0 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n. Hy v\u1ecdng nh\u1eefng l\u1eddi khuy\u00ean tr\u00ean s\u1ebd gi\u00fap b\u1ea1n chinh ph\u1ee5c nhi\u1ec7m v\u1ee5 n\u00e0y v\u00e0 \u0111\u1ea3m b\u1ea3o s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n nh\u00e9!<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chi tr\u1ea3 cho nh\u1eefng mong mu\u1ed1n, nhu c\u1ea7u \u1edf hi\u1ec7n t\u1ea1i nh\u01b0ng v\u1eabn ti\u1ebft ki\u1ec7m cho cu\u1ed9c s\u1ed1ng trong t\u01b0\u01a1ng lai? N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm c\u00e2u tr\u1ea3 l\u1eddi cho b\u00e0i to\u00e1n h\u00f3c b\u00faa tr\u00ean, h\u00e3y tham kh\u1ea3o 5 l\u1eddi khuy\u00ean gi\u00fap b\u1ea1n c\u00e2n b\u1eb1ng gi\u1eefa vi\u1ec7c chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m sau \u0111\u00e2y. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[427],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/70856"}],"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=70856"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/70856\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=70856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=70856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=70856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}