{"id":71310,"date":"2024-05-02T13:47:58","date_gmt":"2024-05-02T06:47:58","guid":{"rendered":"https:\/\/masterskills.org\/blog\/5-chien-luoc-tiet-kiem-giup-ban-tranh-tinh-trang-rong-tui-giua-thang.html"},"modified":"2024-05-02T13:47:58","modified_gmt":"2024-05-02T06:47:58","slug":"5-chien-luoc-tiet-kiem-giup-ban-tranh-tinh-trang-rong-tui-giua-thang","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/5-chien-luoc-tiet-kiem-giup-ban-tranh-tinh-trang-rong-tui-giua-thang.html","title":{"rendered":"5 chi\u1ebfn l\u01b0\u1ee3c ti\u1ebft ki\u1ec7m gi\u00fap b\u1ea1n tr\u00e1nh t\u00ecnh tr\u1ea1ng \u201cr\u1ed7ng t\u00fai\u201d gi\u1eefa th\u00e1ng"},"content":{"rendered":"
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Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng thi\u1ebft y\u1ebfu n\u1ebfu b\u1ea1n mu\u1ed1n thi\u1ebft l\u1eadp kho\u1ea3n chi ph\u00ed \u1ed5n \u0111\u1ecbnh cho nh\u1eefng m\u1ee5c ti\u00eau l\u00e2u d\u00e0i v\u00e0 tr\u00e1nh \u0111\u1ec3 b\u1ea3n th\u00e2n r\u01a1i v\u00e0o tr\u1ea1ng th\u00e1i \u201ckh\u00f4ng m\u1ed9t xu d\u00ednh t\u00fai\u201d. H\u00e3y c\u00f9ng Masterskills t\u00ecm hi\u1ec3u 5 chi\u1ebfn l\u01b0\u1ee3c ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u00e9!<\/span><\/p>\n

1. L\u1eadp k\u1ebf ho\u1ea1ch chi ti\u00eau<\/b><\/h2>\n

S\u1ebd th\u1eadt kh\u00f3 x\u1eed n\u1ebfu b\u1ea1n chi ti\u00eau kh\u00f4ng ki\u1ec3m so\u00e1t v\u00e0 ph\u1ea3i s\u1ed1ng trong c\u1ea3nh \u201cth\u1eaft l\u01b0ng bu\u1ed9c b\u1ee5ng\u201d khi ch\u01b0a \u0111\u1ebfn g\u1ea7n k\u1ef3 nh\u1eadn l\u01b0\u01a1ng. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c cho l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c b\u1ea1n kh\u00f4ng qu\u1ea3n l\u00fd t\u1ed1t ngu\u1ed3n ti\u1ec1n c\u00e1 nh\u00e2n v\u00e0 ti\u00eau x\u00e0i m\u1ed9t c\u00e1ch b\u1ed1c \u0111\u1ed3ng.\u00a0<\/span><\/p>\n

\u0110\u1ec3 kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng n\u00e0y, b\u1ea1n n\u00ean ghi ch\u00e9p l\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n chi ti\u00eau trong th\u00e1ng xu\u1ed1ng m\u1ed9t cu\u1ed1n s\u1ed5 tay, t\u1eeb nh\u1eefng kho\u1ea3n l\u1edbn nh\u01b0 chi ph\u00ed sinh ho\u1ea1t h\u1eb1ng ng\u00e0y \u0111\u1ebfn\u00a0 nh\u1eefng chi ti\u00eau l\u1eb7t v\u1eb7t. Qua \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng ph\u00e2n lo\u1ea1i ch\u00fang th\u00e0nh c\u00e1c nh\u00f3m nh\u01b0: nhu c\u1ea7u thi\u1ebft y\u1ebfu, s\u1edf th\u00edch c\u00e1 nh\u00e2n v\u00e0 kho\u1ea3n ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0. Vi\u1ec7c l\u1eadp ra k\u1ebf ho\u1ea1ch chi ti\u00eau s\u1ebd gi\u00fap b\u1ea1n n\u1eafm b\u1eaft r\u00f5 r\u00e0ng v\u1ec1 nh\u1eefng kho\u1ea3n chi h\u1eb1ng th\u00e1ng v\u00e0 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 kho\u1ea3n chi ti\u00eau th\u1ef1c s\u1ef1 gi\u00fap \u00edch cho b\u1ea1n.\u00a0<\/span><\/p>\n

\"l\u1eadp<\/p>\n

\u1ea2nh: Pexels\/Mikhail Nilov<\/p>\n<\/div>\n

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2. \u00c1p d\u1ee5ng quy t\u1eafc 50\/30\/20\u00a0<\/b><\/h2>\n

\u0110\u00e2y l\u00e0 m\u1ed9t quy t\u1eafc \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong quy\u1ec3n s\u00e1ch <\/span>All your worth: The ultimate lifetime money plan <\/span><\/i>\u0111\u01b0\u1ee3c vi\u1ebft b\u1edfi th\u01b0\u1ee3ng ngh\u1ecb s\u0129 Elizabeth Warren v\u00e0o n\u0103m 2005. Trong quy t\u1eafc n\u00e0y, b\u1ea1n s\u1ebd chia thu nh\u1eadp c\u1ee7a m\u00ecnh th\u00e0nh 3 ph\u1ea7n: 50%<\/span>cho nhu c\u1ea7u thi\u1ebft y\u1ebfu (ti\u1ec1n nh\u00e0, ti\u1ec1n \u0103n, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc, chi ph\u00ed \u0111i l\u1ea1i), 30% cho s\u1edf th\u00edch c\u00e1 nh\u00e2n nh\u01b0 mua s\u1eafm, gi\u1ea3i tr\u00ed v\u00e0 20% c\u00f2n l\u1ea1i \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0. Quy t\u1eafc n\u00e0y kh\u00e1 \u0111\u01a1n gi\u1ea3n v\u00e0 c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n c\u00e2n b\u1eb1ng gi\u1eefa chi ti\u00eau v\u1edbi ti\u1ebft ki\u1ec7m v\u00e0 d\u1ec5 d\u00e0ng <\/span>qu\u1ea3n l\u00fd<\/span> ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n.\u00a0<\/span><\/p>\n

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Xem th\u00eam<\/i><\/b><\/p>\n

\u2022 7 c\u00e1ch gi\u00fap b\u1ea1n l\u1ea5y l\u1ea1i h\u1ee9ng kh\u1edfi trong c\u00f4ng vi\u1ec7c<\/span><\/p>\n

\u2022 9 th\u00f3i quen gi\u00fap b\u1ea1n b\u1eaft \u0111\u1ea7u ng\u00e0y m\u1edbi v\u1edbi n\u0103ng l\u01b0\u1ee3ng t\u00edch c\u1ef1c\u00a0<\/span><\/p>\n

\u2022 4 l\u1ea7m t\u01b0\u1edfng ph\u1ed5 bi\u1ebfn v\u1ec1 nh\u1eefng ng\u01b0\u1eddi \u0111\u1ed9c th\u00e2n\u00a0<\/span><\/p>\n

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3. D\u00e0nh 24h \u0111\u1ec3 suy ngh\u0129 tr\u01b0\u1edbc khi mua\u00a0<\/b><\/h2>\n

B\u1ea1n \u0111\u00e3 bao gi\u1edd c\u00f3 nh\u1eefng gi\u00e2y ph\u00fat ch\u1ed1t \u0111\u01a1n \u201dtrong m\u1ed9t n\u1ed1t nh\u1ea1c\u201d khi l\u01b0\u1edbt c\u00e1c s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, d\u00f9 bi\u1ebft r\u1eb1ng nh\u1eefng s\u1ea3n ph\u1ea9m n\u00e0y kh\u00f4ng th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft v\u1edbi b\u1ea3n th\u00e2n? <\/span>\u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c l\u00fd gi\u1ea3i r\u1eb1ng con ng\u01b0\u1eddi c\u00f3 khuynh h\u01b0\u1edbng chi ra m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn \u0111\u1ec3 th\u1ecfa m\u00e3n c\u1ea3m x\u00fac nh\u1ea5t th\u1eddi c\u1ee7a b\u1ea3n th\u00e2n ho\u1eb7c ch\u1ea1y theo xu h\u01b0\u1edbng. <\/span>S\u1ef1 th\u1eadt l\u00e0, th\u00f3i quen chi ti\u00eau ng\u1eabu h\u1ee9ng n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn ngu\u1ed3n ti\u1ec1n c\u1ee7a b\u1ea1n \u201ckh\u00f4ng c\u00e1nh m\u00e0 bay\u201d v\u00e0 g\u00e2y \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m c\u00e1 nh\u00e2n. Ch\u00ednh v\u00ec v\u1eady, tr\u01b0\u1edbc khi chi tr\u1ea3 cho m\u1ed9t m\u00f3n \u0111\u1ed3, b\u1ea1n n\u00ean d\u00e0nh 24h \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 xem li\u1ec7u b\u1ea1n c\u00f3 th\u1ef1c s\u1ef1 c\u1ea7n m\u00f3n h\u00e0ng n\u00e0y hay ch\u1ec9 mua th\u00eam \u0111\u1ec3 th\u1ecfa ham mu\u1ed1n nh\u1ea5t th\u1eddi. Ngo\u00e0i ra, 24h c\u0169ng l\u00e0 m\u1ed9t kho\u1ea3ng th\u1eddi gian \u0111\u1ee7 d\u00e0i \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng ti\u1ec1n cho c\u00e1c kho\u1ea3n chi th\u1ef1c t\u1ebf h\u01a1n.\u00a0<\/span><\/p>\n

\"c\u00f4<\/p>\n

\u1ea2nh: Pexels\/Vlada Karpovich<\/p>\n<\/div>\n

4. H\u1ea1n ch\u1ebf s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng<\/b><\/h2>\n

Xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t \u0111\u00e3 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n bao gi\u1edd h\u1ebft trong b\u1ed1i c\u1ea3nh ti\u00eau d\u00f9ng hi\u1ec7n nay. D\u00f9 th\u1ebb t\u00edn d\u1ee5ng gi\u00fap b\u1ea1n thanh to\u00e1n m\u1ed9t c\u00e1ch thu\u1eadn l\u1ee3i v\u1edbi nh\u1eefng t\u00ednh n\u0103ng hi\u1ec7n \u0111\u1ea1i, c\u00f3 h\u1ea1n m\u1ee9c th\u1ebb l\u1edbn c\u00f9ng \u01b0u \u0111\u00e3i h\u1ea5p d\u1eabn c\u1ee7a th\u1ebb s\u1ebd khi\u1ebfn b\u1ea1n d\u1ec5 \u201dvung tay qu\u00e1 tr\u00e1n\u201d v\u00e0 kh\u00f4ng th\u1ec3 ki\u1ec3m so\u00e1t ngu\u1ed3n ti\u1ec1n c\u1ee7a b\u1ea3n th\u00e2n. H\u00e3y l\u01b0u \u00fd c\u00e1ch t\u00ednh l\u00e3i c\u1ee7a c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng tr\u00ean th\u1ecb tr\u01b0\u1eddng, v\u00ec m\u1ed9t s\u1ed1 th\u1ebb c\u00f3 th\u1ec3 t\u00ednh l\u00e3i k\u00e9p c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i khi b\u1ea1n tr\u1ea3 ch\u1eadm ng\u00e0y \u0111\u00e1o h\u1ea1n, \u0111\u1ec3 r\u1ed3i b\u1ea1n t\u1ef1 \u0111\u01b0a m\u00ecnh r\u01a1i v\u00e0o b\u1eaby t\u00e0i ch\u00ednh v\u00e0 n\u1ee3 n\u1ea7n ch\u1ed3ng ch\u1ea5t. Ch\u00ednh v\u00ec v\u1eady, b\u1ea1n c\u1ea7n x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc s\u1ed1 ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 mua s\u1eafm v\u00e0 n\u00ean\u00a0 h\u1ea1n ch\u1ebf thanh to\u00e1n b\u1eb1ng h\u00ecnh th\u1ee9c tr\u1ea3 sau v\u00ec ngh\u0129 b\u1ea3n th\u00e2n c\u00f3 th\u1ec3 tr\u1ea3 \u0111\u1ee7 khi nh\u1eadn l\u01b0\u01a1ng.\u00a0<\/span><\/p>\n

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5. Ti\u1ebft ki\u1ec7m 10-15% s\u1ed1 ti\u1ec1n b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c m\u1ed7i th\u00e1ng\u00a0<\/b><\/h2>\n

Vi\u1ec7c d\u00e0nh ra m\u1ed9t kho\u1ea3n nh\u1ecf trong chi ti\u00eau ti\u1ebft ki\u1ec7m s\u1ebd gi\u00fap b\u1ea1n \u1ed5n \u0111\u1ecbnh <\/span>t\u00e0i ch\u00ednh<\/span> c\u00e1 nh\u00e2n v\u00e0 c\u00f3 m\u1ed9t s\u1ed1 ti\u1ec1n cho c\u00e1c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n. Tr\u1ea1ng th\u00e1i chi ti\u00eau thi\u1ebfu ki\u1ec3m so\u00e1t khi l\u01b0\u01a1ng v\u1ec1 ch\u1ec9 khi\u1ebfn b\u1ea1n d\u1ec5 g\u1eb7p r\u1ee7i ro v\u1ec1 t\u00e0i ch\u00ednh khi c\u00f3 v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh. B\u1ea1n n\u00ean kh\u1eafc ph\u1ee5c th\u00f3i quen chi ti\u00eau n\u00e0y v\u00ec l\u00e2u d\u1ea7n, l\u1ed1i s\u1ed1ng n\u00e0y s\u1ebd \u0103n m\u00f2n v\u00ed ti\u1ec1n c\u1ee7a b\u1ea1n v\u00e0 khi\u1ebfn b\u1ea1n ti\u00eau x\u00e0i hoang ph\u00ed h\u01a1n.\u00a0<\/span><\/p>\n

Theo khuy\u1ebfn c\u00e1o c\u1ee7a c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, m\u1ed7i ng\u01b0\u1eddi n\u00ean t\u1ef1 chu\u1ea9n b\u1ecb qu\u1ef9 d\u1ef1 ph\u00f2ng c\u00e1 nh\u00e2n ph\u00f2ng cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 x\u1ea3y ra. C\u00e1ch l\u00e0m v\u00f4 c\u00f9ng \u0111\u01a1n gi\u1ea3n, b\u1ea1n ch\u1ec9 c\u1ea7n tr\u00edch ra t\u1eeb 10-15% l\u01b0\u01a1ng h\u00e0ng th\u00e1ng v\u00e0 g\u1eedi ng\u00e2n h\u00e0ng hay t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ng\u1eafn h\u1ea1n, n\u01a1i b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ngay n\u1ebfu c\u1ea7n.\u00a0<\/span><\/p>\n

\"c\u00f4<\/p>\n

\u1ea2nh: Pexels\/Karolina Grabowska<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Robert Kiyosaki, t\u00e1c gi\u1ea3 c\u1ee7a cu\u1ed1n s\u00e1ch n\u1ed5i ti\u1ebfng \u201cCha gi\u00e0u \u2013 Cha ngh\u00e8o\u201d t\u1eebng \u0111\u01b0a ra nh\u1eadn \u0111\u1ecbnh: \u201cKh\u00f4ng quan tr\u1ecdng l\u00e0 b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c bao nhi\u00eau ti\u1ec1n, 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 ti\u1ec1n c\u00f3 th\u1ec3 sinh th\u00eam ti\u1ec1n\u201d. <\/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\/71310"}],"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=71310"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/71310\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=71310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=71310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=71310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}