{"id":101,"date":"2025-07-21T15:58:25","date_gmt":"2025-07-21T15:58:25","guid":{"rendered":"https:\/\/techsmoney.com\/?p=101"},"modified":"2025-07-21T15:58:25","modified_gmt":"2025-07-21T15:58:25","slug":"how-to-use-finance-apps-to-take-control-of-your-money","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-use-finance-apps-to-take-control-of-your-money\/","title":{"rendered":"C\u00e1ch s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh \u0111\u1ec3 ki\u1ec3m so\u00e1t ti\u1ec1n c\u1ee7a b\u1ea1n"},"content":{"rendered":"<p>Vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n tr\u01b0\u1edbc \u0111\u00e2y th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn s\u1ed5 tay, b\u1ea3ng t\u00ednh v\u00e0 r\u1ea5t nhi\u1ec1u ph\u1ecfng \u0111o\u00e1n. Ng\u00e0y nay, c\u00f4ng ngh\u1ec7 gi\u00fap vi\u1ec7c s\u1eafp x\u1ebfp, theo d\u00f5i chi ti\u00eau v\u00e0 th\u1eadm ch\u00ed \u0111\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n r\u1ea5t nhi\u1ec1u, t\u1ea5t c\u1ea3 ch\u1ec9 b\u1eb1ng thao t\u00e1c tr\u00ean m\u00e1y t\u00ednh.<\/p>\n\n\n\n<p>C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi hi\u1ec3u r\u00f5 v\u00e0 c\u1ea3i thi\u1ec7n th\u00f3i quen t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. D\u00f9 b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh hay \u0111ang c\u1ed1 g\u1eafng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c, nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y \u0111\u1ec1u c\u00f3 th\u1ec3 mang l\u1ea1i cho b\u1ea1n t\u1ea7m nh\u00ecn, c\u1ea5u tr\u00fac v\u00e0 \u0111\u1ed9ng l\u1ef1c.<\/p>\n\n\n\n<p>B\u00e0i vi\u1ebft n\u00e0y kh\u00e1m ph\u00e1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh, nh\u1eefng t\u00ednh n\u0103ng c\u1ea7n t\u00ecm v\u00e0 c\u00e1ch ch\u00fang c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u00e0 kh\u00f4ng c\u1ea7n cung c\u1ea5p l\u1eddi khuy\u00ean t\u00e0i ch\u00ednh ho\u1eb7c x\u00e1c nh\u1eadn s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p>\u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh l\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ho\u1eb7c m\u00e1y t\u00ednh \u0111\u1ec3 b\u00e0n cho ph\u00e9p b\u1ea1n <strong>qu\u1ea3n l\u00fd, theo d\u00f5i v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch<\/strong> T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n. Ch\u00fang c\u00f3 th\u1ec3 bao g\u1ed3m m\u1ed9t ho\u1eb7c nhi\u1ec1u ch\u1ee9c n\u0103ng sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u1eadp ng\u00e2n s\u00e1ch<\/li>\n\n\n\n<li>Theo d\u00f5i chi ph\u00ed<\/li>\n\n\n\n<li>Nh\u1eafc nh\u1edf h\u00f3a \u0111\u01a1n<\/li>\n\n\n\n<li>\u0110\u1eb7t m\u1ee5c ti\u00eau<\/li>\n\n\n\n<li>Gi\u00e1m s\u00e1t t\u00edn d\u1ee5ng<\/li>\n\n\n\n<li>T\u1ed5ng quan v\u1ec1 \u0111\u1ea7u t\u01b0<\/li>\n<\/ul>\n\n\n\n<p>M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng ho\u00e0n to\u00e0n mi\u1ec5n ph\u00ed, trong khi m\u1ed9t s\u1ed1 kh\u00e1c t\u00ednh ph\u00ed h\u00e0ng th\u00e1ng cho c\u00e1c t\u00ednh n\u0103ng cao c\u1ea5p.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u1ea1i sao n\u00ean s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh?<\/h2>\n\n\n\n<p>Hi\u1ec3u r\u00f5 ti\u1ec1n c\u1ee7a b\u1ea1n \u0111i v\u1ec1 \u0111\u00e2u l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 ki\u1ec3m so\u00e1t n\u00f3. C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh gi\u00fap ng\u01b0\u1eddi d\u00f9ng:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nh\u1eadn \u0111\u01b0\u1ee3c <strong>kh\u1ea3 n\u0103ng hi\u1ec3n th\u1ecb th\u1eddi gian th\u1ef1c<\/strong> v\u00e0o chi ti\u00eau<\/li>\n\n\n\n<li>X\u00e2y d\u1ef1ng v\u00e0 tu\u00e2n th\u1ee7 m\u1ed9t <strong>ng\u00e2n s\u00e1ch<\/strong><\/li>\n\n\n\n<li>Thi\u1ebft l\u1eadp v\u00e0 theo d\u00f5i <strong>m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/strong><\/li>\n\n\n\n<li>Nh\u1eadn c\u1ea3nh b\u00e1o \u0111\u1ec3 tr\u00e1nh thanh to\u00e1n tr\u1ec5<\/li>\n\n\n\n<li>X\u00e1c \u0111\u1ecbnh th\u00f3i quen v\u00e0 m\u00f4 h\u00ecnh chi ti\u00eau<\/li>\n<\/ul>\n\n\n\n<p>B\u1eb1ng c\u00e1ch xem m\u1ecdi th\u1ee9 \u1edf m\u1ed9t n\u01a1i, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh h\u01a1n d\u1ef1a tr\u00ean s\u1ef1 th\u1eadt ch\u1ee9 kh\u00f4ng ph\u1ea3i gi\u1ea3 \u0111\u1ecbnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c t\u00ednh n\u0103ng ch\u00ednh c\u1ea7n t\u00ecm ki\u1ebfm<\/h2>\n\n\n\n<p>Khi kh\u00e1m ph\u00e1 c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh, sau \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 t\u00ednh n\u0103ng h\u1eefu \u00edch c\u00f3 th\u1ec3 n\u00e2ng cao t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>T\u00edch h\u1ee3p ng\u00e2n h\u00e0ng<\/strong><\/h3>\n\n\n\n<p>C\u00e1c \u1ee9ng d\u1ee5ng k\u1ebft n\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng nh\u1eadp v\u00e0 ph\u00e2n lo\u1ea1i giao d\u1ecbch. \u0110i\u1ec1u n\u00e0y gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 t\u0103ng \u0111\u1ed9 ch\u00ednh x\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Danh m\u1ee5c c\u00f3 th\u1ec3 t\u00f9y ch\u1ec9nh<\/strong><\/h3>\n\n\n\n<p>C\u00f3 th\u1ec3 t\u1ea1o ho\u1eb7c ch\u1ec9nh s\u1eeda danh m\u1ee5c chi ti\u00eau gi\u00fap b\u1ea1n c\u00e1 nh\u00e2n h\u00f3a vi\u1ec7c theo d\u00f5i \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi l\u1ed1i s\u1ed1ng c\u1ee7a m\u00ecnh (v\u00ed d\u1ee5: h\u00e0ng t\u1ea1p h\u00f3a, ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i, v\u1eadt nu\u00f4i, s\u1edf th\u00edch).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>\u0110\u1eb7t m\u1ee5c ti\u00eau<\/strong><\/h3>\n\n\n\n<p>Nhi\u1ec1u \u1ee9ng d\u1ee5ng cho ph\u00e9p b\u1ea1n \u0111\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh nh\u01b0 &quot;Ti\u1ebft ki\u1ec7m $500 trong 3 th\u00e1ng&quot; ho\u1eb7c &quot;Tr\u1ea3 h\u1ebft n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng&quot;. Theo d\u00f5i ti\u1ebfn \u0111\u1ed9 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u00f3 th\u1ec3 t\u1ea1o \u0111\u1ed9ng l\u1ef1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>C\u1ea3nh b\u00e1o chi ti\u00eau<\/strong><\/h3>\n\n\n\n<p>Nh\u1eadn th\u00f4ng b\u00e1o n\u1ebfu b\u1ea1n s\u1eafp \u0111\u1ea1t ho\u1eb7c v\u01b0\u1ee3t ng\u00e2n s\u00e1ch trong m\u1ed9t danh m\u1ee5c nh\u1ea5t \u0111\u1ecbnh. Nh\u1eefng c\u1ea3nh b\u00e1o n\u00e0y ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t tr\u1ee3 l\u00fd c\u00e1 nh\u00e2n nh\u1eafc nh\u1edf b\u1ea1n gi\u1ea3m t\u1ed1c \u0111\u1ed9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. <strong>B\u00e1o c\u00e1o v\u00e0 Bi\u1ec3u \u0111\u1ed3<\/strong><\/h3>\n\n\n\n<p>T\u00f3m t\u1eaft tr\u1ef1c quan nh\u01b0 bi\u1ec3u \u0111\u1ed3 h\u00ecnh tr\u00f2n ho\u1eb7c bi\u1ec3u \u0111\u1ed3 thanh gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng hi\u1ec3u \u0111\u01b0\u1ee3c xu h\u01b0\u1edbng t\u00e0i ch\u00ednh theo th\u1eddi gian.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh<\/h2>\n\n\n\n<p>C\u00f3 nhi\u1ec1u lo\u1ea1i \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o nhu c\u1ea7u c\u1ee7a b\u1ea1n:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>L\u1eadp ng\u00e2n s\u00e1ch v\u00e0 theo d\u00f5i chi ph\u00ed<\/strong><\/h3>\n\n\n\n<p>Nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y gi\u00fap b\u1ea1n theo d\u00f5i thu nh\u1eadp v\u00e0 chi ti\u00eau. V\u00ed d\u1ee5 nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng cho ph\u00e9p b\u1ea1n &quot;ph\u00e2n c\u00f4ng t\u1eebng \u0111\u00f4 la&quot; cho m\u1ed9t c\u00f4ng vi\u1ec7c ho\u1eb7c theo d\u00f5i c\u00e1c giao d\u1ecbch mua h\u00e0ng h\u00e0ng ng\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>\u1ee8ng d\u1ee5ng h\u01b0\u1edbng \u0111\u1ebfn m\u1ee5c ti\u00eau<\/strong><\/h3>\n\n\n\n<p>\u0110\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho c\u00e1c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 nh\u01b0 k\u1ef3 ngh\u1ec9, qu\u1ef9 kh\u1ea9n c\u1ea5p ho\u1eb7c mua s\u1eafm l\u1edbn. C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y th\u01b0\u1eddng bao g\u1ed3m c\u00e1c t\u00ednh n\u0103ng tr\u00f2 ch\u01a1i h\u00f3a \u0111\u1ec3 vi\u1ec7c ti\u1ebft ki\u1ec7m tr\u1edf n\u00ean th\u00fa v\u1ecb h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>C\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd h\u00f3a \u0111\u01a1n<\/strong><\/h3>\n\n\n\n<p>\u1ee8ng d\u1ee5ng g\u1eedi l\u1eddi nh\u1eafc v\u1ec1 c\u00e1c h\u00f3a \u0111\u01a1n s\u1eafp t\u1edbi v\u00e0 cho ph\u00e9p b\u1ea1n theo d\u00f5i ng\u00e0y \u0111\u1ebfn h\u1ea1n, tr\u00e1nh ph\u00ed tr\u1ea3 ch\u1eadm ho\u1eb7c ph\u00ed th\u1ea5u chi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>B\u1ea3ng \u0111i\u1ec1u khi\u1ec3n t\u00e0i ch\u00ednh t\u1ea5t c\u1ea3 trong m\u1ed9t<\/strong><\/h3>\n\n\n\n<p>M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng cung c\u1ea5p c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 t\u00e0i ch\u00ednh, n\u1ee3 n\u1ea7n, t\u00e0i s\u1ea3n, chi ti\u00eau v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n t\u1ea1i c\u00f9ng m\u1ed9t n\u01a1i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1ch b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh<\/h2>\n\n\n\n<p>B\u1eaft \u0111\u1ea7u th\u00ec \u0111\u01a1n gi\u1ea3n, nh\u01b0ng hi\u1ec7u qu\u1ea3 nh\u1ea5t khi b\u1ea1n ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n. H\u00e3y l\u00e0m theo c\u00e1c b\u01b0\u1edbc sau:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u01b0\u1edbc 1: X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>B\u1ea1n mu\u1ed1n gi\u1ea3m chi ti\u00eau? Theo d\u00f5i thu nh\u1eadp? Ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n? C\u00f3 m\u1ed9t m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng s\u1ebd gi\u00fap b\u1ea1n ch\u1ecdn \u0111\u00fang \u1ee9ng d\u1ee5ng v\u00e0 duy tr\u00ec s\u1ef1 t\u1eadp trung.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u01b0\u1edbc 2: Ch\u1ecdn \u1ee9ng d\u1ee5ng ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>H\u00e3y t\u00ecm m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi giai \u0111o\u1ea1n hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n. V\u00ed d\u1ee5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u c\u00f3 th\u1ec3 th\u00edch giao di\u1ec7n \u0111\u01a1n gi\u1ea3n v\u00e0 ph\u00e2n lo\u1ea1i t\u1ef1 \u0111\u1ed9ng.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi d\u00f9ng ch\u00fa tr\u1ecdng v\u00e0o ng\u00e2n s\u00e1ch c\u00f3 th\u1ec3 mu\u1ed1n ki\u1ec3m so\u00e1t th\u1ee7 c\u00f4ng ho\u1eb7c l\u1eadp k\u1ebf ho\u1ea1ch theo ki\u1ec3u phong b\u00ec.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi h\u1ecdc b\u1eb1ng th\u1ecb gi\u00e1c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c \u1ee9ng d\u1ee5ng c\u00f3 bi\u1ec3u \u0111\u1ed3 v\u00e0 b\u00e1o c\u00e1o \u0111\u1ea7y m\u00e0u s\u1eafc.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B\u01b0\u1edbc 3: K\u1ebft n\u1ed1i t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n (T\u00f9y ch\u1ecdn)<\/h3>\n\n\n\n<p>Nhi\u1ec1u \u1ee9ng d\u1ee5ng cung c\u1ea5p t\u00ednh n\u0103ng \u0111\u1ed3ng b\u1ed9 h\u00f3a ng\u00e2n h\u00e0ng an to\u00e0n th\u00f4ng qua c\u00e1c k\u1ebft n\u1ed1i \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a. N\u1ebfu b\u1ea1n kh\u00f4ng tho\u1ea3i m\u00e1i khi li\u00ean k\u1ebft t\u00e0i kho\u1ea3n, h\u00e3y t\u00ecm c\u00e1c t\u00f9y ch\u1ecdn cho ph\u00e9p <strong>nh\u1eadp th\u1ee7 c\u00f4ng<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u01b0\u1edbc 4: Theo d\u00f5i v\u00e0 xem l\u1ea1i h\u00e0ng ng\u00e0y ho\u1eb7c h\u00e0ng tu\u1ea7n<\/h3>\n\n\n\n<p>H\u00e3y th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra\u2014\u0111i\u1ec1u n\u00e0y gi\u00fap n\u00e2ng cao nh\u1eadn th\u1ee9c. H\u00e3y d\u00e0nh ra 10 ph\u00fat m\u1ed7i tu\u1ea7n \u0111\u1ec3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Xem l\u1ea1i chi ph\u00ed<\/li>\n\n\n\n<li>\u0110i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch<\/li>\n\n\n\n<li>T\u00f4n vinh s\u1ef1 ti\u1ebfn b\u1ed9<\/li>\n<\/ul>\n\n\n\n<p>S\u1ef1 nh\u1ea5t qu\u00e1n quan tr\u1ecdng h\u01a1n s\u1ef1 ho\u00e0n h\u1ea3o. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u1ee3i \u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh<\/h2>\n\n\n\n<p>Sau \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u1ee3i \u00edch l\u1edbn nh\u1ea5t \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng b\u00e1o c\u00e1o:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>L\u1ee3i \u00edch<\/th><th>S\u1ef1 mi\u00eau t\u1ea3<\/th><\/tr><\/thead><tbody><tr><td>Nh\u1eadn th\u1ee9c th\u1eddi gian th\u1ef1c<\/td><td>Bi\u1ebft ch\u00ednh x\u00e1c s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u00e3 chi ti\u00eau trong ng\u00e0y h\u00f4m nay, tu\u1ea7n n\u00e0y ho\u1eb7c th\u00e1ng n\u00e0y.<\/td><\/tr><tr><td>Quy\u1ebft \u0111\u1ecbnh t\u1ed1t h\u01a1n<\/td><td>Tr\u00e1nh mua h\u00e0ng b\u1ed1c \u0111\u1ed3ng khi c\u00f3 b\u1ed1i c\u1ea3nh t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng h\u01a1n.<\/td><\/tr><tr><td>Gi\u1ea3m c\u0103ng th\u1eb3ng<\/td><td>Kh\u00f4ng c\u00f2n ph\u1ea3i \u0111o\u00e1n xem b\u1ea1n c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng mua th\u1ee9 g\u00ec \u0111\u00f3 hay kh\u00f4ng.<\/td><\/tr><tr><td>Trao quy\u1ec1n<\/td><td>Theo d\u00f5i m\u1ee5c ti\u00eau v\u00e0 t\u1ef1 h\u00e0o v\u1ec1 s\u1ef1 ti\u1ebfn b\u1ed9 c\u1ee7a m\u00ecnh.<\/td><\/tr><tr><td>T\u1ed5 ch\u1ee9c<\/td><td>L\u01b0u tr\u1eef t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u t\u00e0i ch\u00ednh \u1edf m\u1ed9t n\u01a1i m\u00e0 kh\u00f4ng c\u1ea7n b\u1ea3ng t\u00ednh hay ph\u1ecfng \u0111o\u00e1n.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p c\u1ea7n tr\u00e1nh<\/h2>\n\n\n\n<p>Ngay c\u1ea3 nh\u1eefng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh t\u1ed1t nh\u1ea5t c\u0169ng kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh gi\u1ea3i quy\u1ebft m\u1ecdi v\u1ea5n \u0111\u1ec1. H\u00e3y c\u1ea9n th\u1eadn v\u1edbi nh\u1eefng c\u1ea1m b\u1eaby sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ecf qua d\u1eef li\u1ec7u<\/strong>:\u0110\u0103ng nh\u1eadp th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7, b\u1ea1n ph\u1ea3i xem x\u00e9t l\u1ea1i h\u00e0nh vi c\u1ee7a m\u00ecnh.<\/li>\n\n\n\n<li><strong>\u0110\u1eb7t ra ng\u00e2n s\u00e1ch kh\u00f4ng th\u1ef1c t\u1ebf<\/strong>: \u0110\u1eebng c\u1eaft qu\u00e1 s\u00e2u v\u00e0 qu\u00e1 nhanh.<\/li>\n\n\n\n<li><strong>Ch\u1ec9 d\u1ef1a v\u00e0o t\u1ef1 \u0111\u1ed9ng h\u00f3a<\/strong>: Vi\u1ec7c \u0111\u00e1nh gi\u00e1 \u0111\u1ecbnh k\u1ef3 v\u1eabn r\u1ea5t c\u1ea7n thi\u1ebft.<\/li>\n\n\n\n<li><strong>Tr\u00e1nh c\u1eadp nh\u1eadt \u1ee9ng d\u1ee5ng ho\u1eb7c c\u00e0i \u0111\u1eb7t b\u1ea3o m\u1eadt<\/strong>: Lu\u00f4n s\u1eed d\u1ee5ng th\u00f4ng tin \u0111\u0103ng nh\u1eadp an to\u00e0n v\u00e0 c\u1eadp nh\u1eadt \u1ee9ng d\u1ee5ng th\u01b0\u1eddng xuy\u00ean.<\/li>\n<\/ul>\n\n\n\n<p>\u1ee8ng d\u1ee5ng n\u00e0y l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5, c\u00f2n b\u1ea1n l\u00e0 ng\u01b0\u1eddi l\u00e1i xe.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">H\u1ecdc t\u1eadp v\u00e0 ph\u00e1t tri\u1ec3n th\u00f4ng qua d\u1eef li\u1ec7u<\/h2>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng kh\u00eda c\u1ea1nh m\u1ea1nh m\u1ebd nh\u1ea5t c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh l\u00e0 c\u00e1ch ch\u00fang <strong>ti\u1ebft l\u1ed9 th\u00f3i quen t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/strong>. Sau m\u1ed9t ho\u1eb7c hai th\u00e1ng, b\u1ea1n s\u1ebd b\u1eaft \u0111\u1ea7u th\u1ea5y:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ti\u1ec1n c\u1ee7a b\u1ea1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c chi ti\u00eau \u1edf \u0111\u00e2u nh\u1ea5t<\/li>\n\n\n\n<li>\u0110i\u1ec1u g\u00ec k\u00edch ho\u1ea1t h\u00e0nh vi chi ti\u00eau b\u1ed1c \u0111\u1ed3ng c\u1ee7a b\u1ea1n<\/li>\n\n\n\n<li>Nh\u1eefng m\u1ee5c ti\u00eau n\u00e0o b\u1ea1n lu\u00f4n \u0111\u1ea1t \u0111\u01b0\u1ee3c ho\u1eb7c tr\u00e1nh n\u00e9<\/li>\n<\/ul>\n\n\n\n<p>Nh\u1eadn th\u1ee9c n\u00e0y l\u00e0 n\u1ec1n t\u1ea3ng cho s\u1ef1 c\u1ea3i thi\u1ec7n t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Suy ngh\u0129 cu\u1ed1i c\u00f9ng: Ki\u1ec3m so\u00e1t m\u1ecdi th\u1ee9 b\u1eb1ng nh\u1eefng c\u00f4ng c\u1ee5 b\u1ea1n \u0111\u00e3 c\u00f3<\/h2>\n\n\n\n<p>B\u1ea1n kh\u00f4ng c\u1ea7n b\u1eb1ng c\u1ea5p t\u00e0i ch\u00ednh hay m\u1ed9t b\u1ea3ng t\u00ednh ho\u00e0n h\u1ea3o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c hi\u1ec7u qu\u1ea3. C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh ng\u00e0y nay gi\u00fap vi\u1ec7c theo d\u00f5i chi ti\u00eau, l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft, m\u1ed9t c\u00e1ch tr\u1ef1c quan, h\u1ea5p d\u1eabn v\u00e0 thi\u1ebft th\u1ef1c.<\/p>\n\n\n\n<p>H\u00e3y ch\u1ecdn m\u1ed9t c\u00f4ng c\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n, s\u1eed d\u1ee5ng n\u00f3 m\u1ed9t c\u00e1ch nh\u1ea5t qu\u00e1n v\u00e0 coi n\u00f3 nh\u01b0 m\u1ed9t h\u1ec7 th\u1ed1ng h\u1ed7 tr\u1ee3 ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed9t gi\u1ea3i ph\u00e1p th\u1ea7n k\u1ef3. Theo th\u1eddi gian, nh\u1eefng l\u1ea7n ki\u1ec3m tra nh\u1ecf \u0111\u00f3 s\u1ebd tr\u1edf th\u00e0nh th\u00f3i quen, v\u00e0 ch\u00ednh nh\u1eefng th\u00f3i quen \u0111\u00f3 s\u1ebd t\u1ea1o ra s\u1ef1 t\u1ef1 do t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>Vi\u1ec7c ki\u1ec3m so\u00e1t ti\u1ec1n b\u1ea1c b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c ki\u1ec3m so\u00e1t s\u1ef1 ch\u00fa \u00fd c\u1ee7a b\u1ea1n. V\u00e0 m\u1ed9t \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh t\u1ed1t c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n l\u00e0m \u0111i\u1ec1u \u0111\u00f3.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n tr\u01b0\u1edbc \u0111\u00e2y th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn s\u1ed5 tay, b\u1ea3ng t\u00ednh v\u00e0 r\u1ea5t nhi\u1ec1u ph\u1ecfng \u0111o\u00e1n. Ng\u00e0y nay, c\u00f4ng ngh\u1ec7 gi\u00fap vi\u1ec7c s\u1eafp x\u1ebfp, theo d\u00f5i chi ti\u00eau v\u00e0 th\u1eadm ch\u00ed \u0111\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n r\u1ea5t nhi\u1ec1u, t\u1ea5t c\u1ea3 ch\u1ec9 b\u1eb1ng thao t\u00e1c tr\u00ean \u0111i\u1ec7n tho\u1ea1i. C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi hi\u1ec3u r\u00f5 v\u00e0 c\u1ea3i thi\u1ec7n th\u00f3i quen t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. Cho d\u00f9 b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh\u2026 <a title=\"C\u00e1ch s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh \u0111\u1ec3 ki\u1ec3m so\u00e1t ti\u1ec1n c\u1ee7a b\u1ea1n\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-use-finance-apps-to-take-control-of-your-money\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Use Finance Apps to Take Control of Your Money\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":117,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,13],"tags":[31,16,10,15],"class_list":["post-101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","category-golden-tips","tag-beginners","tag-for-beginners","tag-golden-tips","tag-tips"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/comments?post=101"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/101\/revisions"}],"predecessor-version":[{"id":118,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/101\/revisions\/118"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/117"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}