{"id":147,"date":"2025-07-22T18:17:22","date_gmt":"2025-07-22T18:17:22","guid":{"rendered":"https:\/\/techsmoney.com\/?p=147"},"modified":"2025-07-22T18:17:23","modified_gmt":"2025-07-22T18:17:23","slug":"how-to-start-organizing-your-personal-finances-from-scratch","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-start-organizing-your-personal-finances-from-scratch\/","title":{"rendered":"C\u00e1ch b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n t\u1eeb con s\u1ed1 0"},"content":{"rendered":"

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u00f3 v\u1ebb l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 qu\u00e1 s\u1ee9c, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 kinh nghi\u1ec7m v\u1ec1 l\u1eadp ng\u00e2n s\u00e1ch, ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0. Nh\u01b0ng th\u1ef1c ra, \u0111i\u1ec1u n\u00e0y kh\u00f4ng h\u1ec1 kh\u00f3 kh\u0103n.<\/p>\n\n\n\n

B\u1eb1ng c\u00e1ch chia nh\u1ecf th\u00e0nh c\u00e1c b\u01b0\u1edbc d\u1ec5 qu\u1ea3n l\u00fd, b\u1ea5t k\u1ef3 ai c\u0169ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u s\u1eafp x\u1ebfp t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, b\u1ea5t k\u1ec3 thu nh\u1eadp c\u1ee7a h\u1ecd nhi\u1ec1u hay \u00edt.<\/p>\n\n\n\n

Cho d\u00f9 b\u1ea1n mu\u1ed1n ti\u1ebft ki\u1ec7m cho m\u1ee5c ti\u00eau t\u01b0\u01a1ng lai, tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n hay ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 ki\u1ec3m so\u00e1t th\u00f3i quen chi ti\u00eau c\u1ee7a m\u00ecnh, th\u00ec vi\u1ec7c hi\u1ec3u nh\u1eefng nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n

Hi\u1ec3u nh\u1eefng \u0111i\u1ec1u c\u01a1 b\u1ea3n v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/h2>\n\n\n\n

Tr\u01b0\u1edbc khi \u0111i s\u00e2u v\u00e0o c\u00e1c chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i hi\u1ec3u r\u00f5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n bao g\u1ed3m nh\u1eefng g\u00ec. N\u00f3 kh\u00f4ng ch\u1ec9 l\u00e0 vi\u1ec7c theo d\u00f5i chi ti\u00eau; n\u00f3 c\u00f2n bao g\u1ed3m vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch, ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0, qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch cho t\u01b0\u01a1ng lai. M\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng l\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 c\u00e1c m\u1ee5c ti\u00eau cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n v\u00e0 cho ph\u00e9p b\u1ea1n x\u1eed l\u00fd c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p m\u00e0 kh\u00f4ng b\u1ecb c\u0103ng th\u1eb3ng. N\u00f3i c\u00e1ch kh\u00e1c, vi\u1ec7c s\u1eafp x\u1ebfp t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n

B\u01b0\u1edbc 1: Ch\u1ee5p nhanh t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n

B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 hi\u1ec3u r\u00f5 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng thu nh\u1eadp, chi ph\u00ed, t\u00e0i s\u1ea3n v\u00e0 n\u1ee3 ph\u1ea3i tr\u1ea3. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng h\u01a1n v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh v\u00e0 x\u00e1c \u0111\u1ecbnh nh\u1eefng l\u0129nh v\u1ef1c c\u1ea7n c\u1ea3i thi\u1ec7n.<\/p>\n\n\n\n

H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 c\u00e1c ngu\u1ed3n thu nh\u1eadp, ch\u1eb3ng h\u1ea1n nh\u01b0 l\u01b0\u01a1ng, thu nh\u1eadp t\u1eeb ngh\u1ec1 t\u1ef1 do, ho\u1eb7c b\u1ea5t k\u1ef3 ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng n\u00e0o. Sau \u0111\u00f3, h\u00e3y theo d\u00f5i chi ti\u00eau c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m m\u1ecdi th\u1ee9, t\u1eeb ti\u1ec1n thu\u00ea nh\u00e0 ho\u1eb7c tr\u1ea3 g\u00f3p th\u1ebf ch\u1ea5p \u0111\u1ebfn ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc, t\u1ea1p h\u00f3a, \u0111\u0103ng k\u00fd d\u1ecbch v\u1ee5 v\u00e0 chi ti\u00eau t\u00f9y \u00fd. B\u1eb1ng c\u00e1ch xem x\u00e9t th\u00f3i quen chi ti\u00eau c\u1ee7a m\u00ecnh, b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u x\u00e1c \u0111\u1ecbnh nh\u1eefng th\u00f3i quen c\u00f3 th\u1ec3 \u0111ang h\u1ea1n ch\u1ebf kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n

Ti\u1ebfp theo, h\u00e3y t\u00ednh gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng c\u1ee7a b\u1ea1n. \u0110\u1ec3 l\u00e0m \u0111i\u1ec1u n\u00e0y, h\u00e3y tr\u1eeb c\u00e1c kho\u1ea3n n\u1ee3 ph\u1ea3i tr\u1ea3 (n\u1ee3) kh\u1ecfi t\u00e0i s\u1ea3n (ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0, b\u1ea5t \u0111\u1ed9ng s\u1ea3n). N\u1ebfu b\u1ea1n \u0111ang m\u1eafc n\u1ee3, b\u01b0\u1edbc n\u00e0y s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 s\u1ed1 ti\u1ec1n m\u00ecnh \u0111ang n\u1ee3 v\u00e0 th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 tr\u1ea3 h\u1ebft n\u1ee3.<\/p>\n\n\n\n

B\u01b0\u1edbc 2: T\u1ea1o ng\u00e2n s\u00e1ch<\/h3>\n\n\n\n

Khi \u0111\u00e3 c\u00f3 b\u1ee9c tranh r\u00f5 r\u00e0ng v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 l\u1eadp ng\u00e2n s\u00e1ch. Ng\u00e2n s\u00e1ch l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u01a1n gi\u1ea3n cho ph\u00e9p b\u1ea1n ph\u00e2n b\u1ed5 thu nh\u1eadp cho c\u00e1c chi ph\u00ed thi\u1ebft y\u1ebfu \u0111\u1ed3ng th\u1eddi ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai. M\u1ee5c ti\u00eau c\u1ee7a vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ea1n ch\u1ebf b\u1ea3n th\u00e2n t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng, m\u00e0 l\u00e0 \u01b0u ti\u00ean c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea3m b\u1ea3o ti\u1ec1n b\u1ea1c sinh l\u1eddi.<\/p>\n\n\n\n

C\u00f3 m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec3 l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi m\u00ecnh. M\u1ed9t ph\u01b0\u01a1ng ph\u00e1p ph\u1ed5 bi\u1ebfn l\u00e0 Quy t\u1eafc 50\/30\/20<\/strong>. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c ph\u00e2n b\u1ed5 50% thu nh\u1eadp c\u1ee7a b\u1ea1n cho c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu, ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u00e0 \u1edf, ti\u1ec7n \u00edch v\u00e0 giao th\u00f4ng, 30% cho c\u00e1c kho\u1ea3n chi ti\u00eau t\u00f9y \u00fd nh\u01b0 \u0103n u\u1ed1ng ngo\u00e0i tr\u1eddi v\u00e0 gi\u1ea3i tr\u00ed, v\u00e0 20% cho ti\u1ebft ki\u1ec7m v\u00e0 tr\u1ea3 n\u1ee3. N\u1ebfu b\u1ea1n \u0111ang mu\u1ed1n tr\u1ea3 b\u1edbt n\u1ee3, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc \u0111i\u1ec1u ch\u1ec9nh c\u00e1c t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m n\u00e0y \u0111\u1ec3 ph\u00e2n b\u1ed5 nhi\u1ec1u h\u01a1n cho vi\u1ec7c tr\u1ea3 n\u1ee3 ho\u1eb7c ti\u1ebft ki\u1ec7m.<\/p>\n\n\n\n

Ngo\u00e0i ra c\u00f2n c\u00f3 c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 \u1ee9ng d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n t\u1ef1 \u0111\u1ed9ng theo d\u00f5i ng\u00e2n s\u00e1ch v\u00e0 chi ti\u00eau. N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi theo ch\u1ee7 ngh\u0129a truy\u1ec1n th\u1ed1ng, b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn b\u00fat v\u00e0 gi\u1ea5y, ho\u1eb7c s\u1eed d\u1ee5ng b\u1ea3ng t\u00ednh \u0111\u1ec3 theo d\u00f5i thu nh\u1eadp v\u00e0 chi ti\u00eau th\u1ee7 c\u00f4ng. D\u00f9 ch\u1ecdn ph\u01b0\u01a1ng ph\u00e1p n\u00e0o, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i nh\u1ea5t qu\u00e1n v\u00e0 trung th\u1ef1c v\u1edbi b\u1ea3n th\u00e2n v\u1ec1 chi ti\u00eau.<\/p>\n\n\n\n

B\u01b0\u1edbc 3: \u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/h3>\n\n\n\n

\u0110\u1eb7t ra m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t \u0111\u1ec3 duy tr\u00ec \u0111\u1ed9ng l\u1ef1c v\u00e0 s\u1ef1 t\u1eadp trung. H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u1ea3 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n. M\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n c\u00f3 th\u1ec3 bao g\u1ed3m tr\u1ea3 h\u1ebft s\u1ed1 d\u01b0 th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c ti\u1ebft ki\u1ec7m cho m\u1ed9t k\u1ef3 ngh\u1ec9, trong khi m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n c\u00f3 th\u1ec3 bao g\u1ed3m ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed, mua nh\u00e0 ho\u1eb7c t\u00e0i tr\u1ee3 cho vi\u1ec7c h\u1ecdc c\u1ee7a con c\u00e1i.<\/p>\n\n\n\n

Khi \u0111\u1eb7t m\u1ee5c ti\u00eau, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u1ee5 th\u1ec3 v\u00e0 th\u1ef1c t\u1ebf. V\u00ed d\u1ee5, thay v\u00ec n\u00f3i "T\u00f4i mu\u1ed1n ti\u1ebft ki\u1ec7m nhi\u1ec1u ti\u1ec1n h\u01a1n", h\u00e3y \u0111\u1eb7t m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 nh\u01b0 "T\u00f4i mu\u1ed1n ti\u1ebft ki\u1ec7m $5.000 cho qu\u1ef9 kh\u1ea9n c\u1ea5p trong v\u00f2ng 12 th\u00e1ng t\u1edbi". \u0110i\u1ec1u n\u00e0y gi\u00fap m\u1ee5c ti\u00eau c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c, cho b\u1ea1n \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 ph\u1ea5n \u0111\u1ea5u.<\/p>\n\n\n\n

Vi\u1ec7c s\u1eafp x\u1ebfp th\u1ee9 t\u1ef1 \u01b0u ti\u00ean cho c\u00e1c m\u1ee5c ti\u00eau c\u0169ng r\u1ea5t h\u1eefu \u00edch. V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n c\u00f3 kho\u1ea3n n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng l\u00e3i su\u1ea5t cao, b\u1ea1n n\u00ean t\u1eadp trung tr\u1ea3 h\u1ebft n\u1ee3 tr\u01b0\u1edbc khi ti\u1ebft ki\u1ec7m cho m\u1ed9t chuy\u1ebfn du l\u1ecbch. Vi\u1ec7c s\u1eafp x\u1ebfp th\u1ee9 t\u1ef1 \u01b0u ti\u00ean r\u00f5 r\u00e0ng s\u1ebd gi\u00fap b\u1ea1n tr\u00e1nh \u0111\u01b0\u1ee3c c\u00e1m d\u1ed7 chi ti\u00eau v\u00e0o nh\u1eefng th\u1ee9 kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 t\u1eadp trung v\u00e0o nh\u1eefng g\u00ec quan tr\u1ecdng nh\u1ea5t.<\/p>\n\n\n\n

B\u01b0\u1edbc 4: X\u00e2y d\u1ef1ng Qu\u1ef9 Kh\u1ea9n c\u1ea5p<\/h3>\n\n\n\n

M\u1ed9t trong nh\u1eefng b\u01b0\u1edbc quan tr\u1ecdng nh\u1ea5t trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh l\u00e0 x\u00e2y d\u1ef1ng qu\u1ef9 kh\u1ea9n c\u1ea5p. Qu\u1ef9 kh\u1ea9n c\u1ea5p l\u00e0 kho\u1ea3n ti\u1ec1n d\u00e0nh ri\u00eang cho c\u00e1c chi ph\u00ed b\u1ea5t ng\u1edd, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u00f3a \u0111\u01a1n y t\u1ebf, s\u1eeda ch\u1eefa xe h\u01a1i ho\u1eb7c m\u1ea5t vi\u1ec7c. C\u00f3 m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p gi\u00fap b\u1ea1n an t\u00e2m v\u00e0 tr\u00e1nh r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n khi c\u00f3 t\u00ecnh hu\u1ed1ng b\u1ea5t ng\u1edd x\u1ea3y ra.<\/p>\n\n\n\n

M\u1ed9t l\u1eddi khuy\u00ean ph\u1ed5 bi\u1ebfn l\u00e0 n\u00ean ti\u1ebft ki\u1ec7m \u00edt nh\u1ea5t ba \u0111\u1ebfn s\u00e1u th\u00e1ng chi ph\u00ed sinh ho\u1ea1t v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n d\u1ec5 ti\u1ebfp c\u1eadn. Tuy nhi\u00ean, n\u1ebfu \u0111i\u1ec1u n\u00e0y c\u00f3 v\u1ebb kh\u00f3 kh\u0103n, h\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng kho\u1ea3n nh\u1ecf. H\u00e3y \u0111\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m $500 ho\u1eb7c $1.000 \u0111\u1ec3 trang tr\u1ea3i cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p nh\u1ecf h\u01a1n. Sau khi \u0111\u00e3 t\u00edch l\u0169y \u0111\u01b0\u1ee3c qu\u1ef9 kh\u1ea9n c\u1ea5p, b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp trung v\u00e0o c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n\n\n\n

B\u01b0\u1edbc 5: Gi\u1ea3m v\u00e0 qu\u1ea3n l\u00fd n\u1ee3<\/h3>\n\n\n\n

N\u1ebfu b\u1ea1n \u0111ang mang n\u1ee3, \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 ph\u1ea3i l\u1eadp k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3. H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch \u01b0u ti\u00ean c\u00e1c kho\u1ea3n n\u1ee3 l\u00e3i su\u1ea5t cao, ch\u1eb3ng h\u1ea1n nh\u01b0 s\u1ed1 d\u01b0 th\u1ebb t\u00edn d\u1ee5ng, v\u00ec ch\u00fang c\u00f3 th\u1ec3 nhanh ch\u00f3ng v\u01b0\u1ee3t kh\u1ecfi t\u1ea7m ki\u1ec3m so\u00e1t n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t. H\u00e3y c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u1ee3 l\u1edf<\/strong> (tr\u1ea3 h\u1ebft kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao nh\u1ea5t tr\u01b0\u1edbc) ho\u1eb7c ph\u01b0\u01a1ng ph\u00e1p n\u1ee3 l\u0103n c\u1ea7u tuy\u1ebft<\/strong> (tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 nh\u1ecf tr\u01b0\u1edbc) \u0111\u1ec3 t\u1ea1o ra m\u1ed9t k\u1ebf ho\u1ea1ch ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n.<\/p>\n\n\n\n

N\u1ebfu b\u1ea1n c\u1ea3m th\u1ea5y kho\u1ea3n n\u1ee3 c\u1ee7a m\u00ecnh qu\u00e1 l\u1edbn, h\u00e3y c\u00e2n nh\u1eafc t\u00ecm l\u1eddi khuy\u00ean t\u1eeb chuy\u00ean gia t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh ho\u1eb7c t\u00ecm hi\u1ec3u c\u00e1c gi\u1ea3i ph\u00e1p h\u1ee3p nh\u1ea5t n\u1ee3. Nh\u01b0ng h\u00e3y nh\u1edb, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i ki\u00ean tr\u00ec v\u1edbi m\u1ee5c ti\u00eau tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n.<\/p>\n\n\n\n

B\u01b0\u1edbc 6: B\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/h3>\n\n\n\n

Sau khi l\u1eadp ng\u00e2n s\u00e1ch, \u0111\u1eb7t m\u1ee5c ti\u00eau, x\u00e2y d\u1ef1ng qu\u1ef9 kh\u1ea9n c\u1ea5p v\u00e0 gi\u1ea3m n\u1ee3, \u0111\u00e3 \u0111\u1ebfn l\u00fac t\u1eadp trung v\u00e0o vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0. B\u1ea1n c\u00e0ng b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 s\u1edbm, b\u1ea1n c\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb l\u00e3i k\u00e9p theo th\u1eddi gian.<\/p>\n\n\n\n

H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch \u0111\u00f3ng g\u00f3p v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed, ch\u1eb3ng h\u1ea1n nh\u01b0 401(k) ho\u1eb7c IRA. N\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn 401(k) th\u00f4ng qua c\u00f4ng ty, h\u00e3y c\u1ed1 g\u1eafng \u0111\u00f3ng g\u00f3p \u0111\u1ee7 \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u01b0\u01a1ng \u1ee9ng. N\u1ebfu b\u1ea1n kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn 401(k), h\u00e3y xem x\u00e9t m\u1edf IRA \u0111\u1ec3 b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed.<\/p>\n\n\n\n

Ngo\u00e0i vi\u1ec7c ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed, h\u00e3y c\u00e2n nh\u1eafc c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu v\u00e0 qu\u1ef9 t\u01b0\u01a1ng h\u1ed7. Ch\u00eca kh\u00f3a c\u1ee7a \u0111\u1ea7u t\u01b0 l\u00e0 \u0111a d\u1ea1ng h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n tr\u00ean nhi\u1ec1u lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro.<\/p>\n\n\n\n

B\u01b0\u1edbc 7: Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n

Vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 m\u1ed9t l\u1ea7n; \u0111\u00f3 l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh li\u00ean t\u1ee5c. Khi thu nh\u1eadp, chi ph\u00ed v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n thay \u0111\u1ed5i, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i th\u01b0\u1eddng xuy\u00ean xem x\u00e9t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch v\u00e0 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. H\u00e3y d\u00e0nh th\u1eddi gian m\u1ed7i th\u00e1ng \u0111\u1ec3 theo d\u00f5i ti\u1ebfn \u0111\u1ed9, \u0111\u00e1nh gi\u00e1 chi ti\u00eau v\u00e0 th\u1ef1c hi\u1ec7n nh\u1eefng thay \u0111\u1ed5i c\u1ea7n thi\u1ebft \u0111\u1ec3 duy tr\u00ec m\u1ee5c ti\u00eau.<\/p>\n\n\n\n

Suy ngh\u0129 cu\u1ed1i c\u00f9ng<\/h3>\n\n\n\n

Vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 m\u1ed9t h\u00e0nh tr\u00ecnh \u0111\u00f2i h\u1ecfi th\u1eddi gian, s\u1ef1 ki\u00ean nh\u1eabn v\u00e0 t\u00ednh nh\u1ea5t qu\u00e1n. Ban \u0111\u1ea7u c\u00f3 v\u1ebb kh\u00f3 kh\u0103n, nh\u01b0ng b\u1eb1ng c\u00e1ch th\u1ef1c hi\u1ec7n t\u1eebng b\u01b0\u1edbc nh\u1ecf v\u00e0 t\u1eadp trung v\u00e0o m\u1ee5c ti\u00eau, b\u1ea1n s\u1ebd d\u1ea7n d\u1ea7n ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. H\u00e3y nh\u1edb r\u1eb1ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 v\u1ea5n \u0111\u1ec1 ri\u00eang t\u01b0, nh\u1eefng g\u00ec hi\u1ec7u qu\u1ea3 v\u1edbi ng\u01b0\u1eddi n\u00e0y c\u00f3 th\u1ec3 kh\u00f4ng hi\u1ec7u qu\u1ea3 v\u1edbi ng\u01b0\u1eddi kh\u00e1c. H\u00e3y th\u1eed nghi\u1ec7m c\u00e1c chi\u1ebfn l\u01b0\u1ee3c kh\u00e1c nhau v\u00e0 \u0111\u1eebng ng\u1ea1i \u0111i\u1ec1u ch\u1ec9nh trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 h\u00e3y lu\u00f4n cam k\u1ebft v\u1edbi s\u1ef1 an to\u00e0n t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 ch\u1ee7 \u0111\u1ed9ng th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an ninh t\u00e0i ch\u00ednh.<\/p>","protected":false},"excerpt":{"rendered":"

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u00f3 v\u1ebb nh\u01b0 l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 qu\u00e1 s\u1ee9c, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n \u00edt ho\u1eb7c kh\u00f4ng c\u00f3 kinh nghi\u1ec7m v\u1ec1 l\u1eadp ng\u00e2n s\u00e1ch, ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0. Nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i kh\u00f3 kh\u0103n. B\u1eb1ng c\u00e1ch chia nh\u1ecf th\u00e0nh c\u00e1c b\u01b0\u1edbc d\u1ec5 qu\u1ea3n l\u00fd, b\u1ea5t k\u1ef3 ai c\u0169ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, b\u1ea5t k\u1ec3 thu nh\u1eadp c\u1ee7a h\u1ecd l\u1edbn hay nh\u1ecf. Cho d\u00f9 b\u1ea1n mu\u1ed1n\u2026 \u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":148,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[16,10,7,15],"class_list":["post-147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-golden-tips","tag-for-beginners","tag-golden-tips","tag-money","tag-tips"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/147","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=147"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/147\/revisions"}],"predecessor-version":[{"id":149,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/147\/revisions\/149"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/148"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}