{"id":195,"date":"2025-07-28T14:46:42","date_gmt":"2025-07-28T14:46:42","guid":{"rendered":"https:\/\/techsmoney.com\/?p=195"},"modified":"2025-07-28T14:46:42","modified_gmt":"2025-07-28T14:46:42","slug":"how-to-organize-your-personal-finances-from-scratch","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-organize-your-personal-finances-from-scratch\/","title":{"rendered":"C\u00e1ch t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n t\u1eeb \u0111\u1ea7u"},"content":{"rendered":"<p>Vi\u1ec7c ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n c\u1ea3m th\u1ea5y cho\u00e1ng ng\u1ee3p, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi b\u1ea1n b\u1eaft \u0111\u1ea7u t\u1eeb con s\u1ed1 0. D\u00f9 b\u1ea1n ch\u01b0a bao gi\u1edd theo d\u00f5i chi ti\u00eau hay \u0111ang c\u1ed1 g\u1eafng tho\u00e1t kh\u1ecfi v\u00f2ng lu\u1ea9n qu\u1ea9n s\u1ed1ng d\u1ef1a v\u00e0o \u0111\u1ed3ng l\u01b0\u01a1ng, tin t\u1ed1t l\u00e0: \u0111i\u1ec1u \u0111\u00f3 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3. V\u1edbi nh\u1eefng b\u01b0\u1edbc \u0111\u00fang \u0111\u1eafn, b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t ti\u1ec1n b\u1ea1c v\u00e0 b\u1eaft \u0111\u1ea7u x\u00e2y d\u1ef1ng m\u1ed9t t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hi\u1ec3u r\u00f5 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 thay \u0111\u1ed5i n\u00e0o, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 c\u00e1c ngu\u1ed3n thu nh\u1eadp c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>B\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch li\u1ec7t k\u00ea m\u1ecdi ngu\u1ed3n thu nh\u1eadp c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ti\u1ec1n l\u01b0\u01a1ng ho\u1eb7c ti\u1ec1n c\u00f4ng<\/li>\n\n\n\n<li>Thu nh\u1eadp t\u1eeb ngh\u1ec1 t\u1ef1 do ho\u1eb7c ngh\u1ec1 ph\u1ee5<\/li>\n\n\n\n<li>L\u1ee3i \u00edch c\u1ee7a ch\u00ednh ph\u1ee7<\/li>\n\n\n\n<li>Thu nh\u1eadp cho thu\u00ea<\/li>\n\n\n\n<li>B\u1ea5t k\u1ef3 d\u00f2ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh n\u00e0o kh\u00e1c<\/li>\n<\/ul>\n\n\n\n<p>H\u00e3y ch\u1eafc ch\u1eafn \u0111\u1ec3 t\u00ednh to\u00e1n c\u1ee7a b\u1ea1n <strong>thu nh\u1eadp r\u00f2ng h\u00e0ng th\u00e1ng<\/strong> \u0111\u00f3 l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n mang v\u1ec1 nh\u00e0 sau khi tr\u1eeb thu\u1ebf v\u00e0 c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u00ednh to\u00e1n chi ph\u00ed h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>Ti\u1ebfp theo, h\u00e3y li\u1ec7t k\u00ea c\u00e1c kho\u1ea3n chi ti\u00eau th\u01b0\u1eddng xuy\u00ean c\u1ee7a b\u1ea1n. Chia ch\u00fang th\u00e0nh hai lo\u1ea1i:<\/p>\n\n\n\n<p><strong>Chi ph\u00ed c\u1ed1 \u0111\u1ecbnh:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Thu\u00ea ho\u1eb7c th\u1ebf ch\u1ea5p<\/li>\n\n\n\n<li>Ti\u1ec7n \u00edch<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m<\/li>\n\n\n\n<li>Thanh to\u00e1n kho\u1ea3n vay<\/li>\n<\/ul>\n\n\n\n<p><strong>Chi ph\u00ed bi\u1ebfn \u0111\u1ed5i:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00e0ng t\u1ea1p h\u00f3a<\/li>\n\n\n\n<li>\u0102n t\u1ed1i ngo\u00e0i tr\u1eddi<\/li>\n\n\n\n<li>V\u1eadn t\u1ea3i<\/li>\n\n\n\n<li>\u0110\u0103ng k\u00fd<\/li>\n\n\n\n<li>S\u1ef1 gi\u1ea3i tr\u00ed<\/li>\n<\/ul>\n\n\n\n<p>S\u1eed d\u1ee5ng s\u1ed5 tay, b\u1ea3ng t\u00ednh ho\u1eb7c \u1ee9ng d\u1ee5ng l\u1eadp ng\u00e2n s\u00e1ch mi\u1ec5n ph\u00ed \u0111\u1ec3 theo d\u00f5i t\u1eebng \u0111\u1ed3ng. Trong th\u00e1ng \u0111\u1ea7u ti\u00ean, m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n ch\u1ec9 l\u00e0 nh\u1eadn th\u1ee9c - hi\u1ec3u r\u00f5 ti\u1ec1n c\u1ee7a b\u1ea1n th\u1ef1c s\u1ef1 \u0111i v\u1ec1 \u0111\u00e2u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u1ea1o m\u1ed9t ng\u00e2n s\u00e1ch h\u00e0ng th\u00e1ng th\u1ef1c t\u1ebf<\/h2>\n\n\n\n<p>B\u00e2y gi\u1edd b\u1ea1n \u0111\u00e3 thu th\u1eadp \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u, \u0111\u00e3 \u0111\u1ebfn l\u00fac x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ch\u1ecdn ph\u01b0\u01a1ng ph\u00e1p l\u1eadp ng\u00e2n s\u00e1ch<\/h3>\n\n\n\n<p>C\u00f3 m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c l\u1eadp ng\u00e2n s\u00e1ch hi\u1ec7u qu\u1ea3 d\u00e0nh cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quy t\u1eafc 50\/30\/20<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Nhu c\u1ea7u 50% (ti\u1ec1n thu\u00ea nh\u00e0, th\u1ef1c ph\u1ea9m, h\u00f3a \u0111\u01a1n)<\/li>\n\n\n\n<li>30% mu\u1ed1n (gi\u1ea3i tr\u00ed, \u0103n u\u1ed1ng)<\/li>\n\n\n\n<li>20% ti\u1ebft ki\u1ec7m v\u00e0 tr\u1ea3 n\u1ee3<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Ng\u00e2n s\u00e1ch d\u1ef1a tr\u00ean s\u1ed1 kh\u00f4ng<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Ch\u1ec9 \u0111\u1ecbnh m\u1ed7i \u0111\u00f4 la cho m\u1ed9t c\u00f4ng vi\u1ec7c cho \u0111\u1ebfn khi s\u1ed1 d\u01b0 c\u1ee7a b\u1ea1n l\u00e0 $0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Ch\u1ecdn lo\u1ea1i ph\u00f9 h\u1ee3p v\u1edbi t\u00ednh c\u00e1ch v\u00e0 m\u1ee9c thu nh\u1eadp c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh<\/h3>\n\n\n\n<p>V\u00e0i th\u00e1ng \u0111\u1ea7u l\u1eadp ng\u00e2n s\u00e1ch c\u00f3 th\u1ec3 ch\u01b0a ho\u00e0n h\u1ea3o. \u0110i\u1ec1u \u0111\u00f3 l\u00e0 b\u00ecnh th\u01b0\u1eddng. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 s\u1ef1 nh\u1ea5t qu\u00e1n. H\u00e3y \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n thi\u1ebft, nh\u01b0ng lu\u00f4n \u0111\u1eb7t m\u1ee5c ti\u00eau chi ti\u00eau \u00edt h\u01a1n s\u1ed1 ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1eaft \u0111\u1ea7u m\u1ed9t Qu\u1ef9 kh\u1ea9n c\u1ea5p<\/h2>\n\n\n\n<p>S\u1ebd c\u00f3 nh\u1eefng kho\u1ea3n chi ph\u00ed b\u1ea5t ng\u1edd x\u1ea3y ra\u2014h\u00f3a \u0111\u01a1n y t\u1ebf, s\u1eeda xe, ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 m\u1ea5t vi\u1ec7c \u0111\u1ed9t ng\u1ed9t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1i sao b\u1ea1n c\u1ea7n m\u1ed9t c\u00e1i<\/h3>\n\n\n\n<p>Qu\u1ef9 kh\u1ea9n c\u1ea5p l\u00e0 t\u1ea5m l\u01b0\u1edbi an to\u00e0n c\u1ee7a b\u1ea1n. N\u00f3 gi\u00fap b\u1ea1n tr\u00e1nh ph\u1ea3i s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c c\u00e1c kho\u1ea3n vay l\u00e3i su\u1ea5t cao khi c\u00f3 v\u1ea5n \u0111\u1ec1 x\u1ea3y ra.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1ch x\u00e2y d\u1ef1ng n\u00f3<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng m\u1ee5c ti\u00eau nh\u1ecf. \u0110\u1eb7t m\u1ee5c ti\u00eau t\u1eeb $500 \u0111\u1ebfn $1.000<\/li>\n\n\n\n<li>Ti\u1ebft ki\u1ec7m m\u1ed9t \u00edt t\u1eeb m\u1ed7i k\u1ef3 l\u01b0\u01a1ng<\/li>\n\n\n\n<li>Gi\u1eef n\u00f3 trong m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ri\u00eang (t\u1ed1t nh\u1ea5t l\u00e0 t\u00e0i kho\u1ea3n c\u00f3 l\u00e3i)<\/li>\n\n\n\n<li>H\u00e3y coi n\u00f3 nh\u01b0 b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m tr\u1eeb tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p th\u1ef1c s\u1ef1<\/li>\n<\/ul>\n\n\n\n<p>Cu\u1ed1i c\u00f9ng, b\u1ea1n n\u00ean h\u01b0\u1edbng t\u1edbi <strong>3 \u0111\u1ebfn 6 th\u00e1ng chi ph\u00ed sinh ho\u1ea1t<\/strong> trong qu\u1ef9 kh\u1ea9n c\u1ea5p c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ki\u1ec3m so\u00e1t n\u1ee3<\/h2>\n\n\n\n<p>N\u1ee3 c\u00f3 th\u1ec3 l\u00e0 tr\u1edf ng\u1ea1i l\u1edbn trong t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3<\/h3>\n\n\n\n<p>Vi\u1ebft ra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u1ed1 ti\u1ec1n n\u1ee3<\/li>\n\n\n\n<li>L\u00e3i su\u1ea5t<\/li>\n\n\n\n<li>Kho\u1ea3n thanh to\u00e1n t\u1ed1i thi\u1ec3u<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi cho vay<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ch\u1ecdn m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c tr\u1ea3 n\u1ee3<\/h3>\n\n\n\n<p>Hai ph\u01b0\u01a1ng ph\u00e1p ph\u1ed5 bi\u1ebfn \u0111\u1ec3 tr\u1ea3 n\u1ee3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u1ee3 l\u0103n c\u1ea7u tuy\u1ebft<\/strong>: Tr\u1ea3 kho\u1ea3n n\u1ee3 nh\u1ecf nh\u1ea5t tr\u01b0\u1edbc \u0111\u1ec3 c\u00f3 chi\u1ebfn th\u1eafng nhanh ch\u00f3ng<\/li>\n\n\n\n<li><strong>L\u1edf n\u1ee3<\/strong>: Tr\u1ea3 h\u1ebft kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao nh\u1ea5t tr\u01b0\u1edbc \u0111\u1ec3 ti\u1ebft ki\u1ec7m nhi\u1ec1u ti\u1ec1n h\u01a1n theo th\u1eddi gian<\/li>\n<\/ul>\n\n\n\n<p>C\u1ea3 hai \u0111\u1ec1u hi\u1ec7u qu\u1ea3\u2014h\u00e3y ch\u1ecdn c\u00e1ch gi\u00fap b\u1ea1n c\u00f3 \u0111\u1ed9ng l\u1ef1c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/h2>\n\n\n\n<p>M\u1ee5c ti\u00eau mang l\u1ea1i cho b\u1ea1n m\u1ee5c \u0111\u00edch v\u00e0 \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 \u0111i \u0111\u00fang h\u01b0\u1edbng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ti\u1ebft ki\u1ec7m $1.000<\/li>\n\n\n\n<li>Thanh to\u00e1n th\u1ebb t\u00edn d\u1ee5ng<\/li>\n\n\n\n<li>X\u00e2y d\u1ef1ng ng\u00e2n s\u00e1ch c\u01a1 b\u1ea3n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1ee5c ti\u00eau d\u00e0i h\u1ea1n<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ti\u1ebft ki\u1ec7m cho m\u1ed9t ng\u00f4i nh\u00e0<\/li>\n\n\n\n<li>X\u00e2y d\u1ef1ng qu\u1ef9 h\u01b0u tr\u00ed<\/li>\n\n\n\n<li>B\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0<\/li>\n<\/ul>\n\n\n\n<p>H\u00e3y c\u1ee5 th\u1ec3 v\u00e0 vi\u1ebft ra m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n. M\u1ed9t m\u1ee5c ti\u00eau kh\u00f4ng c\u00f3 k\u1ebf ho\u1ea1ch ch\u1ec9 l\u00e0 m\u1ed9t \u01b0\u1edbc mu\u1ed1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/h2>\n\n\n\n<p>Khi b\u1ea1n \u0111\u00e3 \u1ed5n \u0111\u1ecbnh ng\u00e2n s\u00e1ch v\u00e0 b\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m, \u0111\u00e3 \u0111\u1ebfn l\u00fac \u0111\u1ec3 ti\u1ec1n c\u1ee7a b\u1ea1n sinh s\u00f4i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ef1 \u0111\u1ed9ng ti\u1ebft ki\u1ec7m<\/h3>\n\n\n\n<p>Thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m m\u1ed7i khi b\u1ea1n nh\u1eadn l\u01b0\u01a1ng. Ngay c\u1ea3 $10 m\u1ed7i tu\u1ea7n c\u0169ng s\u1ebd t\u0103ng l\u00ean theo th\u1eddi gian.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u00ecm hi\u1ec3u nh\u1eefng \u0111i\u1ec1u c\u01a1 b\u1ea3n v\u1ec1 \u0111\u1ea7u t\u01b0<\/h3>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u, h\u00e3y c\u00e2n nh\u1eafc:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Qu\u1ef9 ch\u1ec9 s\u1ed1 v\u00e0 ETF<\/strong><\/li>\n\n\n\n<li><strong>T\u00e0i kho\u1ea3n h\u01b0u tr\u00ed (nh\u01b0 IRA ho\u1eb7c 401(k))<\/strong><\/li>\n\n\n\n<li><strong>C\u1ed1 v\u1ea5n robot (d\u00e0nh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 r\u1ea3nh tay)<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u0110\u1ea7u t\u01b0 kh\u00f4ng ch\u1ec9 d\u00e0nh cho ng\u01b0\u1eddi gi\u00e0u. B\u1eaft \u0111\u1ea7u ngay t\u1eeb s\u1edbm, d\u00f9 ch\u1ec9 v\u1edbi s\u1ed1 ti\u1ec1n nh\u1ecf, c\u0169ng c\u00f3 th\u1ec3 t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t l\u1edbn nh\u1edd l\u00e3i k\u00e9p.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tr\u00e1nh nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn<\/h2>\n\n\n\n<p>Khi m\u1edbi b\u1eaft \u0111\u1ea7u, b\u1ea1n r\u1ea5t d\u1ec5 r\u01a1i v\u00e0o b\u1eaby.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u1eebng d\u1ef1a v\u00e0o th\u1ebb t\u00edn d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p<\/h3>\n\n\n\n<p>S\u1eed d\u1ee5ng qu\u1ef9 kh\u1ea9n c\u1ea5p, kh\u00f4ng ph\u1ea3i th\u1ebb t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u1eebng chi ti\u00eau qu\u00e1 m\u1ee9c ch\u1ec9 v\u00ec b\u1ea1n \u0111\u01b0\u1ee3c t\u0103ng l\u01b0\u01a1ng<\/h3>\n\n\n\n<p>L\u1ea1m ph\u00e1t l\u1ed1i s\u1ed1ng l\u00e0 c\u00f3 th\u1eadt. H\u00e3y gi\u1eef chi ti\u00eau \u1ed5n \u0111\u1ecbnh v\u00e0 t\u0103ng c\u01b0\u1eddng ti\u1ebft ki\u1ec7m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u1eebng b\u1ecf qua vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch v\u00ec n\u00f3 c\u00f3 v\u1ebb nh\u00e0m ch\u00e1n<\/h3>\n\n\n\n<p>Ng\u00e2n s\u00e1ch mang l\u1ea1i cho b\u1ea1n <strong>t\u1ef1 do<\/strong> V\u00e0 <strong>\u0111i\u1ec1u khi\u1ec3n<\/strong>, kh\u00f4ng h\u1ea1n ch\u1ebf.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">S\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 t\u00e0i nguy\u00ean mi\u1ec5n ph\u00ed<\/h2>\n\n\n\n<p>C\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 gi\u00fap qu\u1ea3n l\u00fd ti\u1ec1n d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mint, YNAB (B\u1ea1n c\u1ea7n m\u1ed9t ng\u00e2n s\u00e1ch) ho\u1eb7c Goodbudget<\/strong> \u0111\u1ec3 l\u1eadp ng\u00e2n s\u00e1ch<\/li>\n\n\n\n<li><strong>B\u1ea3ng t\u00ednh<\/strong> \u0111\u1ec3 theo d\u00f5i t\u00f9y ch\u1ec9nh<\/li>\n\n\n\n<li><strong>Blog t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 k\u00eanh YouTube<\/strong> \u0111\u1ec3 h\u1ecdc t\u1eadp<\/li>\n\n\n\n<li><strong>S\u00e1ch<\/strong> gi\u1ed1ng <em>S\u1ef1 thay \u0111\u1ed5i to\u00e0n di\u1ec7n v\u1ec1 ti\u1ec1n b\u1ea1c<\/em> ho\u1eb7c <em>Ti\u1ec1n c\u1ee7a b\u1ea1n hay cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n<\/em><\/li>\n<\/ul>\n\n\n\n<p>Kh\u00f4ng thi\u1ebfu th\u00f4ng tin tuy\u1ec7t v\u1eddi v\u00e0 mi\u1ec5n ph\u00ed gi\u00fap b\u1ea1n ph\u00e1t tri\u1ec3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Suy ngh\u0129 cu\u1ed1i c\u00f9ng: Nh\u1eefng b\u01b0\u1edbc nh\u1ecf d\u1eabn \u0111\u1ebfn s\u1ef1 thay \u0111\u1ed5i l\u1edbn<\/h2>\n\n\n\n<p>B\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i th\u00e0nh th\u1ea1o m\u1ecdi th\u1ee9 c\u00f9ng m\u1ed9t l\u00fac. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1ea1n ph\u1ea3i b\u1eaft \u0111\u1ea7u. Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ch\u00ednh l\u00e0 x\u00e2y d\u1ef1ng nh\u1eefng th\u00f3i quen t\u00edch l\u0169y th\u00e0nh s\u1ef1 an t\u00e2m, t\u1ef1 do v\u00e0 th\u00e0nh c\u00f4ng l\u00e2u d\u00e0i.<\/p>\n\n\n\n<p>M\u1ed7i quy\u1ebft \u0111\u1ecbnh nh\u1ecf b\u1ea1n \u0111\u01b0a ra h\u00f4m nay - theo d\u00f5i chi ti\u00eau, b\u1ecf qua m\u1ed9t kho\u1ea3n mua s\u1eafm kh\u00f4ng c\u1ea7n thi\u1ebft, d\u00e0nh ri\u00eang $20 - \u0111\u1ec1u \u0111\u01b0a b\u1ea1n \u0111\u1ebfn g\u1ea7n h\u01a1n v\u1edbi s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh. B\u1ea1n l\u00e0m \u0111\u01b0\u1ee3c m\u00e0. V\u00e0 h\u00e3y nh\u1edb r\u1eb1ng, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 ho\u00e0n h\u1ea3o, m\u00e0 l\u00e0 s\u1ef1 nh\u1ea5t qu\u00e1n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n c\u1ea3m th\u1ea5y cho\u00e1ng ng\u1ee3p, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi b\u1ea1n b\u1eaft \u0111\u1ea7u t\u1eeb con s\u1ed1 0. D\u00f9 b\u1ea1n ch\u01b0a bao gi\u1edd theo d\u00f5i chi ti\u00eau hay \u0111ang c\u1ed1 g\u1eafng tho\u00e1t kh\u1ecfi v\u00f2ng lu\u1ea9n qu\u1ea9n s\u1ed1ng d\u1ef1a v\u00e0o \u0111\u1ed3ng l\u01b0\u01a1ng, tin t\u1ed1t l\u00e0: \u0111i\u1ec1u \u0111\u00f3 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3. V\u1edbi nh\u1eefng b\u01b0\u1edbc \u0111\u00fang \u0111\u1eafn, b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t ti\u1ec1n b\u1ea1c v\u00e0 b\u1eaft \u0111\u1ea7u x\u00e2y d\u1ef1ng m\u1ed9t t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc. H\u00e3y hi\u1ec3u r\u00f5\u2026 <a title=\"C\u00e1ch t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n t\u1eeb \u0111\u1ea7u\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-organize-your-personal-finances-from-scratch\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Organize Your Personal Finances from Scratch\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[31,16,10,7],"class_list":["post-195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","tag-beginners","tag-for-beginners","tag-golden-tips","tag-money"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/195","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=195"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/195\/revisions"}],"predecessor-version":[{"id":197,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/195\/revisions\/197"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/196"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}