{"id":210,"date":"2025-08-01T14:54:30","date_gmt":"2025-08-01T14:54:30","guid":{"rendered":"https:\/\/techsmoney.com\/?p=210"},"modified":"2025-07-28T14:55:49","modified_gmt":"2025-07-28T14:55:49","slug":"how-to-get-out-of-debt-without-losing-your-mind","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-get-out-of-debt-without-losing-your-mind\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n m\u00e0 kh\u00f4ng m\u1ea5t tr\u00ed"},"content":{"rendered":"<p>N\u1ee3 n\u1ea7n c\u00f3 th\u1ec3 gi\u1ed1ng nh\u01b0 m\u1ed9t g\u00e1nh n\u1eb7ng \u0111ang k\u00e9o b\u1ea1n xu\u1ed1ng. D\u00f9 l\u00e0 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, n\u1ee3 c\u00e1 nh\u00e2n hay n\u1ee3 sinh vi\u00ean, vi\u1ec7c m\u1eafc n\u1ee3 lu\u00f4n g\u00e2y c\u0103ng th\u1eb3ng, cho\u00e1ng ng\u1ee3p v\u00e0 th\u01b0\u1eddng g\u00e2y hoang mang. Nh\u01b0ng \u0111\u00e2y l\u00e0 tin t\u1ed1t: <strong>b\u1ea1n c\u00f3 th\u1ec3 tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n<\/strong>v\u00e0 b\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i hy sinh s\u1ee9c kh\u1ecfe tinh th\u1ea7n c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3.<\/p>\n\n\n\n<p>H\u01b0\u1edbng d\u1eabn n\u00e0y s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1c b\u01b0\u1edbc th\u1ef1c t\u1ebf \u0111\u1ec3 tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n trong khi v\u1eabn gi\u1eef \u0111\u01b0\u1ee3c b\u00ecnh t\u0129nh v\u00e0 t\u1eadp trung v\u00ec s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u00e0 s\u1ee9c kh\u1ecfe tinh th\u1ea7n c\u1ee7a b\u1ea1n lu\u00f4n song h\u00e0nh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 1: X\u00e1c \u0111\u1ecbnh r\u00f5 s\u1ed1 ti\u1ec1n b\u1ea1n n\u1ee3<\/h2>\n\n\n\n<p>B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 gi\u1ea3i quy\u1ebft n\u1ee3 n\u1ea7n l\u00e0 hi\u1ec3u r\u00f5 b\u1ea1n \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi v\u1ea5n \u0111\u1ec1 g\u00ec. B\u1ea1n kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec b\u1ea1n kh\u00f4ng \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1o danh s\u00e1ch n\u1ee3<\/h3>\n\n\n\n<p>Li\u1ec7t k\u00ea m\u1ecdi kho\u1ea3n n\u1ee3 c\u1ee7a b\u1ea1n, bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00ean ch\u1ee7 n\u1ee3 (v\u00ed d\u1ee5: Chase, Navient)<\/li>\n\n\n\n<li>T\u1ed5ng s\u1ed1 d\u01b0 n\u1ee3<\/li>\n\n\n\n<li>L\u00e3i su\u1ea5t (APR)<\/li>\n\n\n\n<li>Thanh to\u00e1n t\u1ed1i thi\u1ec3u h\u00e0ng th\u00e1ng<\/li>\n\n\n\n<li>Ng\u00e0y \u0111\u1ebfn h\u1ea1n<\/li>\n<\/ul>\n\n\n\n<p>S\u1eed d\u1ee5ng b\u1ea3ng t\u00ednh ho\u1eb7c \u1ee9ng d\u1ee5ng theo d\u00f5i n\u1ee3 \u0111\u1ec3 qu\u1ea3n l\u00fd chi ti\u00eau. Ban \u0111\u1ea7u, nh\u00ecn t\u1ed5ng s\u1ed1 ti\u1ec1n c\u00f3 th\u1ec3 h\u01a1i \u0111\u00e1ng s\u1ee3, nh\u01b0ng s\u1ef1 r\u00f5 r\u00e0ng s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c m\u1ecdi vi\u1ec7c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 2: Ng\u1eebng t\u00edch l\u0169y th\u00eam n\u1ee3<\/h2>\n\n\n\n<p>C\u00f3 v\u1ebb hi\u1ec3n nhi\u00ean, nh\u01b0ng nhi\u1ec1u ng\u01b0\u1eddi c\u1ed1 g\u1eafng tr\u1ea3 h\u1ebft n\u1ee3 trong khi v\u1eabn s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c vay n\u1ee3 m\u1edbi. \u0110i\u1ec1u n\u00e0y l\u00e0m ch\u1eadm ti\u1ebfn \u0111\u1ed9 v\u00e0 g\u00e2y th\u00eam c\u0103ng th\u1eb3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1eb9o \u0111\u1ec3 c\u1ea7m m\u00e1u<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u00f3ng b\u0103ng th\u1ebb c\u1ee7a b\u1ea1n<\/strong>\u2014theo ngh\u0129a \u0111en, trong m\u1ed9t kh\u1ed1i b\u0103ng<\/li>\n\n\n\n<li><strong>X\u00f3a th\u00f4ng tin th\u1ebb \u0111\u00e3 l\u01b0u<\/strong> t\u1eeb c\u00e1c trang web mua s\u1eafm tr\u1ef1c tuy\u1ebfn<\/li>\n\n\n\n<li><strong>Tr\u00e1nh \u201cMua ngay, tr\u1ea3 ti\u1ec1n sau\u201d<\/strong> d\u1ecbch v\u1ee5 tr\u1eeb khi th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft<\/li>\n\n\n\n<li><strong>S\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t ho\u1eb7c th\u1ebb ghi n\u1ee3<\/strong> \u0111\u1ec3 mua h\u00e0ng<\/li>\n<\/ul>\n\n\n\n<p>Vi\u1ec7c c\u1eaft \u0111\u1ee9t ngu\u1ed3n n\u1ee3 s\u1ebd ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng n\u1ee3 t\u0103ng l\u00ean trong khi b\u1ea1n \u0111ang c\u1ed1 g\u1eafng tr\u1ea3 n\u1ee3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 3: Ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c tr\u1ea3 n\u1ee3<\/h2>\n\n\n\n<p>Kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng ph\u00e1p n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. H\u00e3y ch\u1ecdn ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi t\u00ednh c\u00e1ch c\u1ee7a b\u1ea1n v\u00e0 th\u00fac \u0111\u1ea9y b\u1ea1n ki\u00ean tr\u00ec.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ph\u01b0\u01a1ng ph\u00e1p n\u1ee3 l\u0103n c\u1ea7u tuy\u1ebft<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tr\u1ea3 h\u1ebft <strong>s\u1ed1 d\u01b0 nh\u1ecf nh\u1ea5t<\/strong> \u0110\u1ea7u ti\u00ean<\/li>\n\n\n\n<li>Sau khi thanh to\u00e1n, h\u00e3y chuy\u1ec3n kho\u1ea3n thanh to\u00e1n \u0111\u00f3 v\u00e0o kho\u1ea3n nh\u1ecf nh\u1ea5t ti\u1ebfp theo<\/li>\n\n\n\n<li>Mang l\u1ea1i chi\u1ebfn th\u1eafng nhanh ch\u00f3ng v\u00e0 \u0111\u1ed9ng l\u1ef1c<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ph\u01b0\u01a1ng ph\u00e1p l\u1edf n\u1ee3<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tr\u1ea3 h\u1ebft <strong>l\u00e3i su\u1ea5t cao nh\u1ea5t<\/strong> \u0110\u1ea7u ti\u00ean<\/li>\n\n\n\n<li>Ti\u1ebft ki\u1ec7m nhi\u1ec1u ti\u1ec1n nh\u1ea5t v\u1ec1 l\u00e2u d\u00e0i<\/li>\n\n\n\n<li>Y\u00eau c\u1ea7u nhi\u1ec1u k\u1ef7 lu\u1eadt h\u01a1n nh\u01b0ng mang l\u1ea1i l\u1ee3i nhu\u1eadn nhanh h\u01a1n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1eb9o:<\/h3>\n\n\n\n<p>N\u1ebfu \u0111\u1ed9ng l\u1ef1c l\u00e0 th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t c\u1ee7a b\u1ea1n, h\u00e3y b\u1eaft \u0111\u1ea7u v\u1edbi chi\u1ebfn l\u01b0\u1ee3c l\u0103n c\u1ea7u tuy\u1ebft. N\u1ebfu m\u1ee5c ti\u00eau l\u00e0 ti\u1ebft ki\u1ec7m ti\u1ec1n, h\u00e3y b\u1eaft \u0111\u1ea7u v\u1edbi chi\u1ebfn l\u01b0\u1ee3c l\u1edf tuy\u1ebft.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 4: X\u00e2y d\u1ef1ng ng\u00e2n s\u00e1ch t\u1ed1i thi\u1ec3u<\/h2>\n\n\n\n<p>M\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 <strong>gi\u1ea3i ph\u00f3ng c\u00e0ng nhi\u1ec1u ti\u1ec1n m\u1eb7t c\u00e0ng t\u1ed1t<\/strong> \u0111\u1ec3 tr\u1ea3 n\u1ee3. H\u00e3y b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ed9t b\u1ea3n ng\u00e2n s\u00e1ch \u0111\u01a1n gi\u1ea3n v\u00e0 c\u01a1 b\u1ea3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ch\u1ec9 bao g\u1ed3m:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ti\u1ec1n thu\u00ea nh\u00e0\/th\u1ebf ch\u1ea5p<\/li>\n\n\n\n<li>Ti\u1ec7n \u00edch<\/li>\n\n\n\n<li>H\u00e0ng t\u1ea1p h\u00f3a<\/li>\n\n\n\n<li>V\u1eadn t\u1ea3i<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m<\/li>\n\n\n\n<li>Thanh to\u00e1n n\u1ee3 t\u1ed1i thi\u1ec3u<\/li>\n<\/ul>\n\n\n\n<p>C\u1eaft ho\u1eb7c gi\u1ea3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0102n t\u1ed1i ngo\u00e0i tr\u1eddi<\/li>\n\n\n\n<li>\u0110\u0103ng k\u00fd<\/li>\n\n\n\n<li>S\u1ef1 gi\u1ea3i tr\u00ed<\/li>\n\n\n\n<li>Mua s\u1eafm<\/li>\n<\/ul>\n\n\n\n<p>\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 hy sinh m\u00e3i m\u00e3i m\u00e0 ch\u1ec9 l\u00e0 s\u1ef1 hy sinh ng\u1eafn h\u1ea1n \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c h\u00f2a b\u00ecnh l\u00e2u d\u00e0i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 5: T\u0103ng thu nh\u1eadp c\u1ee7a b\u1ea1n (Th\u1eadm ch\u00ed t\u1ea1m th\u1eddi)<\/h2>\n\n\n\n<p>Thu nh\u1eadp cao h\u01a1n = tr\u1ea3 n\u1ee3 nhanh h\u01a1n. H\u00e3y t\u00ecm c\u00e1ch ki\u1ebfm th\u00eam ti\u1ec1n, d\u00f9 ch\u1ec9 trong v\u00e0i th\u00e1ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00dd t\u01b0\u1edfng ki\u1ebfm th\u00eam thu nh\u1eadp<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u00e0m vi\u1ec7c t\u1ef1 do (vi\u1ebft l\u00e1ch, thi\u1ebft k\u1ebf, v.v.)<\/li>\n\n\n\n<li>L\u00e1i xe cho Uber ho\u1eb7c DoorDash<\/li>\n\n\n\n<li>B\u00e1n \u0111\u1ed3 ch\u01b0a s\u1eed d\u1ee5ng tr\u1ef1c tuy\u1ebfn<\/li>\n\n\n\n<li>Gia s\u01b0 ho\u1eb7c tr\u00f4ng tr\u1ebb<\/li>\n\n\n\n<li>Ch\u0103m s\u00f3c th\u00fa c\u01b0ng ho\u1eb7c d\u1eaft ch\u00f3 \u0111i d\u1ea1o<\/li>\n<\/ul>\n\n\n\n<p>M\u1ed7i $50 ho\u1eb7c $100 b\u1ed5 sung s\u1ebd gi\u00fap b\u1ea1n c\u00e2n b\u1eb1ng nhanh h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 6: \u0110\u00e0m ph\u00e1n v\u1edbi c\u00e1c ch\u1ee7 n\u1ee3<\/h2>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 ng\u1ea1c nhi\u00ean khi bi\u1ebft r\u1eb1ng nhi\u1ec1u b\u00ean cho vay s\u1eb5n s\u00e0ng l\u00e0m vi\u1ec7c v\u1edbi b\u1ea1n, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n t\u1eebng g\u1eb7p kh\u00f3 kh\u0103n ho\u1eb7c c\u00f3 l\u1ecbch s\u1eed thanh to\u00e1n t\u1ed1t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n h\u1ecfi<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u00e3i su\u1ea5t th\u1ea5p h\u01a1n<\/li>\n\n\n\n<li>Mi\u1ec5n ph\u00ed<\/li>\n\n\n\n<li>K\u1ebf ho\u1ea1ch thanh to\u00e1n ho\u1eb7c ho\u00e3n thanh to\u00e1n<\/li>\n\n\n\n<li>Gi\u1ea3i quy\u1ebft s\u1ed1 ti\u1ec1n \u00edt h\u01a1n s\u1ed1 ti\u1ec1n b\u1ea1n n\u1ee3 (ch\u1ec9 l\u00e0 gi\u1ea3i ph\u00e1p cu\u1ed1i c\u00f9ng)<\/li>\n<\/ul>\n\n\n\n<p>H\u00e3y g\u1ecdi \u0111i\u1ec7n v\u00e0 l\u1ecbch s\u1ef1 nh\u01b0ng ki\u00ean quy\u1ebft. Ghi ch\u00e9p l\u1ea1i m\u1ecdi th\u1ee9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 7: S\u1eed d\u1ee5ng ti\u1ec1n tr\u00fang s\u1ed1 m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c<\/h2>\n\n\n\n<p>Kh\u00f4ng n\u00ean chi ti\u00eau ti\u1ec1n ho\u00e0n thu\u1ebf, ti\u1ec1n th\u01b0\u1edfng ho\u1eb7c qu\u00e0 t\u1eb7ng m\u00e0 kh\u00f4ng c\u00f3 k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">S\u1eed d\u1ee5ng th\u00f4ng minh c\u1ee7a ti\u1ec1n tr\u00fang s\u1ed1<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Th\u1ef1c hi\u1ec7n kho\u1ea3n thanh to\u00e1n th\u00eam cho kho\u1ea3n n\u1ee3 c\u00f3 m\u1ee9c \u01b0u ti\u00ean cao nh\u1ea5t c\u1ee7a b\u1ea1n<\/li>\n\n\n\n<li>B\u1eaft \u0111\u1ea7u ho\u1eb7c t\u0103ng qu\u1ef9 kh\u1ea9n c\u1ea5p c\u1ee7a b\u1ea1n<\/li>\n\n\n\n<li>Tr\u1ea3 h\u1ebft m\u1ed9t kho\u1ea3n vay nh\u1ecf<\/li>\n<\/ul>\n\n\n\n<p>H\u00e3y \u0103n m\u1eebng nh\u1eefng chi\u1ebfn th\u1eafng nh\u1ecf, nh\u01b0ng tr\u00e1nh xa s\u1ef1 c\u00e1m d\u1ed7 ti\u00eau x\u00e0i hoang ph\u00ed khi b\u1ea1n \u0111ang \u0111\u1ea1t \u0111\u01b0\u1ee3c ti\u1ebfn b\u1ed9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 8: Tr\u00e1nh b\u1eaby n\u1ee3<\/h2>\n\n\n\n<p>M\u1ed9t s\u1ed1 l\u1ef1a ch\u1ecdn c\u00f3 v\u1ebb h\u1eefu \u00edch, nh\u01b0ng ch\u00fang th\u01b0\u1eddng d\u1eabn \u0111\u1ebfn nhi\u1ec1u v\u1ea5n \u0111\u1ec1 h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">H\u00e3y c\u1ea3nh gi\u00e1c v\u1edbi:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vay ti\u1ec1n tr\u1ea3 l\u01b0\u01a1ng<\/li>\n\n\n\n<li>C\u00e1c kho\u1ea3n vay \u201cs\u1eeda ch\u1eefa nhanh\u201d l\u00e3i su\u1ea5t cao<\/li>\n\n\n\n<li>\u1ee8ng ti\u1ec1n m\u1eb7t t\u1eeb th\u1ebb t\u00edn d\u1ee5ng<\/li>\n\n\n\n<li>Chuy\u1ec3n s\u1ed1 d\u01b0 m\u00e0 kh\u00f4ng hi\u1ec3u r\u00f5 v\u1ec1 ph\u00ed<\/li>\n<\/ul>\n\n\n\n<p>Lu\u00f4n \u0111\u1ecdc k\u1ef9 ph\u1ea7n ch\u1eef nh\u1ecf v\u00e0 tr\u00e1nh b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec c\u00f3 v\u1ebb qu\u00e1 t\u1ed1t \u0111\u1ec3 l\u00e0 s\u1ef1 th\u1eadt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 9: Ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe tinh th\u1ea7n c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>C\u0103ng th\u1eb3ng v\u00ec n\u1ee3 n\u1ea7n l\u00e0 c\u00f3 th\u1eadt. N\u00f3 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u1ea5c ng\u1ee7, c\u00e1c m\u1ed1i quan h\u1ec7 v\u00e0 l\u00f2ng t\u1ef1 tr\u1ecdng c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed1i ph\u00f3<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u00f3i v\u1ec1 n\u00f3<\/strong> v\u1edbi ng\u01b0\u1eddi m\u00e0 b\u1ea1n tin t\u01b0\u1edfng<\/li>\n\n\n\n<li><strong>Th\u1ef1c h\u00e0nh ch\u00e1nh ni\u1ec7m ho\u1eb7c vi\u1ebft nh\u1eadt k\u00fd<\/strong> \u0111\u1ec3 x\u1eed l\u00fd c\u1ea3m x\u00fac<\/li>\n\n\n\n<li><strong>Nh\u1eadn tr\u1ee3 gi\u00fap chuy\u00ean nghi\u1ec7p<\/strong> n\u1ebfu n\u1ed7i lo v\u1ec1 n\u1ee3 n\u1ea7n tr\u1edf n\u00ean kh\u00f4ng th\u1ec3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c<\/li>\n\n\n\n<li><strong>K\u1ef7 ni\u1ec7m nh\u1eefng c\u1ed9t m\u1ed1c quan tr\u1ecdng<\/strong>\u2014d\u00f9 nh\u1ecf b\u00e9 \u0111\u1ebfn \u0111\u00e2u<\/li>\n<\/ul>\n\n\n\n<p>B\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 m\u00f3n n\u1ee3 c\u1ee7a ch\u00ednh m\u00ecnh. \u0110\u00e2y ch\u1ec9 l\u00e0 t\u00ecnh hu\u1ed1ng t\u1ea1m th\u1eddi, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 danh t\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u01b0\u1edbc 10: Gi\u1eef v\u1eefng s\u1ef1 nh\u1ea5t qu\u00e1n v\u00e0 tha th\u1ee9 cho nh\u1eefng sai l\u1ea7m<\/h2>\n\n\n\n<p>B\u1ea1n s\u1ebd g\u1eb7p ph\u1ea3i nh\u1eefng tr\u1edf ng\u1ea1i tr\u00ean \u0111\u01b0\u1eddng \u0111\u1eddi. B\u1ea1n c\u00f3 th\u1ec3 chi ti\u00eau qu\u00e1 m\u1ee9c, b\u1ecf l\u1ee1 m\u1ed9t kho\u1ea3n thanh to\u00e1n ho\u1eb7c c\u1ea3m th\u1ea5y n\u1ea3n l\u00f2ng. \u0110\u1eebng b\u1ecf cu\u1ed9c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1eb9o \u0111\u1ec3 gi\u1eef v\u1eefng m\u1ee5c ti\u00eau<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Xem l\u1ea1i ng\u00e2n s\u00e1ch c\u1ee7a b\u1ea1n h\u00e0ng tu\u1ea7n<\/li>\n\n\n\n<li>Theo d\u00f5i ti\u1ebfn tr\u00ecnh c\u1ee7a b\u1ea1n m\u1ed9t c\u00e1ch tr\u1ef1c quan (bi\u1ec3u \u0111\u1ed3, \u1ee9ng d\u1ee5ng ho\u1eb7c ghi ch\u00fa)<\/li>\n\n\n\n<li>Xem l\u1ea1i &quot;l\u00fd do&quot; c\u1ee7a b\u1ea1n th\u01b0\u1eddng xuy\u00ean<\/li>\n\n\n\n<li>Tham gia c\u1ed9ng \u0111\u1ed3ng tr\u1ef1c tuy\u1ebfn kh\u00f4ng n\u1ee3 n\u1ea7n \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3<\/li>\n<\/ul>\n\n\n\n<p>S\u1ef1 ti\u1ebfn b\u1ed9 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng di\u1ec5n ra theo \u0111\u01b0\u1eddng th\u1eb3ng, nh\u01b0ng lu\u00f4n \u0111\u00e1ng gi\u00e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Suy ngh\u0129 cu\u1ed1i c\u00f9ng: B\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/h2>\n\n\n\n<p>Tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n kh\u00f4ng ph\u1ea3i chuy\u1ec7n m\u1ed9t s\u1edbm m\u1ed9t chi\u1ec1u. Nh\u01b0ng v\u1edbi n\u1ed7 l\u1ef1c b\u1ec1n b\u1ec9, chi\u1ebfn l\u01b0\u1ee3c th\u00f4ng minh v\u00e0 t\u01b0 duy \u0111\u00fang \u0111\u1eafn, \u0111i\u1ec1u \u0111\u00f3 ch\u1eafc ch\u1eafn s\u1ebd th\u00e0nh hi\u1ec7n th\u1ef1c.<\/p>\n\n\n\n<p>T\u1eadp trung v\u00e0o s\u1ef1 ti\u1ebfn b\u1ed9, ch\u1ee9 kh\u00f4ng ph\u1ea3i s\u1ef1 ho\u00e0n h\u1ea3o. H\u00e3y tr\u00e2n tr\u1ecdng k\u1ef7 lu\u1eadt c\u1ee7a b\u1ea1n. V\u00e0 th\u01b0\u1eddng xuy\u00ean nh\u1eafc nh\u1edf b\u1ea3n th\u00e2n: <strong>t\u1ef1 do n\u1eb1m \u1edf ph\u00eda b\u00ean kia c\u1ee7a cu\u1ed9c h\u00e0nh tr\u00ecnh n\u00e0y<\/strong>.<\/p>\n\n\n\n<p>B\u1ea1n kh\u00f4ng b\u1ecb m\u1eafc k\u1eb9t. B\u1ea1n \u0111ang chuy\u1ec3n \u0111\u1ed9ng\u2014v\u00e0 m\u1ed7i kho\u1ea3n thanh to\u00e1n l\u1ea1i ti\u1ebfn g\u1ea7n h\u01a1n \u0111\u1ebfn s\u1ef1 an to\u00e0n v\u1ec1 t\u00e0i ch\u00ednh.<\/p>","protected":false},"excerpt":{"rendered":"<p>N\u1ee3 n\u1ea7n c\u00f3 th\u1ec3 gi\u1ed1ng nh\u01b0 m\u1ed9t g\u00e1nh n\u1eb7ng \u0111\u00e8 l\u00ean b\u1ea1n. D\u00f9 l\u00e0 n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, n\u1ee3 c\u00e1 nh\u00e2n hay n\u1ee3 sinh vi\u00ean, vi\u1ec7c m\u1eafc n\u1ee3 lu\u00f4n g\u00e2y c\u0103ng th\u1eb3ng, cho\u00e1ng ng\u1ee3p v\u00e0 th\u01b0\u1eddng g\u00e2y hoang mang. Nh\u01b0ng tin t\u1ed1t l\u00e0: b\u1ea1n c\u00f3 th\u1ec3 tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i hy sinh s\u1ee9c kh\u1ecfe tinh th\u1ea7n. H\u01b0\u1edbng d\u1eabn n\u00e0y s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n\u2026 <a title=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n m\u00e0 kh\u00f4ng m\u1ea5t tr\u00ed\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-get-out-of-debt-without-losing-your-mind\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Get Out of Debt Without Losing Your Mind\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[31,10,7,24],"class_list":["post-210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-golden-tips","tag-beginners","tag-golden-tips","tag-money","tag-set-financial"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/210","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=210"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/210\/revisions"}],"predecessor-version":[{"id":212,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/210\/revisions\/212"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/211"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}