{"id":24,"date":"2025-07-14T20:38:58","date_gmt":"2025-07-14T20:38:58","guid":{"rendered":"https:\/\/techsmoney.com\/?p=24"},"modified":"2025-07-14T22:03:06","modified_gmt":"2025-07-14T22:03:06","slug":"how-to-organize-your-personal-finances-a-complete-beginners-guide","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-organize-your-personal-finances-a-complete-beginners-guide\/","title":{"rendered":"C\u00e1ch s\u1eafp x\u1ebfp t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: H\u01b0\u1edbng d\u1eabn d\u00e0nh cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u"},"content":{"rendered":"<p>Qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c l\u00e0 m\u1ed9t trong nh\u1eefng k\u1ef9 n\u0103ng s\u1ed1ng thi\u1ebft y\u1ebfu nh\u1ea5t, nh\u01b0ng l\u1ea1i hi\u1ebfm khi \u0111\u01b0\u1ee3c d\u1ea1y \u1edf tr\u01b0\u1eddng. Cho d\u00f9 b\u1ea1n \u0111ang b\u1eaft \u0111\u1ea7u c\u00f4ng vi\u1ec7c \u0111\u1ea7u ti\u00ean, \u0111ang c\u1ed1 g\u1eafng tr\u1ea3 n\u1ee3, hay \u0111\u01a1n gi\u1ea3n l\u00e0 mu\u1ed1n l\u00e0m ch\u1ee7 t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, vi\u1ec7c hi\u1ec3u c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean v\u00e0 quan tr\u1ecdng nh\u1ea5t.<\/p>\n\n\n\n<p>Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n m\u1ecdi th\u1ee9 c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1eaft \u0111\u1ea7u, t\u1eeb vi\u1ec7c theo d\u00f5i thu nh\u1eadp v\u00e0 chi ph\u00ed cho \u0111\u1ebfn vi\u1ec7c \u0111\u1eb7t m\u1ee5c ti\u00eau v\u00e0 x\u00e2y d\u1ef1ng th\u00f3i quen t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hi\u1ec3u r\u00f5 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>Tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 ti\u1ebfn l\u00ean, b\u1ea1n c\u1ea7n bi\u1ebft t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m hai h\u00e0nh \u0111\u1ed9ng ch\u00ednh:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Theo d\u00f5i thu nh\u1eadp c\u1ee7a b\u1ea1n<\/h4>\n\n\n\n<p>B\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 c\u00e1c ngu\u1ed3n thu nh\u1eadp. \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 th\u1ee5 \u0111\u1ed9ng (nh\u01b0 c\u1ed5 t\u1ee9c ho\u1eb7c ti\u1ec1n thu\u00ea nh\u00e0)<\/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<\/strong> s\u1ed1 ti\u1ec1n th\u1ef1c s\u1ef1 v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n sau khi tr\u1eeb thu\u1ebf v\u00e0 c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bi\u1ebft chi ph\u00ed c\u1ee7a b\u1ea1n<\/h4>\n\n\n\n<p>Vi\u1ebft xu\u1ed1ng <strong>m\u1ecdi th\u1ee9 b\u1ea1n chi ti\u1ec1n v\u00e0o<\/strong>. B\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng nh\u01b0 Mint ho\u1eb7c YNAB<\/li>\n\n\n\n<li>M\u1ed9t b\u1ea3ng t\u00ednh<\/li>\n\n\n\n<li>M\u1ed9t cu\u1ed1n s\u1ed5 tay vi\u1ebft tay<\/li>\n<\/ul>\n\n\n\n<p>Chia chi ph\u00ed c\u1ee7a b\u1ea1n th\u00e0nh hai lo\u1ea1i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed c\u1ed1 \u0111\u1ecbnh<\/strong> (ti\u1ec1n thu\u00ea nh\u00e0, tr\u1ea3 n\u1ee3 vay, b\u1ea3o hi\u1ec3m)<\/li>\n\n\n\n<li><strong>Chi ph\u00ed bi\u1ebfn \u0111\u1ed5i<\/strong> (h\u00e0ng t\u1ea1p h\u00f3a, \u0103n u\u1ed1ng, gi\u1ea3i tr\u00ed)<\/li>\n<\/ul>\n\n\n\n<p>Theo d\u00f5i trong \u00edt nh\u1ea5t m\u1ed9t th\u00e1ng s\u1ebd gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn r\u00f5 n\u00e9t v\u1ec1 th\u00f3i quen chi ti\u00eau c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1o m\u1ed9t ng\u00e2n s\u00e1ch th\u1ef1c t\u1ebf<\/h3>\n\n\n\n<p>Khi b\u1ea1n \u0111\u00e3 bi\u1ebft thu nh\u1eadp v\u00e0 chi ph\u00ed c\u1ee7a m\u00ecnh, \u0111\u00e3 \u0111\u1ebfn l\u00fac l\u1eadp ng\u00e2n s\u00e1ch. M\u1ed9t kh\u1edfi \u0111\u1ea7u t\u1ed1t l\u00e0 <strong>Quy t\u1eafc 50\/30\/20<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50%<\/strong> cho nhu c\u1ea7u (nh\u00e0 \u1edf, th\u1ef1c ph\u1ea9m, giao th\u00f4ng)<\/li>\n\n\n\n<li><strong>30%<\/strong> cho nhu c\u1ea7u (\u0111\u0103ng k\u00fd, \u0103n ngo\u00e0i)<\/li>\n\n\n\n<li><strong>20%<\/strong> \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 tr\u1ea3 n\u1ee3<\/li>\n<\/ul>\n\n\n\n<p>\u0110\u00e2y ch\u1ec9 l\u00e0 h\u01b0\u1edbng d\u1eabn \u2014 h\u00e3y \u0111i\u1ec1u ch\u1ec9nh sao cho ph\u00f9 h\u1ee3p v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n, nh\u01b0ng h\u00e3y \u0111\u1ea3m b\u1ea3o b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m ch\u1ee9 kh\u00f4ng chi ti\u00eau qu\u00e1 m\u1ee9c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">X\u00e2y d\u1ef1ng m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p<\/h3>\n\n\n\n<p>Nh\u1eefng chi ph\u00ed b\u1ea5t ng\u1edd nh\u01b0 h\u00f3a \u0111\u01a1n y t\u1ebf, s\u1eeda ch\u1eefa xe h\u01a1i, ho\u1eb7c m\u1ea5t vi\u1ec7c c\u00f3 th\u1ec3 l\u00e0m ch\u1ec7ch h\u01b0\u1edbng ti\u1ebfn tr\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao vi\u1ec7c t\u1ea1o m\u1ed9t qu\u1ef9 kh\u1ea9n c\u1ea5p l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ti\u1ebft ki\u1ec7m bao nhi\u00eau<\/h4>\n\n\n\n<p>M\u1ee5c ti\u00eau h\u01b0\u1edbng t\u1edbi <strong>3 \u0111\u1ebfn 6 th\u00e1ng chi ph\u00ed thi\u1ebft y\u1ebfu<\/strong>. B\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng kho\u1ea3n nh\u1ecf, ti\u1ebft ki\u1ec7m $500 c\u0169ng l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ec7m m\u1ea1nh m\u1ebd.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">N\u01a1i \u0111\u1ec3 gi\u1eef n\u00f3<\/h4>\n\n\n\n<p>S\u1eed d\u1ee5ng m\u1ed9t <strong>t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e3i su\u1ea5t cao<\/strong> v\u00ec v\u1eady ti\u1ec1n c\u1ee7a b\u1ea1n v\u1eabn sinh l\u00e3i nh\u01b0ng v\u1eabn d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng<\/h3>\n\n\n\n<p>Vi\u1ec7c c\u00f3 m\u1ee5c ti\u00eau s\u1ebd gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n c\u00f3 m\u1ee5c \u0111\u00edch. M\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Thanh to\u00e1n n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng<\/li>\n\n\n\n<li>Ti\u1ebft ki\u1ec7m cho k\u1ef3 ngh\u1ec9<\/li>\n\n\n\n<li>Mua xe ho\u1eb7c mua nh\u00e0<\/li>\n\n\n\n<li>X\u00e2y d\u1ef1ng qu\u1ef9 ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed<\/li>\n<\/ul>\n\n\n\n<p>S\u1eed d\u1ee5ng <strong>TH\u00d4NG MINH<\/strong> khung:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>C\u1ee5 th\u1ec3<\/strong><\/li>\n\n\n\n<li><strong>C\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c<\/strong><\/li>\n\n\n\n<li><strong>C\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c<\/strong><\/li>\n\n\n\n<li><strong>Li\u00ean quan<\/strong><\/li>\n\n\n\n<li><strong>C\u00f3 gi\u1edbi h\u1ea1n th\u1eddi gian<\/strong><\/li>\n<\/ul>\n\n\n\n<p>V\u00ed d\u1ee5: \u201cTi\u1ebft ki\u1ec7m $3.000 cho chuy\u1ebfn \u0111i \u0111\u1ebfn Ch\u00e2u \u00c2u v\u00e0o th\u00e1ng 12\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 \u0111\u01a1n gi\u1ea3n h\u00f3a<\/h3>\n\n\n\n<p>T\u1ef1 \u0111\u1ed9ng h\u00f3a gi\u00fap t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m<\/li>\n\n\n\n<li>S\u1eed d\u1ee5ng thanh to\u00e1n h\u00f3a \u0111\u01a1n t\u1ef1 \u0111\u1ed9ng \u0111\u1ec3 tr\u00e1nh ph\u00ed tr\u1ea3 ch\u1eadm<\/li>\n\n\n\n<li>Theo d\u00f5i chi ti\u00eau b\u1eb1ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh<\/li>\n<\/ul>\n\n\n\n<p>Nh\u1eefng b\u01b0\u1edbc nh\u1ecf nh\u01b0 th\u1ebf n\u00e0y gi\u00fap gi\u1ea3m c\u0103ng th\u1eb3ng v\u00e0 gi\u00fap b\u1ea1n ki\u00ean tr\u00ec.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gi\u1ea3m chi ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft<\/h3>\n\n\n\n<p>H\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u00f3 th\u1ec3 t\u00ecm ra \u00edt nh\u1ea5t m\u1ed9t v\u00e0i c\u00e1ch \u0111\u1ec3 c\u1eaft gi\u1ea3m chi ph\u00ed. H\u00e3y t\u1ef1 h\u1ecfi b\u1ea3n th\u00e2n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00f4i c\u00f3 th\u1ef1c s\u1ef1 s\u1eed d\u1ee5ng h\u1ebft t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 ph\u00e1t tr\u1ef1c tuy\u1ebfn kh\u00f4ng?<\/li>\n\n\n\n<li>T\u00f4i c\u00f3 th\u1ec3 n\u1ea5u \u0103n \u1edf nh\u00e0 th\u01b0\u1eddng xuy\u00ean h\u01a1n kh\u00f4ng?<\/li>\n\n\n\n<li>T\u00f4i c\u00f3 ph\u1ea3i tr\u1ea3 qu\u00e1 nhi\u1ec1u ph\u00ed \u0111\u0103ng k\u00fd ho\u1eb7c ph\u00ed ng\u00e2n h\u00e0ng kh\u00f4ng?<\/li>\n<\/ul>\n\n\n\n<p>H\u1ee7y c\u00e1c d\u1ecbch v\u1ee5 kh\u00f4ng s\u1eed d\u1ee5ng v\u00e0 chuy\u1ec3n sang c\u00e1c d\u1ecbch v\u1ee5 thay th\u1ebf r\u1ebb h\u01a1n n\u1ebfu c\u00f3 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tr\u1ea3 n\u1ee3 m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c<\/h3>\n\n\n\n<p>N\u1ee3 n\u1ea7n c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t tr\u1edf ng\u1ea1i l\u1edbn \u0111\u1ed1i v\u1edbi s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh. H\u00e3y t\u1eadp trung tr\u1ea3 n\u1ee3 b\u1eb1ng m\u1ed9t trong nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u1ee3 l\u0103n c\u1ea7u tuy\u1ebft<\/strong>: Tr\u1ea3 h\u1ebft nh\u1eefng kho\u1ea3n n\u1ee3 nh\u1ecf nh\u1ea5t tr\u01b0\u1edbc \u0111\u1ec3 c\u00f3 \u0111\u1ed9ng l\u1ef1c<\/li>\n\n\n\n<li><strong>L\u1edf n\u1ee3<\/strong>: Tr\u1ea3 h\u1ebft c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao nh\u1ea5t tr\u01b0\u1edbc \u0111\u1ec3 ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n<\/li>\n<\/ul>\n\n\n\n<p>C\u1ea3 hai chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec1u hi\u1ec7u qu\u1ea3 - h\u00e3y ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c gi\u00fap b\u1ea1n ki\u00ean tr\u00ec.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1eaft \u0111\u1ea7u ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/h3>\n\n\n\n<p>Kh\u00f4ng bao gi\u1edd l\u00e0 qu\u00e1 s\u1edbm \u0111\u1ec3 \u0111\u1ea7u t\u01b0. Ngay c\u1ea3 nh\u1eefng kho\u1ea3n ti\u1ec1n nh\u1ecf c\u0169ng t\u0103ng l\u00ean theo th\u1eddi gian nh\u1edd <strong>l\u00e3i k\u00e9p<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">B\u1eaft \u0111\u1ea7u v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 \u0111\u01a1n gi\u1ea3n<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e3i su\u1ea5t cao<\/strong> cho c\u00e1c m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n<\/li>\n\n\n\n<li><strong>Roth IRA ho\u1eb7c 401(k)<\/strong> cho ngh\u1ec9 h\u01b0u<\/li>\n\n\n\n<li><strong>Qu\u1ef9 ch\u1ec9 s\u1ed1 ho\u1eb7c ETF<\/strong> \u0111\u1ec3 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u0110\u1eebng c\u1ed1 g\u1eafng t\u00ednh to\u00e1n th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng<\/h4>\n\n\n\n<p>\u0110\u1ea7u t\u01b0 kh\u00f4ng ph\u1ea3i l\u00e0 may m\u1eafn m\u00e0 l\u00e0 s\u1ef1 ki\u00ean tr\u00ec. H\u00e3y b\u1eaft \u0111\u1ea7u ngay b\u00e2y gi\u1edd, d\u00f9 s\u1ed1 ti\u1ec1n c\u00f2n nh\u1ecf, v\u00e0 t\u1eadp trung v\u00e0o d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh th\u01b0\u1eddng xuy\u00ean<\/h3>\n\n\n\n<p>Cu\u1ed9c s\u1ed1ng thay \u0111\u1ed5i \u2014 v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n c\u0169ng v\u1eady. H\u00e3y xem x\u00e9t l\u1ea1i ng\u00e2n s\u00e1ch, m\u1ee5c ti\u00eau v\u00e0 chi ti\u00eau c\u1ee7a b\u1ea1n \u00edt nh\u1ea5t m\u1ed7i th\u00e1ng m\u1ed9t l\u1ea7n.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Thu nh\u1eadp c\u1ee7a b\u1ea1n c\u00f3 thay \u0111\u1ed5i kh\u00f4ng?<\/li>\n\n\n\n<li>B\u1ea1n c\u00f3 chi ti\u00eau qu\u00e1 m\u1ee9c \u1edf b\u1ea5t k\u1ef3 l\u0129nh v\u1ef1c n\u00e0o kh\u00f4ng?<\/li>\n\n\n\n<li>B\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n trong th\u00e1ng n\u00e0y kh\u00f4ng?<\/li>\n<\/ul>\n\n\n\n<p>T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 \u201cthi\u1ebft l\u1eadp r\u1ed3i qu\u00ean \u0111i\u201d. \u0110\u00f3 l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh li\u00ean t\u1ee5c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Suy ngh\u0129 cu\u1ed1i c\u00f9ng: Ki\u1ec3m so\u00e1t t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>Vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00f4ng \u0111\u00f2i h\u1ecfi b\u1eb1ng c\u1ea5p t\u00e0i ch\u00ednh, m\u00e0 ch\u1ec9 c\u1ea7n b\u1ea1n s\u1eb5n s\u00e0ng h\u1ecdc h\u1ecfi v\u00e0 h\u00e0nh \u0111\u1ed9ng nh\u1ea5t qu\u00e1n. V\u1edbi th\u1eddi gian, k\u1ef7 lu\u1eadt v\u00e0 th\u00f4ng tin \u0111\u00fang \u0111\u1eafn, b\u1ea1n s\u1ebd kh\u00f4ng ch\u1ec9 tr\u00e1nh kh\u1ecfi n\u1ee3 n\u1ea7n m\u00e0 c\u00f2n x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c s\u1ef1 gi\u00e0u c\u00f3, an to\u00e0n v\u00e0 an t\u00e2m.<\/p>\n\n\n\n<p>H\u00e3y b\u1eaft \u0111\u1ea7u ngay h\u00f4m nay, t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n s\u1ebd c\u1ea3m \u01a1n b\u1ea1n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c l\u00e0 m\u1ed9t trong nh\u1eefng k\u1ef9 n\u0103ng s\u1ed1ng thi\u1ebft y\u1ebfu nh\u1ea5t, nh\u01b0ng hi\u1ebfm khi \u0111\u01b0\u1ee3c d\u1ea1y \u1edf tr\u01b0\u1eddng. Cho d\u00f9 b\u1ea1n \u0111ang b\u1eaft \u0111\u1ea7u c\u00f4ng vi\u1ec7c \u0111\u1ea7u ti\u00ean, \u0111ang c\u1ed1 g\u1eafng tr\u1ea3 n\u1ee3, hay \u0111\u01a1n gi\u1ea3n l\u00e0 mu\u1ed1n l\u00e0m ch\u1ee7 t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, vi\u1ec7c hi\u1ec3u c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean v\u00e0 quan tr\u1ecdng nh\u1ea5t. Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i s\u1ebd\u2026 <a title=\"How to Organize Your Personal Finances: A Complete Beginner&#8217;s Guide\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-organize-your-personal-finances-a-complete-beginners-guide\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Organize Your Personal Finances: A Complete Beginner&#8217;s Guide\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":25,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[4,3,5,2],"class_list":["post-24","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","tag-apps-finances","tag-finances","tag-finances-news","tag-personal-finances"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/24","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=24"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/24\/revisions"}],"predecessor-version":[{"id":26,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/24\/revisions\/26"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/25"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}