{"id":48,"date":"2025-07-16T22:18:58","date_gmt":"2025-07-16T22:18:58","guid":{"rendered":"https:\/\/techsmoney.com\/?p=48"},"modified":"2025-07-16T22:18:58","modified_gmt":"2025-07-16T22:18:58","slug":"how-to-save-for-a-big-purchase-without-going-into-debt","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-save-for-a-big-purchase-without-going-into-debt\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn m\u00e0 kh\u00f4ng ph\u1ea3i m\u1eafc n\u1ee3"},"content":{"rendered":"<p>Ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn, ch\u1eb3ng h\u1ea1n nh\u01b0 xe h\u01a1i, k\u1ef3 ngh\u1ec9, hay nh\u00e0 c\u1eeda, c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 kh\u00f3 kh\u0103n, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi b\u1ea1n c\u1ea3m th\u1ea5y m\u00ecnh li\u00ean t\u1ee5c ph\u1ea3i xoay x\u1edf v\u1edbi c\u00e1c tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh kh\u00e1c. S\u1ef1 c\u00e1m d\u1ed7 vay n\u1ee3 v\u00e0 mua s\u1eafm tr\u01b0\u1edbc, tr\u1ea3 ti\u1ec1n sau c\u00f3 th\u1ec3 r\u1ea5t m\u1ea1nh m\u1ebd, nh\u01b0ng ch\u1ec9 c\u1ea7n m\u1ed9t ch\u00fat l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 k\u1ef7 lu\u1eadt, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u1ee7 ti\u1ec1n cho kho\u1ea3n mua s\u1eafm l\u1edbn \u0111\u00f3 m\u00e0 kh\u00f4ng c\u1ea7n d\u1ef1a v\u00e0o t\u00edn d\u1ee5ng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3 v\u00e0 tr\u00e1nh n\u1ee3 n\u1ea7n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u0110\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m r\u00f5 r\u00e0ng<\/h2>\n\n\n\n<p>B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn l\u00e0 \u0111\u1eb7t ra m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m r\u00f5 r\u00e0ng v\u00e0 th\u1ef1c t\u1ebf. X\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c nh\u1eefng g\u00ec b\u1ea1n mu\u1ed1n mua v\u00e0 chi ph\u00ed cho n\u00f3. Vi\u1ec7c c\u00f3 m\u1ed9t m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 s\u1ebd gi\u00fap b\u1ea1n duy tr\u00ec s\u1ef1 t\u1eadp trung v\u00e0 \u0111\u1ed9ng l\u1ef1c trong su\u1ed1t qu\u00e1 tr\u00ecnh ti\u1ebft ki\u1ec7m.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m ti\u1ec1n mua \u00f4 t\u00f4, h\u00e3y t\u00ecm hi\u1ec3u chi ph\u00ed c\u1ee7a chi\u1ebfc xe, bao g\u1ed3m thu\u1ebf, ph\u00ed v\u00e0 b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m cho m\u1ed9t k\u1ef3 ngh\u1ec9, h\u00e3y \u01b0\u1edbc t\u00ednh s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n cho v\u00e9 m\u00e1y bay, ch\u1ed7 \u1edf v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c. Khi \u0111\u00e3 c\u00f3 con s\u1ed1 r\u00f5 r\u00e0ng, h\u00e3y chia nh\u1ecf th\u00e0nh c\u00e1c m\u1ee5c ti\u00eau nh\u1ecf h\u01a1n, d\u1ec5 qu\u1ea3n l\u00fd h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. L\u1eadp ng\u00e2n s\u00e1ch v\u00e0 x\u00e1c \u0111\u1ecbnh c\u01a1 h\u1ed9i ti\u1ebft ki\u1ec7m<\/h2>\n\n\n\n<p>\u0110\u1ec3 ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n chi ti\u00eau l\u1edbn, b\u1ea1n c\u1ea7n ph\u1ea3i gi\u1ea3i ph\u00f3ng ti\u1ec1n trong ng\u00e2n s\u00e1ch. H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch xem x\u00e9t thu nh\u1eadp v\u00e0 chi ti\u00eau c\u1ee7a b\u1ea1n \u0111\u1ec3 xem b\u1ea1n c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m nh\u1eefng kho\u1ea3n n\u00e0o. X\u00e1c \u0111\u1ecbnh nh\u1eefng kho\u1ea3n chi ti\u00eau kh\u00f4ng c\u1ea7n thi\u1ebft m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 gi\u1ea3m b\u1edbt ho\u1eb7c lo\u1ea1i b\u1ecf, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0103n u\u1ed1ng ngo\u00e0i h\u00e0ng, gi\u1ea3i tr\u00ed ho\u1eb7c d\u1ecbch v\u1ee5 \u0111\u0103ng k\u00fd.<\/p>\n\n\n\n<p>Sau khi x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m, h\u00e3y ph\u00e2n b\u1ed5 s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u00f3 cho m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n. V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n th\u01b0\u1eddng chi $200 m\u1ed7i th\u00e1ng cho vi\u1ec7c \u0103n u\u1ed1ng ngo\u00e0i h\u00e0ng, h\u00e3y gi\u1ea3m xu\u1ed1ng c\u00f2n $100 v\u00e0 chuy\u1ec3n s\u1ed1 ti\u1ec1n $100 c\u00f2n l\u1ea1i v\u00e0o m\u1ee5c ti\u1ebft ki\u1ec7m. B\u1ea1n c\u00e0ng c\u1eaft gi\u1ea3m \u0111\u01b0\u1ee3c nhi\u1ec1u, b\u1ea1n c\u00e0ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau nhanh h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. M\u1edf m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ri\u00eang<\/h2>\n\n\n\n<p>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i t\u00e1ch ri\u00eang kho\u1ea3n ti\u1ebft ki\u1ec7m cho nh\u1eefng kho\u1ea3n mua s\u1eafm l\u1edbn v\u1edbi t\u00e0i kho\u1ea3n thanh to\u00e1n th\u00f4ng th\u01b0\u1eddng ho\u1eb7c t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m kh\u1ea9n c\u1ea5p. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n gi\u1ea3m b\u1edbt s\u1ef1 c\u00e1m d\u1ed7 r\u00fat ti\u1ec1n ti\u1ebft ki\u1ec7m cho nh\u1eefng chi ti\u00eau kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 gi\u00fap b\u1ea1n t\u1eadp trung v\u00e0o m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p>H\u00e3y c\u00e2n nh\u1eafc m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m chuy\u00ean d\u1ee5ng cho giao d\u1ecbch mua n\u00e0y. Nhi\u1ec1u ng\u00e2n h\u00e0ng cung c\u1ea5p t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m l\u00e3i su\u1ea5t cao v\u1edbi l\u00e3i su\u1ea5t t\u1ed1t h\u01a1n, gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n t\u0103ng tr\u01b0\u1edfng nhanh h\u01a1n. H\u00e3y t\u00ecm m\u1ed9t t\u00e0i kho\u1ea3n kh\u00f4ng m\u1ea5t ph\u00ed v\u00e0 d\u1ec5 d\u00e0ng truy c\u1eadp khi b\u1ea1n c\u1ea7n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. T\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng c\u00e1ch d\u1ec5 nh\u1ea5t \u0111\u1ec3 duy tr\u00ec m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n l\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p. H\u00e3y thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n tr\u1ef1c ti\u1ebfp t\u1eeb ti\u1ec1n l\u01b0\u01a1ng v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c l\u00ean l\u1ecbch chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng h\u00e0ng th\u00e1ng. T\u1ef1 \u0111\u1ed9ng h\u00f3a kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n d\u00e0nh d\u1ee5m \u0111\u01b0\u1ee3c ti\u1ec1n, ngay c\u1ea3 khi cu\u1ed9c s\u1ed1ng b\u1eadn r\u1ed9n.<\/p>\n\n\n\n<p>N\u1ebfu c\u00f4ng ty c\u1ee7a b\u1ea1n cung c\u1ea5p c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng ho\u1eb7c b\u1ea1n s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng ti\u1ebft ki\u1ec7m nh\u01b0 Acorns ho\u1eb7c Qapital, b\u1ea1n c\u00f3 th\u1ec3 thi\u1ebft l\u1eadp c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u1ef1 \u0111\u1ed9ng cho m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh. Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m d\u1ec5 d\u00e0ng h\u01a1n v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n m\u1ee5c ti\u00eau d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. T\u00ecm c\u00e1ch ki\u1ebfm th\u00eam thu nh\u1eadp<\/h2>\n\n\n\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m nhanh h\u01a1n, h\u00e3y c\u00e2n nh\u1eafc t\u00ecm c\u00e1ch ki\u1ebfm th\u00eam thu nh\u1eadp. C\u00f3 r\u1ea5t nhi\u1ec1u c\u00f4ng vi\u1ec7c ph\u1ee5 v\u00e0 c\u01a1 h\u1ed9i l\u00e0m vi\u1ec7c t\u1ef1 do c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n t\u0103ng s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m, ch\u1eb3ng h\u1ea1n nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u00e0m vi\u1ec7c t\u1ef1 do trong l\u0129nh v\u1ef1c chuy\u00ean m\u00f4n c\u1ee7a b\u1ea1n (vi\u1ebft l\u00e1ch, thi\u1ebft k\u1ebf \u0111\u1ed3 h\u1ecda, ph\u00e1t tri\u1ec3n web)<\/li>\n\n\n\n<li>Cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 tr\u00f4ng tr\u1ebb, d\u1eaft ch\u00f3 \u0111i d\u1ea1o ho\u1eb7c d\u1ecdn d\u1eb9p nh\u00e0 c\u1eeda<\/li>\n\n\n\n<li>B\u00e1n nh\u1eefng \u0111\u1ed3 v\u1eadt kh\u00f4ng d\u00f9ng \u0111\u1ebfn trong nh\u00e0<\/li>\n\n\n\n<li>L\u00e1i xe cho d\u1ecbch v\u1ee5 \u0111i chung xe nh\u01b0 Uber ho\u1eb7c Lyft<\/li>\n\n\n\n<li>L\u00e0m vi\u1ec7c b\u00e1n th\u1eddi gian trong l\u0129nh v\u1ef1c b\u00e1n l\u1ebb ho\u1eb7c kh\u00e1ch s\u1ea1n<\/li>\n<\/ul>\n\n\n\n<p>B\u1eb1ng c\u00e1ch t\u0103ng thu nh\u1eadp, b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng t\u1ed1c \u0111\u1ed9 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau nhanh h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Theo d\u00f5i ti\u1ebfn tr\u00ecnh c\u1ee7a b\u1ea1n v\u00e0 duy tr\u00ec \u0111\u1ed9ng l\u1ef1c<\/h2>\n\n\n\n<p>Khi ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n chi ti\u00eau l\u1edbn, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i theo d\u00f5i ti\u1ebfn \u0111\u1ed9 v\u00e0 duy tr\u00ec \u0111\u1ed9ng l\u1ef1c. Th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ec3 xem b\u1ea1n \u0111\u00e3 t\u00edch l\u0169y \u0111\u01b0\u1ee3c bao nhi\u00eau v\u00e0 c\u00f2n bao nhi\u00eau m\u1ee5c ti\u00eau n\u1eefa. H\u00e3y \u0103n m\u1eebng nh\u1eefng c\u1ed9t m\u1ed1c nh\u1ecf tr\u00ean h\u00e0nh tr\u00ecnh n\u00e0y, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0111\u1ea1t \u0111\u01b0\u1ee3c 25% ho\u1eb7c 50% trong m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n th\u1ea5y n\u1ea3n l\u00f2ng, h\u00e3y t\u1ef1 nh\u1eafc nh\u1edf b\u1ea3n th\u00e2n v\u1ec1 l\u00fd do t\u1ea1i sao b\u1ea1n ti\u1ebft ki\u1ec7m. H\u00e3y h\u00ecnh dung c\u1ea3m gi\u00e1c khi mua s\u1eafm m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 n\u1ee3, v\u00e0 d\u00f9ng \u0111\u1ed9ng l\u1ef1c \u0111\u00f3 \u0111\u1ec3 ti\u1ebfp t\u1ee5c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. Tr\u00e1nh xa c\u00e1m d\u1ed7 v\u00e0 gi\u1eef k\u1ef7 lu\u1eadt<\/h2>\n\n\n\n<p>Ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn \u0111\u00f2i h\u1ecfi t\u00ednh k\u1ef7 lu\u1eadt. Trong qu\u00e1 tr\u00ecnh n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng c\u00e1m d\u1ed7 chi ti\u00eau s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o nh\u1eefng vi\u1ec7c kh\u00e1c. Cho d\u00f9 \u0111\u00f3 l\u00e0 \u0111\u1ee3t gi\u1ea3m gi\u00e1 cho m\u1ed9t m\u00f3n \u0111\u1ed3 b\u1ea1n \u0111\u00e3 \u0111\u1ec3 m\u1eaft \u0111\u1ebfn hay m\u1ed9t c\u01a1n th\u00e8m mu\u1ed1n t\u1ef1 th\u01b0\u1edfng cho b\u1ea3n th\u00e2n, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i t\u1eadp trung v\u00e0o m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n th\u1ea5y kh\u00f3 c\u01b0\u1ee1ng l\u1ea1i s\u1ef1 c\u00e1m d\u1ed7, h\u00e3y c\u00e2n nh\u1eafc \u00e1p d\u1ee5ng &quot;quy t\u1eafc 24 gi\u1edd&quot;. Khi b\u1ea1n c\u1ea3m th\u1ea5y th\u00f4i th\u00fac mua s\u1eafm b\u1ed1c \u0111\u1ed3ng, h\u00e3y \u0111\u1ee3i 24 gi\u1edd tr\u01b0\u1edbc khi mua. Th\u00f4ng th\u01b0\u1eddng, c\u01a1n th\u00f4i th\u00fac s\u1ebd qua \u0111i, v\u00e0 b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 b\u00e1m s\u00e1t k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. Gi\u1ea3m chi ph\u00ed khi mua h\u00e0ng l\u1edbn<\/h2>\n\n\n\n<p>Khi \u0111\u00e3 s\u1eb5n s\u00e0ng cho m\u1ed9t kho\u1ea3n chi ti\u00eau l\u1edbn, h\u00e3y t\u00ecm c\u00e1ch gi\u1ea3m chi ph\u00ed. H\u00e3y t\u00ecm hi\u1ec3u c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u1ea3m gi\u00e1, phi\u1ebfu gi\u1ea3m gi\u00e1 ho\u1eb7c khuy\u1ebfn m\u1ea1i c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m ti\u1ec1n. N\u1ebfu b\u1ea1n \u0111ang mua \u00f4 t\u00f4, h\u00e3y c\u00e2n nh\u1eafc mua xe \u0111\u00e3 qua s\u1eed d\u1ee5ng ho\u1eb7c th\u01b0\u01a1ng l\u01b0\u1ee3ng gi\u00e1. N\u1ebfu \u0111i ngh\u1ec9, h\u00e3y t\u00ecm ki\u1ebfm c\u00e1c \u01b0u \u0111\u00e3i tr\u00e1i m\u00f9a ho\u1eb7c c\u00e1c g\u00f3i du l\u1ecbch tr\u1ecdn g\u00f3i \u0111\u1ec3 ti\u1ebft ki\u1ec7m th\u00eam.<\/p>\n\n\n\n<p>B\u1eb1ng c\u00e1ch c\u00f3 chi\u1ebfn l\u01b0\u1ee3c khi mua s\u1eafm, b\u1ea1n c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 tr\u00e1nh chi ti\u00eau qu\u00e1 m\u1ee9c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u1ebft lu\u1eadn: H\u00e3y t\u1eadp trung v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Vi\u1ec7c ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn m\u00e0 kh\u00f4ng ph\u1ea3i vay n\u1ee3 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c n\u1ebfu b\u1ea1n l\u00ean k\u1ebf ho\u1ea1ch c\u1ea9n th\u1eadn v\u00e0 k\u1ef7 lu\u1eadt. B\u1eb1ng c\u00e1ch \u0111\u1eb7t ra m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng, l\u1eadp ng\u00e2n s\u00e1ch, t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 t\u00ecm c\u00e1ch t\u0103ng thu nh\u1eadp, b\u1ea1n c\u00f3 th\u1ec3 bi\u1ebfn gi\u1ea5c m\u01a1 mua s\u1eafm th\u00e0nh hi\u1ec7n th\u1ef1c m\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng \u0111\u1ebfn t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<p>H\u00e3y nh\u1edb r\u1eb1ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 s\u1ef1 ki\u00ean tr\u00ec v\u00e0 t\u1eadp trung v\u00e0o m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n. V\u1edbi s\u1ef1 ki\u00ean nh\u1eabn v\u00e0 quy\u1ebft t\u00e2m, b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m v\u00e0 t\u1eadn h\u01b0\u1edfng c\u1ea3m gi\u00e1c th\u1ecfa m\u00e3n khi mua s\u1eafm m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 n\u1ee3.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn, ch\u1eb3ng h\u1ea1n nh\u01b0 xe h\u01a1i, k\u1ef3 ngh\u1ec9, hay nh\u00e0 c\u1eeda, c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 kh\u00f3 kh\u0103n, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi b\u1ea1n c\u1ea3m th\u1ea5y m\u00ecnh li\u00ean t\u1ee5c ph\u1ea3i xoay x\u1edf v\u1edbi c\u00e1c tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh kh\u00e1c. S\u1ef1 c\u00e1m d\u1ed7 vay n\u1ee3 v\u00e0 mua s\u1eafm tr\u01b0\u1edbc, tr\u1ea3 ti\u1ec1n sau c\u00f3 th\u1ec3 r\u1ea5t m\u1ea1nh m\u1ebd, nh\u01b0ng v\u1edbi m\u1ed9t ch\u00fat l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 k\u1ef7 lu\u1eadt, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u1ee7 cho \u0111i\u1ec1u \u0111\u00f3... <a title=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn m\u00e0 kh\u00f4ng ph\u1ea3i m\u1eafc n\u1ee3\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-save-for-a-big-purchase-without-going-into-debt\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Save for a Big Purchase Without Going Into Debt\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":75,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[10,15,21],"class_list":["post-48","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","tag-golden-tips","tag-tips","tag-tips-on"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/48","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=48"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/48\/revisions"}],"predecessor-version":[{"id":76,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/48\/revisions\/76"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/75"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=48"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=48"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=48"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}