{"id":50,"date":"2025-07-16T22:20:03","date_gmt":"2025-07-16T22:20:03","guid":{"rendered":"https:\/\/techsmoney.com\/?p=50"},"modified":"2025-07-16T22:20:18","modified_gmt":"2025-07-16T22:20:18","slug":"how-to-set-financial-goals-and-achieve-them","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/how-to-set-financial-goals-and-achieve-them\/","title":{"rendered":"C\u00e1ch \u0111\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u00fang"},"content":{"rendered":"<p>\u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u00e0nh c\u00f4ng v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh. Cho d\u00f9 b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn, tr\u1ea3 n\u1ee3 hay l\u00ean k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u, vi\u1ec7c c\u00f3 m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng s\u1ebd gi\u00fap \u0111\u1ecbnh h\u01b0\u1edbng c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh v\u00e0 gi\u00fap b\u1ea1n t\u1eadp trung. Tuy nhi\u00ean, \u0111\u1eb7t m\u1ee5c ti\u00eau kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 \u0111\u1eb7t ra m\u00e0 c\u00f2n l\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u00fang. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta s\u1ebd th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1ch \u0111\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 c\u00e1c b\u01b0\u1edbc b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u00fang.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng v\u1ec1 t\u00e0i ch\u00ednh l\u00e0 x\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. M\u1ee5c ti\u00eau c\u00f3 th\u1ec3 l\u00e0 ng\u1eafn h\u1ea1n (nh\u01b0 ti\u1ebft ki\u1ec7m cho m\u1ed9t k\u1ef3 ngh\u1ec9) ho\u1eb7c d\u00e0i h\u1ea1n (nh\u01b0 ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed). \u0110\u1ec3 b\u1eaft \u0111\u1ea7u, h\u00e3y ngh\u0129 v\u1ec1 nh\u1eefng g\u00ec b\u1ea1n mu\u1ed1n \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u1edbi s\u1ed1 ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p>Sau \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>M\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n<\/strong>: Thanh to\u00e1n n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, l\u1eadp qu\u1ef9 kh\u1ea9n c\u1ea5p, ti\u1ebft ki\u1ec7m cho k\u1ef3 ngh\u1ec9.<\/li>\n\n\n\n<li><strong>M\u1ee5c ti\u00eau trung h\u1ea1n<\/strong>: Ti\u1ebft ki\u1ec7m ti\u1ec1n mua \u00f4 t\u00f4, d\u00e0nh ti\u1ec1n cho vi\u1ec7c h\u1ecdc c\u1ee7a con c\u00e1i ho\u1eb7c mua nh\u00e0.<\/li>\n\n\n\n<li><strong>M\u1ee5c ti\u00eau d\u00e0i h\u1ea1n<\/strong>: Ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed, \u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u1ea1o d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3 v\u00e0 tr\u1ea3 h\u1ebft kho\u1ea3n th\u1ebf ch\u1ea5p.<\/li>\n<\/ul>\n\n\n\n<p>Khi \u0111\u1eb7t m\u1ee5c ti\u00eau, h\u00e3y \u0111\u1ea3m b\u1ea3o ch\u00fang \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed SMART - C\u1ee5 th\u1ec3 (Specific), \u0110o l\u01b0\u1eddng \u0111\u01b0\u1ee3c (Measurable), C\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c (Achievable), C\u00f3 li\u00ean quan (Relevant) v\u00e0 C\u00f3 gi\u1edbi h\u1ea1n th\u1eddi gian (Time-bound). V\u00ed d\u1ee5, thay v\u00ec n\u00f3i &quot;T\u00f4i mu\u1ed1n ti\u1ebft ki\u1ec7m ti\u1ec1n&quot;, m\u1ee5c ti\u00eau SMART s\u1ebd l\u00e0 &quot;T\u00f4i mu\u1ed1n ti\u1ebft ki\u1ec7m $5.000 cho qu\u1ef9 kh\u1ea9n c\u1ea5p trong 12 th\u00e1ng t\u1edbi&quot;.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Chia nh\u1ecf m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n th\u00e0nh c\u00e1c b\u01b0\u1edbc h\u00e0nh \u0111\u1ed9ng<\/h2>\n\n\n\n<p>M\u1ed9t khi \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 chia nh\u1ecf ch\u00fang th\u00e0nh c\u00e1c b\u01b0\u1edbc nh\u1ecf h\u01a1n, d\u1ec5 th\u1ef1c hi\u1ec7n. M\u1ed9t m\u1ee5c ti\u00eau nh\u01b0 &quot;ti\u1ebft ki\u1ec7m $5.000&quot; c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n c\u1ea3m th\u1ea5y cho\u00e1ng ng\u1ee3p, nh\u01b0ng n\u1ebfu b\u1ea1n chia nh\u1ecf th\u00e0nh c\u00e1c c\u1ed9t m\u1ed1c h\u00e0ng th\u00e1ng ho\u1eb7c th\u1eadm ch\u00ed h\u00e0ng tu\u1ea7n, m\u1ecdi vi\u1ec7c s\u1ebd tr\u1edf n\u00ean d\u1ec5 qu\u1ea3n l\u00fd h\u01a1n nhi\u1ec1u.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n mu\u1ed1n ti\u1ebft ki\u1ec7m $5.000 trong 12 th\u00e1ng, b\u1ea1n s\u1ebd c\u1ea7n ti\u1ebft ki\u1ec7m kho\u1ea3ng $417 m\u1ed7i th\u00e1ng. M\u1ee5c ti\u00eau nh\u1ecf h\u01a1n, d\u1ec5 \u0111\u1ea1t \u0111\u01b0\u1ee3c n\u00e0y gi\u00fap b\u1ea1n duy tr\u00ec \u0111\u1ed9ng l\u1ef1c v\u00e0 theo d\u00f5i ti\u1ebfn tr\u00ecnh. B\u1eb1ng c\u00e1ch chia nh\u1ecf m\u1ee5c ti\u00eau th\u00e0nh c\u00e1c b\u01b0\u1edbc, b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp trung ho\u00e0n th\u00e0nh t\u1eebng c\u1ed9t m\u1ed1c thay v\u00ec c\u1ea3m th\u1ea5y cho\u00e1ng ng\u1ee3p b\u1edfi m\u1ee5c ti\u00eau chung.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. T\u1ea1o ng\u00e2n s\u00e1ch<\/h2>\n\n\n\n<p>Ng\u00e2n s\u00e1ch l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 thi\u1ebft y\u1ebfu \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. N\u00f3 cho ph\u00e9p b\u1ea1n ph\u00e2n b\u1ed5 thu nh\u1eadp theo m\u1ee5c ti\u00eau \u0111\u1ed3ng th\u1eddi theo d\u00f5i chi ti\u00eau. N\u1ebfu kh\u00f4ng c\u00f3 ng\u00e2n s\u00e1ch, b\u1ea1n r\u1ea5t d\u1ec5 chi ti\u00eau qu\u00e1 m\u1ee9c v\u00e0 kh\u00f4ng ti\u1ebft ki\u1ec7m \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.<\/p>\n\n\n\n<p>H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch li\u1ec7t k\u00ea c\u00e1c ngu\u1ed3n thu nh\u1eadp v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n chi ti\u00eau h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n. L\u1ea5y thu nh\u1eadp tr\u1eeb \u0111i c\u00e1c kho\u1ea3n chi ti\u00eau \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 cho c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh h\u00e0ng th\u00e1ng. N\u1ebfu b\u1ea1n g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebft ki\u1ec7m \u0111\u1ee7, h\u00e3y t\u00ecm nh\u1eefng kho\u1ea3n c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m chi ti\u00eau, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u1eaft gi\u1ea3m \u0103n u\u1ed1ng ngo\u00e0i h\u00e0ng ho\u1eb7c h\u1ee7y c\u00e1c g\u00f3i \u0111\u0103ng k\u00fd ch\u01b0a s\u1eed d\u1ee5ng.<\/p>\n\n\n\n<p>S\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng l\u1eadp ng\u00e2n s\u00e1ch nh\u01b0 Mint ho\u1eb7c YNAB \u0111\u1ec3 theo d\u00f5i chi ti\u00eau v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/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 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n l\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ti\u1ebft ki\u1ec7m. Vi\u1ec7c thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng t\u1eeb t\u00e0i kho\u1ea3n thanh to\u00e1n sang t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m chuy\u00ean d\u1ee5ng s\u1ebd \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n \u0111\u00f3ng g\u00f3p v\u00e0o m\u1ee5c ti\u00eau m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i suy ngh\u0129.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m cho qu\u1ef9 kh\u1ea9n c\u1ea5p, h\u00e3y thi\u1ebft l\u1eadp ch\u1ebf \u0111\u1ed9 t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n $500 m\u1ed7i th\u00e1ng v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ri\u00eang. B\u1eb1ng c\u00e1ch t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ti\u1ebft ki\u1ec7m, b\u1ea1n s\u1ebd \u01b0u ti\u00ean vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 lo\u1ea1i b\u1ecf s\u1ef1 c\u00e1m d\u1ed7 chi ti\u00eau v\u00e0o nh\u1eefng vi\u1ec7c kh\u00e1c.<\/p>\n\n\n\n<p>H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ec1u cung c\u1ea5p ch\u01b0\u01a1ng tr\u00ecnh ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng v\u00e0 nhi\u1ec1u \u1ee9ng d\u1ee5ng \u0111\u1ea7u t\u01b0 c\u0169ng cho ph\u00e9p b\u1ea1n t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Theo d\u00f5i ti\u1ebfn tr\u00ecnh c\u1ee7a b\u1ea1n th\u01b0\u1eddng xuy\u00ean<\/h2>\n\n\n\n<p>\u0110\u1ec3 duy tr\u00ec \u0111\u1ed9ng l\u1ef1c v\u00e0 \u0111\u1ea3m b\u1ea3o b\u1ea1n \u0111ang \u0111i \u0111\u00fang h\u01b0\u1edbng, h\u00e3y th\u01b0\u1eddng xuy\u00ean theo d\u00f5i ti\u1ebfn \u0111\u1ed9 th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau. Ki\u1ec3m tra ng\u00e2n s\u00e1ch v\u00e0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ec3 xem b\u1ea1n \u0111\u00e3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c bao nhi\u00eau, \u0111\u1ed3ng th\u1eddi \u0111\u00e1nh gi\u00e1 xem b\u1ea1n c\u00f3 \u0111ang \u0111i \u0111\u00fang h\u01b0\u1edbng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau hay kh\u00f4ng.<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n \u0111ang b\u1ecb t\u1ee5t l\u1ea1i ph\u00eda sau, \u0111\u1eebng n\u1ea3n l\u00f2ng. Thay v\u00e0o \u0111\u00f3, h\u00e3y \u0111\u00e1nh gi\u00e1 chi ti\u00eau c\u1ee7a m\u00ecnh v\u00e0 xem x\u00e9t nh\u1eefng \u0111i\u1ec3m c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 quay l\u1ea1i \u0111\u00fang h\u01b0\u1edbng. Vi\u1ec7c theo d\u00f5i ti\u1ebfn \u0111\u1ed9 cho ph\u00e9p b\u1ea1n \u0111i\u1ec1u ch\u1ec9nh theo th\u1eddi gian th\u1ef1c v\u00e0 duy tr\u00ec \u0111\u1ed9ng l\u1ef1c b\u1eb1ng c\u00e1ch xem m\u00ecnh \u0111\u00e3 ti\u1ebfn \u0111\u01b0\u1ee3c bao xa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Linh ho\u1ea1t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Cu\u1ed9c s\u1ed1ng c\u00f3 th\u1ec3 kh\u00f3 l\u01b0\u1eddng, v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 c\u1ea7n thay \u0111\u1ed5i trong qu\u00e1 tr\u00ecnh n\u00e0y. Nh\u1eefng kho\u1ea3n chi ti\u00eau b\u1ea5t ng\u1edd, thay \u0111\u1ed5i thu nh\u1eadp ho\u1eb7c thay \u0111\u1ed5i th\u1ee9 t\u1ef1 \u01b0u ti\u00ean c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh m\u1ee5c ti\u00eau. \u0110i\u1ec1u \u0111\u00f3 ho\u00e0n to\u00e0n b\u00ecnh th\u01b0\u1eddng!<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n kh\u00f4ng th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau theo th\u1eddi h\u1ea1n ban \u0111\u1ea7u, \u0111\u1eebng b\u1ecf cu\u1ed9c ho\u00e0n to\u00e0n. Thay v\u00e0o \u0111\u00f3, h\u00e3y \u0111\u00e1nh gi\u00e1 l\u1ea1i m\u1ee5c ti\u00eau v\u00e0 l\u1eadp m\u1ed9t k\u1ebf ho\u1ea1ch m\u1edbi v\u1edbi th\u1eddi gian bi\u1ec3u ho\u1eb7c ng\u00e2n s\u00e1ch kh\u1ea3 thi h\u01a1n. Linh ho\u1ea1t l\u00e0 ch\u00eca kh\u00f3a cho th\u00e0nh c\u00f4ng l\u00e2u d\u00e0i v\u00e0 gi\u00fap b\u1ea1n kh\u00f4ng n\u1ea3n l\u00f2ng n\u1ebfu m\u1ecdi vi\u1ec7c kh\u00f4ng di\u1ec5n ra \u0111\u00fang nh\u01b0 k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. K\u1ef7 ni\u1ec7m nh\u1eefng c\u1ed9t m\u1ed1c quan tr\u1ecdng<\/h2>\n\n\n\n<p>\u0110\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, d\u00f9 nh\u1ecf, c\u0169ng l\u00e0 m\u1ed9t th\u00e0nh t\u1ef1u \u0111\u00e1ng k\u1ec3. H\u00e3y \u0103n m\u1eebng nh\u1eefng th\u00e0nh c\u00f4ng tr\u00ean ch\u1eb7ng \u0111\u01b0\u1eddng n\u00e0y \u0111\u1ec3 lu\u00f4n c\u00f3 \u0111\u1ed9ng l\u1ef1c. D\u00f9 l\u00e0 ti\u1ebft ki\u1ec7m $1.000 \u0111\u1ea7u ti\u00ean hay tr\u1ea3 h\u1ebft n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, h\u00e3y d\u00e0nh th\u1eddi gian ghi nh\u1eadn nh\u1eefng n\u1ed7 l\u1ef1c v\u00e0 ti\u1ebfn b\u1ed9 c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>Vi\u1ec7c \u0103n m\u1eebng nh\u1eefng c\u1ed9t m\u1ed1c, d\u00f9 nh\u1ecf b\u00e9, s\u1ebd gi\u00fap b\u1ea1n tr\u00e0n \u0111\u1ea7y n\u0103ng l\u01b0\u1ee3ng v\u00e0 \u0111\u1ed9ng l\u1ef1c \u0111\u1ec3 ti\u1ebfp t\u1ee5c h\u01b0\u1edbng t\u1edbi nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u1edbn h\u01a1n. H\u00e3y c\u00e2n nh\u1eafc vi\u1ec7c t\u1ef1 th\u01b0\u1edfng cho m\u00ecnh m\u1ed9t \u0111i\u1ec1u g\u00ec \u0111\u00f3 nh\u1ecf nh\u1eb7t nh\u01b0 m\u1ed9t b\u1eefa t\u1ed1i ngon mi\u1ec7ng hay m\u1ed9t chuy\u1ebfn \u0111i ch\u01a1i cu\u1ed1i tu\u1ea7n khi b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t c\u1ed9t m\u1ed1c quan tr\u1ecdng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. T\u00ecm ki\u1ebfm s\u1ef1 tr\u1ee3 gi\u00fap chuy\u00ean nghi\u1ec7p n\u1ebfu c\u1ea7n thi\u1ebft<\/h2>\n\n\n\n<p>N\u1ebfu b\u1ea1n \u0111ang g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, ho\u1eb7c n\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch cho c\u00e1c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n, h\u00e3y c\u00e2n nh\u1eafc t\u00ecm ki\u1ebfm s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb m\u1ed9t c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh. M\u1ed9t c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n l\u1eadp k\u1ebf ho\u1ea1ch ph\u00f9 h\u1ee3p, t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 v\u00e0 \u0111\u01b0a ra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u00fap b\u1ea1n \u0111i \u0111\u00fang h\u01b0\u1edbng.<\/p>\n\n\n\n<p>C\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh c\u0169ng c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n x\u00e1c \u0111\u1ecbnh c\u00e1c c\u01a1 h\u1ed9i ti\u1ebft ki\u1ec7m thu\u1ebf, l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh kh\u00e1c \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a ti\u1ebfn \u0111\u1ed9 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u1ebft lu\u1eadn: H\u00e3y cam k\u1ebft v\u1edbi t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Vi\u1ec7c \u0111\u1eb7t ra v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 \u0111i\u1ec1u thi\u1ebft y\u1ebfu \u0111\u1ec3 x\u00e2y d\u1ef1ng s\u1ef1 gi\u00e0u c\u00f3, \u0111\u1ea3m b\u1ea3o t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh v\u00e0 hi\u1ec7n th\u1ef1c h\u00f3a \u01b0\u1edbc m\u01a1 c\u1ee7a b\u1ea1n. B\u1eb1ng c\u00e1ch x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng, kh\u1ea3 thi, l\u1eadp ng\u00e2n s\u00e1ch, t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 theo d\u00f5i ti\u1ebfn \u0111\u1ed9, b\u1ea1n c\u00f3 th\u1ec3 \u0111i \u0111\u00fang h\u01b0\u1edbng v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>H\u00e3y nh\u1edb r\u1eb1ng, m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ea7n th\u1eddi gian v\u00e0 cam k\u1ebft, nh\u01b0ng v\u1edbi s\u1ef1 ki\u00ean tr\u00ec v\u00e0 k\u1ef7 lu\u1eadt, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec. H\u00e3y t\u1eadp trung v\u00e0o m\u1ee5c ti\u00eau, \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n thi\u1ebft v\u00e0 \u0103n m\u1eebng nh\u1eefng c\u1ed9t m\u1ed1c c\u1ee7a m\u00ecnh. H\u00e0nh tr\u00ecnh \u0111\u1ebfn v\u1edbi th\u00e0nh c\u00f4ng t\u00e0i ch\u00ednh b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t b\u01b0\u1edbc ch\u00e2n\u2014h\u00e3y th\u1ef1c hi\u1ec7n ngay h\u00f4m nay!<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o th\u00e0nh c\u00f4ng v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh. Cho d\u00f9 b\u1ea1n \u0111ang ti\u1ebft ki\u1ec7m cho m\u1ed9t kho\u1ea3n mua s\u1eafm l\u1edbn, tr\u1ea3 n\u1ee3 hay l\u00ean k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u, vi\u1ec7c c\u00f3 m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng s\u1ebd gi\u00fap \u0111\u1ecbnh h\u01b0\u1edbng c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh v\u00e0 gi\u00fap b\u1ea1n t\u1eadp trung. Tuy nhi\u00ean, \u0111\u1eb7t m\u1ee5c ti\u00eau kh\u00f4ng ch\u1ec9 l\u00e0 \u0111\u1eb7t ra m\u00e0 c\u00f2n l\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c\u2026 <a title=\"C\u00e1ch \u0111\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u00fang\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/how-to-set-financial-goals-and-achieve-them\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 How to Set Financial Goals and Achieve Them\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":66,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[10,24,23],"class_list":["post-50","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-golden-tips","tag-golden-tips","tag-set-financial","tag-tipos"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/50","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=50"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"predecessor-version":[{"id":78,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/50\/revisions\/78"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/66"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}