{"id":23805,"date":"2024-03-28T22:08:40","date_gmt":"2024-03-28T15:08:40","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=23805"},"modified":"2024-11-11T23:10:29","modified_gmt":"2024-11-11T16:10:29","slug":"ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/","title":{"rendered":"\u00c1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00e8 n\u1eb7ng l\u00ean vai ng\u01b0\u1eddi tr\u1ebb, Gen Z ph\u1ea3i l\u00e0m sao?"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;23805&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;1&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;5\\\/5 - (1 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;\u00c1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00e8 n\u1eb7ng l\u00ean vai ng\u01b0\u1eddi tr\u1ebb, Gen Z ph\u1ea3i l\u00e0m sao?&quot;,&quot;width&quot;:&quot;129&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 129px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (1 vote)    <\/div>\n    <\/div>\n<p>Tu\u1ed5i tr\u1ebb \u0111\u1ea7y s\u1ee9c s\u1ed1ng v\u00e0 \u01b0\u1edbc m\u01a1, nh\u01b0ng c\u0169ng kh\u00f4ng thi\u1ebfu nh\u1eefng lo l\u1eafng, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Tr\u00e1ch nhi\u1ec7m v\u1edbi vi\u1ec7c chi ti\u00eau h\u00e0ng ng\u00e0y, suy ngh\u0129 v\u1ec1 vi\u1ec7c mua nh\u00e0, mua xe&#8230; khi\u1ebfn cho nhi\u1ec1u ng\u01b0\u1eddi tr\u1ebb c\u1ea3m th\u1ea5y c\u0103ng th\u1eb3ng v\u00e0 m\u1ea5t ni\u1ec1m tin. V\u1eady l\u00e0m sao \u0111\u1ec3 gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 h\u01b0\u1edbng t\u1edbi m\u1ed9t cu\u1ed9c s\u1ed1ng t\u01b0\u01a1i \u0111\u1eb9p h\u01a1n trong t\u01b0\u01a1ng lai? M\u1ed9t s\u1ed1 m\u1eb9o hay s\u1ebd \u0111\u01b0\u1ee3c chia s\u1ebb trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 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ch\u00ednh c\u00e1 nh\u00e2n\">T\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi tr\u1ebb \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#Nguyen_nhan_dan_den_ap_luc_tai_chinh_ca_nhan\" title=\"Nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n\">Nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#Bi_quyet_giup_giam_ap_luc_tai_chinh_hieu_qua_cho_nguoi_tre\" title=\"B\u00ed quy\u1ebft gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 cho ng\u01b0\u1eddi tr\u1ebb\">B\u00ed quy\u1ebft gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 cho ng\u01b0\u1eddi tr\u1ebb<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#Hoc_cach_lap_ke_hoach_chi_tieu\" title=\"H\u1ecdc c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch chi ti\u00eau\">H\u1ecdc c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch chi ti\u00eau<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#On_dinh_dong_tien_thong_qua_nhung_muc_tieu_ngan_han\" title=\"\u1ed4n \u0111\u1ecbnh d\u00f2ng ti\u1ec1n th\u00f4ng qua nh\u1eefng m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n\">\u1ed4n \u0111\u1ecbnh d\u00f2ng ti\u1ec1n th\u00f4ng qua nh\u1eefng m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#Thiet_lap_cac_kenh_dau_tu_tai_chinh\" title=\"Thi\u1ebft l\u1eadp c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh\">Thi\u1ebft l\u1eadp c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#Hoc_cach_dieu_chinh_cam_xuc\" title=\"H\u1ecdc c\u00e1ch \u0111i\u1ec1u ch\u1ec9nh c\u1ea3m x\u00fac\">H\u1ecdc c\u00e1ch \u0111i\u1ec1u ch\u1ec9nh c\u1ea3m x\u00fac<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/ap-luc-tai-chinh-ca-nhan-de-nang-len-vai-nguoi-tre-gen-z-phai-lam-sao\/#Ket_luan\" title=\"K\u1ebft lu\u1eadn\">K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tinh_trang_nguoi_tre_doi_mat_voi_ap_luc_tai_chinh_ca_nhan\"><\/span>T\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi tr\u1ebb \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Th\u1ef1c t\u1ebf cho th\u1ea5y r\u1eb1ng ng\u01b0\u1eddi tr\u1ebb \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Theo chuy\u00ean gia t\u00e0i ch\u00ednh Phan D\u0169ng Kh\u00e1nh, so v\u1edbi th\u1ebf h\u1ec7 Gen Y v\u00e0 Gen X, gi\u1edbi tr\u1ebb hi\u1ec7n nay, \u0111\u1eb7c bi\u1ec7t l\u00e0 Gen Z, th\u01b0\u1eddng c\u00f3 xu h\u01b0\u1edbng ti\u00eau ti\u1ec1n m\u1ed9t c\u00e1ch ph\u00f3ng kho\u00e1ng h\u01a1n.<\/p>\n<p>B\u00e1o c\u00e1o Consumer Culture 2021 c\u1ee7a 5WPR \u0111\u00e3 ch\u1ec9 ra r\u1eb1ng, c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c Gen Z \u01b0a th\u00edch th\u01b0\u1eddng l\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m \u0111i\u1ec7n t\u1eed, c\u00f4ng ngh\u1ec7, y t\u1ebf v\u00e0 s\u1ee9c kh\u1ecfe. V\u00e0 khi thu nh\u1eadp t\u0103ng, h\u1ecd c\u00e0ng c\u00f3 nhi\u1ec1u m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh m\u1edbi.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.vib.com.vn\/wps\/wcm\/connect\/a52e52e3-90f2-4c4f-bf58-fc3d6a8855f3\/kien-thuc-tai-chinh+%283%29.jpg.webp?MOD=AJPERES&amp;CACHEID=ROOTWORKSPACE-a52e52e3-90f2-4c4f-bf58-fc3d6a8855f3-oG4q2j1\" alt=\"T\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi tr\u1ebb \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n\" width=\"1500\" height=\"1000\" title=\"\"><\/p>\n<p>Tuy nhi\u00ean, c\u00f3 m\u1ed9t \u0111i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i l\u00e0 nhi\u1ec1u ng\u01b0\u1eddi tr\u1ebb hi\u1ec7n nay \u0111\u00e3 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng &#8220;ti\u00eau tr\u01b0\u1edbc, ki\u1ebfm sau&#8221;, s\u1eb5n l\u00f2ng &#8220;chi \u0111\u1eadm&#8221; cho s\u1edf th\u00edch c\u00e1 nh\u00e2n m\u00e0 kh\u00f4ng xem x\u00e9t \u0111\u1ebfn kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n. H\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c n\u00e0y l\u00e0 kh\u00f4ng \u00edt ng\u01b0\u1eddi &#8220;l\u01b0\u01a1ng v\u1ec1 \u0111\u00e3 ph\u1ea3i tr\u1ea3 n\u1ee3&#8221;. Nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng n\u00e0y l\u00e0 do thi\u1ebfu ki\u1ebfn th\u1ee9c v\u00e0 k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3. \u0110i\u1ec1u n\u00e0y khi\u1ebfn cho h\u1ecd d\u1ec5 r\u01a1i v\u00e0o tr\u1ea1ng th\u00e1i c\u0103ng th\u1eb3ng, th\u1eadm ch\u00ed l\u00e0 suy s\u1ee5p khi g\u1eb7p ph\u1ea3i r\u1ee7i ro ho\u1eb7c bi\u1ebfn \u0111\u1ed9ng b\u1ea5t ng\u1edd.<\/p>\n<p>B\u00e1o c\u00e1o &#8220;S\u1ee9c kh\u1ecfe ng\u00e0nh t\u00e0i ch\u00ednh &amp; ng\u00e2n h\u00e0ng khu v\u1ef1c ch\u00e2u \u00c1 \u2013 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng&#8221; do Backbase th\u1ef1c hi\u1ec7n v\u00e0o \u0111\u1ea7u n\u0103m 2021 c\u0169ng ch\u1ec9 ra r\u1eb1ng, 67% ng\u01b0\u1eddi Vi\u1ec7t \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t c\u1ea3m th\u1ea5y c\u0103ng th\u1eb3ng v\u1ec1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n. L\u00fd do ch\u00ednh l\u00e0 h\u1ecd g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c.<\/p>\n<p>\u0110\u00e1ng ch\u00fa \u00fd, Vi\u1ec7t Nam l\u00e0 qu\u1ed1c gia c\u00f3 t\u1ef7 l\u1ec7 ng\u01b0\u1eddi th\u1eeba nh\u1eadn kh\u00f4ng bi\u1ebft c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh cao nh\u1ea5t trong 10 n\u01b0\u1edbc ch\u00e2u \u00c1 \u2013 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng.<\/p>\n<p>M\u1ed9t c\u00e2u chuy\u1ec7n th\u1ef1c t\u1ebf v\u1ec1 Nh\u1eadt Linh (23 tu\u1ed5i, s\u1ed1ng t\u1ea1i H\u00e0 N\u1ed9i), m\u1edbi t\u1ed1t nghi\u1ec7p \u0111\u1ea1i h\u1ecdc \u0111\u01b0\u1ee3c m\u1ed9t n\u0103m, l\u00e0 minh ch\u1ee9ng cho t\u00ecnh h\u00ecnh n\u00e0y. Linh \u0111\u00e3 &#8220;m\u1ea1nh tay&#8221; chi ti\u00eau h\u01a1n sau khi nh\u1eadn c\u00f4ng vi\u1ec7c ch\u00ednh th\u1ee9c t\u1ea1i m\u1ed9t c\u00f4ng ty c\u00f4ng ngh\u1ec7 \u1edf qu\u1eadn C\u1ea7u Gi\u1ea5y. Ban \u0111\u1ea7u, c\u00f4 \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n chia thu nh\u1eadp theo t\u1ef7 l\u1ec7 80 &#8211; 20, v\u1edbi 80% d\u00e0nh cho c\u00e1c kho\u1ea3n chi c\u1ed1 \u0111\u1ecbnh v\u00e0 d\u1ef1 ph\u00f2ng, 20% \u0111\u1ec3 ti\u1ebft ki\u1ec7m. Tuy nhi\u00ean, Linh th\u1eeba nh\u1eadn r\u1eb1ng kho\u1ea3n ti\u1ebft ki\u1ec7m n\u00e0y th\u01b0\u1eddng kh\u00f4ng k\u00e9o d\u00e0i \u0111\u01b0\u1ee3c.<\/p>\n<p>C\u00f4 chia s\u1ebb r\u1eb1ng m\u1ed7i th\u00e1ng l\u1ea1i c\u00f3 nh\u1eefng chi ph\u00ed b\u1ea5t ng\u1edd nh\u01b0 \u0111\u00e1m c\u01b0\u1edbi, sinh nh\u1eadt b\u1ea1n b\u00e8, ch\u01b0a k\u1ec3 \u0111\u1ebfn vi\u1ec7c mua s\u1eafm v\u00e0 \u0111i du l\u1ecbch. V\u00e0o c\u00e1c \u0111\u1ee3t khuy\u1ebfn m\u00e3i tr\u00ean c\u00e1c trang th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, Linh th\u01b0\u1eddng d\u00e0nh th\u1eddi gian t\u00ecm ki\u1ebfm nh\u1eefng m\u00f3n \u0111\u1ed3 gi\u1ea3m gi\u00e1 v\u00e0 th\u00eam v\u00e0o gi\u1ecf h\u00e0ng t\u1eeb t\u1ed1i h\u00f4m tr\u01b0\u1edbc \u0111\u1ec3 &#8220;ch\u1ed1t \u0111\u01a1n&#8221; v\u00e0o n\u1eeda \u0111\u00eam.<\/p>\n<p>M\u1ed7i \u0111\u1ee3t sale, gi\u1ecf h\u00e0ng c\u1ee7a c\u00f4 l\u00ean \u0111\u1ebfn h\u00e0ng ch\u1ee5c \u0111\u01a1n v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n t\u1eeb hai \u0111\u1ebfn ba tri\u1ec7u \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi kho\u1ea3n ti\u1ebft ki\u1ec7m m\u1ed7i th\u00e1ng. Do thu\u00ea ph\u00f2ng m\u1ed9t m\u00ecnh v\u00e0 th\u01b0\u1eddng xuy\u00ean \u0103n ngo\u00e0i, Linh cho bi\u1ebft c\u00e1c kho\u1ea3n chi c\u1ed1 \u0111\u1ecbnh nh\u01b0 ti\u1ec1n nh\u00e0, \u0103n u\u1ed1ng, \u0111i l\u1ea1i \u0111\u00e3 chi\u1ebfm 80% l\u01b0\u01a1ng v\u00e0 c\u00f4 kh\u00f4ng c\u00f2n d\u01b0 d\u1ea3 \u0111\u1ec3 d\u00e0nh d\u1ee5m cho t\u01b0\u01a1ng lai.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nguyen_nhan_dan_den_ap_luc_tai_chinh_ca_nhan\"><\/span>Nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn \u00e1p l\u1ef1c t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00c1p l\u1ef1c v\u1ec1 t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u1ea7y \u00e1m \u1ea3nh, c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ecdi t\u1ea7ng l\u1edbp trong x\u00e3 h\u1ed9i. T\u00ecnh tr\u1ea1ng n\u00e0y b\u1eaft ngu\u1ed3n t\u1eeb nhi\u1ec1u nguy\u00ean nh\u00e2n, bao g\u1ed3m c\u1ea3 y\u1ebfu t\u1ed1 kh\u00e1ch quan v\u00e0 ch\u1ee7 quan:<\/p>\n<ul>\n<li>S\u1ef1 \u1ea3nh h\u01b0\u1edfng t\u1eeb kinh t\u1ebf: Bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf to\u00e0n c\u1ea7u, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong th\u1eddi k\u1ef3 hi\u1ec7n nay, c\u00f3 \u1ea3nh h\u01b0\u1edfng kh\u00f4ng nh\u1ecf \u0111\u1ebfn t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf khi\u1ebfn vi\u1ec7c l\u00e0m tr\u1edf n\u00ean hi\u1ebfm hoi, thu nh\u1eadp gi\u1ea3m s\u00fat, g\u00e2y lo l\u1eafng v\u00e0 \u00e1p l\u1ef1c cho nhi\u1ec1u ng\u01b0\u1eddi.<\/li>\n<li>Nhu c\u1ea7u cu\u1ed9c s\u1ed1ng ng\u00e0y c\u00e0ng t\u0103ng: S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a x\u00e3 h\u1ed9i k\u00e9o theo nhu c\u1ea7u mua s\u1eafm, ti\u00eau d\u00f9ng c\u0169ng t\u0103ng cao. Trong khi \u0111\u00f3, thu nh\u1eadp kh\u00f4ng t\u0103ng theo t\u1ed1c \u0111\u1ed9 gia t\u0103ng gi\u00e1 c\u1ea3, nhi\u1ec1u ng\u01b0\u1eddi c\u1ea3m th\u1ea5y kh\u00f3 kh\u0103n trong vi\u1ec7c chi ti\u00eau v\u00e0 lo l\u1eafng v\u1ec1 t\u01b0\u01a1ng lai.<\/li>\n<li>Th\u00f3i quen chi ti\u00eau thi\u1ebfu k\u1ebf ho\u1ea1ch: \u0110\u00e2y l\u00e0 nguy\u00ean nh\u00e2n ch\u00ednh khi\u1ebfn cho t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh tr\u1edf n\u00ean t\u1ed3i t\u1ec7. Vi\u1ec7c chi ti\u00eau b\u1eeba b\u00e3i, kh\u00f4ng ki\u1ec3m so\u00e1t d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng &#8220;vung tay qu\u00e1 tr\u00e1n&#8221;, nhanh ch\u00f3ng c\u1ea1n ki\u1ec7t ngu\u1ed3n t\u00e0i ch\u00ednh v\u00e0 g\u00e2y ra \u00e1p l\u1ef1c l\u1edbn.<\/li>\n<li>M\u1ea5t gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n: M\u1ed9t y\u1ebfu t\u1ed1 kh\u00e1ch quan kh\u00e1c g\u00f3p ph\u1ea7n t\u1ea1o n\u00ean \u00e1p l\u1ef1c t\u00e0i ch\u00ednh l\u00e0 v\u1ea5n \u0111\u1ec1 m\u1ea5t gi\u00e1 c\u1ee7a \u0111\u1ed3ng ti\u1ec1n. Khi gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n gi\u1ea3m s\u00fat, s\u1ee9c mua c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u0169ng b\u1ecb \u1ea3nh h\u01b0\u1edfng, l\u00e0m cho vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 t\u00edch l\u0169y tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bi_quyet_giup_giam_ap_luc_tai_chinh_hieu_qua_cho_nguoi_tre\"><\/span>B\u00ed quy\u1ebft gi\u00fap gi\u1ea3m \u00e1p l\u1ef1c t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 cho ng\u01b0\u1eddi tr\u1ebb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Hoc_cach_lap_ke_hoach_chi_tieu\"><\/span>H\u1ecdc c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch chi ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo chuy\u00ean gia t\u00e0i ch\u00ednh Phan D\u0169ng Kh\u00e1nh, \u0111\u1ec3 qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3, vi\u1ec7c x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u1ef1a tr\u00ean nguy\u00ean t\u1eafc &#8220;chi ti\u00eau \u00edt h\u01a1n thu nh\u1eadp&#8221; l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng. \u0110\u1ed3ng th\u1eddi, vi\u1ec7c h\u00ecnh th\u00e0nh th\u00f3i quen ti\u1ebft ki\u1ec7m th\u01b0\u1eddng xuy\u00ean c\u0169ng \u0111\u00f3ng vai tr\u00f2 then ch\u1ed1t trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o an ninh t\u00e0i ch\u00ednh.<\/p>\n<p>V\u00ed d\u1ee5, v\u1edbi m\u1ee9c thu nh\u1eadp d\u01b0\u1edbi 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng, sau khi tr\u1eeb \u0111i c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ed1 \u0111\u1ecbnh v\u00e0 d\u1ef1 ph\u00f2ng, chuy\u00ean gia khuy\u1ebfn kh\u00edch vi\u1ec7c tr\u00edch ra 15 &#8211; 20% thu nh\u1eadp \u0111\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng. D\u00f9 th\u1eddi gian g\u1eedi ti\u1ebft ki\u1ec7m d\u00e0i hay ng\u1eafn, th\u00f3i quen n\u00e0y s\u1ebd gi\u00fap b\u1ea1n h\u00ecnh th\u00e0nh t\u00e2m l\u00fd &#8220;c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng&#8221; tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua s\u1eafm b\u1ea5t k\u1ef3 m\u00f3n \u0111\u1ed3 n\u00e0o.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/simg.zalopay.com.vn\/zlp-website\/assets\/thumb_quan_ly_chi_tieu_ca_nhan_a547c8e5ab.jpg\" alt=\"H\u1ecdc c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch chi ti\u00eau\" width=\"1200\" height=\"578\" title=\"\"><\/p>\n<p>Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh, m\u1ed9t nguy\u00ean t\u1eafc quan tr\u1ecdng trong qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 l\u00e0 &#8220;t\u1ea5n c\u00f4ng&#8221; thay v\u00ec &#8220;ph\u00f2ng th\u1ee7&#8221;. Thay v\u00ec ch\u1ec9 t\u1eadp trung ti\u1ebft ki\u1ec7m t\u1eeb l\u01b0\u01a1ng, vi\u1ec7c ch\u1ee7 \u0111\u1ed9ng t\u0103ng th\u00eam nhi\u1ec1u ngu\u1ed3n thu nh\u1eadp s\u1ebd gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh h\u01a1n.<\/p>\n<p>Ngo\u00e0i ra, b\u1ea1n c\u0169ng n\u00ean ghi ch\u00e9p t\u1ea5t c\u1ea3 c\u00e1c chi ti\u00eau h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea3n th\u00e2n \u0111\u1ec3 hi\u1ec3u r\u00f5 th\u00f3i quen sinh ho\u1ea1t trong v\u00f2ng m\u1ed9t th\u00e1ng. Sau \u0111\u00f3, ph\u00e2n lo\u1ea1i ch\u00fang th\u00e0nh c\u00e1c h\u1ea1ng m\u1ee5c nh\u01b0 ti\u1ec1n \u0103n u\u1ed1ng, ti\u1ec1n nh\u00e0, \u0111i\u1ec7n n\u01b0\u1edbc, chi ph\u00ed \u0111i l\u1ea1i, nhu y\u1ebfu ph\u1ea9m, mua s\u1eafm v\u00e0 ti\u1ebft ki\u1ec7m. D\u1ef1a tr\u00ean c\u00e1c h\u1ea1ng m\u1ee5c n\u00e0y, thi\u1ebft l\u1eadp m\u1ed9t k\u1ebf ho\u1ea1ch chi ti\u00eau h\u1ee3p l\u00fd.<\/p>\n<p>Xem th\u00eam:<\/p>\n<ul>\n<li><a href=\"https:\/\/infina.vn\/blog\/quan-ly-chi-tieu-gia-dinh\/\">7 b\u01b0\u1edbc \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 qu\u1ea3n l\u00fd chi ti\u00eau gia \u0111\u00ecnh hi\u1ec7u qu\u1ea3<\/a><\/li>\n<li><a href=\"https:\/\/infina.vn\/blog\/bi-quyet-quan-ly-chi-tieu-ca-nhan\/\">Qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n \u0111\u1ec9nh cao t\u1eeb quy t\u1eafc 6 chi\u1ebfc l\u1ecd<\/a><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"On_dinh_dong_tien_thong_qua_nhung_muc_tieu_ngan_han\"><\/span>\u1ed4n \u0111\u1ecbnh d\u00f2ng ti\u1ec1n th\u00f4ng qua nh\u1eefng m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\u0110\u1ea7u ti\u00ean, \u0111\u1ec3 gi\u1ea3i quy\u1ebft \u00e1p l\u1ef1c t\u00e0i ch\u00ednh, h\u00e3y t\u1eadp trung v\u00e0o vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh d\u00f2ng ti\u1ec1n ra v\u00e0o. C\u00e2n nh\u1eafc kh\u1ea3 n\u0103ng t\u0103ng thu nh\u1eadp b\u1eb1ng c\u00e1ch t\u00ecm ki\u1ebfm c\u01a1 h\u1ed9i l\u00e0m th\u00eam, \u0111\u1ea7u t\u01b0, ho\u1eb7c ch\u1ecdn m\u1ed9t c\u00f4ng vi\u1ec7c ph\u1ee5 thu nh\u1eadp ph\u00f9 h\u1ee3p v\u1edbi \u0111i\u1ec1u ki\u1ec7n v\u00e0 kh\u1ea3 n\u0103ng c\u1ee7a b\u1ea1n.<\/p>\n<p>Th\u1ee9 hai, qu\u1ea3n l\u00fd n\u1ee3 t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng. H\u00e3y \u0111\u1ea3m b\u1ea3o thanh to\u00e1n \u0111\u00fang h\u1ea1n v\u00e0 lu\u00f4n \u00fd th\u1ee9c v\u1ec1 c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a m\u00ecnh. \u0110\u1ed3ng th\u1eddi, c\u1ed1 g\u1eafng c\u1eaft gi\u1ea3m chi ph\u00ed h\u00e0ng ng\u00e0y<\/p>\n<p>kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 h\u1ea1n ch\u1ebf vi\u1ec7c chi ti\u00eau cho nh\u1eefng th\u1ee9 kh\u00f4ng quan tr\u1ecdng, ch\u1ec9 n\u00ean chi ti\u00eau cho nh\u1eefng th\u1ee9 th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft.<\/p>\n<p>Xem th\u00eam: <a href=\"https:\/\/infina.vn\/blog\/nen-mo-the-tin-dung-ngan-hang-nao\/\">N\u00ean m\u1edf th\u1ebb t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng n\u00e0o hi\u1ec7n nay?<\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thiet_lap_cac_kenh_dau_tu_tai_chinh\"><\/span>Thi\u1ebft l\u1eadp c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi thi\u1ebft l\u1eadp b\u1ea3ng chi ti\u00eau h\u1ee3p l\u00fd, b\u1ea1n s\u1ebd c\u00f3 kh\u1ea3 n\u0103ng \u0111i\u1ec1u ch\u1ec9nh kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh. Vi\u1ec7c \u0111\u1ea7u t\u01b0 l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 gia t\u0103ng t\u00e0i s\u1ea3n v\u00e0 thu nh\u1eadp, b\u1ea5t k\u1ec3 b\u1ea1n c\u00f3 kinh t\u1ebf h\u1ea1n h\u1eb9p hay kh\u00f4ng.<\/p>\n<p>B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean, h\u00e3y chia nh\u1ecf c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ed1 \u0111\u1ecbnh nh\u01b0 ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc, ti\u1ec1n nh\u00e0, sinh ho\u1ea1t ph\u00ed&#8230; Sau \u0111\u00f3, h\u00e3y cam k\u1ebft tr\u00edch ra m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh (d\u00f9 \u00edt hay nhi\u1ec1u) v\u00e0o qu\u1ef9 \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n.<\/p>\n<p>M\u1ed9t s\u1ed1 ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ea7u t\u01b0 ph\u1ed1 bi\u1ebfn:<\/p>\n<ul>\n<li>Ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng: L\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh, r\u1ee7i ro th\u1ea5p.<\/li>\n<\/ul>\n<p>Xem th\u00eam: <a href=\"https:\/\/infina.vn\/blog\/lai-suat-ngan-hang-nao-cao-nhat\/\">L\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng n\u00e0o cao nh\u1ea5t hi\u1ec7n nay th\u00e1ng 03\/2024<\/a><\/p>\n<ul>\n<li>Ch\u1ee9ng kho\u00e1n, c\u1ed5 phi\u1ebfu ng\u1eafn\/d\u00e0i h\u1ea1n: L\u1ee3i nhu\u1eadn cao, nh\u01b0ng \u0111\u00f2i h\u1ecfi ki\u1ebfn th\u1ee9c chuy\u00ean m\u00f4n.<\/li>\n<li>B\u1ea5t \u0111\u1ed9ng s\u1ea3n: L\u1ee3i nhu\u1eadn kinh t\u1ebf cao, nh\u01b0ng c\u1ea7n l\u01b0\u1ee3ng v\u1ed1n l\u1edbn. C\u00f3 th\u1ec3 g\u00f3p v\u1ed1n chung \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro.<\/li>\n<li>Qu\u1ef9 m\u1edf, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd: H\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u1edbi l\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh, nhi\u1ec1u ph\u00fac l\u1ee3i x\u00e3 h\u1ed9i, \u0111\u1ed3ng th\u1eddi \u0111\u00f3ng vai tr\u00f2 nh\u01b0 qu\u1ef9 s\u1ee9c kh\u1ecfe.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Hoc_cach_dieu_chinh_cam_xuc\"><\/span>H\u1ecdc c\u00e1ch \u0111i\u1ec1u ch\u1ec9nh c\u1ea3m x\u00fac<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u1ea3m x\u00fac \u0111\u00f3ng vai tr\u00f2 v\u00f4 c\u00f9ng quan tr\u1ecdng trong h\u00e0nh tr\u00ecnh chinh ph\u1ee5c th\u00e0nh c\u00f4ng, \u0111\u1eb7c bi\u1ec7t khi \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c t\u00e0i ch\u00ednh. Khi b\u1ea1n ki\u1ec3m so\u00e1t t\u1ed1t c\u1ea3m x\u00fac, b\u1ea1n s\u1ebd c\u00f3 kh\u1ea3 n\u0103ng v\u01b0\u1ee3t qua m\u1ecdi kh\u00f3 kh\u0103n v\u00e0 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t.<\/p>\n<p>T\u00ecnh tr\u1ea1ng c\u0103ng th\u1eb3ng k\u00e9o d\u00e0i do \u00e1p l\u1ef1c t\u00e0i ch\u00ednh s\u1ebd khi\u1ebfn b\u1ea1n m\u1ec7t m\u1ecfi, ki\u1ec7t qu\u1ec7 n\u0103ng l\u01b0\u1ee3ng v\u00e0 m\u1ea5t \u0111i \u0111\u1ed9ng l\u1ef1c ki\u1ebfm ti\u1ec1n. \u0110i\u1ec1u n\u00e0y khi\u1ebfn cho v\u00f2ng xo\u00e1y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng si\u1ebft ch\u1eb7t.<\/p>\n<p>\u0110\u1ec3 tho\u00e1t kh\u1ecfi v\u00f2ng xo\u00e1y n\u00e0y, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1ea1n c\u1ea7n h\u1ecdc c\u00e1ch \u0111i\u1ec1u ti\u1ebft c\u1ea3m x\u00fac c\u1ee7a b\u1ea3n th\u00e2n. H\u00e3y gi\u1eef b\u00ecnh t\u0129nh \u0111\u1ec3 c\u00f3 th\u1ec3 x\u1eed l\u00fd t\u00ecnh hu\u1ed1ng m\u1ed9t c\u00e1ch s\u00e1ng su\u1ed1t v\u00e0 t\u00ecm ra gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u.<\/p>\n<p>M\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ph\u00e1p gi\u00fap b\u1ea1n \u0111i\u1ec1u ch\u1ec9nh v\u00e0 c\u00e2n b\u1eb1ng c\u1ea3m x\u00fac:<\/p>\n<ul>\n<li>T\u00e2m s\u1ef1 v\u1edbi ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8<\/li>\n<li>T\u1eadp thi\u1ec1n, yoga<\/li>\n<li>Nghe nh\u1ea1c th\u01b0 gi\u00e3n<\/li>\n<li>D\u00e0nh th\u1eddi gian ch\u0103m s\u00f3c, l\u1eafng nghe b\u1ea3n th\u00e2n\u2026<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u00f3m l\u1ea1i, \u0111\u1ec3 tho\u00e1t kh\u1ecfi v\u00f2ng xo\u00e1y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh v\u00e0 h\u01b0\u1edbng \u0111\u1ebfn m\u1ed9t cu\u1ed9c s\u1ed1ng an nh\u00e0n, t\u1ef1 do, b\u1ea1n c\u00f3 th\u1ec3 th\u1eed \u00e1p d\u1ee5ng theo nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0\u1ee3c chia s\u1ebb ph\u00eda tr\u00ean. Ch\u1ec9 khi b\u1ea1n gia t\u0103ng t\u00e0i s\u1ea3n, h\u1ea1n ch\u1ebf ti\u00eau s\u1ea3n, thanh to\u00e1n h\u1ebft n\u1ee3 n\u1ea7n ho\u1eb7c \u0111\u01b0a s\u1ed1 n\u1ee3 v\u1ec1 m\u1ee9c 0, g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh m\u1edbi kh\u00f4ng c\u00f2n l\u00e0 m\u1ed1i lo \u00e2u th\u01b0\u1eddng tr\u1ef1c trong t\u00e2m tr\u00ed b\u1ea1n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tu&#7893;i tr&#7867; &#273;&#7847;y s&#7913;c s&#7889;ng v&agrave; &#432;&#7899;c m&#417;, nh&#432;ng c&#361;ng kh&ocirc;ng thi&#7871;u nh&#7919;ng lo l&#7855;ng, &#273;&#7863;c bi&#7879;t l&agrave; v&#7873; v&#7845;n &#273;&#7873; t&agrave;i ch&iacute;nh c&aacute; nh&acirc;n. Tr&aacute;ch nhi&#7879;m v&#7899;i vi&#7879;c chi ti&ecirc;u h&agrave;ng ng&agrave;y, suy ngh&#297; v&#7873; vi&#7879;c mua nh&agrave;, mua xe&hellip; khi&#7871;n cho nhi&#7873;u ng&#432;&#7901;i tr&#7867; c&#7843;m th&#7845;y c&#259;ng th&#7859;ng v&agrave; m&#7845;t ni&#7873;m tin. V&#7853;y [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":23807,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1247],"tags":[1267,1266,66],"class_list":{"0":"post-23805","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tai-chinh-ca-nhan","8":"tag-ap-luc-tai-chinh","9":"tag-genz","10":"tag-quan-ly-chi-tieu"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=23805"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23805\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/23807"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=23805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=23805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=23805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}