{"id":25996,"date":"2025-02-03T11:40:30","date_gmt":"2025-02-03T04:40:30","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=25996"},"modified":"2025-02-03T11:40:30","modified_gmt":"2025-02-03T04:40:30","slug":"5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/","title":{"rendered":"5 b\u01b0\u1edbc \u00e1p d\u1ee5ng ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc hi\u1ec7u qu\u1ea3"},"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;25996&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;5 b\u01b0\u1edbc \u00e1p d\u1ee5ng ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc hi\u1ec7u qu\u1ea3&quot;,&quot;width&quot;:&quot;0&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: 0px;\">\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            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><strong>B\u1ea1n mu\u1ed1n ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3 m\u00e0 kh\u00f4ng c\u1ea7n suy ngh\u0129 qu\u00e1 nhi\u1ec1u?<\/strong> H\u00e3y th\u1eed ph\u01b0\u01a1ng ph\u00e1p &#8220;Ti\u1ebft ki\u1ec7m Tr\u01b0\u1edbc&#8221; \u2013 c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u0111\u01a1n gi\u1ea3n nh\u01b0ng hi\u1ec7u qu\u1ea3. Thay v\u00ec chi ti\u00eau r\u1ed3i m\u1edbi ti\u1ebft ki\u1ec7m, b\u1ea1n s\u1ebd d\u00e0nh ra ngay m\u1ed9t kho\u1ea3n c\u1ed1 \u0111\u1ecbnh t\u1eeb thu nh\u1eadp \u0111\u1ec3 ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 5 b\u01b0\u1edbc d\u1ec5 th\u1ef1c hi\u1ec7n:<\/p>\n<ol>\n<li><strong>X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/strong>: Chia m\u1ee5c ti\u00eau th\u00e0nh ng\u1eafn h\u1ea1n (qu\u1ef9 kh\u1ea9n c\u1ea5p, tr\u1ea3 n\u1ee3) v\u00e0 d\u00e0i h\u1ea1n (mua nh\u00e0, h\u01b0u tr\u00ed).<\/li>\n<li><strong>T\u00ednh t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p<\/strong>: \u00c1p d\u1ee5ng quy t\u1eafc 50\/30\/20 ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh theo kh\u1ea3 n\u0103ng.<\/li>\n<li><strong>T\u1ef1 \u0111\u1ed9ng h\u00f3a ti\u1ebft ki\u1ec7m<\/strong>: Thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng \u0111\u1ec3 duy tr\u00ec th\u00f3i quen.<\/li>\n<li><strong>\u0110i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch<\/strong>: R\u00e0 so\u00e1t chi ti\u00eau, c\u1eaft gi\u1ea3m kho\u1ea3n kh\u00f4ng c\u1ea7n thi\u1ebft.<\/li>\n<li><strong>Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch<\/strong>: Ki\u1ec3m tra ti\u1ebfn \u0111\u1ed9 th\u01b0\u1eddng xuy\u00ean, \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n.<\/li>\n<\/ol>\n<p><strong>L\u1ee3i \u00edch<\/strong>: X\u00e2y d\u1ef1ng k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh, \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh, \u0111\u1ea1t m\u1ee5c ti\u00eau nhanh h\u01a1n v\u00e0 gi\u1ea3m c\u0103ng th\u1eb3ng. H\u00e3y b\u1eaft \u0111\u1ea7u ngay h\u00f4m nay \u0111\u1ec3 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n.<\/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 0H8v2h12v-2z\" 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class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Muc_tieu_Ngan_han_va_Dai_han\" title=\"M\u1ee5c ti\u00eau Ng\u1eafn h\u1ea1n v\u00e0 D\u00e0i h\u1ea1n\">M\u1ee5c ti\u00eau Ng\u1eafn h\u1ea1n v\u00e0 D\u00e0i h\u1ea1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Xac_dinh_Chi_tieu_Tiet_kiem\" title=\"X\u00e1c \u0111\u1ecbnh Ch\u1ec9 ti\u00eau Ti\u1ebft ki\u1ec7m\">X\u00e1c \u0111\u1ecbnh Ch\u1ec9 ti\u00eau Ti\u1ebft ki\u1ec7m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Buoc_2_Xac_dinh_Ty_le_Tiet_kiem\" title=\"B\u01b0\u1edbc 2: X\u00e1c \u0111\u1ecbnh T\u1ef7 l\u1ec7 Ti\u1ebft ki\u1ec7m\">B\u01b0\u1edbc 2: X\u00e1c \u0111\u1ecbnh T\u1ef7 l\u1ec7 Ti\u1ebft ki\u1ec7m<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Cach_Tinh_va_Dieu_Chinh_Ty_le_Tiet_kiem\" title=\"C\u00e1ch T\u00ednh v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh T\u1ef7 l\u1ec7 Ti\u1ebft ki\u1ec7m\">C\u00e1ch T\u00ednh v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh T\u1ef7 l\u1ec7 Ti\u1ebft ki\u1ec7m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Buoc_3_Tu_dong_hoa_viec_Tiet_kiem\" title=\"B\u01b0\u1edbc 3: T\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c Ti\u1ebft ki\u1ec7m\">B\u01b0\u1edbc 3: T\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c Ti\u1ebft ki\u1ec7m<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Cai_dat_Chuyen_khoan_Tu_dong\" title=\"C\u00e0i \u0111\u1eb7t Chuy\u1ec3n kho\u1ea3n T\u1ef1 \u0111\u1ed9ng\">C\u00e0i \u0111\u1eb7t Chuy\u1ec3n kho\u1ea3n T\u1ef1 \u0111\u1ed9ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Dung_Cong_cu_So_de_Ho_tro_Tiet_kiem\" title=\"D\u00f9ng C\u00f4ng c\u1ee5 S\u1ed1 \u0111\u1ec3 H\u1ed7 tr\u1ee3 Ti\u1ebft ki\u1ec7m\">D\u00f9ng C\u00f4ng c\u1ee5 S\u1ed1 \u0111\u1ec3 H\u1ed7 tr\u1ee3 Ti\u1ebft ki\u1ec7m<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Buoc_4_Dieu_chinh_Ngan_sach_de_Tiet_kiem\" title=\"B\u01b0\u1edbc 4: \u0110i\u1ec1u ch\u1ec9nh Ng\u00e2n s\u00e1ch \u0111\u1ec3 Ti\u1ebft ki\u1ec7m\">B\u01b0\u1edbc 4: \u0110i\u1ec1u ch\u1ec9nh Ng\u00e2n s\u00e1ch \u0111\u1ec3 Ti\u1ebft ki\u1ec7m<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Ra_soat_Chi_tieu\" title=\"R\u00e0 so\u00e1t Chi ti\u00eau\">R\u00e0 so\u00e1t Chi ti\u00eau<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Tang_Kha_nang_Tiet_kiem_trong_Ngan_sach\" title=\"T\u0103ng Kh\u1ea3 n\u0103ng Ti\u1ebft ki\u1ec7m trong Ng\u00e2n s\u00e1ch\">T\u0103ng Kh\u1ea3 n\u0103ng Ti\u1ebft ki\u1ec7m trong Ng\u00e2n s\u00e1ch<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Buoc_5_Theo_doi_va_Dieu_chinh_Ke_hoach_Tiet_kiem\" title=\"B\u01b0\u1edbc 5: Theo d\u00f5i v\u00e0 \u0110i\u1ec1u ch\u1ec9nh K\u1ebf ho\u1ea1ch Ti\u1ebft ki\u1ec7m\">B\u01b0\u1edbc 5: Theo d\u00f5i v\u00e0 \u0110i\u1ec1u ch\u1ec9nh K\u1ebf ho\u1ea1ch Ti\u1ebft ki\u1ec7m<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Theo_doi_va_Dieu_chinh_Ke_hoach\" title=\"Theo d\u00f5i v\u00e0 \u0110i\u1ec1u ch\u1ec9nh K\u1ebf ho\u1ea1ch\">Theo d\u00f5i v\u00e0 \u0110i\u1ec1u ch\u1ec9nh K\u1ebf ho\u1ea1ch<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Bonus_Vuot_qua_Thach_thuc_trong_Tiet_kiem_Truoc\" title=\"Bonus: V\u01b0\u1ee3t qua Th\u00e1ch th\u1ee9c trong Ti\u1ebft ki\u1ec7m Tr\u01b0\u1edbc\">Bonus: V\u01b0\u1ee3t qua Th\u00e1ch th\u1ee9c trong Ti\u1ebft ki\u1ec7m Tr\u01b0\u1edbc<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Nhung_Rao_can_Thuong_Gap\" title=\"Nh\u1eefng R\u00e0o c\u1ea3n Th\u01b0\u1eddng G\u1eb7p\">Nh\u1eefng R\u00e0o c\u1ea3n Th\u01b0\u1eddng G\u1eb7p<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Chien_Luoc_Duy_Tri_Thoi_Quen\" title=\"Chi\u1ebfn L\u01b0\u1ee3c Duy Tr\u00ec Th\u00f3i Quen\">Chi\u1ebfn L\u01b0\u1ee3c Duy Tr\u00ec Th\u00f3i Quen<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Ket_luan_Bat_dau_Tiet_kiem_Ngay_Hom_Nay\" title=\"K\u1ebft lu\u1eadn: B\u1eaft \u0111\u1ea7u Ti\u1ebft ki\u1ec7m Ngay H\u00f4m Nay\">K\u1ebft lu\u1eadn: B\u1eaft \u0111\u1ea7u Ti\u1ebft ki\u1ec7m Ngay H\u00f4m Nay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Cau_hoi_thuong_gap\" title=\"C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Phuong_phap_tiet_kiem_truoc_mang_lai_nhung_loi_ich_gi\" title=\"Ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?\">Ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/infina.vn\/blog\/5-buoc-ap-dung-tiet-kiem-truoc-hieu-qua-tc\/#Cong_thuc_tiet_kiem_truoc_duoc_tinh_nhu_the_nao\" title=\"C\u00f4ng th\u1ee9c ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o?\">C\u00f4ng th\u1ee9c ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Buoc_1_Xac_dinh_Muc_tieu_Tai_chinh\"><\/span>B\u01b0\u1edbc 1: X\u00e1c \u0111\u1ecbnh M\u1ee5c ti\u00eau T\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u1ec3 ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3, b\u1ea1n c\u1ea7n b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch \u0111\u1eb7t ra c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean v\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Muc_tieu_Ngan_han_va_Dai_han\"><\/span>M\u1ee5c ti\u00eau Ng\u1eafn h\u1ea1n v\u00e0 D\u00e0i h\u1ea1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e3y chia m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n th\u00e0nh hai nh\u00f3m ch\u00ednh:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Lo\u1ea1i m\u1ee5c ti\u00eau<\/th>\n<th colspan=\"1\" rowspan=\"1\">V\u00ed d\u1ee5<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ng\u1eafn h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ea1o qu\u1ef9 kh\u1ea9n c\u1ea5p \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi c\u00e1c t\u00ecnh hu\u1ed1ng b\u1ea5t ng\u1edd ho\u1eb7c tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">D\u00e0i h\u1ea1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed ho\u1eb7c mua nh\u00e0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Xac_dinh_Chi_tieu_Tiet_kiem\"><\/span>X\u00e1c \u0111\u1ecbnh Ch\u1ec9 ti\u00eau Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch l\u00e0 \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc 50\/30\/20:<\/p>\n<ul>\n<li><strong>50%<\/strong> thu nh\u1eadp d\u00e0nh cho nhu c\u1ea7u thi\u1ebft y\u1ebfu nh\u01b0 \u0103n u\u1ed1ng, nh\u00e0 \u1edf, v\u00e0 h\u00f3a \u0111\u01a1n.<\/li>\n<li><strong>30%<\/strong> d\u00e0nh cho c\u00e1c chi ti\u00eau c\u00e1 nh\u00e2n nh\u01b0 gi\u1ea3i tr\u00ed, du l\u1ecbch.<\/li>\n<li><strong>20%<\/strong> t\u1eadp trung v\u00e0o ti\u1ebft ki\u1ec7m v\u00e0 tr\u1ea3 n\u1ee3.<\/li>\n<\/ul>\n<p>Khi chia nh\u1ecf thu nh\u1eadp theo c\u00e1c m\u1ee5c ti\u00eau, b\u1ea1n c\u1ea7n \u0111\u1ea3m b\u1ea3o c\u00e1c kho\u1ea3n n\u00e0y ph\u1ea3n \u00e1nh \u0111\u00fang \u01b0u ti\u00ean t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n<p>Sau khi \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u00f5 c\u00e1c m\u1ee5c ti\u00eau, b\u01b0\u1edbc ti\u1ebfp theo s\u1ebd l\u00e0 t\u00ednh to\u00e1n t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u00fang.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Buoc_2_Xac_dinh_Ty_le_Tiet_kiem\"><\/span>B\u01b0\u1edbc 2: X\u00e1c \u0111\u1ecbnh T\u1ef7 l\u1ec7 Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D\u1ef1a tr\u00ean c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1eb7t ra \u1edf B\u01b0\u1edbc 1, vi\u1ec7c x\u00e1c \u0111\u1ecbnh t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m h\u1ee3p l\u00fd s\u1ebd gi\u00fap b\u1ea1n ti\u1ebfn g\u1ea7n h\u01a1n \u0111\u1ebfn nh\u1eefng m\u1ee5c ti\u00eau n\u00e0y m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cach_Tinh_va_Dieu_Chinh_Ty_le_Tiet_kiem\"><\/span>C\u00e1ch T\u00ednh v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh T\u1ef7 l\u1ec7 Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng th\u1ee9c \u0111\u01a1n gi\u1ea3n sau \u0111\u1ec3 t\u00ednh t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m:<\/p>\n<p><strong>T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m = (S\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m \/ Thu nh\u1eadp) x 100<\/strong><\/p>\n<p>V\u00ed d\u1ee5: N\u1ebfu thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n l\u00e0 8 tri\u1ec7u \u0111\u1ed3ng, b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y minh h\u1ecda c\u00e1c m\u1ee9c ti\u1ebft ki\u1ec7m t\u01b0\u01a1ng \u1ee9ng:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">T\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m h\u00e0ng th\u00e1ng<\/th>\n<th colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m m\u1ed9t n\u0103m<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">10%<\/td>\n<td colspan=\"1\" rowspan=\"1\">800.000\u0111<\/td>\n<td colspan=\"1\" rowspan=\"1\">9.600.000\u0111<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">20%<\/td>\n<td colspan=\"1\" rowspan=\"1\">1.600.000\u0111<\/td>\n<td colspan=\"1\" rowspan=\"1\">19.200.000\u0111<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u0110i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m<\/strong> d\u1ef1a tr\u00ean c\u00e1c y\u1ebfu t\u1ed1 sau:<\/p>\n<ul>\n<li><strong>M\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n<\/strong>: V\u00ed d\u1ee5, x\u00e2y d\u1ef1ng qu\u1ef9 kh\u1ea9n c\u1ea5p \u0111\u1ee7 chi ti\u00eau t\u1eeb 3 \u0111\u1ebfn 6 th\u00e1ng.<\/li>\n<li><strong>M\u1ee5c ti\u00eau d\u00e0i h\u1ea1n<\/strong>: Nh\u01b0 ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed ho\u1eb7c mua nh\u00e0.<\/li>\n<li><strong>T\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong>: Linh ho\u1ea1t thay \u0111\u1ed5i theo m\u1ee9c thu nh\u1eadp v\u00e0 chi ph\u00ed th\u1ef1c t\u1ebf.<\/li>\n<\/ul>\n<p>Khi \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m ph\u00f9 h\u1ee3p, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a qu\u00e1 tr\u00ecnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 nh\u1ea5t qu\u00e1n v\u00e0 hi\u1ec7u qu\u1ea3.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Buoc_3_Tu_dong_hoa_viec_Tiet_kiem\"><\/span>B\u01b0\u1edbc 3: T\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m, t\u1ef1 \u0111\u1ed9ng h\u00f3a s\u1ebd gi\u00fap b\u1ea1n duy tr\u00ec th\u00f3i quen n\u00e0y m\u00e0 kh\u00f4ng c\u1ea7n qu\u00e1 nhi\u1ec1u c\u00f4ng s\u1ee9c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cai_dat_Chuyen_khoan_Tu_dong\"><\/span>C\u00e0i \u0111\u1eb7t Chuy\u1ec3n kho\u1ea3n T\u1ef1 \u0111\u1ed9ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e3y thi\u1ebft l\u1eadp chuy\u1ec3n kho\u1ea3n t\u1ef1 \u0111\u1ed9ng ngay sau ng\u00e0y nh\u1eadn l\u01b0\u01a1ng. Ch\u1ecdn s\u1ed1 ti\u1ec1n v\u00e0 t\u1ea7n su\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u1eb7t ra. \u0110i\u1ec1u n\u00e0y gi\u00fap vi\u1ec7c ti\u1ebft ki\u1ec7m di\u1ec5n ra \u0111\u1ec1u \u0111\u1eb7n v\u00e0 kh\u00f4ng b\u1ecb gi\u00e1n \u0111o\u1ea1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dung_Cong_cu_So_de_Ho_tro_Tiet_kiem\"><\/span>D\u00f9ng C\u00f4ng c\u1ee5 S\u1ed1 \u0111\u1ec3 H\u1ed7 tr\u1ee3 Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c \u1ee9ng d\u1ee5ng nh\u01b0 <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> mang l\u1ea1i l\u1ee3i \u00edch v\u1edbi l\u00e3i su\u1ea5t cao, kh\u1ea3 n\u0103ng r\u00fat ti\u1ec1n linh ho\u1ea1t v\u00e0 theo d\u00f5i ti\u1ebfn \u0111\u1ed9 ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng. T\u1ef1 \u0111\u1ed9ng h\u00f3a kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m th\u01b0\u1eddng xuy\u00ean m\u00e0 c\u00f2n l\u00e0m cho qu\u00e1 tr\u00ecnh n\u00e0y tr\u1edf n\u00ean hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ecdi th\u1ee9 ho\u1ea1t \u0111\u1ed9ng tr\u01a1n tru, b\u1ea1n n\u00ean:<\/p>\n<ul>\n<li><strong>Ki\u1ec3m tra \u0111\u1ecbnh k\u1ef3<\/strong>: Xem l\u1ea1i thi\u1ebft l\u1eadp t\u1ef1 \u0111\u1ed9ng h\u00e0ng th\u00e1ng v\u00e0 \u0111\u1ea3m b\u1ea3o t\u00e0i kho\u1ea3n lu\u00f4n \u0111\u1ee7 s\u1ed1 d\u01b0 \u0111\u1ec3 chuy\u1ec3n kho\u1ea3n.<\/li>\n<li><strong>Theo d\u00f5i ti\u1ebfn \u0111\u1ed9<\/strong>: S\u1eed d\u1ee5ng c\u00e1c b\u00e1o c\u00e1o t\u1ef1 \u0111\u1ed9ng t\u1eeb c\u00f4ng c\u1ee5 ti\u1ebft ki\u1ec7m \u0111\u1ec3 bi\u1ebft b\u1ea1n \u0111ang ti\u1ebfn g\u1ea7n \u0111\u1ebfn m\u1ee5c ti\u00eau nh\u01b0 th\u1ebf n\u00e0o.<\/li>\n<\/ul>\n<p>Khi \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c ti\u1ebft ki\u1ec7m, b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n sang \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch \u0111\u1ec3 ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n<div class=\"infina-box\">\n<p style=\"color: black;\"><strong>Gi\u00fap ti\u1ec1n c\u1ee7a b\u1ea1n sinh l\u1eddi hi\u1ec7u qu\u1ea3!<\/strong><\/p>\n<p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi Infina l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u1eefng ai mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 sinh l\u1eddi tr\u00ean d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh:<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean qu\u1ef9 d\u1ef1 ph\u00f2ng<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean ti\u1ec1n l\u01b0\u01a1ng<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean doanh thu c\u1eeda h\u00e0ng<\/p>\n<p class=\"my-3\">Sinh l\u1eddi tr\u00ean ti\u1ec1n ch\u1edd t\u00e1i \u0111\u1ea7u t\u01b0<\/p>\n<p class=\"my-3\">V\u1edbi m\u1ed9t t\u00e0i kho\u1ea3n duy nh\u1ea5t, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 sinh l\u1eddi m\u1ed7i ng\u00e0y t\u1eeb s\u1ed1 ti\u1ec1n nh\u00e0n r\u1ed7i m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 an to\u00e0n.<\/p>\n<p>T\u00c0I KHO\u1ea2N SINH L\u1edcI: T\u01b0\u01a1ng t\u1ef1 g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng nh\u01b0ng l\u1ee3i nhu\u1eadn \u01b0u \u0111\u00e3i v\u01b0\u1ee3t tr\u1ed9i<\/p>\n<p class=\"my-3\">Sinh l\u1eddi linh ho\u1ea1t v\u1edbi l\u1ee3i nhu\u1eadn 4.9%\/n\u0103m, cao h\u01a1n g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n th\u00f4ng th\u01b0\u1eddng ch\u1ec9 c\u00f3 0.1%-0.5%\/n\u0103m. N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u00e3i h\u00e0ng ng\u00e0y v\u00e0 r\u00fat v\u1ed1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n<p class=\"my-3\">Sinh l\u1eddi c\u00f3 k\u1ef3 h\u1ea1n:<\/p>\n<p class=\"my-3\">\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn, Infina cung c\u1ea5p c\u00e1c g\u00f3i c\u00f3 k\u1ef3 h\u1ea1n t\u1eeb 1 &#8211; 12 th\u00e1ng v\u1edbi l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn l\u00ean \u0111\u1ebfn 5.7%\/n\u0103m.<\/p>\n<p><a class=\"infina-button\" href=\"https:\/\/infina.vn\/\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a><\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Buoc_4_Dieu_chinh_Ngan_sach_de_Tiet_kiem\"><\/span>B\u01b0\u1edbc 4: \u0110i\u1ec1u ch\u1ec9nh Ng\u00e2n s\u00e1ch \u0111\u1ec3 Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Ra_soat_Chi_tieu\"><\/span>R\u00e0 so\u00e1t Chi ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e3y xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng c\u00e1c kho\u1ea3n chi ti\u00eau hi\u1ec7n t\u1ea1i \u0111\u1ec3 t\u00ecm ra nh\u1eefng c\u00e1ch ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3 h\u01a1n. B\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n lo\u1ea1i chi ti\u00eau nh\u01b0 sau:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Lo\u1ea1i Chi ti\u00eau<\/th>\n<th colspan=\"1\" rowspan=\"1\">V\u00ed d\u1ee5<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi ti\u00eau thi\u1ebft y\u1ebfu<\/td>\n<td colspan=\"1\" rowspan=\"1\">Nh\u00e0 \u1edf, \u0111i\u1ec7n n\u01b0\u1edbc, th\u1ef1c ph\u1ea9m, \u0111i l\u1ea1i<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi ti\u00eau kh\u00f4ng thi\u1ebft y\u1ebfu<\/td>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3i tr\u00ed, mua s\u1eafm, \u0103n u\u1ed1ng ngo\u00e0i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Tang_Kha_nang_Tiet_kiem_trong_Ngan_sach\"><\/span>T\u0103ng Kh\u1ea3 n\u0103ng Ti\u1ebft ki\u1ec7m trong Ng\u00e2n s\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 thay \u0111\u1ed5i \u0111\u1ec3 d\u00e0nh ra nhi\u1ec1u ti\u1ec1n h\u01a1n cho ti\u1ebft ki\u1ec7m.<\/p>\n<p><strong>C\u1eaft gi\u1ea3m c\u00e1c kho\u1ea3n kh\u00f4ng c\u1ea7n thi\u1ebft<\/strong>:<\/p>\n<ul>\n<li>Xem l\u1ea1i v\u00e0 h\u1ee7y b\u1ecf nh\u1eefng d\u1ecbch v\u1ee5 \u0111\u0103ng k\u00fd m\u00e0 b\u1ea1n kh\u00f4ng d\u00f9ng \u0111\u1ebfn.<\/li>\n<li>T\u1eadn d\u1ee5ng c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u1ea3m gi\u00e1 ho\u1eb7c \u01b0u \u0111\u00e3i.<\/li>\n<li>L\u00ean k\u1ebf ho\u1ea1ch chi ti\u00eau c\u1ee5 th\u1ec3 cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng gi\u1ea3i tr\u00ed \u0111\u1ec3 tr\u00e1nh chi ti\u00eau qu\u00e1 m\u1ee9c.<\/li>\n<\/ul>\n<p><strong>Qu\u1ea3n l\u00fd t\u1ed1t chi ti\u00eau thi\u1ebft y\u1ebfu<\/strong>:<\/p>\n<ul>\n<li>Th\u01b0\u01a1ng l\u01b0\u1ee3ng gi\u00e1 c\u1ea3 v\u1edbi nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 nh\u01b0 internet, \u0111i\u1ec7n n\u01b0\u1edbc.<\/li>\n<li>L\u1eadp danh s\u00e1ch mua s\u1eafm th\u1ef1c ph\u1ea9m \u0111\u1ec3 tr\u00e1nh l\u00e3ng ph\u00ed v\u00e0 chi ti\u00eau kh\u00f4ng c\u1ea7n thi\u1ebft.<\/li>\n<\/ul>\n<p>\u0110\u1ec3 duy tr\u00ec th\u00f3i quen ti\u1ebft ki\u1ec7m, h\u00e3y:<\/p>\n<ul>\n<li>S\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u0111\u1ec3 theo d\u00f5i chi ti\u00eau h\u00e0ng ng\u00e0y.<\/li>\n<li>\u0110\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m r\u00f5 r\u00e0ng cho t\u1eebng th\u00e1ng.<\/li>\n<li>Th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch khi c\u1ea7n.<\/li>\n<\/ul>\n<p>V\u1edbi Infina, b\u1ea1n c\u00f3 th\u1ec3 theo d\u00f5i ti\u1ebfn \u0111\u1ed9 ti\u1ebft ki\u1ec7m v\u00e0 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a l\u1ee3i nhu\u1eadn t\u1eeb s\u1ed1 ti\u1ec1n \u0111\u00e3 t\u00edch l\u0169y. Sau khi ho\u00e0n t\u1ea5t vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n \u0111i \u0111\u00fang h\u01b0\u1edbng.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Buoc_5_Theo_doi_va_Dieu_chinh_Ke_hoach_Tiet_kiem\"><\/span>B\u01b0\u1edbc 5: Theo d\u00f5i v\u00e0 \u0110i\u1ec1u ch\u1ec9nh K\u1ebf ho\u1ea1ch Ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 c\u00e2n \u0111\u1ed1i ng\u00e2n s\u00e1ch, vi\u1ec7c theo d\u00f5i ti\u1ebfn \u0111\u1ed9 l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Theo_doi_va_Dieu_chinh_Ke_hoach\"><\/span>Theo d\u00f5i v\u00e0 \u0110i\u1ec1u ch\u1ec9nh K\u1ebf ho\u1ea1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Theo d\u00f5i ti\u1ebfn \u0111\u1ed9:<\/strong><\/p>\n<ul>\n<li>Ki\u1ec3m tra m\u1ee9c \u0111\u1ed9 ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau.<\/li>\n<li>Ph\u00e1t hi\u1ec7n s\u1edbm c\u00e1c v\u1ea5n \u0111\u1ec1 c\u00f3 th\u1ec3 x\u1ea3y ra.<\/li>\n<li>Gi\u1eef v\u1eefng tinh th\u1ea7n v\u00e0 \u0111\u1ed9ng l\u1ef1c ti\u1ebft ki\u1ec7m.<\/li>\n<\/ul>\n<p>B\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng, c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh ho\u1eb7c b\u1ea3ng t\u00ednh \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a vi\u1ec7c theo d\u00f5i ti\u1ebfn \u0111\u1ed9 ti\u1ebft ki\u1ec7m.<\/p>\n<p><strong>\u0110i\u1ec1u ch\u1ec9nh khi c\u1ea7n:<\/strong><\/p>\n<ul>\n<li>Khi thu nh\u1eadp ho\u1eb7c chi ph\u00ed thay \u0111\u1ed5i.<\/li>\n<li>Khi c\u00f3 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh m\u1edbi xu\u1ea5t hi\u1ec7n.<\/li>\n<li>Khi ho\u00e0n c\u1ea3nh gia \u0111\u00ecnh c\u00f3 s\u1ef1 thay \u0111\u1ed5i.<\/li>\n<\/ul>\n<blockquote><p>&#8220;Hi\u1ec3u r\u00f5 thu nh\u1eadp v\u00e0 chi ti\u00eau gi\u00fap vi\u1ec7c ti\u1ebft ki\u1ec7m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.&#8221;<\/p><\/blockquote>\n<p>\u0110\u1ec3 t\u1ed1i \u01b0u h\u00f3a k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m:<\/p>\n<ul>\n<li>R\u00e0 so\u00e1t l\u1ea1i c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh.<\/li>\n<li>C\u00e2n nh\u1eafc \u0111i\u1ec1u ch\u1ec9nh t\u1ef7 l\u1ec7 ph\u00e2n b\u1ed5 cho t\u1eebng m\u1ee5c ti\u00eau.<\/li>\n<\/ul>\n<p>Infina cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 h\u1eefu \u00edch gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd v\u00e0 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb kho\u1ea3n ti\u1ebft ki\u1ec7m, \u0111\u1ed3ng th\u1eddi d\u1ec5 d\u00e0ng \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch theo nhu c\u1ea7u th\u1ef1c t\u1ebf.<\/p>\n<p>Vi\u1ec7c theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh th\u01b0\u1eddng xuy\u00ean s\u1ebd gi\u00fap b\u1ea1n lu\u00f4n duy tr\u00ec \u0111\u00fang h\u01b0\u1edbng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1ec1 ra.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bonus_Vuot_qua_Thach_thuc_trong_Tiet_kiem_Truoc\"><\/span>Bonus: V\u01b0\u1ee3t qua Th\u00e1ch th\u1ee9c trong Ti\u1ebft ki\u1ec7m Tr\u01b0\u1edbc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D\u00f9 c\u00e1c b\u01b0\u1edbc tr\u01b0\u1edbc \u0111\u00e3 t\u1ea1o n\u1ec1n t\u1ea3ng t\u1ed1t, nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn g\u1eb7p kh\u00f3 kh\u0103n khi \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch x\u1eed l\u00fd nh\u1eefng r\u00e0o c\u1ea3n ph\u1ed5 bi\u1ebfn \u0111\u1ec3 duy tr\u00ec th\u00f3i quen n\u00e0y.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Nhung_Rao_can_Thuong_Gap\"><\/span>Nh\u1eefng R\u00e0o c\u1ea3n Th\u01b0\u1eddng G\u1eb7p<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Hai v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t th\u01b0\u1eddng l\u00e0 chi ph\u00ed b\u1ea5t ng\u1edd v\u00e0 thi\u1ebfu \u0111\u1ed9ng l\u1ef1c. \u0110\u1ed1i m\u1eb7t v\u1edbi c\u00e1c t\u00ecnh hu\u1ed1ng ph\u00e1t sinh ho\u1eb7c kh\u00f4ng th\u1ea5y k\u1ebft qu\u1ea3 ngay l\u1eadp t\u1ee9c c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n d\u1ec5 n\u1ea3n l\u00f2ng.<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">R\u00e0o c\u1ea3n<\/th>\n<th colspan=\"1\" rowspan=\"1\">Gi\u1ea3i ph\u00e1p<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi ph\u00ed \u0111\u1ed9t xu\u1ea5t<\/td>\n<td colspan=\"1\" rowspan=\"1\">S\u1eed d\u1ee5ng qu\u1ef9 d\u1ef1 ph\u00f2ng \u0111\u1ec3 x\u1eed l\u00fd, \u0111\u1ed3ng th\u1eddi ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m.<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thi\u1ebfu \u0111\u1ed9ng l\u1ef1c<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u1eb7t m\u1ee5c ti\u00eau nh\u1ecf v\u00e0 theo d\u00f5i ti\u1ebfn \u0111\u1ed9 \u0111\u1ec3 gi\u1eef v\u1eefng tinh th\u1ea7n.<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Kh\u00f3 ki\u1ec3m so\u00e1t chi ti\u00eau<\/td>\n<td colspan=\"1\" rowspan=\"1\">S\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng ho\u1eb7c c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u0111\u1ec3 theo d\u00f5i chi ti\u00eau.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Chien_Luoc_Duy_Tri_Thoi_Quen\"><\/span>Chi\u1ebfn L\u01b0\u1ee3c Duy Tr\u00ec Th\u00f3i Quen<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u1ef1 \u0111\u1ed9ng h\u00f3a l\u00e0 c\u00e1ch \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u1ec1u \u0111\u1eb7n m\u00e0 kh\u00f4ng c\u1ea7n qu\u00e1 nhi\u1ec1u n\u1ed7 l\u1ef1c. Ngo\u00e0i ra, \u0111\u1eb7t c\u00e1c m\u1ee5c ti\u00eau nh\u1ecf v\u00e0 t\u1ef1 th\u01b0\u1edfng khi \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u0169ng gi\u00fap b\u1ea1n duy tr\u00ec \u0111\u1ed9ng l\u1ef1c.<\/p>\n<blockquote><p>&#8220;Vi\u1ec7c \u00e1p d\u1ee5ng quy t\u1eafc 50\/30\/20 trong ph\u00e2n b\u1ed5 thu nh\u1eadp gi\u00fap c\u00e2n b\u1eb1ng gi\u1eefa chi ti\u00eau thi\u1ebft y\u1ebfu, c\u00e1 nh\u00e2n v\u00e0 ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3&#8221;.<\/p><\/blockquote>\n<p>Infina mang \u0111\u1ebfn gi\u1ea3i ph\u00e1p gi\u00fap b\u1ea1n v\u1eeba duy tr\u00ec th\u00f3i quen ti\u1ebft ki\u1ec7m, v\u1eeba t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb c\u00e1c kho\u1ea3n ti\u1ec1n nh\u00e0n r\u1ed7i th\u00f4ng qua c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng.<\/p>\n<p>B\u1eb1ng c\u00e1ch \u00e1p d\u1ee5ng nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng v\u01b0\u1ee3t qua c\u00e1c kh\u00f3 kh\u0103n v\u00e0 duy tr\u00ec th\u00f3i quen ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan_Bat_dau_Tiet_kiem_Ngay_Hom_Nay\"><\/span>K\u1ebft lu\u1eadn: B\u1eaft \u0111\u1ea7u Ti\u1ebft ki\u1ec7m Ngay H\u00f4m Nay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ti\u1ebft ki\u1ec7m t\u1eeb s\u1edbm kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c hi\u1ec7u qu\u1ea3 m\u00e0 c\u00f2n l\u00e0 b\u01b0\u1edbc \u0111\u1ec7m quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh. Theo C\u1ee5c \u0110i\u1ec1u tra D\u00e2n s\u1ed1 n\u0103m 2020, ch\u01b0a \u0111\u1ebfn 50% ng\u01b0\u1eddi M\u1ef9 trong \u0111\u1ed9 tu\u1ed5i lao \u0111\u1ed9ng c\u00f3 kho\u1ea3n ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y vi\u1ec7c h\u00ecnh th\u00e0nh th\u00f3i quen ti\u1ebft ki\u1ec7m t\u1eeb s\u1edbm l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.<\/p>\n<p>\u0110i\u1ec1u c\u1ed1t l\u00f5i \u0111\u1ec3 ti\u1ebft ki\u1ec7m th\u00e0nh c\u00f4ng l\u00e0 duy tr\u00ec th\u00f3i quen \u0111\u1ec1u \u0111\u1eb7n. Ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc cho ph\u00e9p b\u1ea1n kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh m\u00e0 c\u00f2n t\u00edch l\u0169y t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng. Vi\u1ec7c t\u1ef1 \u0111\u1ed9ng h\u00f3a kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra ti\u1ebfn \u0111\u1ed9 c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n gi\u1eef v\u1eefng k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh.<\/p>\n<p>Infina mang \u0111\u1ebfn gi\u1ea3i ph\u00e1p ti\u1ebft ki\u1ec7m linh ho\u1ea1t v\u1edbi l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn, t\u00ednh l\u00e3i h\u00e0ng ng\u00e0y v\u00e0 kh\u1ea3 n\u0103ng r\u00fat ti\u1ec1n d\u1ec5 d\u00e0ng, gi\u00fap b\u1ea1n t\u1ed1i \u0111a h\u00f3a gi\u00e1 tr\u1ecb kho\u1ea3n ti\u1ebft ki\u1ec7m c\u1ee7a m\u00ecnh.<\/p>\n<p>H\u00e3y b\u1eaft \u0111\u1ea7u ngay h\u00f4m nay \u0111\u1ec3 t\u1ef1 tay x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc v\u00e0 th\u00f3i quen qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c l\u00e2u d\u00e0i.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap\"><\/span>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Phuong_phap_tiet_kiem_truoc_mang_lai_nhung_loi_ich_gi\"><\/span>Ph\u01b0\u01a1ng ph\u00e1p ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc l\u00e0 c\u00e1ch t\u1ef1 \u0111\u1ed9ng d\u00e0nh ra m\u1ed9t ph\u1ea7n thu nh\u1eadp ngay khi nh\u1eadn l\u01b0\u01a1ng, gi\u00fap b\u1ea1n h\u00ecnh th\u00e0nh th\u00f3i quen qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n. Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y kh\u00f4ng ch\u1ec9 gi\u1ea3m thi\u1ec3u chi ti\u00eau kh\u00f4ng c\u1ea7n thi\u1ebft m\u00e0 c\u00f2n t\u1ea1o ra m\u1ed9t qu\u1ef9 d\u1ef1 ph\u00f2ng cho c\u00e1c kho\u1ea3n chi l\u1edbn ho\u1eb7c b\u1ea5t ng\u1edd.<\/p>\n<p>M\u1ed9t nghi\u00ean c\u1ee9u t\u1eeb Fidelity Investments k\u00e9o d\u00e0i 10 n\u0103m v\u1edbi h\u01a1n 1 tri\u1ec7u ng\u01b0\u1eddi tham gia cho th\u1ea5y, nh\u1eefng ng\u01b0\u1eddi d\u00e0nh \u00edt nh\u1ea5t 10% thu nh\u1eadp v\u00e0o qu\u1ef9 h\u01b0u tr\u00ed 401(k) c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh cao h\u01a1n h\u1eb3n so v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng l\u00e0m \u0111i\u1ec1u n\u00e0y.<\/p>\n<p>V\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 t\u00edch c\u1ef1c, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y \u0111\u1ec3 ti\u1ebfn g\u1ea7n h\u01a1n t\u1edbi c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cong_thuc_tiet_kiem_truoc_duoc_tinh_nhu_the_nao\"><\/span>C\u00f4ng th\u1ee9c ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Quy t\u1eafc 50\/30\/20 l\u00e0 m\u1ed9t c\u00e1ch ph\u00e2n b\u1ed5 thu nh\u1eadp ph\u1ed5 bi\u1ebfn v\u00e0 hi\u1ec7u qu\u1ea3:<\/p>\n<ul>\n<li><strong>50% cho c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu<\/strong> nh\u01b0 ti\u1ec1n nh\u00e0, th\u1ef1c ph\u1ea9m.<\/li>\n<li><strong>30% cho c\u00e1c chi ti\u00eau linh ho\u1ea1t<\/strong> nh\u01b0 gi\u1ea3i tr\u00ed, mua s\u1eafm.<\/li>\n<li><strong>20% d\u00e0nh cho ti\u1ebft ki\u1ec7m<\/strong> ho\u1eb7c \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<p>V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n c\u00f3 thu nh\u1eadp 10 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5: 5 tri\u1ec7u cho thi\u1ebft y\u1ebfu, 3 tri\u1ec7u cho linh ho\u1ea1t, v\u00e0 2 tri\u1ec7u \u0111\u1ec3 ti\u1ebft ki\u1ec7m.<\/p>\n<p>\u0110\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a v\u00e0 theo d\u00f5i qu\u00e1 tr\u00ecnh ti\u1ebft ki\u1ec7m, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh nh\u01b0 Infina, gi\u00fap t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B&#7841;n mu&#7889;n ti&#7871;t ki&#7879;m hi&#7879;u qu&#7843; m&agrave; kh&ocirc;ng c&#7847;n suy ngh&#297; qu&aacute; nhi&#7873;u? H&atilde;y th&#7917; ph&#432;&#417;ng ph&aacute;p &ldquo;Ti&#7871;t ki&#7879;m Tr&#432;&#7899;c&rdquo; &ndash; c&aacute;ch qu&#7843;n l&yacute; t&agrave;i ch&iacute;nh &#273;&#417;n gi&#7843;n nh&#432;ng hi&#7879;u qu&#7843;. Thay v&igrave; chi ti&ecirc;u r&#7891;i m&#7899;i ti&#7871;t ki&#7879;m, b&#7841;n s&#7869; d&agrave;nh ra ngay m&#7897;t kho&#7843;n c&#7889; &#273;&#7883;nh t&#7915; thu nh&#7853;p &#273;&#7875; ti&#7871;t ki&#7879;m tr&#432;&#7899;c. [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":25997,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1247],"tags":[],"class_list":{"0":"post-25996","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tai-chinh-ca-nhan"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25996","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\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=25996"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/25996\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/25997"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=25996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=25996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=25996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}