{"id":26352,"date":"2025-03-05T16:43:39","date_gmt":"2025-03-05T09:43:39","guid":{"rendered":"https:\/\/wp-blog-test.realstake.net\/blog\/?p=26352"},"modified":"2025-03-10T15:06:11","modified_gmt":"2025-03-10T08:06:11","slug":"zero-based-budgeting-la-gi-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/","title":{"rendered":"Zero-Based Budgeting L\u00e0 G\u00ec?"},"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;26352&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;Zero-Based Budgeting L\u00e0 G\u00ec?&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>Zero-Based Budgeting (ZBB) l\u00e0 ph\u01b0\u01a1ng ph\u00e1p l\u1eadp ng\u00e2n s\u00e1ch b\u1eaft \u0111\u1ea7u t\u1eeb <strong>con s\u1ed1 0<\/strong> m\u1ed7i th\u00e1ng. Thay v\u00ec d\u1ef1a tr\u00ean ng\u00e2n s\u00e1ch k\u1ef3 tr\u01b0\u1edbc, b\u1ea1n s\u1ebd ph\u00e2n b\u1ed5 to\u00e0n b\u1ed9 thu nh\u1eadp v\u00e0o c\u00e1c m\u1ee5c ti\u00eau nh\u01b0 chi ti\u00eau, ti\u1ebft ki\u1ec7m, v\u00e0 \u0111\u1ea7u t\u01b0, \u0111\u1ea3m b\u1ea3o kh\u00f4ng \u0111\u1ec3 l\u1ea1i s\u1ed1 d\u01b0.<\/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\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Loi_ich_chinh\" title=\"L\u1ee3i \u00edch ch\u00ednh:\">L\u1ee3i \u00edch ch\u00ednh:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Cac_buoc_thuc_hien\" title=\"C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n:\">C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n:<\/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\/zero-based-budgeting-la-gi-tc\/#So_sanh_nhanh\" title=\"So s\u00e1nh nhanh:\">So s\u00e1nh nhanh:<\/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\/zero-based-budgeting-la-gi-tc\/#Thiet_lap_Zero-Based_Budgeting\" title=\"Thi\u1ebft l\u1eadp Zero-Based Budgeting\">Thi\u1ebft l\u1eadp Zero-Based Budgeting<\/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\/zero-based-budgeting-la-gi-tc\/#Buoc_1_Tinh_tong_thu_nhap_hang_thang\" title=\"B\u01b0\u1edbc 1: T\u00ednh t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng\">B\u01b0\u1edbc 1: T\u00ednh t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng<\/a><\/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\/zero-based-budgeting-la-gi-tc\/#Buoc_2_Phan_nhom_chi_tieu\" title=\"B\u01b0\u1edbc 2: Ph\u00e2n nh\u00f3m chi ti\u00eau\">B\u01b0\u1edbc 2: Ph\u00e2n nh\u00f3m chi ti\u00eau<\/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\/zero-based-budgeting-la-gi-tc\/#Buoc_3_Can_doi_so_du_ve_0\" title=\"B\u01b0\u1edbc 3: C\u00e2n \u0111\u1ed1i s\u1ed1 d\u01b0 v\u1ec1 0\">B\u01b0\u1edbc 3: C\u00e2n \u0111\u1ed1i s\u1ed1 d\u01b0 v\u1ec1 0<\/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\/zero-based-budgeting-la-gi-tc\/#Buoc_4_Theo_doi_va_cap_nhat\" title=\"B\u01b0\u1edbc 4: Theo d\u00f5i v\u00e0 c\u1eadp nh\u1eadt\">B\u01b0\u1edbc 4: Theo d\u00f5i v\u00e0 c\u1eadp nh\u1eadt<\/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\/zero-based-budgeting-la-gi-tc\/#Loi_ich_cua_Zero-Based_Budgeting\" title=\"L\u1ee3i \u00edch c\u1ee7a Zero-Based Budgeting\">L\u1ee3i \u00edch c\u1ee7a Zero-Based Budgeting<\/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\/zero-based-budgeting-la-gi-tc\/#Kiem_soat_chi_tieu_hieu_qua_hon\" title=\"Ki\u1ec3m so\u00e1t chi ti\u00eau hi\u1ec7u qu\u1ea3 h\u01a1n\">Ki\u1ec3m so\u00e1t chi ti\u00eau hi\u1ec7u qu\u1ea3 h\u01a1n<\/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\/zero-based-budgeting-la-gi-tc\/#Tang_kha_nang_tiet_kiem\" title=\"T\u0103ng kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m\">T\u0103ng kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Xay_dung_thoi_quen_tai_chinh_lanh_manh\" title=\"X\u00e2y d\u1ef1ng th\u00f3i quen t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh\">X\u00e2y d\u1ef1ng th\u00f3i quen t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Cong_cu_ho_tro_Zero-Based_Budgeting\" title=\"C\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 Zero-Based Budgeting\">C\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 Zero-Based Budgeting<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Ung_dung_va_dich_vu_quan_ly_ngan_sach\" title=\"\u1ee8ng d\u1ee5ng v\u00e0 d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch\">\u1ee8ng d\u1ee5ng v\u00e0 d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Mau_lap_ngan_sach\" title=\"M\u1eabu l\u1eadp ng\u00e2n s\u00e1ch\">M\u1eabu l\u1eadp ng\u00e2n s\u00e1ch<\/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\/zero-based-budgeting-la-gi-tc\/#Phuong_phap_theo_doi_chi_tieu\" title=\"Ph\u01b0\u01a1ng ph\u00e1p theo d\u00f5i chi ti\u00eau\">Ph\u01b0\u01a1ng ph\u00e1p theo d\u00f5i chi ti\u00eau<\/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\/zero-based-budgeting-la-gi-tc\/#Cac_van_de_thuong_gap_va_cach_khac_phuc\" title=\"C\u00e1c v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p v\u00e0 c\u00e1ch kh\u1eafc ph\u1ee5c\">C\u00e1c v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p v\u00e0 c\u00e1ch kh\u1eafc ph\u1ee5c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Theo_doi_moi_khoan_chi_tieu\" title=\"Theo d\u00f5i m\u1ecdi kho\u1ea3n chi ti\u00eau\">Theo d\u00f5i m\u1ecdi kho\u1ea3n chi ti\u00eau<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Xu_ly_thay_doi_ngan_sach\" title=\"X\u1eed l\u00fd thay \u0111\u1ed5i ng\u00e2n s\u00e1ch\">X\u1eed l\u00fd thay \u0111\u1ed5i ng\u00e2n s\u00e1ch<\/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\/zero-based-budgeting-la-gi-tc\/#Duy_tri_ky_luat_tai_chinh\" title=\"Duy tr\u00ec k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh\">Duy tr\u00ec k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Bat_dau_voi_Zero-Based_Budgeting\" title=\"B\u1eaft \u0111\u1ea7u v\u1edbi Zero-Based Budgeting\">B\u1eaft \u0111\u1ea7u v\u1edbi Zero-Based Budgeting<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/infina.vn\/blog\/zero-based-budgeting-la-gi-tc\/#Cac_buoc_co_ban_de_thuc_hien\" title=\"C\u00e1c b\u01b0\u1edbc c\u01a1 b\u1ea3n \u0111\u1ec3 th\u1ef1c hi\u1ec7n\">C\u00e1c b\u01b0\u1edbc c\u01a1 b\u1ea3n \u0111\u1ec3 th\u1ef1c hi\u1ec7n<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Loi_ich_chinh\"><\/span>L\u1ee3i \u00edch ch\u00ednh:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Ki\u1ec3m so\u00e1t chi ti\u00eau ch\u1eb7t ch\u1ebd<\/strong>: Lo\u1ea1i b\u1ecf c\u00e1c kho\u1ea3n chi kh\u00f4ng c\u1ea7n thi\u1ebft.<\/li>\n<li><strong>T\u0103ng kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m<\/strong>: Ti\u1ebft ki\u1ec7m ngay t\u1eeb \u0111\u1ea7u, kh\u00f4ng ph\u1ea3i cu\u1ed1i th\u00e1ng.<\/li>\n<li><strong>X\u00e2y d\u1ef1ng th\u00f3i quen t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh<\/strong>: Theo d\u00f5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh chi ti\u00eau th\u01b0\u1eddng xuy\u00ean.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Cac_buoc_thuc_hien\"><\/span>C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>T\u00ednh t\u1ed5ng thu nh\u1eadp<\/strong>: X\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 m\u1ed7i th\u00e1ng.<\/li>\n<li><strong>Ph\u00e2n nh\u00f3m chi ti\u00eau<\/strong>: Chia th\u00e0nh c\u00e1c danh m\u1ee5c nh\u01b0 sinh ho\u1ea1t, c\u00e1 nh\u00e2n, n\u1ee3, ti\u1ebft ki\u1ec7m.<\/li>\n<li><strong>C\u00e2n \u0111\u1ed1i v\u1ec1 0<\/strong>: \u0110\u1ea3m b\u1ea3o m\u1ecdi \u0111\u1ed3ng ti\u1ec1n \u0111\u1ec1u c\u00f3 m\u1ee5c \u0111\u00edch.<\/li>\n<li><strong>Theo d\u00f5i v\u00e0 c\u1eadp nh\u1eadt<\/strong>: Ki\u1ec3m tra \u0111\u1ecbnh k\u1ef3 v\u00e0 \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"So_sanh_nhanh\"><\/span>So s\u00e1nh nhanh:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ti\u00eau ch\u00ed<\/th>\n<th colspan=\"1\" rowspan=\"1\">Zero-Based Budgeting<\/th>\n<th colspan=\"1\" rowspan=\"1\">L\u1eadp ng\u00e2n s\u00e1ch truy\u1ec1n th\u1ed1ng<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\u0110i\u1ec3m xu\u1ea5t ph\u00e1t<\/td>\n<td colspan=\"1\" rowspan=\"1\">B\u1eaft \u0111\u1ea7u t\u1eeb 0<\/td>\n<td colspan=\"1\" rowspan=\"1\">D\u1ef1a tr\u00ean ng\u00e2n s\u00e1ch k\u1ef3 tr\u01b0\u1edbc<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u00e1nh gi\u00e1 chi ti\u00eau<\/td>\n<td colspan=\"1\" rowspan=\"1\">Xem x\u00e9t to\u00e0n b\u1ed9<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110i\u1ec1u ch\u1ec9nh nh\u1ecf t\u1eeb k\u1ef3 tr\u01b0\u1edbc<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Hi\u1ec7u qu\u1ea3<\/td>\n<td colspan=\"1\" rowspan=\"1\">Lo\u1ea1i b\u1ecf l\u00e3ng ph\u00ed<\/td>\n<td colspan=\"1\" rowspan=\"1\">C\u00f3 th\u1ec3 gi\u1eef l\u1ea1i c\u00e1c kho\u1ea3n kh\u00f4ng hi\u1ec7u qu\u1ea3<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Th\u1eddi gian th\u1ef1c hi\u1ec7n<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ed1n th\u1eddi gian h\u01a1n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Nhanh v\u00e0 \u0111\u01a1n gi\u1ea3n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Zero-Based Budgeting \u0111\u00f2i h\u1ecfi k\u1ef7 lu\u1eadt nh\u01b0ng mang l\u1ea1i hi\u1ec7u qu\u1ea3 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh v\u01b0\u1ee3t tr\u1ed9i.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Thiet_lap_Zero-Based_Budgeting\"><\/span>Thi\u1ebft l\u1eadp Zero-Based Budgeting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u1ec3 \u00e1p d\u1ee5ng Zero-Based Budgeting (ZBB) m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, h\u00e3y l\u00e0m theo c\u00e1c b\u01b0\u1edbc d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_1_Tinh_tong_thu_nhap_hang_thang\"><\/span>B\u01b0\u1edbc 1: T\u00ednh t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch x\u00e1c \u0111\u1ecbnh t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n. N\u1ebfu thu nh\u1eadp kh\u00f4ng \u1ed5n \u0111\u1ecbnh, h\u00e3y s\u1eed d\u1ee5ng m\u1ee9c th\u1ea5p nh\u1ea5t trong v\u00e0i th\u00e1ng g\u1ea7n \u0111\u00e2y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_2_Phan_nhom_chi_tieu\"><\/span>B\u01b0\u1edbc 2: Ph\u00e2n nh\u00f3m chi ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e3y chia chi ti\u00eau c\u1ee7a b\u1ea1n th\u00e0nh c\u00e1c nh\u00f3m ch\u00ednh \u0111\u1ec3 d\u1ec5 qu\u1ea3n l\u00fd. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 g\u1ee3i \u00fd:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Nh\u00f3m 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 ph\u00ed sinh ho\u1ea1t<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ec1n nh\u00e0, \u0111i\u1ec7n n\u01b0\u1edbc, \u0103n u\u1ed1ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi ti\u00eau c\u00e1 nh\u00e2n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Mua s\u1eafm, gi\u1ea3i tr\u00ed<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n n\u1ee3<\/td>\n<td colspan=\"1\" rowspan=\"1\">N\u1ee3 ng\u00e2n h\u00e0ng, th\u1ebb t\u00edn d\u1ee5ng<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi ph\u00ed ph\u00e1t sinh<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 d\u1ef1 ph\u00f2ng, chi ph\u00ed \u0111\u1ed9t xu\u1ea5t<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_3_Can_doi_so_du_ve_0\"><\/span>B\u01b0\u1edbc 3: C\u00e2n \u0111\u1ed1i s\u1ed1 d\u01b0 v\u1ec1 0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ph\u00e2n b\u1ed5 to\u00e0n b\u1ed9 thu nh\u1eadp v\u00e0o c\u00e1c nh\u00f3m chi ti\u00eau \u0111\u00e3 x\u00e1c \u0111\u1ecbnh sao cho s\u1ed1 d\u01b0 cu\u1ed1i c\u00f9ng b\u1eb1ng 0. V\u00ed d\u1ee5, n\u1ebfu thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n l\u00e0 20.000.000 \u0111\u1ed3ng, b\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 nh\u01b0 sau:<\/p>\n<ul>\n<li><strong>Chi ph\u00ed sinh ho\u1ea1t<\/strong>: 7.000.000 \u0111\u1ed3ng<\/li>\n<li><strong>Chi ti\u00eau c\u00e1 nh\u00e2n<\/strong>: 5.000.000 \u0111\u1ed3ng<\/li>\n<li><strong>Thanh to\u00e1n n\u1ee3<\/strong>: 3.000.000 \u0111\u1ed3ng<\/li>\n<li><strong>Chi ph\u00ed ph\u00e1t sinh<\/strong>: 2.000.000 \u0111\u1ed3ng<\/li>\n<li><strong>Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/strong>: 3.000.000 \u0111\u1ed3ng<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_4_Theo_doi_va_cap_nhat\"><\/span>B\u01b0\u1edbc 4: Theo d\u00f5i v\u00e0 c\u1eadp nh\u1eadt<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ng\u00e2n s\u00e1ch lu\u00f4n hi\u1ec7u qu\u1ea3, h\u00e3y th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra v\u00e0 \u0111i\u1ec1u ch\u1ec9nh. N\u1ebfu c\u00f3 chi ph\u00ed ph\u00e1t sinh, b\u1ea1n c\u1ea7n gi\u1ea3m c\u00e1c kho\u1ea3n m\u1ee5c kh\u00e1c \u0111\u1ec3 gi\u1eef ng\u00e2n s\u00e1ch c\u00e2n b\u1eb1ng. C\u00e1c c\u00f4ng c\u1ee5 nh\u01b0 \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh ho\u1eb7c b\u1ea3ng t\u00ednh c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n theo d\u00f5i chi ti\u00eau d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<p>H\u00e3y th\u1ef1c hi\u1ec7n t\u1eebng b\u01b0\u1edbc m\u1ed9t c\u00e1ch linh ho\u1ea1t v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 t\u1ed1t nh\u1ea5t.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Loi_ich_cua_Zero-Based_Budgeting\"><\/span>L\u1ee3i \u00edch c\u1ee7a Zero-Based Budgeting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Kiem_soat_chi_tieu_hieu_qua_hon\"><\/span>Ki\u1ec3m so\u00e1t chi ti\u00eau hi\u1ec7u qu\u1ea3 h\u01a1n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Zero-Based Budgeting (ZBB) y\u00eau c\u1ea7u b\u1ea1n ph\u00e2n b\u1ed5 to\u00e0n b\u1ed9 thu nh\u1eadp ngay t\u1eeb \u0111\u1ea7u, gi\u00fap qu\u1ea3n l\u00fd chi ti\u00eau m\u1ed9t c\u00e1ch ch\u1eb7t ch\u1ebd v\u00e0 c\u00f3 k\u1ebf ho\u1ea1ch h\u01a1n. Thay v\u00ec chi ti\u00eau theo c\u1ea3m h\u1ee9ng, ph\u01b0\u01a1ng ph\u00e1p n\u00e0y \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i ph\u00e2n chia m\u1ecdi kho\u1ea3n thu nh\u1eadp v\u00e0o c\u00e1c m\u1ee5c \u0111\u00edch c\u1ee5 th\u1ec3. \u0110i\u1ec1u n\u00e0y mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch nh\u01b0:<\/p>\n<ul>\n<li>Gi\u1ea3m thi\u1ec3u v\u00e0 lo\u1ea1i b\u1ecf c\u00e1c kho\u1ea3n chi kh\u00f4ng c\u1ea7n thi\u1ebft.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf.<\/li>\n<li>Tr\u00e1nh t\u00ecnh tr\u1ea1ng &#8220;vay m\u01b0\u1ee3n&#8221; gi\u1eefa c\u00e1c kho\u1ea3n chi.<\/li>\n<\/ul>\n<p>Vi\u1ec7c ph\u00e2n b\u1ed5 chi ti\u00eau r\u00f5 r\u00e0ng kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n s\u1eed d\u1ee5ng ti\u1ec1n hi\u1ec7u qu\u1ea3 m\u00e0 c\u00f2n mang l\u1ea1i nhi\u1ec1u gi\u00e1 tr\u1ecb kh\u00e1c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tang_kha_nang_tiet_kiem\"><\/span>T\u0103ng kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>ZBB kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t chi ti\u00eau m\u00e0 c\u00f2n h\u1ed7 tr\u1ee3 t\u00edch l\u0169y t\u00e0i ch\u00ednh. Thay v\u00ec ti\u1ebft ki\u1ec7m nh\u1eefng g\u00ec c\u00f2n l\u1ea1i v\u00e0o cu\u1ed1i th\u00e1ng, b\u1ea1n s\u1ebd ch\u1ee7 \u0111\u1ed9ng d\u00e0nh ra m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m ngay t\u1eeb khi l\u1eadp ng\u00e2n s\u00e1ch. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n c\u00f3 m\u1ed9t ph\u1ea7n thu nh\u1eadp \u0111\u01b0\u1ee3c d\u00e0nh ri\u00eang cho m\u1ee5c \u0111\u00edch ti\u1ebft ki\u1ec7m.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xay_dung_thoi_quen_tai_chinh_lanh_manh\"><\/span>X\u00e2y d\u1ef1ng th\u00f3i quen t\u00e0i ch\u00ednh l\u00e0nh m\u1ea1nh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>ZBB c\u00f2n gi\u00fap h\u00ecnh th\u00e0nh c\u00e1c th\u00f3i quen qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh t\u1ed1t th\u00f4ng qua:<\/p>\n<ul>\n<li>Khuy\u1ebfn kh\u00edch b\u1ea1n c\u00e2n nh\u1eafc k\u1ef9 tr\u01b0\u1edbc m\u1ed7i quy\u1ebft \u0111\u1ecbnh chi ti\u00eau.<\/li>\n<li>T\u1ea1o th\u00f3i quen theo d\u00f5i v\u00e0 ghi ch\u00e9p thu chi th\u01b0\u1eddng xuy\u00ean.<\/li>\n<li>Gi\u00fap b\u1ea1n nh\u1eadn di\u1ec7n r\u00f5 c\u00e1c \u01b0u ti\u00ean t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/li>\n<\/ul>\n<p>\u0110\u1ec3 \u0111\u1ea1t hi\u1ec7u qu\u1ea3 cao nh\u1ea5t, b\u1ea1n c\u1ea7n ki\u00ean tr\u00ec \u00e1p d\u1ee5ng ZBB trong th\u1eddi gian d\u00e0i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch th\u01b0\u1eddng xuy\u00ean sao cho ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf.<\/p>\n    <div class=\"infina-box\">\n\t\t <div class=\"qr-code\" style=\"margin-top: 20px;\">\n            <a href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" target=\"_blank\">\n                <img decoding=\"async\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/02\/app_banner-09-1-1.png\" alt=\"QR Code Infina\" title=\"\">\n            <\/a>\n        <\/div>\n        <p style=\"color: black;\"><strong>T\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m!<\/strong><\/p>\n        <p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> 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\">N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u1ee3i nhu\u1eadn 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\">\u0110\u01b0\u1ee3c C\u00f4ng ty TNHH MTV qu\u1ea3n l\u00fd qu\u1ef9 ACB (ACBC), C\u00f4ng ty c\u1ed5 ph\u1ea7n qu\u1ea3n l\u00fd qu\u1ef9 PVI (PVI AM) qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Ng\u00e2n h\u00e0ng BIDV l\u01b0u k\u00fd. Qu\u1ef9 ACBC, v\u00e0 Qu\u1ef9 PVI AM s\u1ebd th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng uy t\u00edn.<\/p>\n        <a class=\"infina-button\" href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" style=\"margin-bottom: 20px; display: inline-block;\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a>\n    <\/div>\n    \n<h2><span class=\"ez-toc-section\" id=\"Cong_cu_ho_tro_Zero-Based_Budgeting\"><\/span>C\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 Zero-Based Budgeting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Ung_dung_va_dich_vu_quan_ly_ngan_sach\"><\/span>\u1ee8ng d\u1ee5ng v\u00e0 d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u \u1ee9ng d\u1ee5ng gi\u00fap qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch theo ph\u01b0\u01a1ng ph\u00e1p Zero-Based Budgeting. <strong>MoneyNote<\/strong> l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn quen thu\u1ed9c v\u1edbi ng\u01b0\u1eddi d\u00f9ng t\u1ea1i Vi\u1ec7t Nam, cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng nh\u01b0:<\/p>\n<ul>\n<li>Qu\u1ea3n l\u00fd thu chi h\u00e0ng ng\u00e0y.<\/li>\n<li>T\u1ea1o nhi\u1ec1u v\u00ed ti\u1ec1n cho c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c nhau.<\/li>\n<li>Chia s\u1ebb th\u00f4ng tin t\u00e0i ch\u00ednh v\u1edbi gia \u0111\u00ecnh ho\u1eb7c b\u1ea1n b\u00e8.<\/li>\n<li>T\u1ea1o b\u00e1o c\u00e1o chi ti\u1ebft \u0111\u1ec3 theo d\u00f5i hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, <strong>Infina<\/strong> l\u00e0 n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 ti\u1ebft ki\u1ec7m hi\u1ec7u qu\u1ea3 v\u1edbi t\u00e0i kho\u1ea3n sinh l\u1eddi kh\u00f4ng k\u1ef3 h\u1ea1n, m\u1ee9c sinh l\u1eddi 4,9%\/n\u0103m. V\u1edbi h\u01a1n 2 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng, Infina mang l\u1ea1i s\u1ef1 an t\u00e2m trong vi\u1ec7c qu\u1ea3n l\u00fd qu\u1ef9 d\u1ef1 ph\u00f2ng, m\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a k\u1ebf ho\u1ea1ch Zero-Based Budgeting.<\/p>\n<p>Ngo\u00e0i vi\u1ec7c s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c m\u1eabu l\u1eadp ng\u00e2n s\u00e1ch \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mau_lap_ngan_sach\"><\/span>M\u1eabu l\u1eadp ng\u00e2n s\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c m\u1eabu ng\u00e2n s\u00e1ch c\u00f3 s\u1eb5n l\u00e0 c\u00f4ng c\u1ee5 h\u1eefu \u00edch gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 theo d\u00f5i chi ti\u00eau. Nhi\u1ec1u m\u1eabu mi\u1ec5n ph\u00ed c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ecm th\u1ea5y tr\u00ean:<\/p>\n<ul>\n<li>Excel.<\/li>\n<li>Google Sheets.<\/li>\n<li>File PDF.<\/li>\n<\/ul>\n<p>Nh\u1eefng m\u1eabu n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1edbi c\u00e1c danh m\u1ee5c chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m ph\u1ed5 bi\u1ebfn. Ch\u00fang h\u1ed7 tr\u1ee3 b\u1ea1n:<\/p>\n<ul>\n<li>Ph\u00e2n b\u1ed5 thu nh\u1eadp h\u1ee3p l\u00fd cho t\u1eebng m\u1ee5c ti\u00eau.<\/li>\n<li>So s\u00e1nh chi ti\u00eau th\u1ef1c t\u1ebf v\u1edbi k\u1ebf ho\u1ea1ch \u0111\u00e3 \u0111\u1eb7t ra.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch nhanh ch\u00f3ng khi c\u1ea7n.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Phuong_phap_theo_doi_chi_tieu\"><\/span>Ph\u01b0\u01a1ng ph\u00e1p theo d\u00f5i chi ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u00e1p d\u1ee5ng Zero-Based Budgeting hi\u1ec7u qu\u1ea3, vi\u1ec7c theo d\u00f5i chi ti\u00eau th\u01b0\u1eddng xuy\u00ean \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng. M\u1ed9t s\u1ed1 g\u1ee3i \u00fd bao g\u1ed3m:<\/p>\n<ul>\n<li>Ph\u00e2n t\u00edch chi ti\u00eau trong 2-3 th\u00e1ng g\u1ea7n nh\u1ea5t \u0111\u1ec3 hi\u1ec3u r\u00f5 th\u00f3i quen t\u00e0i ch\u00ednh.<\/li>\n<li>Ghi l\u1ea1i m\u1ecdi kho\u1ea3n thu chi h\u00e0ng ng\u00e0y \u0111\u1ec3 duy tr\u00ec k\u1ef7 lu\u1eadt.<\/li>\n<li>Th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch d\u1ef1a tr\u00ean t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf.<\/li>\n<\/ul>\n<p>M\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u01b0ng hi\u1ec7u qu\u1ea3 l\u00e0 s\u1eed d\u1ee5ng <strong>h\u1ec7 th\u1ed1ng phong b\u00ec<\/strong>. V\u1edbi ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, b\u1ea1n chia ti\u1ec1n m\u1eb7t v\u00e0o c\u00e1c phong b\u00ec kh\u00e1c nhau, m\u1ed7i phong b\u00ec d\u00e0nh cho m\u1ed9t m\u1ee5c \u0111\u00edch chi ti\u00eau c\u1ee5 th\u1ec3. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t chi ti\u00eau d\u1ec5 d\u00e0ng v\u00e0 tr\u00e1nh v\u01b0\u1ee3t qu\u00e1 ng\u00e2n s\u00e1ch \u0111\u00e3 \u0111\u1eb7t ra.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_van_de_thuong_gap_va_cach_khac_phuc\"><\/span>C\u00e1c v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p v\u00e0 c\u00e1ch kh\u1eafc ph\u1ee5c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi \u0111\u00e3 thi\u1ebft l\u1eadp ng\u00e2n s\u00e1ch, vi\u1ec7c duy tr\u00ec hi\u1ec7u qu\u1ea3 Zero-Based Budgeting (ZBB) \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c th\u1ef1c t\u1ebf. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 ph\u1ed5 bi\u1ebfn v\u00e0 c\u00e1ch x\u1eed l\u00fd ch\u00fang.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Theo_doi_moi_khoan_chi_tieu\"><\/span>Theo d\u00f5i m\u1ecdi kho\u1ea3n chi ti\u00eau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed9t trong nh\u1eefng kh\u00f3 kh\u0103n l\u1edbn khi \u00e1p d\u1ee5ng ZBB l\u00e0 vi\u1ec7c ghi ch\u00e9p v\u00e0 theo d\u00f5i to\u00e0n b\u1ed9 chi ti\u00eau. Theo nghi\u00ean c\u1ee9u c\u1ee7a Mint v\u00e0o th\u00e1ng 3\/2024, nh\u1eefng ng\u01b0\u1eddi theo d\u00f5i chi ti\u00eau \u0111\u1ec1u \u0111\u1eb7n trong \u00edt nh\u1ea5t 3 th\u00e1ng \u0111\u00e3 t\u0103ng m\u1ee9c ti\u1ebft ki\u1ec7m trung b\u00ecnh l\u00ean 25%.<\/p>\n<p>\u0110\u1ec3 qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n, b\u1ea1n n\u00ean:<\/p>\n<ul>\n<li><strong>Duy tr\u00ec c\u00e1c danh m\u1ee5c chi ti\u00eau \u0111\u00e3 thi\u1ebft l\u1eadp<\/strong>: \u0110\u1eebng b\u1ecf qua b\u1ea5t k\u1ef3 kho\u1ea3n n\u00e0o, d\u00f9 nh\u1ecf.<\/li>\n<li><strong>L\u1eadp k\u1ebf ho\u1ea1ch chi ti\u00eau \u0111\u1ecbnh k\u1ef3<\/strong>: Cu\u1ed1i m\u1ed7i th\u00e1ng ho\u1eb7c \u0111\u1ea7u th\u00e1ng, d\u00e0nh th\u1eddi gian \u0111\u1ec3 l\u00ean k\u1ebf ho\u1ea1ch.<\/li>\n<li><strong>Ki\u1ec3m tra h\u00e0ng tu\u1ea7n<\/strong>: Th\u00f3i quen n\u00e0y gi\u00fap b\u1ea1n ph\u00e1t hi\u1ec7n s\u1edbm c\u00e1c sai l\u1ec7ch v\u00e0 \u0111i\u1ec1u ch\u1ec9nh k\u1ecbp th\u1eddi.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Xu_ly_thay_doi_ngan_sach\"><\/span>X\u1eed l\u00fd thay \u0111\u1ed5i ng\u00e2n s\u00e1ch<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bi\u1ebfn \u0111\u1ed9ng b\u1ea5t ng\u1edd v\u1ec1 thu nh\u1eadp ho\u1eb7c chi ti\u00eau c\u00f3 th\u1ec3 khi\u1ebfn vi\u1ec7c gi\u1eef ng\u00e2n s\u00e1ch \u1edf m\u1ee9c 0 tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n.<\/p>\n<blockquote><p>&#8220;N\u1ebfu b\u1ea1n ch\u01b0a theo d\u00f5i chi ti\u00eau r\u00f5 r\u00e0ng ho\u1eb7c c\u1ea3m th\u1ea5y thi\u1ebfu ki\u1ec3m so\u00e1t, ZBB l\u00e0 ph\u01b0\u01a1ng ph\u00e1p t\u1ed1t&#8221;.<\/p><\/blockquote>\n<p>M\u1ed9t v\u00e0i c\u00e1ch x\u1eed l\u00fd hi\u1ec7u qu\u1ea3:<\/p>\n<ul>\n<li><strong>Gi\u1ea3m c\u00e1c kho\u1ea3n chi kh\u00e1c khi c\u00f3 chi ph\u00ed kh\u00f4ng mong mu\u1ed1n<\/strong>: C\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ebfn qu\u1ef9 d\u1ef1 ph\u00f2ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ng\u00e2n s\u00e1ch kh\u00f4ng b\u1ecb ph\u00e1 v\u1ee1.<\/li>\n<li><strong>S\u1eed d\u1ee5ng thu nh\u1eadp th\u00e1ng tr\u01b0\u1edbc<\/strong>: L\u1eadp ng\u00e2n s\u00e1ch d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n th\u1ef1c t\u1ebf t\u1eeb th\u00e1ng tr\u01b0\u1edbc s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n.<\/li>\n<\/ul>\n<p>Nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh n\u00e0y s\u1ebd gi\u00fap b\u1ea1n gi\u1eef ng\u00e2n s\u00e1ch \u1ed5n \u0111\u1ecbnh ngay c\u1ea3 khi c\u00f3 thay \u0111\u1ed5i b\u1ea5t ng\u1edd.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Duy_tri_ky_luat_tai_chinh\"><\/span>Duy tr\u00ec k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u00e1p d\u1ee5ng ZBB l\u00e2u d\u00e0i, b\u1ea1n c\u1ea7n x\u00e2y d\u1ef1ng th\u00f3i quen v\u00e0 \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 h\u1ed7 tr\u1ee3. M\u1ed9t s\u1ed1 g\u1ee3i \u00fd:<\/p>\n<ul>\n<li><strong>Ki\u1ec3m tra ng\u00e2n s\u00e1ch th\u01b0\u1eddng xuy\u00ean<\/strong>: \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n lu\u00f4n b\u00e1m s\u00e1t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh.<\/li>\n<li><strong>T\u1ef1 \u0111\u1ed9ng h\u00f3a qua \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh<\/strong>: C\u00e1c \u1ee9ng d\u1ee5ng hi\u1ec7n \u0111\u1ea1i c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c.<\/li>\n<li><strong>\u00c1p d\u1ee5ng c\u00f4ng ngh\u1ec7 AI<\/strong>: C\u00f4ng ngh\u1ec7 n\u00e0y h\u1ed7 tr\u1ee3 b\u1ea1n \u0111i\u1ec1u ch\u1ec9nh ng\u00e2n s\u00e1ch m\u1ed9t c\u00e1ch th\u00f4ng minh v\u00e0 nhanh ch\u00f3ng.<\/li>\n<\/ul>\n<p>X\u00e2y d\u1ef1ng th\u00f3i quen qu\u1ea3n l\u00fd chi ti\u00eau v\u00e0 tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec ZBB trong d\u00e0i h\u1ea1n.<\/p>\n<blockquote><p>Pay yourself first!<\/p><\/blockquote>\n<p>T\u1ea1m d\u1ecbch: Tr\u1ea3 cho b\u1ea3n th\u00e2n tr\u01b0\u1edbc!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bat_dau_voi_Zero-Based_Budgeting\"><\/span>B\u1eaft \u0111\u1ea7u v\u1edbi Zero-Based Budgeting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Cac_buoc_co_ban_de_thuc_hien\"><\/span>C\u00e1c b\u01b0\u1edbc c\u01a1 b\u1ea3n \u0111\u1ec3 th\u1ef1c hi\u1ec7n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0110\u1ec3 \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p Zero-Based Budgeting (ZBB) hi\u1ec7u qu\u1ea3, b\u1ea1n c\u1ea7n th\u1ef1c hi\u1ec7n ba b\u01b0\u1edbc ch\u00ednh:<\/p>\n<ul>\n<li><strong>X\u00e1c \u0111\u1ecbnh t\u1ed5ng thu nh\u1eadp<\/strong>: Bi\u1ebft r\u00f5 m\u00ecnh c\u00f3 bao nhi\u00eau ti\u1ec1n m\u1ed7i th\u00e1ng.<\/li>\n<li><strong>Ph\u00e2n chia chi ti\u00eau theo m\u1ee5c \u0111\u00edch<\/strong>: L\u1eadp danh s\u00e1ch c\u00e1c danh m\u1ee5c chi ti\u00eau c\u1ee5 th\u1ec3.<\/li>\n<li><strong>\u00c1p d\u1ee5ng nguy\u00ean t\u1eafc Thu nh\u1eadp \u2013 Chi ti\u00eau = 0<\/strong>: M\u1ed7i \u0111\u1ed3ng ph\u1ea3i \u0111\u01b0\u1ee3c &#8220;\u0111i\u1ec1u ph\u1ed1i&#8221; h\u1ee3p l\u00fd, kh\u00f4ng \u0111\u1ec3 d\u01b0 th\u1eeba m\u00e0 kh\u00f4ng c\u00f3 m\u1ee5c \u0111\u00edch.<\/li>\n<\/ul>\n<p>V\u00ed d\u1ee5: V\u1edbi thu nh\u1eadp 30.000.000 \u0111\u1ed3ng\/th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 ng\u00e2n s\u00e1ch nh\u01b0 sau:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Danh m\u1ee5c<\/th>\n<th colspan=\"1\" rowspan=\"1\">S\u1ed1 ti\u1ec1n (VN\u0110)<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Chi ph\u00ed sinh ho\u1ea1t<\/td>\n<td colspan=\"1\" rowspan=\"1\">6.000.000<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Nhu c\u1ea7u c\u00e1 nh\u00e2n<\/td>\n<td colspan=\"1\" rowspan=\"1\">7.000.000<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Tr\u1ea3 n\u1ee3<\/td>\n<td colspan=\"1\" rowspan=\"1\">10.000.000<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ef9 d\u1ef1 ph\u00f2ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">3.000.000<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Ti\u1ebft ki\u1ec7m\/\u0110\u1ea7u t\u01b0<\/td>\n<td colspan=\"1\" rowspan=\"1\">4.000.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Vi\u1ec7c \u00e1p d\u1ee5ng ZBB kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t chi ti\u00eau m\u00e0 c\u00f2n t\u1ea1o n\u1ec1n t\u1ea3ng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zero-Based Budgeting (ZBB) l&agrave; ph&#432;&#417;ng ph&aacute;p l&#7853;p ng&acirc;n s&aacute;ch b&#7855;t &#273;&#7847;u t&#7915; con s&#7889; 0 m&#7895;i th&aacute;ng. Thay v&igrave; d&#7921;a tr&ecirc;n ng&acirc;n s&aacute;ch k&#7923; tr&#432;&#7899;c, b&#7841;n s&#7869; ph&acirc;n b&#7893; to&agrave;n b&#7897; thu nh&#7853;p v&agrave;o c&aacute;c m&#7909;c ti&ecirc;u nh&#432; chi ti&ecirc;u, ti&#7871;t ki&#7879;m, v&agrave; &#273;&#7847;u t&#432;, &#273;&#7843;m b&#7843;o kh&ocirc;ng &#273;&#7875; l&#7841;i s&#7889; d&#432;. L&#7907;i &iacute;ch ch&iacute;nh: [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26352","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26352","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=26352"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26352\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26353"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}