{"id":2807,"date":"2021-08-31T12:03:22","date_gmt":"2021-08-31T05:03:22","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=2807"},"modified":"2025-04-03T09:56:27","modified_gmt":"2025-04-03T02:56:27","slug":"lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3 t\u1eeb nguy\u00ean t\u1eafc 50 20 30"},"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;2807&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;6&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.8&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;4.8\\\/5 - (6 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3 t\u1eeb nguy\u00ean t\u1eafc 50 20 30&quot;,&quot;width&quot;:&quot;123.8&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: 123.8px;\">\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            4.8\/5 - (6 votes)    <\/div>\n    <\/div>\n<p>Qu\u1ea3n l\u00fd ti\u1ec1n l\u00e0 m\u1ed9t vi\u1ec7c kh\u00f4ng h\u1ec1 d\u1ec5 d\u00e0ng, b\u1ea1n ph\u1ea3i chi ti\u00eau cho nhi\u1ec1u nhu c\u1ea7u nh\u01b0 cho b\u1ea3n th\u00e2n ho\u1eb7c cho gia \u0111\u00ecnh. Nh\u01b0ng ki\u1ebfm ti\u1ec1n th\u00ec kh\u00f4ng d\u1ec5 \u0111\u00fang kh\u00f4ng? Th\u1ebf qu\u1ea3n l\u00fd ti\u1ec1n ch\u1eafc ch\u1eafn c\u0169ng kh\u00e1 kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi c\u00e1c b\u1ea1n tr\u1ebb hi\u1ec7n nay.<\/p>\n<p>Th\u1ebf th\u00ec \u0111\u1eebng lo, nguy\u00ean t\u1eafc 50 20 30 s\u1ebd l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u1ef1c d\u1ec5 d\u00e0ng v\u00e0 hi\u1ec7u qu\u1ea3. Kh\u00f4ng r\u01b0\u1eddm r\u00e0 nh\u01b0 <a href=\"https:\/\/infina.vn\/blog\/bi-quyet-quan-ly-chi-tieu-ca-nhan\/\">nguy\u00ean t\u1eafc 6 chi\u1ebfc l\u1ecd<\/a>, ch\u1ec9 duy nh\u1ea5t &#8220;3 l\u1ecd&#8221; m\u00e0 ai ai c\u0169ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng. C\u00f9ng <a href=\"http:\/\/infina.vn\">Infina<\/a> t\u00ecm hi\u1ec3u c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n n\u00e0y nh\u00e9!<\/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' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Nguyen_tac_50_20_30_co_nghia_la_gi\" title=\"Nguy\u00ean t\u1eafc 50 20 30 c\u00f3 ngh\u0129a l\u00e0 g\u00ec?\">Nguy\u00ean t\u1eafc 50 20 30 c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Y_nghia_cua_nguyen_tac_50_20_30\" title=\"\u00dd ngh\u0129a c\u1ee7a nguy\u00ean t\u1eafc 50 20 30\">\u00dd ngh\u0129a c\u1ee7a nguy\u00ean t\u1eafc 50 20 30<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#50_thu_nhap_cua_ban_%E2%80%93_Nhu_can_can_thiet\" title=\"50% thu nh\u1eadp c\u1ee7a b\u1ea1n \u2013 Nhu c\u1ea7n c\u1ea7n thi\u1ebft\">50% thu nh\u1eadp c\u1ee7a b\u1ea1n \u2013 Nhu c\u1ea7n c\u1ea7n thi\u1ebft<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#20_thu_nhap_cua_ban_%E2%80%93_Tiet_kiem\" title=\"20% thu nh\u1eadp c\u1ee7a b\u1ea1n &#8211; Ti\u1ebft ki\u1ec7m\">20% thu nh\u1eadp c\u1ee7a b\u1ea1n &#8211; 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-5\" href=\"https:\/\/infina.vn\/blog\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#30_thu_nhap_cua_ban_%E2%80%93_Mong_muon\" title=\"30% thu nh\u1eadp c\u1ee7a b\u1ea1n &#8211; Mong mu\u1ed1n\">30% thu nh\u1eadp c\u1ee7a b\u1ea1n &#8211; Mong mu\u1ed1n<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Cach_van_dung_nguyen_tac_50_20_30_trong_quan_ly_dong_tien_ca_nhan\" title=\"C\u00e1ch v\u1eadn d\u1ee5ng nguy\u00ean t\u1eafc 50 20 30 trong qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n\">C\u00e1ch v\u1eadn d\u1ee5ng nguy\u00ean t\u1eafc 50 20 30 trong qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Tiet_kiem_va_dau_tu\" title=\"Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0\">Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Tim_kiem_nguon_thu_nhap_thu_dong_khac\" title=\"T\u00ecm ki\u1ebfm ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng kh\u00e1c\">T\u00ecm ki\u1ebfm ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng kh\u00e1c<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Cach_lap_ngan_sach_hop_li_voi_nguyen_tac_50_20_30\" title=\"C\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch h\u1ee3p l\u00ed v\u1edbi nguy\u00ean t\u1eafc 50 20 30\">C\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch h\u1ee3p l\u00ed v\u1edbi nguy\u00ean t\u1eafc 50 20 30<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#1_Liet_ke_tung_thoi_quen_chi_tieu_cua_ban\" title=\"1. Li\u1ec7t k\u00ea t\u1eebng th\u00f3i quen chi ti\u00eau c\u1ee7a b\u1ea1n\">1. Li\u1ec7t k\u00ea t\u1eebng th\u00f3i quen chi ti\u00eau c\u1ee7a b\u1ea1n<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#2_Xac_dinh_nhung_chi_phi_co_the_phat_sinh_trong_danh_muc_%E2%80%9CMong_muon%E2%80%9D\" title=\"2. X\u00e1c \u0111\u1ecbnh nh\u1eefng chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh trong danh m\u1ee5c &#8220;Mong mu\u1ed1n&#8221;\">2. X\u00e1c \u0111\u1ecbnh nh\u1eefng chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh trong danh m\u1ee5c &#8220;Mong mu\u1ed1n&#8221;<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#3_Tinh_tong_thu_nhap\" title=\"3. T\u00ednh t\u1ed5ng thu nh\u1eadp\">3. T\u00ednh t\u1ed5ng thu nh\u1eadp<\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Nguyen_tac_quan_ly_tien_50_20_30_nay_danh_cho_nhung_ai\" title=\"Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd ti\u1ec1n 50 20 30 n\u00e0y d\u00e0nh cho nh\u1eefng ai?\">Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd ti\u1ec1n 50 20 30 n\u00e0y d\u00e0nh cho nh\u1eefng ai?<\/a><\/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\/lam-the-nao-de-quan-ly-tien-hieu-qua-tu-nguyen-tac-50-20-30\/#Ket_luan\" title=\"K\u1ebft lu\u1eadn\">K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Nguyen_tac_50_20_30_co_nghia_la_gi\"><\/span>Nguy\u00ean t\u1eafc 50 20 30 c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3066 size-full\" title=\"Nguy\u00ean t\u1eafc 50 20 30 l\u00e0 g\u00ec?\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua6.jpg\" alt=\"Nguy\u00ean t\u1eafc 50 20 30 l\u00e0 g\u00ec?\" width=\"800\" height=\"441\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua6.jpg 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua6-300x165.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua6-768x423.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua6-696x385.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua6-762x420.jpg 762w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Nguy\u00ean t\u1eafc 50 20 30 l\u00e0 m\u1ed9t quy t\u1eafc qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh kh\u00e1 n\u1ed5i ti\u1ebfng. L\u00e0 m\u1ed9t k\u1ebf ho\u1ea1ch tr\u1ef1c quan v\u00e0 \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 gi\u00fap m\u1ecdi ng\u01b0\u1eddi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n<p>Quy t\u1eafc n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u trong cu\u1ed1n s\u00e1ch &#8220;All Your Worth: The Ultimate Lifetime Money Plan&#8221; (T\u1ea1m d\u1ecbch: &#8220;T\u1ea5t c\u1ea3 gi\u00e1 tr\u1ecb c\u1ee7a b\u1ea1n: K\u1ebf ho\u1ea1ch ti\u1ec1n b\u1ea1c tr\u1ecdn \u0111\u1eddi t\u1ed1i \u01b0u&#8221; ) b\u1edfi Elizabeth Ann Warren v\u00e0 con g\u00e1i b\u00e0 l\u00e0 Amelia Warren Tyagi.<\/p>\n<p>Quy t\u1eafc c\u01a1 b\u1ea3n n\u00e0y l\u00e0 chia thu nh\u1eadp sau thu\u1ebf v\u00e0 ph\u00e2n b\u1ed5 n\u00f3 theo: 50% cho nhu c\u1ea7u, 30% cho mong mu\u1ed1n v\u00e0 20% cho kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Y_nghia_cua_nguyen_tac_50_20_30\"><\/span>\u00dd ngh\u0129a c\u1ee7a nguy\u00ean t\u1eafc 50 20 30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"50_thu_nhap_cua_ban_%E2%80%93_Nhu_can_can_thiet\"><\/span><strong>50% thu nh\u1eadp c\u1ee7a b\u1ea1n \u2013 Nhu c\u1ea7n c\u1ea7n thi\u1ebft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3069 size-full\" title=\"Nhu c\u1ea7u c\u1ea7n thi\u1ebft\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5.jpg\" alt=\"Nhu c\u1ea7u c\u1ea7n thi\u1ebft\" width=\"800\" height=\"600\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5.jpg 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5-300x225.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5-768x576.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5-696x522.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5-560x420.jpg 560w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5-80x60.jpg 80w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua5-265x198.jpg 265w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>\u0110\u1ec3 b\u1eaft \u0111\u1ea7u, h\u00e3y d\u00e0nh ra kh\u00f4ng qu\u00e1 m\u1ed9t n\u1eeda thu nh\u1eadp c\u1ee7a b\u1ea1n cho nh\u1eefng nhu c\u1ea7u thi\u1ebft y\u1ebfu trong cu\u1ed9c s\u1ed1ng. C\u00f3 v\u1ebb 50% l\u00e0 m\u1ed9t t\u1ef7 l\u1ec7 cao nh\u01b0ng m\u1ed9t khi xem x\u00e9t nh\u1eefng danh m\u1ee5c thu\u1ed9c c\u00e1c chi ph\u00ed c\u1ea7n thi\u1ebft b\u1ea1n m\u1edbi th\u1ea5y con s\u1ed1 \u0111\u00f3 c\u00f3 \u00fd ngh\u0129a.<\/p>\n<p>N\u00f3i m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng, chi ph\u00ed thi\u1ebft y\u1ebfu l\u00e0 nh\u1eefng kho\u1ea3n m\u00e0 b\u1ea1n ch\u1eafc ch\u1eafn ph\u1ea3i b\u1ecf ra b\u1ea5t k\u1ec3 b\u1ea1n \u1edf \u0111\u00e2u, l\u00e0m g\u00ec hay c\u00f3 k\u1ebf ho\u1ea1ch g\u00ec trong t\u01b0\u01a1ng lai. Th\u00f4ng th\u01b0\u1eddng, nh\u1eefng chi ph\u00ed n\u00e0y th\u01b0\u1eddng gi\u1ed1ng nhau \u1edf h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi, bao g\u1ed3m: Ti\u1ec1n \u0103n, ti\u1ec1n \u1edf, chi ph\u00ed \u0111i l\u1ea1i v\u00e0 c\u00e1c h\u00f3a \u0111\u01a1n ti\u1ec7n \u00edch nh\u01b0 \u0111i\u1ec7n, n\u01b0\u1edbc.<\/p>\n<p>H\u00e3y c\u1ed1 g\u1eafng \u0111\u1ec3 t\u1ed5ng chi ph\u00ed thi\u1ebft y\u1ebfu kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 50% l\u01b0\u01a1ng. Nh\u01b0ng n\u1ebfu con s\u1ed1 \u0111\u00f3 l\u1edbn h\u01a1n 50%, h\u00e3y th\u1eed gi\u1ea3m ti\u1ec1n c\u00e1c h\u00f3a \u0111\u01a1n xu\u1ed1ng nh\u01b0 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n c\u00f4ng c\u1ed9ng thay v\u00ec ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n,\u2026<\/p>\n<p>M\u00e0 n\u1ebfu kh\u00f4ng th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3 n\u1eefa th\u00ec b\u1eaft bu\u1ed9c b\u1ea1n ph\u1ea3i gi\u1ea3m 5% \u1edf m\u1ed7i danh m\u1ee5c ti\u1ebfp theo. (C\u00e1c chuy\u00ean gia khuy\u00ean b\u1ea1n c\u1eaft gi\u1ea3m \u1edf ph\u1ea7n chi ti\u00eau c\u00e1 nh\u00e2n, ch\u1ee9 kh\u00f4ng n\u00ean gi\u1ea3m \u1edf m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"20_thu_nhap_cua_ban_%E2%80%93_Tiet_kiem\"><\/span><strong>20% thu nh\u1eadp c\u1ee7a b\u1ea1n &#8211; Ti\u1ebft ki\u1ec7m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3068 size-full\" title=\"Ti\u1ebft ki\u1ec7m l\u00e0 c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua4.jpg\" alt=\"Ti\u1ebft ki\u1ec7m l\u00e0 c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3\" width=\"800\" height=\"533\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua4.jpg 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua4-300x200.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua4-768x512.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua4-696x464.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua4-630x420.jpg 630w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>\u0110\u00e2y c\u00f3 th\u1ec3 l\u00e0 qu\u1ef9 kh\u1ea9n c\u1ea5p, qu\u1ef9 ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed ho\u1eb7c c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1c, v\u00ed d\u1ee5 ch\u1ee9ng kho\u00e1n. C\u00e1c chuy\u00ean gia th\u01b0\u1eddng khuy\u00ean b\u1ea1n n\u00ean c\u1ed1 g\u1eafng d\u00e0nh m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh trong qu\u1ef9 kh\u1ea9n c\u1ea5p \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed sinh ho\u1ea1t t\u1ed1i thi\u1ec3u trong 3 \u2013 6 th\u00e1ng \u0111\u1ec1 ph\u00f2ng c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ea5t tr\u1eafc.<\/p>\n<p>B\u1ea1n n\u00ean c\u00f3 trong tay s\u1ed1 ti\u1ec1n \u00edt nh\u1ea5t b\u1eb1ng 3-6 th\u00e1ng chi ph\u00ed sinh ho\u1ea1t \u0111\u1ec3 ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p m\u1ea5t vi\u1ec7c ho\u1eb7c c\u00f3 bi\u1ebfn c\u1ed1 x\u1ea3y ra. Sau \u0111\u00f3, h\u00e3y t\u1eadp trung v\u00e0o c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n h\u01a1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"30_thu_nhap_cua_ban_%E2%80%93_Mong_muon\"><\/span><strong>30% thu nh\u1eadp c\u1ee7a b\u1ea1n &#8211; Mong mu\u1ed1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3067 size-full\" title=\"Mong mu\u1ed1n l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua3.jpg\" alt=\"Mong mu\u1ed1n l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu\" width=\"800\" height=\"450\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua3.jpg 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua3-300x169.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua3-768x432.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua3-696x392.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua3-747x420.jpg 747w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Mu\u1ed1n l\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng th\u1ee9 b\u1ea1n ti\u00eau ti\u1ec1n kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ee9 ho\u00e0n to\u00e0n c\u1ea7n thi\u1ebft. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m nh\u1eefng b\u1eefa \u0103n ngo\u00e0i, xem phim, chi\u1ebfc t\u00fai x\u00e1ch m\u1edbi, v\u00e9 tham d\u1ef1 c\u00e1c s\u1ef1 ki\u1ec7n th\u1ec3 thao, k\u1ef3 ngh\u1ec9, thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed m\u1edbi nh\u1ea5t v\u00e0 Internet t\u1ed1c \u0111\u1ed9 c\u1ef1c cao.<\/p>\n<p>B\u1ea1n c\u00f3 th\u1ec3 t\u1eadp th\u1ec3 d\u1ee5c t\u1ea1i nh\u00e0 thay v\u00ec \u0111\u1ebfn ph\u00f2ng t\u1eadp th\u1ec3 d\u1ee5c, n\u1ea5u \u0103n thay v\u00ec \u0103n ngo\u00e0i, ho\u1eb7c xem th\u1ec3 thao tr\u00ean TV thay v\u00ec mua v\u00e9 xem tr\u00f2 ch\u01a1i.<\/p>\n<p>Danh m\u1ee5c n\u00e0y c\u0169ng bao g\u1ed3m nh\u1eefng quy\u1ebft \u0111\u1ecbnh n\u00e2ng c\u1ea5p m\u00e0 b\u1ea1n \u0111\u01b0a ra, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1ecdn m\u1ed9t b\u1eefa l\u1ea9u n\u01b0\u1edbng buffet thay v\u00ec m\u1ed9t b\u00e1t b\u00fan ri\u00eau, mua m\u1ed9t chi\u1ebfc Mercedes thay v\u00ec m\u1ed9t chi\u1ebfc Honda ti\u1ebft ki\u1ec7m h\u01a1n ho\u1eb7c l\u1ef1a ch\u1ecdn gi\u1eefa vi\u1ec7c xem truy\u1ec1n h\u00ecnh b\u1eb1ng \u0103ng-ten mi\u1ec5n ph\u00ed ho\u1eb7c chi ti\u1ec1n \u0111\u1ec3 xem truy\u1ec1n h\u00ecnh c\u00e1p.<\/p>\n<p>V\u1ec1 c\u01a1 b\u1ea3n, mong mu\u1ed1n l\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng th\u1ee9 b\u1ed5 sung nh\u1ecf m\u00e0 b\u1ea1n chi ti\u1ec1n \u0111\u1ec3 l\u00e0m cho cu\u1ed9c s\u1ed1ng th\u00fa v\u1ecb v\u00e0 gi\u1ea3i tr\u00ed h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cach_van_dung_nguyen_tac_50_20_30_trong_quan_ly_dong_tien_ca_nhan\"><\/span>C\u00e1ch v\u1eadn d\u1ee5ng nguy\u00ean t\u1eafc 50 20 30 trong qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n c\u00e1 nh\u00e2n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Tiet_kiem_va_dau_tu\"><\/span><strong>Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-14474\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner.jpg\" alt=\"Gi\u1edbi thi\u1ec7u g\u00f3i t\u00edch l\u0169y c\u00f3 k\u1ef3 h\u1ea1n v\u1edbi l\u00e3i su\u1ea5t kh\u1ee7ng l\u00ean \u0111\u1ebfn 9.2%\/n\u0103m\" width=\"1068\" height=\"854\" title=\"\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner.jpg 1068w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner-300x240.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner-1024x819.jpg 1024w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner-768x614.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner-696x557.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/09\/banner-525x420.jpg 525w\" sizes=\"(max-width: 1068px) 100vw, 1068px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Sau khi \u0111\u00e3 thi\u1ebft l\u1eadp ng\u00e2n s\u00e1ch chi ti\u00eau v\u00e0 c\u00f3 cho m\u00ecnh m\u1ed9t k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m, ng\u00e0y nay ng\u01b0\u1eddi ti\u00eau d\u00f9ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m online (th\u00f4ng th\u01b0\u1eddng v\u1edbi m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n so v\u1edbi l\u00e3i su\u1ea5t g\u1eedi t\u1ea1i qu\u1ea7y).<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t hi\u1ec7n nay, vi\u1ec7c g\u1eedi ti\u1ebft ki\u1ec7m kh\u00f4ng k\u1ef3 h\u1ea1n c\u1ef1c k\u00ec ti\u1ec7n l\u1ee3i. Ch\u1ec9 v\u1edbi c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng v\u00e0 s\u1ed1 ti\u1ec1n v\u1ed1n \u201dsinh vi\u00ean\u201d l\u00e0 b\u1ea1n \u0111\u00e3 c\u00f3 th\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m online m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn s\u1ed1 v\u1ed1n h\u00e0ng tri\u1ec7u. App <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> v\u1edbi s\u1ea3n ph\u1ea9m\u00a0<a href=\"https:\/\/www.infina.vn\/tich-luy\">T\u00edch L\u0169y<\/a>\u00a0s\u1ebd gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m tr\u1ef1c tuy\u1ebfn ch\u1ec9 v\u1edbi 200.000\u0111 v\u1edbi l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n 7%\/n\u0103m, \u0111\u00e2y l\u00e0 l\u00e3i su\u1ea5t thu\u1ed9c TOP \u0111\u1ea7u c\u1ee7a l\u00e3i su\u1ea5t kh\u00f4ng k\u1ef3 h\u1ea1n.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, khi b\u1ea1n t\u1ea1o t\u00e0i kho\u1ea3n Infina, b\u1ea1n c\u00f2n \u0111\u01b0\u1ee3c t\u1eb7ng ngay ti\u1ec1n th\u01b0\u1edfng h\u1ea5p d\u1eabn l\u00ean \u0111\u1ebfn 2 tri\u1ec7u \u0111\u1ed3ng. Ngo\u00e0i ra, Infina v\u1eeba tung ra s\u1ea3n ph\u1ea9m m\u1edbi v\u1edbi \u0111a d\u1ea1ng c\u00e1c g\u00f3i k\u1ef3 h\u1ea1n v\u1edbi l\u00e3i su\u1ea5t l\u00ean \u0111\u1ebfn 9.2%\/n\u0103m c\u1ef1c h\u1ea5p d\u1eabn.<\/p>\n<p style=\"text-align: center;\"><span class=\"td_btn td_btn_md td_outlined_btn\"><a href=\"https:\/\/infina.sng.link\/A5xej\/m3tq\/i9ft\" data-internallinksmanager029f6b8e52c=\"1\" title=\"T\u1ea2I APP NGAY!!!\" target=\"_blank\" rel=\"noopener\">T\u1ea2I APP NGAY!!!<\/a><\/span><\/p>\n<figure id=\"attachment_8365\" class=\"wp-caption aligncenter\" aria-describedby=\"caption-attachment-8365\">\n<figure id=\"attachment_8365\" class=\"wp-caption aligncenter\" aria-describedby=\"caption-attachment-8365\">\n<figure id=\"attachment_8365\" class=\"wp-caption aligncenter\" aria-describedby=\"caption-attachment-8365\">\n<figure id=\"attachment_8365\" class=\"wp-caption aligncenter\" aria-describedby=\"caption-attachment-8365\"><img decoding=\"async\" class=\"wp-image-8365 size-full td-animation-stack-type0-2\" title=\"Tr\u1ea3i nghi\u1ec7m app Infina t\u1eb7ng ngay qu\u00e0 t\u1eb7ng l\u00ean \u0111\u1ebfn 2 tri\u1ec7u \u0111\u1ed3ng!\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog.png\" alt=\"t\u1ea3i app infina\" width=\"1600\" height=\"300\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog.png 1600w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog-300x56.png 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog-1024x192.png 1024w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog-768x144.png 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog-1536x288.png 1536w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog-696x131.png 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2022\/06\/banner-tai-app-blog-1068x200.png 1068w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><figcaption id=\"caption-attachment-8365\" class=\"wp-caption-text\">Tr\u1ea3i nghi\u1ec7m app Infina t\u1eb7ng ngay qu\u00e0 t\u1eb7ng l\u00ean \u0111\u1ebfn 2 tri\u1ec7u \u0111\u1ed3ng!<\/figcaption><\/figure>\n<\/figure>\n<\/figure>\n<\/figure>\n<div class=\"mceTemp\"><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Tim_kiem_nguon_thu_nhap_thu_dong_khac\"><\/span><strong>T\u00ecm ki\u1ebfm ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng kh\u00e1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>N\u1ebfu c\u00f4ng vi\u1ec7c h\u1eb1ng ng\u00e0y kh\u00f4ng ng\u1ed1n qu\u00e1 nhi\u1ec1u th\u1eddi gian c\u1ee7a b\u1ea1n, t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng vi\u1ec7c hay \u00fd t\u01b0\u1edfng kinh doanh kh\u1ea3 thi m\u00e0 b\u1ea3n th\u00e2n y\u00eau th\u00edch v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng. C\u00f3 th\u1ec3 \u0111\u01a1n gi\u1ea3n l\u00e0 vi\u1ec7c vi\u1ebft l\u00e1ch, b\u00e1n h\u00e0ng online hay th\u1eadm ch\u00ed l\u00e0 t\u00ecm ki\u1ebfm c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0, kinh doanh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cach_lap_ngan_sach_hop_li_voi_nguyen_tac_50_20_30\"><\/span>C\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch h\u1ee3p l\u00ed v\u1edbi nguy\u00ean t\u1eafc 50 20 30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Liet_ke_tung_thoi_quen_chi_tieu_cua_ban\"><\/span><strong>1. Li\u1ec7t k\u00ea t\u1eebng th\u00f3i quen chi ti\u00eau c\u1ee7a b\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n ng\u00e2n s\u00e1ch 50 20 30, h\u00e3y nh\u00ecn k\u1ef9 v\u00e0o g\u01b0\u01a1ng (ho\u1eb7c c\u00f3 th\u1ec3 l\u00e0 v\u00ed c\u1ee7a b\u1ea1n). Ch\u00fang ta \u0111ang n\u00f3i v\u1ec1 vi\u1ec7c ph\u00e2n t\u00edch th\u00f3i quen chi ti\u00eau c\u1ee7a b\u1ea1n. B\u1ea1n c\u00f3 d\u00e0nh qu\u00e1 nhi\u1ec1u ti\u1ec1n cho qu\u1ea7n \u00e1o kh\u00f4ng? Gi\u00e0y d\u00e9p? M\u00f3n \u0103n? \u0110\u00f4\u0340 u\u00f4\u0341ng hay kh\u00f4ng? T\u00ecm ra th\u00f3i quen chi ti\u00eau c\u1ee7a b\u1ea1n ngay t\u1eeb \u0111\u1ea7u s\u1ebd gi\u00fap b\u1ea1n h\u1ecdc c\u00e1ch s\u1eed d\u1ee5ng ng\u00e2n s\u00e1ch 50 20 30 \u0111\u1ec3 c\u1eaft gi\u1ea3m chi ti\u00eau m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u1edf nh\u1eefng n\u01a1i b\u1ea1n c\u1ea7n nh\u1ea5t.<\/p>\n<p>H\u00e3y xem x\u00e9t b\u1ea3ng sao k\u00ea ng\u00e2n h\u00e0ng v\u00e0 th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n trong v\u00e0i th\u00e1ng qua v\u00e0 xem li\u1ec7u b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y b\u1ea5t k\u1ef3 xu h\u01b0\u1edbng chung n\u00e0o kh\u00f4ng. N\u1ebfu b\u1ea1n nh\u1eadn th\u1ea5y r\u1eb1ng m\u00ecnh \u0111ang d\u00e0nh qu\u00e1 nhi\u1ec1u cho vi\u1ec7c \u0111i mua \u0111\u1ed3 \u0103n v\u00e0 th\u1ee9c u\u1ed1ng, h\u00e3y l\u00ean k\u1ebf ho\u1ea1ch \u0111\u1ec3 tr\u00e1nh nh\u1eefng kho\u1ea3n n\u00e0y.<\/p>\n<p>H\u00e3y n\u1ea5u b\u1eefa t\u1ed1i \u1edf nh\u00e0 tr\u01b0\u1edbc \u0111\u00f3, th\u01b0\u1edfng th\u1ee9c m\u1ed9t b\u1eefa ti\u1ec7c nh\u1eb9 v\u1edbi b\u1ea1n b\u00e8, t\u00ecm c\u00e1c m\u00f3n \u0111\u1eb7c bi\u1ec7t trong khung gi\u1edd v\u00e0ng gi\u1ea3m gi\u00e1 xung quanh th\u1ecb tr\u1ea5n. C\u00f3 r\u1ea5t nhi\u1ec1u c\u00e1ch \u0111\u1ec3 l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 ti\u1ebft ki\u1ec7m ti\u1ec1n m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111\u1eddi s\u1ed1ng x\u00e3 h\u1ed9i c\u1ee7a b\u1ea1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Xac_dinh_nhung_chi_phi_co_the_phat_sinh_trong_danh_muc_%E2%80%9CMong_muon%E2%80%9D\"><\/span><strong>2. X\u00e1c \u0111\u1ecbnh nh\u1eefng chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh trong danh m\u1ee5c &#8220;Mong mu\u1ed1n&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3071 size-full\" title=\"X\u00e1c \u0111\u1ecbnh mong mu\u1ed1n h\u1ee3p l\u00ed\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua1.jpg\" alt=\"X\u00e1c \u0111\u1ecbnh mong mu\u1ed1n h\u1ee3p l\u00ed\" width=\"800\" height=\"480\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua1.jpg 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua1-300x180.jpg 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua1-768x461.jpg 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua1-696x418.jpg 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua1-700x420.jpg 700w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>T\u1ea5t nhi\u00ean, c\u00f3 nh\u1eefng chi ph\u00ed trong cu\u1ed9c s\u1ed1ng m\u00e0 ch\u00fang ta kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi. C\u00f3 th\u1ec3 b\u1ea1n c\u1ea7n s\u1eeda ch\u1eefa chi\u1ebfc xe c\u1ee7a m\u00ecnh ho\u1eb7c c\u00f3 l\u1ebd b\u1ea1n \u0111ang \u0111\u1eb7t c\u1ecdc mua m\u1ed9t c\u0103n nh\u00e0 trong s\u00e1u th\u00e1ng t\u1edbi. Th\u00f4ng th\u01b0\u1eddng, nh\u1eefng h\u00f3a \u0111\u01a1n n\u00e0y l\u00e0 nh\u1eefng chi ph\u00ed c\u1ea7n thi\u1ebft, v\u00ec v\u1eady b\u1ea1n s\u1ebd ph\u1ea3i t\u00ednh ch\u00fang v\u00e0o ng\u00e2n s\u00e1ch c\u1ee7a m\u00ecnh.<\/p>\n<p>Khi b\u1ea1n s\u1eafp \u0111\u1ea1t \u0111\u01b0\u1ee3c ng\u00e2n s\u00e1ch 50 20 30 c\u1ee7a m\u00ecnh, h\u00e3y d\u00e0nh m\u1ed9t ch\u00fat th\u1eddi gian \u0111\u1ec3 xem l\u1ecbch c\u1ee7a b\u1ea1n \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 l\u1eadp k\u1ebf ho\u1ea1ch cho nh\u1eefng kho\u1ea3n chi n\u00e0y v\u00e0 \u0111i\u1ec1u ch\u1ec9nh chi ti\u00eau c\u1ee7a m\u00ecnh trong th\u1eddi gian tr\u01b0\u1edbc v\u00e0 sau khi b\u1ea1n ph\u00e1t sinh chi ph\u00ed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Tinh_tong_thu_nhap\"><\/span><strong>3. T\u00ednh t\u1ed5ng thu nh\u1eadp<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00ednh t\u1ed5ng thu nh\u1eadp c\u1ee7a b\u1ea1n l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ea7u ti\u00ean khi h\u1ecdc c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng quy t\u1eafc 50 20 30, nh\u01b0ng n\u00f3 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u01a1n gi\u1ea3n nh\u01b0 b\u1ea1n t\u01b0\u1edfng. T\u00f9y thu\u1ed9c v\u00e0o c\u00f4ng vi\u1ec7c c\u1ee7a b\u1ea1n, b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 m\u1ed9t kho\u1ea3n l\u01b0\u01a1ng t\u01b0\u01a1ng \u0111\u1ed1i \u1ed5n \u0111\u1ecbnh ho\u1eb7c m\u1ed9t kho\u1ea3n ti\u1ec1n dao \u0111\u1ed9ng t\u1eeb th\u00e1ng n\u00e0y sang th\u00e1ng kh\u00e1c.<\/p>\n<p>N\u1ebfu tr\u01b0\u1eddng h\u1ee3p th\u1ee9 hai x\u1ea3y ra, h\u00e3y thu th\u1eadp th\u00f4ng tin t\u1eeb b\u1ea3ng l\u01b0\u01a1ng c\u1ee7a b\u1ea1n t\u1eeb s\u00e1u th\u00e1ng qua v\u00e0 t\u00ednh m\u1ee9c trung b\u00ecnh. (D\u1ecbch Gi\u1ea3: Nguy\u1ec5n Minh Ph\u01b0\u01a1ng &#8211; Ngu\u1ed3n: <a href=\"https:\/\/www.facebook.com\/tomolearnsomethingnew\" rel=\"nofollow noopener\" target=\"_blank\">ToMo &#8211; Learn Something New<\/a>)<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nguyen_tac_quan_ly_tien_50_20_30_nay_danh_cho_nhung_ai\"><\/span>Nguy\u00ean t\u1eafc qu\u1ea3n l\u00fd ti\u1ec1n 50 20 30 n\u00e0y d\u00e0nh cho nh\u1eefng ai?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3072 size-full\" title=\"Qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3 n\u00e0y d\u00e0nh cho nh\u1eefng ai?\" src=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua.png\" alt=\"Qu\u1ea3n l\u00fd ti\u1ec1n hi\u1ec7u qu\u1ea3 n\u00e0y d\u00e0nh cho nh\u1eefng ai?\" width=\"800\" height=\"450\" srcset=\"https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua.png 800w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua-300x169.png 300w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua-768x432.png 768w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua-696x392.png 696w, https:\/\/infina.vn\/blog\/wp-content\/uploads\/2021\/08\/cach-quan-ly-tien-hieu-qua-747x420.png 747w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Ph\u01b0\u01a1ng ph\u00e1p 50 20 30 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 kh\u00e1 hi\u1ec7u qu\u1ea3 v\u00e0 d\u1ec5 d\u00e0ng \u00e1p d\u1ee5ng. Nguy\u00ean t\u1eafc <a href=\"https:\/\/infina.vn\/blog\/tag\/quan-ly-tai-chinh\/\">qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh<\/a> n\u00e0y kh\u00e1 d\u1ec5 v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, nh\u01b0ng c\u0169ng kh\u00e1 v\u1ea5t v\u1ea3 v\u1edbi kh\u00f4ng \u00edt ng\u01b0\u1eddi. V\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 \u0111i l\u00e0m l\u00e2u n\u0103m, kh\u00f4ng c\u00f3 c\u00e1c kho\u1ea3n n\u1ee3 t\u00e0i ch\u00ednh qu\u1ea3n l\u00fd ti\u1ec1n theo quy t\u1eafc 50 20 30 s\u1ebd kh\u00e1 \u0111\u01a1n gi\u1ea3n.<\/p>\n<p>Nh\u01b0ng v\u1edbi nh\u1eefng b\u1ea1n tr\u1ebb \u0111ang trong qu\u00e1 tr\u00ecnh kh\u1edfi nghi\u1ec7p, v\u1eadt l\u1ee3n v\u1edbi c\u00e1c kho\u1ea3n vay sinh vi\u00ean do m\u1edbi ra tr\u01b0\u1eddng\u2026 Th\u1ef1c hi\u1ec7n quy t\u1eafc 50 20 30 s\u1ebd khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi v\u1eadt l\u1ed9n v\u1edbi nh\u1eefng kho\u1ea3n vay \u0111\u00e3 \u0111\u1ebfn h\u1ea1n.<\/p>\n<p>Do v\u1eady, c\u1ea7n thanh to\u00e1n t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u v\u1edbi 50 20 30. Ho\u1eb7c kho\u1ea3n chi ph\u00ed 20% d\u00e0nh \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c tr\u00edch ra \u0111\u1ec3 tr\u1ea3 n\u1ee3. Gi\u1ea3i quy\u1ebft c\u00e1c kho\u1ea3n n\u1ee3, gi\u1ea3m l\u00e3i t\u1eeb c\u00e1c kho\u1ea3n n\u1ee3 s\u1ebd gi\u00fap b\u1ea1n nhanh ch\u00f3ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh.<\/p>\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>Quy t\u1eafc 50 20 30 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd ti\u1ec1n h\u1eefu hi\u1ec7u nh\u1edd nh\u1eefng nguy\u00ean t\u1eafc \u0111\u01a1n gi\u1ea3n. \u0110\u1ec3 b\u1ea3o \u0111\u1ea3m cho cu\u1ed9c s\u1ed1ng \u0111\u01b0\u1ee3c tho\u1ea3i m\u00e1i, ch\u00fang ta kh\u00f4ng n\u00ean qu\u00e1 c\u1ee9ng nh\u1eafc khi c\u1ed1 \u0111\u00e8 n\u00e9n b\u1ea3n th\u00e2n ph\u1ea3i t\u1eeb b\u1ecf m\u1ed9t s\u1ed1 \u201cth\u00fa vui\u201d c\u1ee7a m\u00ecnh trong ph\u1ea7n chi ti\u00eau c\u00e1 nh\u00e2n.<\/p>\n<p>Hi v\u1ecdng sau b\u00e0i vi\u1ebft n\u00e0y, b\u1ea1n \u0111\u00e3 bi\u1ebft \u0111\u01b0\u1ee3c quy t\u1eafc 50 20 30 trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c v\u1eadn d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea1t hi\u1ec7u qu\u1ea3. V\u00e0 \u0111\u1eebng qu\u00ean chia s\u1ebb nguy\u00ean t\u1eafc n\u00e0y v\u1edbi ng\u01b0\u1eddi th\u00e2n, b\u1ea1n b\u00e8 c\u1ee7a b\u1ea1n nh\u00e9!<\/p>\n<p>B\u1ea1n c\u00f3 c\u1ea3m ngh\u0129 nh\u01b0 th\u1ebf n\u00e0o? H\u00e3y \u0111\u1ec3 l\u1ea1i b\u00ecnh lu\u1eadn ph\u00eda d\u01b0\u1edbi nh\u00e9!<\/p>\n<p>Xem th\u00eam: B\u1eadt m\u00ed 6 c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ef1c k\u00ec \u0111\u01a1n gi\u1ea3n v\u00e0 hi\u1ec7u qu\u1ea3<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu&#7843;n l&yacute; ti&#7873;n l&agrave; m&#7897;t vi&#7879;c kh&ocirc;ng h&#7873; d&#7877; d&agrave;ng, b&#7841;n ph&#7843;i chi ti&ecirc;u cho nhi&#7873;u nhu c&#7847;u nh&#432; cho b&#7843;n th&acirc;n ho&#7863;c cho gia &#273;&igrave;nh. Nh&#432;ng ki&#7871;m ti&#7873;n th&igrave; kh&ocirc;ng d&#7877; &#273;&uacute;ng kh&ocirc;ng? Th&#7871; qu&#7843;n l&yacute; ti&#7873;n ch&#7855;c ch&#7855;n c&#361;ng kh&aacute; kh&oacute; kh&#259;n &#273;&#7889;i v&#7899;i c&aacute;c b&#7841;n tr&#7867; hi&#7879;n nay. Th&#7871; th&igrave; &#273;&#7915;ng lo, [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[65],"class_list":{"0":"post-2807","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh","8":"tag-quan-ly-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/2807","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=2807"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/2807\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/3065"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=2807"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=2807"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=2807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}