{"id":200,"date":"2026-05-10T13:36:47","date_gmt":"2026-05-10T13:36:47","guid":{"rendered":"https:\/\/theselfmadepeople.com\/?p=200"},"modified":"2026-05-10T13:37:17","modified_gmt":"2026-05-10T13:37:17","slug":"nhung-tu-duy-quan-trong-de-quan-ly-tai-chinh-ca-nhan-hieu-qua","status":"publish","type":"post","link":"https:\/\/theselfmadepeople.com\/?p=200","title":{"rendered":"NH\u1eeeNG T\u01af DUY QUAN TR\u1eccNG \u0110\u1ec2 QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N HI\u1ec6U QU\u1ea2"},"content":{"rendered":"\n<p>\u0110\u1ec3 qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh, ch\u00fang ta c\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 r\u00e8n luy\u1ec7n nh\u1eefng t\u01b0 duy quan tr\u1ecdng v\u1ec1 t\u00e0i ch\u00ednh. C\u00f3 th\u1ec3 n\u00f3i r\u1eb1ng, ch\u00ednh nh\u1eefng t\u01b0 duy n\u00e0y s\u1ebd quy\u1ebft \u0111\u1ecbnh s\u1ef1 gi\u00e0u c\u00f3, th\u1ecbnh v\u01b0\u1ee3ng v\u00e0 an to\u00e0n t\u00e0i ch\u00ednh trong su\u1ed1t cu\u1ed9c \u0111\u1eddi ch\u00fang ta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. T\u01b0 duy ti\u1ebft ki\u1ec7m ch\u1ee7 \u0111\u1ed9ng<\/h3>\n\n\n\n<p>Ti\u1ebft ki\u1ec7m ch\u1ee7 \u0111\u1ed9ng ngh\u0129a l\u00e0 ch\u00fang ta lu\u00f4n \u01b0u ti\u00ean ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u chi ti\u00eau, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1edd \u0111\u1ebfn cu\u1ed1i th\u00e1ng, sau khi \u0111\u00e3 chi ti\u00eau xong, c\u00f2n d\u01b0 bao nhi\u00eau th\u00ec m\u1edbi ti\u1ebft ki\u1ec7m b\u1ea5y nhi\u00eau. \u0110\u00e2y l\u00e0 m\u1ed9t t\u01b0 duy then ch\u1ed1t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng ch\u00fang ta lu\u00f4n c\u00f3 kho\u1ea3n t\u00edch l\u0169y, b\u1ea5t k\u1ec3 m\u1ee9c thu nh\u1eadp hi\u1ec7n t\u1ea1i cao hay th\u1ea5p.<\/p>\n\n\n\n<p>Th\u1ef1c t\u1ebf \u0111\u00e3 ch\u1ee9ng minh, m\u1ed9t ng\u01b0\u1eddi d\u00f9 ki\u1ebfm \u0111\u01b0\u1ee3c \u00edt ti\u1ec1n nh\u01b0ng ki\u00ean tr\u00ec ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec1u \u0111\u1eb7n s\u1ebd c\u00f3 th\u1ec3 gi\u00e0u c\u00f3 h\u01a1n nh\u1eefng ng\u01b0\u1eddi ki\u1ebfm \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u nh\u01b0ng l\u1ea1i chi ti\u00eau ph\u00f3ng tay m\u00e0 kh\u00f4ng \u0111\u1ec3 d\u00e0nh \u0111\u01b0\u1ee3c g\u00ec.<\/p>\n\n\n\n<p>Theo t\u01b0 duy ti\u1ebft ki\u1ec7m ch\u1ee7 \u0111\u1ed9ng n\u00e0y, ch\u00fang ta n\u00ean \u00e1p d\u1ee5ng m\u1ed9t c\u00f4ng th\u1ee9c qu\u1ea3n l\u00fd thu nh\u1eadp h\u1ee3p l\u00fd h\u01a1n thay v\u00ec c\u00f4ng th\u1ee9c truy\u1ec1n th\u1ed1ng 50% &#8211; 30% &#8211; 20%. H\u00e3y th\u1eed \u0111\u1ea3o ng\u01b0\u1ee3c l\u1ea1i c\u00f4ng th\u1ee9c n\u00e0y th\u00e0nh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ea7u ti\u00ean, tr\u00edch ra 20% c\u1ee7a thu nh\u1eadp \u0111\u1ec3 d\u00e0nh ri\u00eang cho ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0.<\/li>\n\n\n\n<li>Ti\u1ebfp theo, d\u00e0nh 50% thu nh\u1eadp \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu nh\u01b0 \u0103n u\u1ed1ng, nh\u00e0 \u1edf, gi\u00e1o d\u1ee5c v\u00e0 s\u1ee9c kh\u1ecfe.<\/li>\n\n\n\n<li>Cu\u1ed1i c\u00f9ng, 30% c\u00f2n l\u1ea1i d\u00e0nh cho nh\u1eefng mong mu\u1ed1n nh\u01b0 du l\u1ecbch, mua s\u1eafm, gi\u1ea3i tr\u00ed. Ph\u1ea7n n\u00e0y ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 c\u1eaft gi\u1ea3m n\u1ebfu t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh y\u00eau c\u1ea7u.<\/li>\n<\/ul>\n\n\n\n<p>Vi\u1ec7c \u01b0u ti\u00ean ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi chi ti\u00eau s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n ngu\u1ed3n t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh nhanh h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. T\u01b0 duy \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n<\/h3>\n\n\n\n<p>Ti\u1ec1n b\u1ea1c m\u00e0 ch\u00fang ta t\u00edch l\u0169y, ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c kh\u00f4ng n\u00ean ch\u1ec9 \u0111\u1ec3 trong ng\u00e2n h\u00e0ng hay c\u1ea5t gi\u1eef, m\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 sinh l\u1eddi. Vi\u1ec7c \u0111\u1ea7u t\u01b0 s\u1ebd gi\u00fap t\u00e0i s\u1ea3n c\u1ee7a ch\u00fang ta t\u0103ng tr\u01b0\u1edfng v\u00e0 b\u1ea3o v\u1ec7 ch\u00fang ta tr\u01b0\u1edbc nguy c\u01a1 l\u1ea1m ph\u00e1t l\u00e0m m\u1ea5t gi\u00e1 \u0111\u1ed3ng ti\u1ec1n.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, ch\u00fang ta c\u1ea7n hi\u1ec3u r\u1eb1ng, vi\u1ec7c gi\u00e0u c\u00f3 b\u1ec1n v\u1eefng kh\u00f4ng th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c qua nh\u1eefng k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 ng\u1eafn h\u1ea1n hay nh\u1eefng l\u1eddi h\u1ee9a l\u00e0m gi\u00e0u nhanh ch\u00f3ng. Th\u1ef1c t\u1ebf cho th\u1ea5y, nh\u1eefng k\u1ef3 v\u1ecdng v\u1ec1 vi\u1ec7c gi\u00e0u nhanh th\u01b0\u1eddng ch\u1ec9 l\u00e0 \u1ea3o t\u01b0\u1edfng, ch\u1ee9a \u0111\u1ea7y r\u1ee7i ro v\u00e0 ti\u1ec1m \u1ea9n nh\u1eefng m\u1ea5t m\u00e1t l\u1edbn.<\/p>\n\n\n\n<p>Do \u0111\u00f3, h\u00e3y x\u00e2y d\u1ef1ng m\u1ed9t t\u01b0 duy \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n: ki\u00ean tr\u00ec, b\u1ec1n b\u1ec9 v\u00e0 c\u00f3 chi\u1ebfn l\u01b0\u1ee3c r\u00f5 r\u00e0ng. Nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00f4ng \u0111\u1ec1u hi\u1ec3u r\u1eb1ng vi\u1ec7c \u0111\u1ea7u t\u01b0 l\u00e2u d\u00e0i v\u1edbi s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 k\u1ef7 lu\u1eadt m\u1edbi th\u1ef1c s\u1ef1 mang l\u1ea1i k\u1ebft qu\u1ea3 v\u01b0\u1ee3t tr\u1ed9i v\u00e0 an to\u00e0n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. T\u01b0 duy &#8220;kh\u00f4ng c\u00f3 b\u1eefa tr\u01b0a mi\u1ec5n ph\u00ed&#8221;<\/h3>\n\n\n\n<p>M\u1ed9t nguy\u00ean t\u1eafc kinh \u0111i\u1ec3n trong \u0111\u1ea7u t\u01b0 l\u00e0: L\u1ee3i nhu\u1eadn c\u00e0ng cao th\u00ec r\u1ee7i ro c\u00e0ng l\u1edbn. V\u00ec v\u1eady, ch\u00fang ta lu\u00f4n ph\u1ea3i c\u1ea3nh gi\u00e1c tr\u01b0\u1edbc nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 cam k\u1ebft l\u1ee3i nhu\u1eadn cao m\u1ed9t c\u00e1ch phi l\u00fd, nh\u1eefng l\u1eddi h\u1ee9a &#8220;l\u1ee3i nhu\u1eadn cao m\u00e0 kh\u00f4ng r\u1ee7i ro&#8221; \u0111\u1ec1u ti\u1ec1m \u1ea9n nguy c\u01a1 l\u1eeba \u0111\u1ea3o r\u1ea5t l\u1edbn.<\/p>\n\n\n\n<p>M\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng minh lu\u00f4n ch\u00fa tr\u1ecdng \u0111\u1ebfn vi\u1ec7c t\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n tr\u01b0\u1edbc khi b\u1ecf ti\u1ec1n v\u00e0o b\u1ea5t k\u1ef3 c\u01a1 h\u1ed9i n\u00e0o. Ch\u00fang ta ph\u1ea3i bi\u1ebft qu\u1ea3n l\u00fd r\u1ee7i ro th\u1eadt t\u1ed1t, kh\u00f4ng \u0111\u1ec3 b\u1ea3n th\u00e2n r\u01a1i v\u00e0o b\u1eaby nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 l\u1eeba \u0111\u1ea3o v\u1edbi nh\u1eefng l\u1eddi qu\u1ea3ng c\u00e1o hoa m\u1ef9.<\/p>\n\n\n\n<p>Lu\u00f4n nh\u1edb r\u1eb1ng, trong \u0111\u1ea7u t\u01b0 kh\u00f4ng c\u00f3 &#8220;b\u1eefa tr\u01b0a mi\u1ec5n ph\u00ed&#8221;. M\u1ecdi kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u1ec1u c\u1ea7n th\u1eddi gian, c\u00f4ng s\u1ee9c nghi\u00ean c\u1ee9u, ph\u00e2n t\u00edch v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 th\u1eadn tr\u1ecdng \u0111\u1ec3 \u0111\u1ea1t hi\u1ec7u qu\u1ea3 th\u1ef1c s\u1ef1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. T\u01b0 duy ch\u1ecbu tr\u00e1ch nhi\u1ec7m<\/h3>\n\n\n\n<p>M\u1ed7i ch\u00fang ta l\u00e0 ng\u01b0\u1eddi duy nh\u1ea5t ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a ch\u00ednh m\u00ecnh. Kh\u00f4ng ai kh\u00e1c ngo\u00e0i b\u1ea3n th\u00e2n ch\u00fang ta quy\u1ebft \u0111\u1ecbnh s\u1ef1 th\u00e0nh c\u00f4ng hay th\u1ea5t b\u1ea1i v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>\u0110\u1ec3 th\u1ef1c s\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1edbi t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, ch\u00fang ta c\u1ea7n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hi\u1ec3u r\u00f5 v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0: T\u00ecm hi\u1ec3u v\u00e0 trang b\u1ecb ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u1ec1 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c, \u0111\u1ea7u t\u01b0 v\u00e0 r\u1ee7i ro.<\/li>\n\n\n\n<li>X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng: M\u1ee5c ti\u00eau c\u00e0ng r\u00f5 r\u00e0ng, ch\u00fang ta c\u00e0ng d\u1ec5 d\u00e0ng l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ec3 th\u1ef1c hi\u1ec7n.<\/li>\n\n\n\n<li>L\u1eadp k\u1ebf ho\u1ea1ch chi ti\u1ebft: K\u1ebf ho\u1ea1ch n\u00e0y s\u1ebd l\u00e0 kim ch\u1ec9 nam d\u1eabn d\u1eaft h\u00e0nh \u0111\u1ed9ng v\u00e0 quy\u1ebft \u0111\u1ecbnh h\u00e0ng ng\u00e0y c\u1ee7a ch\u00fang ta.<\/li>\n\n\n\n<li>H\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3 v\u00e0 nh\u1ea5t qu\u00e1n: Ki\u00ean tr\u00ec v\u00e0 k\u1ef7 lu\u1eadt th\u1ef1c hi\u1ec7n c\u00e1c k\u1ebf ho\u1ea1ch \u0111\u00e3 \u0111\u1eb7t ra l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.<\/li>\n<\/ul>\n\n\n\n<p>Vi\u1ec7c ch\u1ee7 \u0111\u1ed9ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n s\u1ebd gi\u00fap ch\u00fang ta ki\u1ec3m so\u00e1t cu\u1ed9c s\u1ed1ng t\u1ed1t h\u01a1n, x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc v\u00e0 h\u01b0\u1edbng t\u1edbi s\u1ef1 \u0111\u1ed9c l\u1eadp, t\u1ef1 do v\u1ec1 t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. K\u1ebft lu\u1eadn<\/h3>\n\n\n\n<p>T\u00f3m l\u1ea1i, vi\u1ec7c x\u00e2y d\u1ef1ng v\u00e0 \u00e1p d\u1ee5ng nh\u1eefng t\u01b0 duy quan tr\u1ecdng tr\u00ean \u0111\u00e2y v\u00e0o cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y s\u1ebd gi\u00fap ch\u00fang ta qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3, \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng v\u00e0 t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng h\u1ea1nh ph\u00fac, an t\u00e2m v\u00e0 sung t\u00fac h\u01a1n.<\/p>\n\n\n\n<p><strong>T\u00e1c gi\u1ea3: L\u00e2m Minh Ch\u00e1nh<\/strong><\/p>\n\n\n\n<p>H\u1ecdc IELTS hay \u0111i l\u00e0m c\u0169ng v\u1eady, n\u1ed7 l\u1ef1c \u0111\u00fang h\u01b0\u1edbng quan tr\u1ecdng h\u01a1n l\u00e0 ch\u1ec9 l\u00e0m vi\u1ec7c h\u00f9ng h\u1ee5c. <strong>N\u1ebfu b\u1ea1n \u0111ang hoang mang kh\u00f4ng bi\u1ebft b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u v\u1edbi IELTS v\u00e0 n\u00e2ng c\u1ea5p b\u1ea3n th\u00e2n, c\u00f3 th\u1ec3 inb Gia S\u01b0 IELTS online 1-1 qua: 0963023500 \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 l\u1ed9 tr\u00ecnh c\u00e1 nh\u00e2n h\u00f3a nh\u00e9!<\/strong> \ud83d\ude80 B\u1ea1n c\u00f3 th\u1ec3 xem th\u00eam 1 s\u1ed1 b\u00e0i kh\u00e1c \u1edf <a href=\"http:\/\/theselfmadepeople.com\/\">http:\/\/theselfmadepeople.com\/<\/a>\u00a0 <\/p>\n\n\n\n<p>#IELTS #WritingTask2 #StudyTips #GiaSuIELTS<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ec3 qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh, ch\u00fang ta c\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 r\u00e8n luy\u1ec7n nh\u1eefng t\u01b0 duy quan tr\u1ecdng v\u1ec1<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-200","post","type-post","status-publish","format-standard","hentry","category-100-ki-nang-tu-than-lap-nghiep"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=\/wp\/v2\/posts\/200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=200"}],"version-history":[{"count":2,"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=\/wp\/v2\/posts\/200\/revisions"}],"predecessor-version":[{"id":202,"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=\/wp\/v2\/posts\/200\/revisions\/202"}],"wp:attachment":[{"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/theselfmadepeople.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}