{"id":2166,"date":"2019-12-16T12:01:00","date_gmt":"2019-12-16T05:01:00","guid":{"rendered":"https:\/\/sum.vn\/blog\/?p=2166"},"modified":"2019-12-11T12:17:39","modified_gmt":"2019-12-11T05:17:39","slug":"huong-dan-cach-chi-tieu-tiet-kiem","status":"publish","type":"post","link":"https:\/\/sum.vn\/blog\/huong-dan-cach-chi-tieu-tiet-kiem\/","title":{"rendered":"H\u01b0\u1edbng d\u1eabn c\u00e1ch chi ti\u00eau ti\u1ebft ki\u1ec7m m\u1edbi nh\u1ea5t 2020"},"content":{"rendered":"\n<p><strong>C\u00e1ch chi ti\u00eau ti\u1ebft ki\u1ec7m<\/strong> l\u00e0 m\u1ed9t trong nh\u1eefng keyword \u0111\u01b0\u1ee3c search nhi\u1ec1u nh\u1ea5t v\u1ec1 ch\u1ee7 \u0111\u1ec1 <strong>c\u00e1ch chi ti\u00eau ti\u1ebft ki\u1ec7m<\/strong>. Trong b\u00e0i vi\u1ebft n\u00e0y, sum.vn s\u1ebd vi\u1ebft b\u00e0i vi\u1ebft H\u01b0\u1edbng d\u1eabn c\u00e1ch chi ti\u00eau ti\u1ebft ki\u1ec7m m\u1edbi nh\u1ea5t 2020.\u00a0<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-2170\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2019\/12\/c\u00e1ch-chi-ti\u00eau-ti\u1ebft-ki\u1ec7m.jpg\" alt=\"\" width=\"1300\" height=\"864\" title=\"\"><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">M\u1ee5c l\u1ee5c<\/p><ul class=\"toc_list\"><li><a href=\"#Huong_dan_cach_chi_tieu_tiet_kiem_moi_nhat_2020\"><span class=\"toc_number toc_depth_1\">1<\/span> H\u01b0\u1edbng d\u1eabn c\u00e1ch chi ti\u00eau ti\u1ebft ki\u1ec7m m\u1edbi nh\u1ea5t 2020<\/a><ul><li><a href=\"#1_Theo_doi_chi_tieu_cua_ban\"><span class=\"toc_number toc_depth_2\">1.1<\/span> 1. Theo d\u00f5i chi ti\u00eau c\u1ee7a b\u1ea1n<\/a><\/li><li><a href=\"#2_Khac_phuccac_khoan_no_tu_khoan_no_co_so_du_nho_nhat_bangphuong_thucSnowball\"><span class=\"toc_number toc_depth_2\">1.2<\/span> 2. Kh\u1eafc ph\u1ee5c\u00a0c\u00e1c kho\u1ea3n n\u1ee3 t\u1eeb kho\u1ea3n n\u1ee3 c\u00f3 s\u1ed1 d\u01b0 nh\u1ecf nh\u1ea5t (b\u1eb1ng\u00a0ph\u01b0\u01a1ng th\u1ee9c\u00a0Snowball)<\/a><\/li><li><a href=\"#3_Pay_Yourself_First_Chi_tra_chochinh_minh_truoc_tien\"><span class=\"toc_number toc_depth_2\">1.3<\/span> 3. Pay Yourself First (Chi tr\u1ea3 cho\u00a0ch\u00ednh m\u00ecnh tr\u01b0\u1edbc ti\u00ean)<\/a><\/li><li><a href=\"#4_Datmuc_tieucat_giam10thu_nhapmoi_thang\"><span class=\"toc_number toc_depth_2\">1.4<\/span> 4. \u0110\u1eb7t\u00a0m\u1ee5c ti\u00eau\u00a0c\u1eaft gi\u1ea3m\u00a010%\u00a0thu nh\u1eadp\u00a0m\u1ed7i th\u00e1ng<\/a><\/li><\/ul><\/li><\/ul><\/div>\n<h2><span id=\"Huong_dan_cach_chi_tieu_tiet_kiem_moi_nhat_2020\">H\u01b0\u1edbng d\u1eabn c\u00e1ch chi ti\u00eau ti\u1ebft ki\u1ec7m m\u1edbi nh\u1ea5t 2020<\/span><\/h2>\n<h3><span id=\"1_Theo_doi_chi_tieu_cua_ban\"><strong>1. Theo d\u00f5i chi ti\u00eau c\u1ee7a b\u1ea1n<\/strong><\/span><\/h3>\n<p>\u0110i\u1ec1u\u00a0<span class=\"marker\">quan tr\u1ecdng<\/span>\u00a0<span class=\"marker\">tr\u01b0\u1edbc nh\u1ea5t<\/span>, n\u1ebfu b\u1ea1n\u00a0<span class=\"marker\">mong mu\u1ed1n<\/span>\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0nhi\u1ec1u h\u01a1n v\u00e0 chi ti\u00eau \u00edt h\u01a1n, b\u1ea1n c\u1ea7n ph\u1ea3i bi\u1ebft s\u1ed1\u00a0<span class=\"marker\">ti\u1ec1n c\u1ee7a<\/span>\u00a0b\u1ea1n \u0111\u01b0\u1ee3c\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0cho nh\u1eefng vi\u1ec7c g\u00ec. Nh\u1eefng\u00a0<span class=\"marker\">tool<\/span>\u00a0<span class=\"marker\">qu\u1ea3n l\u00fd<\/span>\u00a0t\u00e0i ch\u00ednh\u00a0<span class=\"marker\">Tr\u1ef1c tuy\u1ebfn<\/span>\u00a0<span class=\"marker\">nh\u01b0<\/span>\u00a0Mint, You Need a Budget, hay Personal Capital\u2026 \u0111\u1ec1u gi\u00fap b\u1ea1n theo d\u00f5i chi ti\u00eau m\u1ed9t\u00a0<span class=\"marker\">m\u1eb9o<\/span>\u00a0<span class=\"marker\">k\u1ebft qu\u1ea3<\/span>.<br \/><br \/>Chuy\u00ean gia t\u00e0i ch\u00ednh\u00a0<span class=\"marker\">c\u00e1 nh\u00e2n<\/span>, Stefanie O\u2019Connell, cho bi\u1ebft: &#8220;Tr\u01b0\u1edbc khi b\u1ea1n\u00a0<span class=\"marker\">mu\u1ed1n<\/span>\u00a0mua m\u1ed9t th\u1ee9 g\u00ec \u0111\u00f3, h\u00e3y \u2018t\u00e1i hi\u1ec7n\u2019 l\u1ea1i t\u00ecnh\u00a0<span class=\"marker\">h\u00ecnh<\/span>\u00a0t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh b\u1eb1ng\u00a0<span class=\"marker\">c\u00e1ch<\/span>\u00a0t\u1ef1 \u0111\u1eb7t ra nh\u1eefng c\u00e2u h\u1ecfi\u00a0<span class=\"marker\">nh\u01b0<\/span>\u00a0\u2018T\u00f4i c\u00f2n\u00a0<span class=\"marker\">qu\u00e1 \u0111\u1ee7<\/span>\u00a0ti\u1ec1n mua kh\u00f4ng?&#8221; ho\u1eb7c &#8220;Kho\u1ea3n chi ti\u00eau n\u00e0y\u00a0<span class=\"marker\">s\u1ebd gi\u00fap<\/span>\u00a0t\u00f4i \u0111\u1ebfn g\u1ea7n h\u01a1n hay \u0111\u1ea9y t\u00f4i ra xa h\u01a1n\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0t\u00e0i ch\u00ednh?&#8221;.<br \/><br \/>Khi\u00a0<span class=\"marker\">nh\u00ecn th\u1ea5y<\/span>\u00a0x\u00e9t\u00a0<span class=\"marker\">t\u1ea5t c\u1ea3<\/span>\u00a0c\u00e1c kho\u1ea3n chi\u00a0<span class=\"marker\">gi\u1ed1ng nh\u01b0<\/span>\u00a0v\u1eady, b\u1ea1n s\u1ebd\u00a0<span class=\"marker\">kh\u00f4ng kh\u00f3 kh\u0103n<\/span>\u00a0n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c t\u00ecnh\u00a0<span class=\"marker\">\u1ea3nh<\/span>\u00a0t\u00e0i ch\u00ednh\u00a0<span class=\"marker\">ng\u00e0y nay<\/span>\u00a0c\u1ee7a m\u00ecnh. B\u1ea1n c\u0169ng\u00a0<span class=\"marker\">\u0111\u1ee7 n\u1ed9i l\u1ef1c<\/span>\u00a0<span class=\"marker\">x\u00e1c \u0111\u1ecbnh<\/span>\u00a0<span class=\"marker\">ch\u00ednh x\u00e1c<\/span>\u00a0<span class=\"marker\">hi\u1ec7u qu\u1ea3<\/span>\u00a0c\u1ee7a c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh b\u1ea1n\u00a0<span class=\"marker\">\u0111\u00e3<\/span>\u00a0<span class=\"marker\">mang<\/span>\u00a0ra. Ch\u1eb3ng h\u1ea1n, b\u1ea1n\u00a0<span class=\"marker\">\u0111\u1ee7 n\u1ed9i l\u1ef1c<\/span>\u00a0c\u1ea3m th\u1ea5y r\u1eb1ng b\u1ea1n \u0111i \u0103n ti\u1ec7m qu\u00e1 nhi\u1ec1u, nh\u01b0ng ch\u1ec9 khi\u00a0<span class=\"marker\">Nh\u00ecn<\/span>\u00a0v\u00e0o\u00a0<span class=\"marker\">s\u1ed1 v\u1ed1n<\/span>\u00a0b\u1ea1n b\u1ecf ra m\u1ed7i th\u00e1ng cho vi\u1ec7c n\u00e0y,\u00a0<span class=\"marker\">con s\u1ed1<\/span>\u00a0\u0111\u00f3 m\u1edbi t\u1ea1o \u0111\u1ed9ng l\u1ef1c gi\u00fap b\u1ea1n\u00a0<span class=\"marker\">c\u1ea3i thi\u1ec7n<\/span>.<\/p>\n<p>B\u00e0 O\u2019Connell cho bi\u1ebft: &#8220;Ch\u00fang ta\u00a0<span class=\"marker\">\u0111\u1ee7 s\u1ee9c<\/span>\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0<span class=\"marker\">k\u1ebf ho\u1ea1ch<\/span>\u00a0theo d\u00f5i chi ti\u00eau \u0111\u1ec3\u00a0<span class=\"marker\">ki\u1ec3m so\u00e1t<\/span>\u00a0s\u1ef1 ti\u1ebfn b\u1ed9 c\u1ee7a ch\u00fang ta khi\u00a0<span class=\"marker\">kh\u1edfi \u0111\u1ea7u<\/span>\u00a0<span class=\"marker\">v\u1eadn d\u1ee5ng<\/span>\u00a0nh\u1eefng th\u00f3i quen t\u00e0i ch\u00ednh t\u00edch c\u1ef1c\u00a0<span class=\"marker\">gi\u1ed1ng nh\u01b0<\/span>\u00a0<span class=\"marker\">t\u0103ng tr\u01b0\u1edfng<\/span>\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0v\u00e0 gi\u1ea3m n\u1ee3 n\u1ea7n&#8221;.<\/p>\n<h3><span id=\"2_Khac_phuccac_khoan_no_tu_khoan_no_co_so_du_nho_nhat_bangphuong_thucSnowball\"><br \/><br \/><strong>2. K<span class=\"marker\">h\u1eafc ph\u1ee5c<\/span>\u00a0c\u00e1c kho\u1ea3n n\u1ee3 t\u1eeb kho\u1ea3n n\u1ee3 c\u00f3 s\u1ed1 d\u01b0 nh\u1ecf nh\u1ea5t (b\u1eb1ng\u00a0<span class=\"marker\">ph\u01b0\u01a1ng th\u1ee9c<\/span>\u00a0Snowball)<\/strong><\/span><\/h3>\n<p><img decoding=\"async\" class=\"alignnone  wp-image-2167\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2019\/12\/16.1.jpg\" alt=\"\" width=\"669\" height=\"375\" title=\"\"><\/p>\n<p><br \/>N\u1ebfu\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0c\u1ee7a b\u1ea1n l\u00e0 tho\u00e1t kh\u1ecfi\u00a0<span class=\"marker\">t\u1ea5t c\u1ea3<\/span>\u00a0c\u00e1c kho\u1ea3n n\u1ee3 trong n\u0103m nay th\u00ec b\u1ea1n\u00a0<span class=\"marker\">\u0111\u00e3<\/span>\u00a0\u0111i \u0111\u00fang h\u01b0\u1edbng \u2013 khi b\u1ea1n thanh to\u00e1n h\u1ebft n\u1ee3, b\u1ea1n\u00a0<span class=\"marker\">\u0111\u1ee7 s\u1ee9c<\/span>\u00a0\u2018t\u1ef1 do h\u00f3a\u2019 s\u1ed1\u00a0<span class=\"marker\">ti\u1ec1n t\u00e0i<\/span>\u00a0b\u1ea1n cho c\u00e1c\u00a0<span class=\"marker\">m\u1ee5c \u0111\u00edch<\/span>\u00a0t\u00e0i ch\u00ednh\u00a0<span class=\"marker\">kh\u00f4ng gi\u1ed1ng<\/span>.<br \/><br \/>C\u00f3 2\u00a0<span class=\"marker\">k\u1ebf ho\u1ea1ch<\/span>\u00a0tr\u1ea3 n\u1ee3 c\u01a1 b\u1ea3n:\u00a0<span class=\"marker\">gi\u1ea3i quy\u1ebft<\/span>\u00a0c\u00e1c kho\u1ea3n n\u1ee3 l\u00e3i su\u1ea5t cao nh\u1ea5t tr\u01b0\u1edbc hay thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 s\u1ed1 d\u01b0 nh\u1ecf h\u01a1n tr\u01b0\u1edbc. Trong khi\u00a0<span class=\"marker\">ng\u01b0\u1eddi kh\u00e1c<\/span>\u00a0th\u01b0\u1eddng\u00a0<span class=\"marker\">ch\u1ecdn<\/span>\u00a0<span class=\"marker\">m\u1eb9o<\/span>\u00a0th\u1ee9 nh\u1ea5t v\u00ec cho r\u1eb1ng n\u00f3 h\u1ee3p logic v\u00e0\u00a0<span class=\"marker\">k\u1ebft qu\u1ea3<\/span>\u00a0h\u01a1n th\u00ec c\u00e1c\u00a0<span class=\"marker\">nghi\u00ean c\u1ee9u<\/span>\u00a0ch\u1ec9 ra r\u1eb1ng \u01b0u ti\u00ean\u00a0<span class=\"marker\">ph\u01b0\u01a1ng ph\u00e1p<\/span>\u00a0th\u1ee9 2\u00a0<span class=\"marker\">s\u1ebd gi\u00fap<\/span>\u00a0b\u1ea1n thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3\u00a0<span class=\"marker\">d\u1ec5 d\u00e0ng<\/span>\u00a0h\u01a1n.\u00a0<span class=\"marker\">ph\u01b0\u01a1ng ph\u00e1p<\/span>\u00a0n\u00e0y c\u00f2n \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn d\u01b0\u1edbi t\u00ean g\u1ecdi &#8220;Ph\u01b0\u01a1ng ph\u00e1p Snowball&#8221; (Ph\u01b0\u01a1ng ph\u00e1p b\u00f3ng tuy\u1ebft), \u0111\u01b0\u1ee3c\u00a0<span class=\"marker\">th\u00f4ng d\u1ee5ng<\/span>\u00a0b\u1edfi Dave Ramsey.<\/p>\n<p>B\u1ea1n h\u00e3y li\u1ec7t k\u00ea c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a b\u1ea1n theo s\u1ed1 d\u01b0, sau \u0111\u00f3,\u00a0<span class=\"marker\">kh\u1eafc ph\u1ee5c<\/span>\u00a0s\u1ed1 d\u01b0 nh\u1ecf nh\u1ea5t\u00a0<span class=\"marker\">tr\u01b0\u1edbc nh\u1ea5t<\/span>,\u00a0<span class=\"marker\">song song<\/span>\u00a0tr\u1ea3 m\u1ed9t ph\u1ea7n nh\u1ecf cho c\u00e1c kho\u1ea3n n\u1ee3\u00a0<span class=\"marker\">kh\u00f4ng gi\u1ed1ng<\/span>. Khi b\u1ea1n\u00a0<span class=\"marker\">\u0111ang<\/span>\u00a0thanh to\u00e1n \u0111\u01b0\u1ee3c s\u1ed1 d\u01b0 nh\u1ecf nh\u1ea5t, h\u00e3y\u00a0<span class=\"marker\">s\u1eed d\u1ee5ng<\/span>\u00a0<span class=\"marker\">s\u1ed1 ti\u1ec1n<\/span>\u00a0b\u1ea1n\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0\u0111\u1ec3 chi tr\u1ea3 cho kho\u1ea3n n\u1ee3 \u0111\u00f3\u00a0<span class=\"marker\">gi\u1ea3i quy\u1ebft<\/span>\u00a0kho\u1ea3n n\u1ee3 nh\u1ecf nh\u1ea5t\u00a0<span class=\"marker\">k\u1ebf ti\u1ebfp<\/span>, c\u1ee9 th\u1ef1c hi\u1ec7n\u00a0<span class=\"marker\">gi\u1ed1ng nh\u01b0<\/span>\u00a0v\u1eady cho \u0111\u1ebfn khi b\u1ea1n ho\u00e0n to\u00e0n tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n. \u00dd t\u01b0\u1edfng c\u1ee7a\u00a0<span class=\"marker\">m\u1eb9o<\/span>\u00a0n\u00e0y l\u00e0, khi b\u1ea1n\u00a0<span class=\"marker\">\u0111ang<\/span>\u00a0tr\u1ea3 \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n n\u1ee3, b\u1ea1n s\u1ebd c\u00f3 \u0111\u1ed9ng l\u1ef1c v\u00e0 n\u0103ng l\u01b0\u1ee3ng \u0111\u1ec3\u00a0<span class=\"marker\">kh\u1eafc ph\u1ee5c<\/span>\u00a0c\u00e1c kho\u1ea3n n\u1ee3 sau \u0111\u00f3.<\/p>\n<p>Qua m\u1ed9t s\u1ed1\u00a0<span class=\"marker\">kh\u1ea3o s\u00e1t<\/span>, c\u00e1c s\u1ed1 li\u1ec7u thu \u0111\u01b0\u1ee3c\u00a0<span class=\"marker\">v\u1eeba m\u1edbi<\/span>\u00a0ch\u1ec9 ra r\u1eb1ng nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 \u0111\u1ed9ng l\u1ef1c v\u1edbi\u00a0<span class=\"marker\">m\u1ee5c \u0111\u00edch<\/span>\u00a0tr\u1ea3 n\u1ee3 c\u1ee7a h\u1ecd h\u01a1n khi\u00a0<span class=\"marker\">s\u1eed d\u1ee5ng<\/span>\u00a0<span class=\"marker\">m\u1eb9o<\/span>\u00a0Snowball.<br \/><br \/><span class=\"marker\">kh\u00f4ng nh\u1eefng th\u1ebf<\/span>, b\u1ea1n\u00a0<span class=\"marker\">v\u1eabn<\/span>\u00a0n\u00ean c\u1ea9n th\u1eadn. M\u1ed9t nh\u00e0\u00a0<span class=\"marker\">nghi\u00ean c\u1ee9u<\/span>\u00a0<span class=\"marker\">gi\u1ea3i th\u00edch<\/span>\u00a0<span class=\"marker\">m\u1eb9o<\/span>\u00a0n\u00e0y ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng\u00a0<span class=\"marker\">k\u1ebft qu\u1ea3<\/span>\u00a0nh\u1ea5t &#8220;trong ph\u1ea1m vi m\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a\u00a0<span class=\"marker\">ng\u01b0\u1eddi s\u1eed d\u1ee5ng<\/span>\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0ch\u00eanh nhau nhi\u1ec1u v\u1ec1 l\u00e3i su\u1ea5t&#8221;. N\u1ebfu m\u1ed9t trong c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a b\u1ea1n c\u00f3 s\u1ed1 d\u01b0 cao h\u01a1n\u00a0<span class=\"marker\">m\u1ed9t t\u00ed<\/span>\u00a0nh\u01b0ng l\u00e3i su\u1ea5t l\u1ea1i cao h\u01a1n r\u1ea5t nhi\u1ec1u, b\u1ea1n n\u00ean \u01b0u ti\u00ean\u00a0<span class=\"marker\">kh\u1eafc ph\u1ee5c<\/span>\u00a0c\u00e1c kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao tr\u01b0\u1edbc. H\u00e3y\u00a0<span class=\"marker\">t\u00ecm hi\u1ec3u<\/span>\u00a0th\u1eadt logic khi thanh to\u00e1n n\u1ee3 c\u1ee7a b\u1ea1n.<\/p>\n<h3><span id=\"3_Pay_Yourself_First_Chi_tra_chochinh_minh_truoc_tien\"><strong>3. Pay Yourself First (Chi tr\u1ea3 cho\u00a0<span class=\"marker\">ch\u00ednh m\u00ecnh<\/span> tr\u01b0\u1edbc ti\u00ean)<\/strong><\/span><\/h3>\n<p><br \/><span class=\"marker\">gi\u1ea3ng vi\u00ean<\/span>, nh\u00e0\u00a0<span class=\"marker\">k\u1ebf ho\u1ea1ch<\/span>\u00a0t\u00e0i ch\u00ednh t\u1ea1i\u00a0<span class=\"marker\">\u0110H<\/span>\u00a0California (Los Angeles) &#8211; Samuel Rad &#8211;\u00a0<span class=\"marker\">v\u00ed d\u1ee5<\/span>\u00a0<span class=\"marker\">c\u00e1ch th\u1ee9c<\/span>\u00a0&#8220;Pay Yourself first&#8221; \u2013 vi\u1ebft t\u1eaft PYF &#8211; (H\u00e3y chi tr\u1ea3 cho\u00a0<span class=\"marker\">ch\u00ednh m\u00ecnh<\/span>\u00a0tr\u01b0\u1edbc ti\u00ean).<\/p>\n<p>&#8220;M\u1ee5c ti\u00eau c\u1ee7a\u00a0<span class=\"marker\">b\u00ed quy\u1ebft<\/span>\u00a0n\u00e0y l\u00e0 ch\u00fang ta\u00a0<span class=\"marker\">lu\u00f4n lu\u00f4n<\/span>\u00a0<span class=\"marker\">r\u00fat ra<\/span>\u00a0m\u1ed9t ph\u1ea7n l\u01b0\u01a1ng \u0111\u1ec3 d\u1ef1 tr\u1eef tr\u01b0\u1edbc khi chi ti\u00eau v\u00e0o nh\u1eefng th\u1ee9 kh\u00e1c&#8221;. \u0110\u00e2y l\u00e0 m\u1ed9t\u00a0<span class=\"marker\">plan<\/span>\u00a0<span class=\"marker\">kh\u00f4ng kh\u00f3 kh\u0103n<\/span>\u00a0th\u1ef1c hi\u1ec7n b\u1edfi b\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">c\u00e0i \u0111\u1eb7t<\/span>\u00a0<span class=\"marker\">auto<\/span>. H\u00e3y\u00a0<span class=\"marker\">x\u00e2y d\u1ef1ng<\/span>\u00a0ch\u1ebf \u0111\u1ed9 chuy\u1ec3n m\u1ed9t ph\u1ea7n ti\u1ec1n l\u01b0\u01a1ng \u0111\u1ecbnh k\u1ef3 sang\u00a0<span class=\"marker\">account<\/span>\u00a0<span class=\"marker\">ti\u1ebft ki\u1ec7m<\/span>\u00a0c\u1ee7a b\u1ea1n m\u1ed7i th\u00e1ng. Th\u1eadm ch\u00ed, n\u1ebfu ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a b\u1ea1n ch\u1ec9 c\u00f3 20 \u0111\u00f4,\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0b\u1ea1n s\u1ebd\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0\u0111\u01b0\u1ee3c\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0<span class=\"marker\">s\u1ed1 t\u00e0i nguy\u00ean<\/span>\u00a0\u0111\u00f3 ngay nh\u01b0ng b\u1ea1n s\u1ebd v\u00f4 c\u00f9ng\u00a0<span class=\"marker\">ng\u1ea1c nhi\u00ean<\/span>\u00a0khi\u00a0<span class=\"marker\">Quan s\u00e1t<\/span>\u00a0v\u00e0o\u00a0<span class=\"marker\">t\u00e0i kho\u1ea3n<\/span>\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0c\u1ee7a b\u1ea1n sau m\u1ed9t th\u1eddi gian.<\/p>\n<p><span class=\"marker\">gi\u1ea3ng vi\u00ean<\/span>\u00a0n\u00e0y\u00a0<span class=\"marker\">b\u1ea5m<\/span>\u00a0m\u1ea1nh: &#8220;Ph\u01b0\u01a1ng ph\u00e1p PYF c\u0169ng \u0111\u1ea3m b\u1ea3o cho b\u1ea1n\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0<span class=\"marker\">bao gi\u1edd<\/span>\u00a0b\u1ecb r\u1ed7ng t\u00fai&#8221;.<br \/><br \/>Ch\u00fang ta th\u01b0\u1eddng c\u00f3 th\u00f3i quen: sau khi nh\u1eadn \u0111\u01b0\u1ee3c l\u01b0\u01a1ng th\u00ec \u0111i \u0103n, mua s\u1eafm, \u0111i\u00a0<span class=\"marker\">nh\u00ecn th\u1ea5y<\/span>\u00a0phim\u2026 v\u00e0 cu\u1ed1i c\u00f9ng, b\u1ea1n nh\u1eadn ra\u00a0<span class=\"marker\">b\u1ea3n th\u00e2n<\/span>\u00a0<span class=\"marker\">k<\/span>\u00a0c\u00f2n\u00a0<span class=\"marker\">qu\u00e1 \u0111\u1ee7<\/span>\u00a0ti\u1ec1n \u0111\u1ec3 thanh to\u00e1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u00e1ng n\u00e0y.<\/p>\n<p>Khi b\u1ea1n\u00a0<span class=\"marker\">v\u1eadn d\u1ee5ng<\/span>\u00a0<span class=\"marker\">m\u1eb9o<\/span>\u00a0&#8220;Pay yourself first&#8221;, b\u1ea1n\u00a0<span class=\"marker\">\u0111\u1ee7 n\u1ed9i l\u1ef1c<\/span>\u00a0d\u1ef1 tr\u00f9 m\u1ed9t ph\u1ea7n ti\u1ec1n thi\u1ebft y\u1ebfu v\u00e0\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0c\u00f2n g\u1eb7p ph\u1ea3i\u00a0<span class=\"marker\">v\u1ea5n \u0111\u1ec1<\/span>\u00a0n\u00e0y. H\u1ea7u h\u1ebft c\u00e1c d\u1ecbch v\u1ee5\u00a0<span class=\"marker\">hi\u1ec7n t\u1ea1i<\/span>\u00a0\u0111\u1ec1u c\u00f3 h\u00f3a \u0111\u01a1n\u00a0<span class=\"marker\">t\u1ef1 \u0111\u1ed9ng<\/span>\u00a0v\u00e0 b\u1ea1n\u00a0<span class=\"marker\">\u0111\u1ee7 n\u1ed9i l\u1ef1c<\/span>\u00a0\u0111\u1ecbnh r\u00f5 m\u1ed9t ng\u00e0y trong th\u00e1ng b\u1ea1n\u00a0<span class=\"marker\">mu\u1ed1n<\/span>\u00a0thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111\u00f3. Khi m\u1ecdi kho\u1ea3n ti\u1ec1n\u00a0<span class=\"marker\">quan tr\u1ecdng<\/span>\u00a0<span class=\"marker\">gi\u1ed1ng nh\u01b0<\/span>\u00a0h\u00f3a \u0111\u01a1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u01b0\u1ee3c chi tr\u1ea3, b\u1ea1n\u00a0<span class=\"marker\">k<\/span>\u00a0c\u00f2n ph\u1ea3i\u00a0<span class=\"marker\">s\u1ee3<\/span>\u00a0<span class=\"marker\">v\u1ea5n \u0111\u1ec1<\/span>\u00a0t\u01b0\u01a1ng t\u1ef1 s\u1ebd x\u1ea3y ra n\u1eefa.<br \/><br \/>N\u00f3i chung, \u00fd t\u01b0\u1edfng n\u00e0y nh\u1eb1m\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0\u0111\u1ea3m b\u1ea3o cho c\u00e1c kho\u1ea3n \u01b0u ti\u00ean c\u1ee7a b\u1ea1n \u0111\u1ec1u \u0111\u01b0\u1ee3c thanh to\u00e1n tr\u01b0\u1edbc khi b\u1ea1n chi ti\u00eau s\u1ed1\u00a0<span class=\"marker\">ti\u1ec1n c\u1ee7a<\/span>\u00a0m\u00ecnh cho nh\u1eefng th\u1ee9 \u00edt\u00a0<span class=\"marker\">c\u1ea7n thi\u1ebft<\/span>\u00a0h\u01a1n.<\/p>\n<h3><span id=\"4_Datmuc_tieucat_giam10thu_nhapmoi_thang\"><br \/><strong>4. \u0110\u1eb7t\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a010%\u00a0<span class=\"marker\">thu nh\u1eadp<\/span>\u00a0m\u1ed7i th\u00e1ng<\/strong><\/span><\/h3>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-2168\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2019\/12\/16.2.jpg\" alt=\"\" width=\"1900\" height=\"1160\" title=\"\"><\/p>\n<p><br \/>N\u1ebfu b\u1ea1n\u00a0<span class=\"marker\">k<\/span>\u00a0bi\u1ebft n\u00ean\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0bao nhi\u00eau ti\u1ec1n m\u1ed7i th\u00e1ng th\u00ec h\u00e3y \u0111\u1eb7t ra\u00a0<span class=\"marker\">quy t\u1eafc<\/span>\u00a010%.\u00a0<span class=\"marker\">CEO<\/span>\u00a0c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh Sum180, Carla Dearing, g\u1ee3i \u00fd: &#8220;N\u1ebfu b\u1ea1n\u00a0<span class=\"marker\">li\u00ean t\u1ee5c<\/span>\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a010%\u00a0<span class=\"marker\">thu nh\u1eadp<\/span>, cho d\u00f9\u00a0<span class=\"marker\">s\u1ed1 v\u1ed1n<\/span>\u00a0b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c l\u00e0 bao nhi\u00eau, b\u1ea1n s\u1ebd\u00a0<span class=\"marker\">m\u00e3i m\u00e3i<\/span>\u00a0t\u1ef1 tin r\u1eb1ng\u00a0<span class=\"marker\">ch\u00ednh m\u00ecnh<\/span>\u00a0m\u00ecnh\u00a0<span class=\"marker\">\u0111ang<\/span>\u00a0c\u00f3 m\u1ed9t kho\u1ea3n d\u00e0nh d\u1ee5m&#8221;.<br \/><br \/>\u0110\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t\u00a0<span class=\"marker\">con s\u1ed1<\/span>\u00a0\u01b0\u1edbc l\u01b0\u1ee3ng,\u00a0<span class=\"marker\">v\u00ec v\u1eady<\/span>, b\u1ea1n \u0111\u1eebng qu\u00e1\u00a0<span class=\"marker\">b\u1eadn t\u00e2m<\/span>\u00a0n\u1ebfu b\u1ea1n\u00a0<span class=\"marker\">k<\/span>\u00a0\u0111\u1ea1t \u0111\u01b0\u1ee3c\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0\u0111\u00f3. Ch\u00fang t\u00f4i ch\u1ec9\u00a0<span class=\"marker\">g\u1ee3i \u00fd<\/span>\u00a0<span class=\"marker\">quy t\u1eafc<\/span>\u00a010%, th\u1eadm ch\u00ed, n\u1ebfu b\u1ea1n\u00a0<span class=\"marker\">mu\u1ed1n<\/span>\u00a0<span class=\"marker\">ti\u1ebft ki\u1ec7m<\/span>\u00a0nhi\u1ec1u h\u01a1n, b\u1ea1n c\u0169ng\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">c\u1ea3i thi\u1ec7n<\/span>\u00a0<span class=\"marker\">con s\u1ed1<\/span>\u00a0n\u00e0y sau \u0111\u00f3. B\u00e0 Dearing kh\u1eb3ng \u0111\u1ecbnh t\u00ecnh\u00a0<span class=\"marker\">h\u00ecnh<\/span>\u00a0t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n s\u1ebd c\u00e0ng \u0111\u1ea1t\u00a0<span class=\"marker\">hi\u1ec7u qu\u1ea3<\/span>\u00a0cao h\u01a1n khi b\u1ea1n\u00a0<span class=\"marker\">h\u00f2a h\u1ee3p<\/span>\u00a0<span class=\"marker\">quy t\u1eafc<\/span>\u00a0n\u00e0y v\u1edbi\u00a0<span class=\"marker\">c\u00f4ng th\u1ee9c<\/span>\u00a0PYF.<br \/><br \/>B\u00e0 Carla Dearing cho bi\u1ebft: &#8220;N\u1ebfu \u00fd t\u01b0\u1edfng n\u00e0y th\u1ef1c hi\u1ec7n qu\u00e1 kh\u00f3, h\u00e3y\u00a0<span class=\"marker\">setup<\/span>\u00a0ch\u1ebf \u0111\u1ed9 chuy\u1ec3n ti\u1ec1n \u0111\u1ea7u th\u00e1ng t\u1ea1i\u00a0<span class=\"marker\">bank<\/span>\u00a0<span class=\"marker\">t\u1ef1 \u0111\u1ed9ng<\/span>.\u00a0<span class=\"marker\">s\u1eed d\u1ee5ng<\/span>\u00a0<span class=\"marker\">gi\u1ed1ng nh\u01b0<\/span>\u00a0v\u1eady,\u00a0<span class=\"marker\">s\u1ed1 ti\u1ec1n<\/span>\u00a0m\u00e0 b\u1ea1n\u00a0<span class=\"marker\">mu\u1ed1n<\/span>\u00a0d\u00e0nh cho\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0s\u1ebd \u0111\u01b0\u1ee3c\u00a0<span class=\"marker\">t\u1ef1 \u0111\u1ed9ng<\/span>\u00a0chuy\u1ec3n v\u00e0o\u00a0<span class=\"marker\">account<\/span>\u00a0<span class=\"marker\">ti\u1ebft ki\u1ec7m<\/span>\u00a0c\u1ee7a b\u1ea1n m\u1ed7i th\u00e1ng tr\u01b0\u1edbc khi n\u00f3 \u0111\u1ebfn \u0111\u01b0\u1ee3c tay b\u1ea1n. H\u00e3y ngh\u0129 \u0111\u1ebfn vi\u1ec7c\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a010%\u00a0<span class=\"marker\">nh\u01b0<\/span>\u00a0m\u1ed9t\u00a0<span class=\"marker\">h\u01b0\u1edbng d\u1eabn<\/span>\u00a0b\u1ea1n cho ph\u00e9p\u00a0<span class=\"marker\">ch\u00ednh m\u00ecnh<\/span>\u00a0<span class=\"marker\">li\u00ean t\u1ee5c<\/span>\u00a0\u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh l\u00e2u d\u00e0i&#8221;.<br \/><br \/><strong>5. Th\u1eed\u00a0<span class=\"marker\">th\u1eed nghi\u1ec7m<\/span>\u00a0m\u1ed9t th\u00e1ng\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0ti\u00eau ti\u1ec1n<\/strong><br \/><br \/>Nh\u1eefng th\u00e1ch th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh r\u1ea5t th\u00fa v\u1ecb b\u1edfi ch\u00fang bi\u1ebfn nh\u1eefng th\u00f3i quen t\u00e0i ch\u00ednh t\u1ed1t m\u00e0 h\u1ea7u h\u1ebft ch\u00fang ta\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c th\u00e0nh m\u1ed9t tr\u00f2 ch\u01a1i.<\/p>\n<p>B\u00e0 Dearing g\u1ee3i \u00fd: &#8220;H\u00e3y\u00a0<span class=\"marker\">b\u1eaft \u0111\u1ea7u<\/span>\u00a0<span class=\"marker\">camp<\/span>\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0c\u1ee7a b\u1ea1n b\u1eb1ng m\u1ed9t th\u00e1ng\u00a0<span class=\"marker\">k<\/span>\u00a0ti\u00eau ti\u1ec1n.\u00a0<span class=\"marker\">ph\u01b0\u01a1ng ph\u00e1p<\/span>\u00a0th\u1ef1c hi\u1ec7n r\u1ea5t \u0111\u01a1n gi\u1ea3n: B\u1ea1n h\u00e3y cam k\u1ebft r\u1eb1ng b\u1ea1n s\u1ebd ch\u1ec9 chi ti\u00eau cho nh\u1eefng th\u1ee9 thi\u1ebft y\u1ebfu trong su\u1ed1t 30 ng\u00e0y. \u0110i b\u1ed9 hay \u0111\u1ea1p xe thay v\u00ec l\u00e1i \u00f4 t\u00f4,\u00a0<span class=\"marker\">mang<\/span>\u00a0b\u1eefa tr\u01b0a \u0111i\u00a0<span class=\"marker\">l\u00e0m<\/span>\u00a0h\u00e0ng ng\u00e0y,\u00a0<span class=\"marker\">ch\u1ecdn<\/span>\u00a0<span class=\"marker\">c\u00e1ch<\/span>\u00a0<span class=\"marker\">ti\u00eau khi\u1ec3n<\/span>\u00a0<span class=\"marker\">mi\u1ec5n ph\u00ed<\/span>\u00a0<span class=\"marker\">nh\u01b0<\/span>\u00a0\u0111i c\u00f4ng vi\u00ean&#8221;. N\u1ebfu b\u1ea1n\u00a0<span class=\"marker\">kh\u00f4ng<\/span>\u00a0th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, \u0111\u1eebng th\u1ea5t v\u1ecdng!\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0<span class=\"marker\">\u0111\u1ee7 n\u1ed9i l\u1ef1c<\/span>\u00a0<span class=\"marker\">k<\/span>\u00a0<span class=\"marker\">ho\u00e0n thi\u1ec7n<\/span>\u00a0nh\u01b0ng\u00a0<span class=\"marker\">to\u00e0n b\u1ed9<\/span>\u00a0\u00fd t\u01b0\u1edfng ch\u1ec9\u00a0<span class=\"marker\">\u0111\u01a1n gi\u1ea3n<\/span>\u00a0l\u00e0 th\u1eaft ch\u1eb7t chi ti\u00eau v\u00e0\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0nhi\u1ec1u h\u01a1n.<br \/><br \/>Th\u1eed th\u00e1ch n\u00e0y c\u0169ng gi\u00fap b\u1ea1n\u00a0<span class=\"marker\">nh\u00ecn th\u1ea5y<\/span>\u00a0x\u00e9t l\u1ea1i nhi\u1ec1u kho\u1ea3n chi\u00a0<span class=\"marker\">k<\/span>\u00a0<span class=\"marker\">c\u1ea7n thi\u1ebft<\/span>\u00a0c\u0169ng\u00a0<span class=\"marker\">gi\u1ed1ng nh\u01b0<\/span>\u00a0c\u00e2n nh\u1eafc k\u1ef9 h\u01a1n \u0111\u1ebfn\u00a0<span class=\"marker\">v\u1ea5n \u0111\u1ec1<\/span>\u00a0ti\u00eau ti\u1ec1n trong t\u01b0\u01a1ng lai. B\u00e0 Dearing cho bi\u1ebft: &#8220;B\u1ea1n s\u1ebd\u00a0<span class=\"marker\">k<\/span>\u00a0ch\u1ec9\u00a0<span class=\"marker\">c\u1eaft gi\u1ea3m<\/span>\u00a0\u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n trong th\u00e1ng n\u00e0y m\u00e0 c\u00f2n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">nghi\u00ean c\u1ee9u<\/span>\u00a0l\u1ea1i th\u00f3i quen ti\u00eau ti\u1ec1n c\u0169, c\u0169ng\u00a0<span class=\"marker\">nh\u01b0<\/span>\u00a0quy\u1ebft \u0111\u1ecbnh con \u0111\u01b0\u1eddng chi ti\u00eau\u00a0<span class=\"marker\">ph\u00f9 h\u1ee3p<\/span>\u00a0h\u01a1n&#8221;.<\/p>\n<p>Ngu\u1ed3n:https:\/\/doanhnhansaigon.vn<\/p>\n<p>Xem th\u00eam\u00a0<\/p>\n<p><a href=\"https:\/\/sum.vn\/blog\/12-cach-de-ban-kiem-tien-online-vo-cung-don-gian-ma-bat-ky-ai-khong-the-bo-qua-phan-1\/\" data-rich-text-format-boundary=\"true\">12 c\u00e1ch \u0111\u1ec3 b\u1ea1n ki\u1ebfm ti\u1ec1n online v\u00f4 c\u00f9ng \u0111\u01a1n gi\u1ea3n m\u00e0 b\u1ea5t k\u1ef3 ai kh\u00f4ng th\u1ec3 b\u1ecf qua ( ph\u1ea7n 1 )<\/a><\/p>\n<p><a href=\"https:\/\/sum.vn\/blog\/huong-dan-kiem-tien-online-bang-nhung-trang-website-rut-gon-link-uy-tin-nhat-hien-nay-phan-2\/\" data-rich-text-format-boundary=\"true\">H\u01b0\u1edbng d\u1eabn ki\u1ebfm ti\u1ec1n online b\u1eb1ng nh\u1eefng trang website r\u00fat g\u1ecdn link uy t\u00edn nh\u1ea5t hi\u1ec7n nay (ph\u1ea7n 2 )<\/a><\/p>\n<p><a href=\"https:\/\/sum.vn\/blog\/4-chien-dich-email-marketing-moi-nhat-2019-ma-nha-marketing-nao-cung-phai-biet\/\" data-rich-text-format-boundary=\"true\">4 chi\u1ebfn d\u1ecbch Email marketing m\u1edbi nh\u1ea5t 2019 m\u00e0 nh\u00e0 Marketing n\u00e0o c\u0169ng ph\u1ea3i bi\u1ebft<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":2170,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1163,1165,1164],"tags":[1162,1166,1169,1170,1172,1168,1167,1171],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/2166"}],"collection":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/comments?post=2166"}],"version-history":[{"count":0,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/2166\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/media\/2170"}],"wp:attachment":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/media?parent=2166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/categories?post=2166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/tags?post=2166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}