{"id":4733,"date":"2020-08-19T14:30:57","date_gmt":"2020-08-19T07:30:57","guid":{"rendered":"https:\/\/sum.vn\/blog\/?p=4733"},"modified":"2020-08-19T14:31:09","modified_gmt":"2020-08-19T07:31:09","slug":"quan-ly-chi-tieu-hieu-qua","status":"publish","type":"post","link":"https:\/\/sum.vn\/blog\/quan-ly-chi-tieu-hieu-qua\/","title":{"rendered":"Kinh nghi\u1ec7m qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 ti\u1ebft ki\u1ec7m th\u1eddi gian"},"content":{"rendered":"\n<p>Nh\u1eefng c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n thi\u1ebft l\u1eadp k\u1ebf ho\u1ea1ch thu \u2013 chi m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd v\u00e0 khoa h\u1ecdc d\u1ef1a tr\u00ean m\u1ee9c thu nh\u1eadp. C\u00f9ng t\u00ecm hi\u1ec3u<strong> c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3<\/strong> ngay n\u00e0o<\/p>\n\n\n\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=\"#1_Phan_bo_chi_tieu\"><span class=\"toc_number toc_depth_1\">1<\/span> 1. Ph\u00e2n b\u1ed5 chi ti\u00eau<\/a><ul><li><a href=\"#Phuong_phap_6010101010_8211_Phuong_phap_quan_ly_chi_tieu_hieu_qua_nhat\"><span class=\"toc_number toc_depth_2\">1.1<\/span> Ph\u01b0\u01a1ng ph\u00e1p 60\/10\/10\/10\/10 &#8211; Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 nh\u1ea5t<\/a><\/li><li><a href=\"#Phuong_phap_2080\"><span class=\"toc_number toc_depth_2\">1.2<\/span> Ph\u01b0\u01a1ng ph\u00e1p 20\/80<\/a><\/li><li><a href=\"#Phuong_phap_cac_phan_nua\"><span class=\"toc_number toc_depth_2\">1.3<\/span> Ph\u01b0\u01a1ng ph\u00e1p \u201cc\u00e1c ph\u00e2n n\u1eeda\u201d<\/a><\/li><\/ul><\/li><li><a href=\"#2_Chi_tieu_theo_muc_do_uu_tien\"><span class=\"toc_number toc_depth_1\">2<\/span> 2. Chi ti\u00eau theo m\u1ee9c \u0111\u1ed9 \u01b0u ti\u00ean<\/a><\/li><li><a href=\"#3_Cap_nhat_giao_dich_chi_tieu_thuong_xuyen\"><span class=\"toc_number toc_depth_1\">3<\/span> 3. C\u1eadp nh\u1eadt giao d\u1ecbch chi ti\u00eau th\u01b0\u1eddng xuy\u00ean<\/a><\/li><li><a href=\"#4_Thiet_lap_quy_du_phong\"><span class=\"toc_number toc_depth_1\">4<\/span> 4. Thi\u1ebft l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng<\/a><\/li><li><a href=\"#5_Cach_quan_ly_tai_chinh_ca_nhan_bang_6_cai_lo\"><span class=\"toc_number toc_depth_1\">5<\/span> 5. C\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n b\u1eb1ng 6 c\u00e1i l\u1ecd<\/a><\/li><li><a href=\"#7_Su_dung_ung_dung_de_theo_doi_va_quan_ly_chi_tieu_hieu_qua\"><span class=\"toc_number toc_depth_1\">6<\/span> 7. S\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng \u0111\u1ec3 theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3<\/a><ul><li><a href=\"#Spendee\"><span class=\"toc_number toc_depth_2\">6.1<\/span> Spendee<\/a><\/li><li><a href=\"#Mint\"><span class=\"toc_number toc_depth_2\">6.2<\/span> Mint<\/a><\/li><li><a href=\"#Money_Lover\"><span class=\"toc_number toc_depth_2\">6.3<\/span> Money Lover<\/a><\/li><li><a href=\"#HomeBudget\"><span class=\"toc_number toc_depth_2\">6.4<\/span> HomeBudget<\/a><\/li><li><a href=\"#So_thu_chi_Misa\"><span class=\"toc_number toc_depth_2\">6.5<\/span> S\u1ed5 thu chi Misa<\/a><\/li><\/ul><\/li><\/ul><\/div>\n<h2><span id=\"1_Phan_bo_chi_tieu\">1. Ph\u00e2n b\u1ed5 chi ti\u00eau<\/span><\/h2>\n\n\n\n<p>Ph\u00e2n b\u1ed5 chi ti\u00eau c\u00f3 ngh\u0129a l\u00e0 chia nh\u1ecf kho\u1ea3n thu cho c\u00e1c kho\u1ea3n chi ti\u00eau kh\u00e1c nhau d\u1ef1a tr\u00ean nhu c\u1ea7u chi ti\u00eau h\u00e0ng th\u00e1ng c\u1ee7a m\u1ed7i ng\u01b0\u1eddi.<\/p>\n\n\n\n<p>\u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n n\u1eafm r\u00f5 d\u00f2ng ti\u1ec1n, th\u00f3i quen chi ti\u00eau v\u00e0 h\u00ecnh th\u00e0nh k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh cho t\u01b0\u01a1ng lai. Nh\u1eb1m c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, tho\u00e1t kh\u1ecfi nh\u1eefng r\u1eafc r\u1ed1i v\u1ec1 ti\u1ec1n b\u1ea1c.<\/p>\n\n\n\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n b\u1ed5 chi ti\u00eau h\u00e0ng th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o v\u00e0 l\u1ef1a ch\u1ecdn cho m\u00ecnh ph\u01b0\u01a1ng ph\u00e1p ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n<h3><span id=\"Phuong_phap_6010101010_8211_Phuong_phap_quan_ly_chi_tieu_hieu_qua_nhat\">Ph\u01b0\u01a1ng ph\u00e1p 60\/10\/10\/10\/10 &#8211; Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 nh\u1ea5t<\/span><\/h3>\n\n\n\n<p>Theo ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, thu nh\u1eadp c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chia v\u00e0o c\u00e1c nh\u00f3m chi ti\u00eau, t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c t\u1ef7 l\u1ec7 nh\u01b0 sau:<\/p>\n\n\n\n<ul><li>60% d\u00e0nh cho nhu c\u1ea7u thi\u1ebft y\u1ebfu: Nh\u00e0 c\u1eeda, \u0103n u\u1ed1ng, \u0111i l\u1ea1i, h\u00f3a \u0111\u01a1n \u0111i\u1ec7n, n\u01b0\u1edbc\u2026<\/li><li>10% d\u00e0nh cho nh\u00f3m ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n.<\/li><li>10% cho chi ph\u00ed ph\u00e1t sinh: \u1ed0m \u0111au, h\u1ecfng xe, th\u1ea5t nghi\u1ec7p\u2026<\/li><li>10% nh\u00f3m ho\u1ea1t \u0111\u1ed9ng gi\u1ea3i tr\u00ed: Mua s\u1eafm, xem phim\u2026<\/li><li>10% cho k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u.<\/li><li>N\u1ebfu t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n kh\u00f4ng kh\u1ea3 quan, v\u1eabn c\u00f2n nh\u1eefng kho\u1ea3n n\u1ee3. C\u00e1ch t\u1ed1t nh\u1ea5t b\u1ea1n n\u00ean tr\u00edch 10% cho k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u \u0111\u1ec3 tr\u1ea3 n\u1ee3.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/phan-bo-chi-tieu-e1576145767819.jpg\" alt=\"C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng\" title=\"\"><figcaption>L\u00ean k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3<\/figcaption><\/figure><\/div>\n\n\n\n<h3><span id=\"Phuong_phap_2080\">Ph\u01b0\u01a1ng ph\u00e1p 20\/80<\/span><\/h3>\n\n\n\n<p>\u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd chi ti\u00eau \u0111\u01a1n gi\u1ea3n. Thu nh\u1eadp \u0111\u01b0\u1ee3c chia th\u00e0nh 2 ph\u1ea7n, l\u1ea7n l\u01b0\u1ee3t v\u1edbi c\u00e1c t\u1ef7 l\u1ec7 nh\u01b0 sau:<\/p>\n\n\n\n<ul><li>20% thu nh\u1eadp \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ho\u1eb7c ti\u1ebft ki\u1ec7m. \u0110\u00e2y l\u00e0 qu\u1ef9 \u201c\u0111\u00f3ng b\u0103ng\u201d, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng n\u00ean s\u1eed d\u1ee5ng \u0111\u1ec3 chi ti\u00eau cho nhu c\u1ea7u c\u00e1 nh\u00e2n.<\/li><li>80% c\u00f2n l\u1ea1i \u0111\u1ec3 chi tr\u1ea3 cho nh\u1eefng nhu c\u1ea7u trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y.<\/li><\/ul>\n\n\n\n<p>\u0110\u1ec3 \u0111\u1ea1t hi\u1ec7u qu\u1ea3 t\u1ed1i \u0111a \u00e1p d\u1ee5ng c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau theo ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, b\u1ea1n c\u1ea7n thanh to\u00e1n h\u1ebft nh\u1eefng kho\u1ea3n n\u1ee3 c\u00e1 nh\u00e2n v\u00e0 n\u1ee3 ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<p>N\u1ebfu m\u1ee9c thu nh\u1eadp c\u1ee7a b\u1ea1n ch\u01b0a cao, b\u1ea1n c\u00f3 th\u1ec3 gi\u1ea3m 10 \u2013 15% cho qu\u1ef9 ti\u1ebft ki\u1ec7m. T\u00f9y thu\u1ed9c v\u00e0o nhu c\u1ea7u chi ti\u00eau m\u00e0 b\u1ea1n n\u00ean \u0111i\u1ec1u ch\u1ec9nh con s\u1ed1 n\u00e0y sao cho ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/phuong-phap-tiet-phan-bo-chi-tieu-e1576145923206.jpg\" alt=\"C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng\" title=\"\"><\/figure><\/div>\n\n\n\n<h3><span id=\"Phuong_phap_cac_phan_nua\">Ph\u01b0\u01a1ng ph\u00e1p \u201cc\u00e1c ph\u00e2n n\u1eeda\u201d<\/span><\/h3>\n\n\n\n<p>Theo ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, thu nh\u1eadp h\u00e0ng th\u00e1ng \u0111\u01b0\u1ee3c chia th\u00e0nh 2 ph\u1ea7n.<\/p>\n\n\n\n<ul><li>Ph\u1ea7n 1: Chi tr\u1ea3 cho nh\u1eefng nhu c\u1ea7u chi ti\u00eau h\u00e0ng ng\u00e0y.<\/li><li>Ph\u1ea7n 2: D\u00e0nh cho qu\u1ef9 ti\u1ebft ki\u1ec7m, qu\u1ef9 d\u1ef1 ph\u00f2ng\u2026<\/li><\/ul>\n\n\n\n<p>Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y kh\u00f4ng cho b\u1ea1n bi\u1ebft r\u00f5 t\u1ef7 l\u1ec7 ph\u00e2n b\u1ed5 cho t\u1eebng danh m\u1ee5c, m\u00e0 s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u c\u1ee7a m\u1ed7i c\u00e1 nh\u00e2n m\u00e0 s\u1ebd c\u00f3 nh\u1eefng c\u00e1ch ph\u00e2n b\u1ed5 kh\u00e1c nhau.<\/p>\n\n\n\n<h2><span id=\"2_Chi_tieu_theo_muc_do_uu_tien\">2. Chi ti\u00eau theo m\u1ee9c \u0111\u1ed9 \u01b0u ti\u00ean<\/span><\/h2>\n\n\n\n<p>\u0110\u00e2y l\u00e0 c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng hi\u1ec7u qu\u1ea3 m\u00e0 b\u1ea1n kh\u00f4ng n\u00ean b\u1ecf qua.<\/p>\n\n\n\n<p>Chi ti\u00eau theo m\u1ee9c \u0111\u1ed9 \u01b0u ti\u00ean ch\u00ednh l\u00e0 vi\u1ec7c li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 nh\u1eefng kho\u1ea3n chi ti\u00eau c\u1ea7n thi\u1ebft v\u00e0 \u01b0u ti\u00ean thanh to\u00e1n cho ch\u00fang tr\u01b0\u1edbc.<\/p>\n\n\n\n<p>Nh\u1eefng kho\u1ea3n chi \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u1ea7n thi\u1ebft l\u00e0 nh\u1eefng kho\u1ea3n n\u1ebfu kh\u00f4ng chi tr\u1ea3, b\u1ea1n s\u1ebd g\u1eb7p kh\u00f3 kh\u0103n v\u00e0 \u00e1p l\u1ef1c trong cu\u1ed9c s\u1ed1ng. Ch\u1eb3ng h\u1ea1n nh\u01b0:<\/p>\n\n\n\n<ul><li>Thu\u00ea nh\u00e0<\/li><li>\u0102n u\u1ed1ng<\/li><li>\u0110i l\u1ea1i<\/li><li>H\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc<\/li><li>S\u1ee9c kh\u1ecfe<\/li><li>Gi\u00e1o d\u1ee5c<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/uu-tien-thanh-toan-cho-khoan-chi-can-thiet-e1576146042682.jpg\" alt=\"C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng\" title=\"\"><\/figure><\/div>\n\n\n\n<h2><span id=\"3_Cap_nhat_giao_dich_chi_tieu_thuong_xuyen\">3. C\u1eadp nh\u1eadt giao d\u1ecbch chi ti\u00eau th\u01b0\u1eddng xuy\u00ean<\/span><\/h2>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng th\u00f3i quen c\u1ee7a nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng b\u1ecf qua vi\u1ec7c c\u1eadp nh\u1eadt v\u00e0 ghi ch\u00e9p chi ti\u00eau.<\/p>\n\n\n\n<p>Nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn ch\u01b0a \u00fd th\u1ee9c \u0111\u01b0\u1ee3c t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c c\u1eadp nh\u1eadt v\u00e0 ghi ch\u00e9p chi ti\u00eau th\u01b0\u1eddng xuy\u00ean.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/ghi-chep-chi-tieu-e1576146353528.jpg\" alt=\"C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng\" title=\"\"><\/figure>\n\n\n\n<h2><span id=\"4_Thiet_lap_quy_du_phong\">4. Thi\u1ebft l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng<\/span><\/h2>\n\n\n\n<p>C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng hi\u1ec7u qu\u1ea3 l\u00e0 thi\u1ebft l\u1eadp m\u1ed9t qu\u1ef9 d\u1ef1 ph\u00f2ng h\u00e0ng th\u00e1ng cho b\u1ea3n th\u00e2n. Qu\u1ef9 n\u00e0y \u0111\u01b0\u1ee3c d\u00f9ng v\u1edbi m\u1ee5c \u0111\u00edch gi\u1ea3i quy\u1ebft khi kh\u00f4ng may c\u00f3 nh\u1eefng r\u1ee7i ro x\u1ea3y ra trong cu\u1ed9c s\u1ed1ng nh\u01b0: \u1ed1m \u0111au, b\u1ec7nh t\u1eadt, xe h\u1ecfng, th\u1ea5t nghi\u1ec7p\u2026<\/p>\n\n\n\n<p>Qu\u1ef9 d\u1ef1 ph\u00f2ng ho\u00e0n to\u00e0n kh\u00e1c qu\u1ef9 ti\u1ebft ki\u1ec7m. Qu\u1ef9 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u1edbi m\u1ee5c \u0111\u00edch t\u00edch l\u0169y v\u1ed1n cho t\u01b0\u01a1ng lai \u0111\u1ec3 hi\u1ec7n th\u1ef1c h\u00f3a nh\u1eefng d\u1ef1 \u0111\u1ecbnh trong t\u01b0\u01a1ng lai nh\u01b0: du l\u1ecbch, mua nh\u00e0, mua xe, l\u1ea5y v\u1ee3, sinh con\u2026<\/p>\n\n\n\n<p>Khi ph\u00e2n b\u1ed5 ti\u1ec1n l\u01b0\u01a1ng h\u00e0ng th\u00e1ng, b\u1ea1n n\u00ean tr\u00edch m\u1ed9t ph\u1ea7n thu nh\u1eadp cho qu\u1ef9 d\u1ef1 ph\u00f2ng. C\u00f3 th\u1ec3 l\u00e0 5%, 10% ho\u1eb7c nhi\u1ec1u h\u01a1n n\u1eefa, t\u00f9y thu\u1ed9c v\u00e0o thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a m\u1ed7i ng\u01b0\u1eddi.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/thiet-lap-quy-du-phong-e1576147239627.jpg\" alt=\"C\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng\" title=\"\"><\/figure><\/div>\n\n\n\n<h2><span id=\"5_Cach_quan_ly_tai_chinh_ca_nhan_bang_6_cai_lo\">5. C\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n b\u1eb1ng 6 c\u00e1i l\u1ecd<\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/cach-quan-ly-tai-chinh-ca-nhan-bang-6-cai-lo.jpg\" alt=\"C\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n b\u1eb1ng 6 c\u00e1i l\u1ecd\" title=\"\"><\/figure><\/div>\n\n\n\n<p>B\u1ea1n bi\u1ebft ch\u01b0a? <a href=\"https:\/\/sum.vn\/blog\/quan-tri-tai-chinh-la-gi\/\">https:\/\/sum.vn\/blog\/quan-tri-tai-chinh-la-gi\/<\/a><\/p>\n\n\n\n<h2><span id=\"7_Su_dung_ung_dung_de_theo_doi_va_quan_ly_chi_tieu_hieu_qua\">7. S\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng \u0111\u1ec3 theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3<\/span><\/h2>\n\n\n\n<p>\u0110\u1ec3 c\u00f3 th\u1ec3 theo d\u00f5i chi ti\u00eau m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng nh\u1ea5t, b\u1ea1n c\u00f3 th\u1ec3 \u1ea3i nh\u1eefng \u1ee9ng theo d\u00f5i chi ti\u00eau h\u00e0ng ng\u00e0y \u0111\u1ec3 ti\u1ec7n \u00edch h\u01a1n. Sau \u0111\u00e2y <a href=\"http:\/\/sum.vn\">sum.vn <\/a>s\u1ebd g\u1ee3i \u00fd cho b\u1ea1n m\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd chi ti\u00eau h\u1ee3p l\u00fd nh\u00e9<\/p>\n\n\n\n<h3><span id=\"Spendee\">Spendee<\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/app-15638560915991598549859.jpg\" alt=\"5 \u1ee9ng d\u1ee5ng mi\u1ec5n ph\u00ed gi\u00fap qu\u1ea3n l\u00fd chi ti\u00eau - \u1ea2nh 1.\" title=\"\"><\/figure><\/div>\n\n\n\n<h3><span id=\"Mint\">Mint<\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/app2-15638559047661607201316.jpg\" alt=\"5 \u1ee9ng d\u1ee5ng mi\u1ec5n ph\u00ed gi\u00fap qu\u1ea3n l\u00fd chi ti\u00eau - \u1ea2nh 2.\" title=\"\"><\/figure><\/div>\n\n\n\n<h3><span id=\"Money_Lover\">Money Lover<\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/app4-1563855921599684659861.png\" alt=\"5 \u1ee9ng d\u1ee5ng mi\u1ec5n ph\u00ed gi\u00fap qu\u1ea3n l\u00fd chi ti\u00eau - \u1ea2nh 3.\" title=\"\"><\/figure><\/div>\n\n\n\n<h3><span id=\"HomeBudget\">HomeBudget<\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/app3-1563855946601487743614.jpg\" alt=\"5 \u1ee9ng d\u1ee5ng mi\u1ec5n ph\u00ed gi\u00fap qu\u1ea3n l\u00fd chi ti\u00eau - \u1ea2nh 4.\" title=\"\"><\/figure><\/div>\n\n\n\n<h3><span id=\"So_thu_chi_Misa\">S\u1ed5 thu chi Misa<\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/08\/app6-15638563907381656152420.png\" alt=\"5 \u1ee9ng d\u1ee5ng mi\u1ec5n ph\u00ed gi\u00fap qu\u1ea3n l\u00fd chi ti\u00eau - \u1ea2nh 5.\" title=\"\"><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-right\">My My &#8211; T\u1ed5ng h\u1ee3p v\u00e0 ch\u1ec9nh s\u1eeda<\/p>\n\n\n\n<p class=\"has-text-align-right\"><em>(Ngu\u1ed3n tham kh\u1ea3o: my.moneylover.com, vaytaichinh.vn, bsc.com.vn,vneconomy.vn,&#8230;)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nh\u1eefng c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau h\u00e0ng th\u00e1ng d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n thi\u1ebft l\u1eadp k\u1ebf ho\u1ea1ch thu \u2013 chi m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd v\u00e0 khoa h\u1ecdc d\u1ef1a tr\u00ean m\u1ee9c thu nh\u1eadp. C\u00f9ng t\u00ecm hi\u1ec3u c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 ngay n\u00e0o M\u1ee5c l\u1ee5c1 1. Ph\u00e2n b\u1ed5 chi ti\u00eau1.1 Ph\u01b0\u01a1ng ph\u00e1p 60\/10\/10\/10\/10 &#8211; [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4734,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1164,2071,1975],"tags":[2615,2621,2620,2622,2619,2618,2617,2616],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/4733"}],"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\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/comments?post=4733"}],"version-history":[{"count":0,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/4733\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/media\/4734"}],"wp:attachment":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/media?parent=4733"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/categories?post=4733"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/tags?post=4733"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}