{"id":5033,"date":"2020-10-17T20:49:00","date_gmt":"2020-10-17T13:49:00","guid":{"rendered":"https:\/\/sum.vn\/blog\/?p=5033"},"modified":"2021-10-09T09:46:05","modified_gmt":"2021-10-09T02:46:05","slug":"phan-mem-quan-ly-tai-chinh-ca-nhan","status":"publish","type":"post","link":"https:\/\/sum.vn\/blog\/phan-mem-quan-ly-tai-chinh-ca-nhan\/","title":{"rendered":"Nh\u01b0 th\u1ebf n\u00e0o l\u00e0 ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3?"},"content":{"rendered":"<p>L\u00e0m sao \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 l\u00e0 v\u1ea5n \u0111\u1ec1 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi r\u1ea5t \u0111au \u0111\u1ea7u. B\u1ea1n \u0111\u00e3 t\u1eebng s\u1eed d\u1ee5ng qua <strong>ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong> ch\u01b0a? N\u1ebfu ch\u01b0a th\u00ec h\u00e3y tham kh\u1ea3o ngay b\u00e0i vi\u1ebft b\u00ean d\u01b0\u1edbi c\u1ee7a sum.vn \u0111\u1ec3 l\u1ef1a ch\u1ecdn cho m\u00ecnh m\u1ed9t <strong>ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3<\/strong> nh\u00e9.<\/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=\"#Ich_loicuaung_dungquan_ly_chi_tieu_ca_nhan\"><span class=\"toc_number toc_depth_1\">1<\/span> \u00cdch l\u1ee3i\u00a0c\u1ee7a\u00a0\u1ee9ng d\u1ee5ng\u00a0qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n<\/a><\/li><li><a href=\"#Ky_nang_quan_ly_taichinhca_nhan_cocan_thietkhong\"><span class=\"toc_number toc_depth_1\">2<\/span> K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i\u00a0ch\u00ednh\u00a0c\u00e1 nh\u00e2n c\u00f3\u00a0c\u1ea7n thi\u1ebft\u00a0kh\u00f4ng?<\/a><\/li><li><a href=\"#Nhungphan_memquan_ly_taichinhca_nhanhieu_qua\"><span class=\"toc_number toc_depth_1\">3<\/span> Nh\u1eefng\u00a0ph\u1ea7n m\u1ec1m\u00a0qu\u1ea3n l\u00fd t\u00e0i\u00a0ch\u00ednh\u00a0c\u00e1 nh\u00e2n\u00a0hi\u1ec7u qu\u1ea3<\/a><ul><li><a href=\"#Ung_dungMoney_Lover\"><span class=\"toc_number toc_depth_2\">3.1<\/span> \u1ee8ng d\u1ee5ng\u00a0Money Lover<\/a><\/li><li><a href=\"#Phan_memHomeBudget\"><span class=\"toc_number toc_depth_2\">3.2<\/span> Ph\u1ea7n m\u1ec1m\u00a0HomeBudget<\/a><\/li><li><a href=\"#HouseholdaccountBook\"><span class=\"toc_number toc_depth_2\">3.3<\/span> Household\u00a0account\u00a0Book<\/a><\/li><li><a href=\"#PocketGuard\"><span class=\"toc_number toc_depth_2\">3.4<\/span> PocketGuard<\/a><\/li><\/ul><\/li><\/ul><\/div>\n<h2><span id=\"Ich_loicuaung_dungquan_ly_chi_tieu_ca_nhan\"><span class=\"marker\">\u00cdch l\u1ee3i<\/span>\u00a0c\u1ee7a\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n<\/span><\/h2>\n<p dir=\"ltr\"><em><span class=\"marker\">Ph\u1ea7n m\u1ec1m<\/span>\u00a0qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n\u00a0<span class=\"marker\">online<\/span>\u00a0l\u00e0\u00a0<span class=\"marker\">b\u00ed quy\u1ebft<\/span>\u00a0m\u00e0\u00a0<span class=\"marker\">nhi\u1ec1u ng\u01b0\u1eddi<\/span>\u00a0hay\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0nh\u1ea5t\u00a0<span class=\"marker\">hi\u1ec7n nay<\/span>. B\u1edfi qu\u1ea3n l\u00fd thu nh\u1eadp c\u00e1 nh\u00e2n\u00a0<span class=\"marker\">h\u1ed7 tr\u1ee3 b\u1ea1n<\/span>\u00a0c\u00e2n b\u1eb1ng gi\u1eefa\u00a0<span class=\"marker\">chi ph\u00ed<\/span>\u00a0ti\u00eau h\u00e0ng th\u00e1ng v\u00e0 thu nh\u1eadp. Vi\u1ec7c qu\u1ea3n l\u00fd tr\u00ean\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0chi ti\u00eau c\u00e1 nh\u00e2n\u00a0<span class=\"marker\">gi\u00fap b\u1ea1n<\/span>\u00a0<span class=\"marker\">gi\u1ea3n \u0111\u01a1n<\/span>\u00a0\u0111\u1ed1i chi\u1ebfu\u00a0<span class=\"marker\">xem<\/span>\u00a0m\u00ecnh \u0111\u00e3 ti\u00eau v\u00e0o c\u00e1i g\u00ec? T\u1eeb\u00a0<span class=\"marker\">\u0111\u00f3<\/span>\u00a0gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c m\u1ee9c chi ti\u00eau\u00a0<span class=\"marker\">th\u1eadt s\u1ef1<\/span>\u00a0<span class=\"marker\">thi\u1ebft y\u1ebfu<\/span>.<\/em><\/p>\n<p>\u0110\u1ec3 vi\u1ec7c qu\u1ea3n l\u00fd thu chi\u00a0<span class=\"marker\">tr\u1edf n\u00ean<\/span>\u00a0<span class=\"marker\">d\u1ec5 d\u00e0ng h\u01a1n<\/span>,\u00a0<span class=\"marker\">ng\u00e0y nay<\/span>\u00a0ng\u01b0\u1eddi ta \u0111\u00e3\u00a0<span class=\"marker\">s\u1ea3n sinh ra<\/span>\u00a0nhi\u1ec1u\u00a0<span class=\"marker\">\u00e1p d\u1ee5ng<\/span>\u00a0qu\u1ea3n l\u00fd ti\u1ec1n b\u1eb1ng c\u00e1c\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0<span class=\"marker\">s\u00e1ng t\u1ea1o<\/span>\u00a0c\u00f3 app tr\u00ean \u0111i\u1ec7n tho\u1ea1i v\u00e0 m\u00e1y t\u00ednh. B\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0di chuy\u1ec3n b\u1ea5t k\u1ef3 n\u01a1i \u0111\u00e2u c\u0169ng\u00a0<span class=\"marker\">c\u00f3 kh\u1ea3 n\u0103ng<\/span>\u00a0<span class=\"marker\">thay \u0111\u1ed5i<\/span>, theo d\u00f5i\u00a0<span class=\"marker\">n\u1ed9i dung<\/span>\u00a0v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/09\/pha15868465652611.jpg\" alt=\"Ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n\" title=\"\"><\/p>\n<ul>\n<li>\n<p dir=\"ltr\"><span class=\"marker\">Ph\u1ea7n m\u1ec1m<\/span>\u00a0qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0c\u00e1 nh\u00e2n\u00a0<span class=\"marker\">gi\u00fap b\u1ea1n<\/span>\u00a0<span class=\"marker\">ghi nh\u1eadn<\/span>\u00a0thu chi c\u00e1c kho\u1ea3n sinh ho\u1ea1t c\u00e1 nh\u00e2n\/gia \u0111\u00ecnh, theo d\u00f5i lu\u1ed3ng ti\u1ec1n v\u00e0o ra \u1edf v\u00ed\/\u00a0<span class=\"marker\">account<\/span>.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Giups b\u1ea1n\u00a0<span class=\"marker\">\u0111o \u0111\u1ea1t<\/span>\u00a0<span class=\"marker\">\u0111\u00e1nh gi\u00e1<\/span>\u00a0c\u00e1c kho\u1ea3n thu chi\u00a0<span class=\"marker\">h\u00e0ng ng\u00e0y<\/span>.\u00a0<span class=\"marker\">m\u1ed7i tu\u1ea7n<\/span>\u00a0, h\u00e0ng th\u00e1ng. Qu\u00fd \u0111\u1ec3 c\u00e2n \u0111\u1ed1i l\u1ea1i m\u1ee9c ti\u00eau ti\u1ec1n\u00a0<span class=\"marker\">h\u1ee3p l\u00fd<\/span>..<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\"><span class=\"marker\">\u1ee8ng d\u1ee5ng<\/span>\u00a0<span class=\"marker\">d\u1ec5 s\u1eed d\u1ee5ng<\/span>\u00a0<span class=\"marker\">c\u00f3 kh\u1ea3 n\u0103ng<\/span>\u00a0<span class=\"marker\">thay \u0111\u1ed5i<\/span>\u00a0thu\/ chi v\u00e0\u00a0<span class=\"marker\">ghi ch\u00e9p<\/span>\u00a0l\u1ea1i ng\u00e0y m\u00e1y t\u00ednh, hay \u0111i\u1ec7n tho\u1ea1i theo \u00fd b\u1ea1n\u00a0<span class=\"marker\">mu\u1ed1n<\/span>.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\"><span class=\"marker\">\u1ee8ng d\u1ee5ng<\/span>\u00a0qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n c\u0169ng\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">ki\u1ec3m so\u00e1t<\/span>\u00a0l\u01b0\u1ee3ng\u00a0<span class=\"marker\">chi ph\u00ed<\/span>\u00a0v\u00e0\u00a0<span class=\"marker\">c\u00f3 quy tr\u00ecnh<\/span>\u00a0chi ti\u00eau cho nh\u1eefng chuy\u1ebfn \u0111i\/s\u1ef1 ki\u1ec7n\u00a0<span class=\"marker\">t\u01b0\u01a1ng t\u1ef1<\/span>\u00a0trong t\u01b0\u01a1ng lai \u0111\u1ec3 b\u1ea1n c\u00f3\u00a0<span class=\"marker\">k\u1ebf ho\u1ea1ch<\/span>\u00a0chi ti\u00eau cho hi\u1ec7n t\u1ea1i.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\"><span class=\"marker\">Th\u1ed1ng k\u00ea<\/span>\u00a0c\u00e1c kho\u1ea3n tr\u00edch ra\u00a0<span class=\"marker\">chi\u1ec1u l\u00f2ng<\/span>\u00a0\u0111i s\u1ef1 ki\u1ec7n, vui ch\u01a1i du l\u1ecbch. L\u1eadp\u00a0<span class=\"marker\">chi\u1ebfn l\u01b0\u1ee3c<\/span>\u00a0h\u01b0\u1edfng th\u1ee5 s\u1ed1 ti\u1ec1n \u1edf m\u1ee9c cho ph\u00e9p.<\/p>\n<\/li>\n<li><span class=\"marker\">Ph\u1ea7n m\u1ec1m<\/span>\u00a0ho\u1eb7c to\u00e1n chi ti\u00eau\u00a0<span class=\"marker\">r\u00f5 r\u00e0ng<\/span>\u00a0<span class=\"marker\">n\u00ean<\/span>\u00a0b\u1ea1n\u00a0<span class=\"marker\">c\u00f3 kh\u1ea3 n\u0103ng<\/span>\u00a0<span class=\"marker\">d\u1ec5 ch\u1ecbu<\/span>\u00a0\u01b0\u1edbc l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c m\u1ee9c chi ti\u00eau\u00a0<span class=\"marker\">d\u00f9ng cho<\/span>\u00a0t\u1eebng\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0c\u00e1 nh\u00e2n, gia \u0111\u00ecnh nh\u01b0 \u0111i du l\u1ecbch,\u00a0<span class=\"marker\">gi\u1ea3i tr\u00ed<\/span>,\u00a0<span class=\"marker\">d\u00e0nh cho<\/span>\u00a0h\u1ecdc t\u1eadp, thu chi gia sinh ho\u1ea1t gia \u0111\u00ecnh, s\u1ef1 ki\u1ec7n v\u00e0 ti\u1ebft ki\u1ec7m ti\u1ec1n cho t\u01b0\u01a1ng lai.<\/li>\n<li>\n<p dir=\"ltr\"><span class=\"marker\">Th\u1ed1ng k\u00ea<\/span>\u00a0c\u00e1c kho\u1ea3n\u00a0<span class=\"marker\">ghi ch\u00e9p<\/span>\u00a0v\u00e0 b\u00e1o c\u00e1o t\u00ecnh h\u00ecnh vay n\u1ee3\u00a0<span class=\"marker\">\u0111\u1ec3 s\u1edf h\u1eefu<\/span>\u00a0<span class=\"marker\">k\u1ebf ho\u1ea1ch<\/span>\u00a0<span class=\"marker\">chi ti\u1ebft<\/span><\/p>\n<\/li>\n<\/ul>\n<h2><span id=\"Ky_nang_quan_ly_taichinhca_nhan_cocan_thietkhong\">K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0c\u00e1 nh\u00e2n c\u00f3\u00a0<span class=\"marker\">c\u1ea7n thi\u1ebft<\/span>\u00a0kh\u00f4ng?<\/span><\/h2>\n<p><span class=\"marker\">Nh\u1eafc \u0111\u1ebfn<\/span>\u00a0chuy\u1ec7n qu\u1ea3n l\u00fd\u00a0<span class=\"marker\">ti\u1ec1n b\u1ea1c<\/span>\u00a0<span class=\"marker\">e l\u00e0<\/span>\u00a0m\u1ed9t\u00a0<span class=\"marker\">n\u1ed7i lo<\/span>\u00a0\u0111au \u0111\u1ea7u \u0111\u1ed1i v\u1edbi\u00a0<span class=\"marker\">nhi\u1ec1u ng\u01b0\u1eddi<\/span>. Ai c\u0169ng\u00a0<span class=\"marker\">mong mu\u1ed1n<\/span>\u00a0\u0111\u01b0\u1ee3c t\u1ef1 do mua b\u1ea5t c\u1ee9 m\u00f3n \u0111\u1ed3 m\u00ecnh\u00a0<span class=\"marker\">ham th\u00edch<\/span>\u00a0ho\u1eb7c \u0111i \u0111\u1ebfn c\u00e1c \u0111\u1ecba \u0111i\u1ec3m\u00a0<span class=\"marker\">y\u00eau th\u00edch<\/span>\u00a0c\u1ee7a m\u00ecnh m\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u1eafn \u0111o\u00a0<span class=\"marker\">suy x\u00e9t<\/span>\u00a0<span class=\"marker\">xem<\/span>\u00a0cu\u1ed1i th\u00e1ng m\u00ecnh c\u00f2n \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 chi tr\u1ea3 vi\u1ec7c \u0103n u\u1ed1ng, \u0111i l\u1ea1i hay kh\u00f4ng.<\/p>\n<p>\u0110i\u1ec1u c\u1ed1t l\u00f5i c\u1ee7a vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0l\u00e0\u00a0<span class=\"marker\">hi\u1ec3u s\u00e2u<\/span>\u00a0<span class=\"marker\">chi ph\u00ed<\/span>\u00a0ti\u00eau\u00a0<span class=\"marker\">c\u1ee7a b\u1ea3n th\u00e2n<\/span>. S\u1ed1 ti\u1ec1n h\u00e0ng th\u00e1ng \u0111i v\u00e0o, \u0111i ra\u00a0<span class=\"marker\">ra sao<\/span>\u00a0v\u00e0\u00a0<span class=\"marker\">\u0111\u1eb7c bi\u1ec7t<\/span>\u00a0h\u01a1n,\u00a0<span class=\"marker\">n\u00ean s\u1edf h\u1eefu<\/span>\u00a0m\u1ed9t ph\u1ea7n \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i cho nh\u1eefng d\u1ef1 \u0111\u1ecbnh l\u1edbn ho\u1eb7c ch\u00ed \u00edt l\u00e0 \u0111\u1ec3\u00a0<span class=\"marker\">d\u00f9ng cho<\/span>\u00a0nh\u1eefng\u00a0<span class=\"marker\">ho\u00e0n c\u1ea3nh<\/span>\u00a0kh\u1ea9n c\u1ea5p. C\u00e1c\u00a0<span class=\"marker\">ti\u1ec1n b\u1ea1c<\/span>\u00a0<span class=\"marker\">s\u1ebd \u0111\u01b0\u1ee3c<\/span>\u00a0chia th\u00e0nh nhi\u1ec1u m\u1ee5c\u00a0<span class=\"marker\">kh\u00e1c nhau<\/span>\u00a0nh\u01b0 sau:<\/p>\n<ul>\n<li><span class=\"marker\">Chi ph\u00ed<\/span>\u00a0c\u1ed1 \u0111\u1ecbnh\n<ul>\n<li>Chi tr\u1ea3 h\u00f3a \u0111\u01a1n (ti\u1ec1n nh\u00e0, \u0111i\u1ec7n, n\u01b0\u1edbc, wifi\u2026)<\/li>\n<li>Sinh ho\u1ea1t ph\u00ed (\u0111\u1ed3 \u0103n, n\u01b0\u1edbc u\u1ed1ng, v\u1eadt d\u1ee5ng nh\u00e0 t\u1eafm, nh\u00e0 b\u1ebfp\u2026)<\/li>\n<li><span class=\"marker\">Ti\u1ec1n c\u1ee7a<\/span>\u00a0\u0111i l\u1ea1i (x\u0103ng d\u1ea7u, ph\u01b0\u01a1ng ti\u1ec7n c\u00f4ng c\u1ed9ng, taxi ho\u1eb7c xe \u00f4m&#8230;)<\/li>\n<li><span class=\"marker\">M\u1eb7t h\u00e0ng<\/span>\u00a0t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0(b\u1ea3o hi\u1ec3m,\u00a0<span class=\"marker\">g\u1edfi<\/span>\u00a0ti\u1ebft ki\u1ec7m\u2026)<\/li>\n<\/ul>\n<\/li>\n<li><span class=\"marker\">Ti\u1ec1n b\u1ea1c<\/span>\u00a0ph\u00e1t sinh\n<ul>\n<li><span class=\"marker\">dD\u00f9ng cho<\/span>\u00a0gia \u0111\u00ecnh v\u00e0\u00a0<span class=\"marker\">nh\u1eefng ng\u01b0\u1eddi b\u1ea1n<\/span>\u00a0(qu\u00e0 t\u1eb7ng, th\u0103m vi\u1ebfng&#8230;)<\/li>\n<li><span class=\"marker\">Gi\u1ea3i tr\u00ed<\/span>\u00a0(ng\u00e0y l\u1ec5, th\u1ec3 thao, nh\u00e0 h\u00e0ng\u2026)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span id=\"Nhungphan_memquan_ly_taichinhca_nhanhieu_qua\">Nh\u1eefng\u00a0<span class=\"marker\">ph\u1ea7n m\u1ec1m<\/span>\u00a0qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0c\u00e1 nh\u00e2n\u00a0<span class=\"marker\">hi\u1ec7u qu\u1ea3<\/span><\/span><\/h2>\n<h3><span id=\"Ung_dungMoney_Lover\"><span class=\"marker\">\u1ee8ng d\u1ee5ng<\/span>\u00a0Money Lover<\/span><\/h3>\n<p>Money Lover l\u00e0 m\u1ed9t\u00a0<span class=\"marker\">\u00e1p d\u1ee5ng<\/span>\u00a0<span class=\"marker\">s\u00e1ng t\u1ea1o<\/span>\u00a0v\u00e0\u00a0<span class=\"marker\">d\u1ec5 d\u00e0ng s\u1eed d\u1ee5ng<\/span>\u00a0cho\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0n\u00e0y hi\u1ec7n \u0111ang\u00a0<span class=\"marker\">c\u1ef1c k\u00ec<\/span>\u00a0th\u1ecbnh h\u00e0nh t\u1ea1i\u00a0<span class=\"marker\">n\u01b0\u1edbc ta<\/span>.<\/p>\n<p>Money Lover\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0qu\u1ea3n l\u00fd,\u00a0<span class=\"marker\">chia lo\u1ea1i<\/span>\u00a0c\u00e1c kho\u1ea3n thu chi, t\u1ea1o l\u1eadp\u00a0<span class=\"marker\">chi\u1ebfn l\u01b0\u1ee3c<\/span>\u00a0t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0trong t\u01b0\u01a1ng lai v\u00e0\u00a0<span class=\"marker\">c\u00f3 kh\u1ea3 n\u0103ng<\/span>\u00a0<span class=\"marker\">t\u01b0\u01a1ng th\u00edch<\/span>\u00a0v\u1edbi\u00a0<span class=\"marker\">h\u1ea7u h\u1ebft<\/span>\u00a0<span class=\"marker\">t\u1ea5t c\u1ea3<\/span>\u00a0c\u00e1c thi\u1ebft b\u1ecb \u0111i\u1ec7n tho\u1ea1i, m\u00e1y t\u00ednh,\u00a0<span class=\"marker\">website<\/span>\u00a0tr\u00ean n\u1ec1n t\u1ea3ng Windows, android, IOS&#8230;<\/p>\n<p><span class=\"marker\">C\u0169ng gi\u1ed1ng nh\u01b0<\/span>\u00a0Misa, Money Lover\u00a0<span class=\"marker\">gi\u00fap b\u1ea1n<\/span>\u00a0qu\u1ea3n l\u00fd,\u00a0<span class=\"marker\">ghi ch\u00e9p<\/span>\u00a0c\u00e1c kho\u1ea3n thu chi tr\u1edf l\u00ean\u00a0<span class=\"marker\">d\u1ec5 d\u00e0ng<\/span>. B\u1ea1n ho\u00e0n to\u00e0n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">ki\u1ec3m so\u00e1t<\/span>\u00a0\u0111\u01b0\u1ee3c c\u00e1c\u00a0<span class=\"marker\">kho\u1ea3n chi<\/span>\u00a0ti\u00eau\u00a0<span class=\"marker\">b\u1eb1ng c\u00e1ch<\/span>\u00a0t\u1ea1o m\u1ed9t ng\u00e2n s\u00e1ch chi ti\u00eau trong m\u1ed9t kho\u1ea3ng th\u1eddi gian\u00a0<span class=\"marker\">ch\u1eafc ch\u1eafn<\/span>.<\/p>\n<p>Qua\u00a0<span class=\"marker\">\u0111\u1ea5y<\/span>\u00a0Money Lover s\u1ebd\u00a0<span class=\"marker\">th\u01b0\u1eddng xuy\u00ean<\/span>\u00a0nh\u1eafc nh\u1edf b\u1ea1n v\u1ec1 ti\u1ebfn \u0111\u1ed9 chi ti\u00eau. V<span class=\"marker\">i\u1ec7c l\u00e0m n\u00e0y<\/span>\u00a0<span class=\"marker\">c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n<\/span>\u00a0ti\u1ebft ki\u1ec7m cho c\u00e1c d\u1ef1 \u0111\u1ecbnh trong t\u01b0\u01a1ng lai,\u00a0<span class=\"marker\">mau ch\u00f3ng<\/span>\u00a0<span class=\"marker\">\u0111\u1ea1t \u0111\u01b0\u1ee3c<\/span>\u00a0<span class=\"marker\">m\u1ee5c ti\u00eau<\/span>\u00a0t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0m\u00e0 b\u1ea1n\u00a0<span class=\"marker\">\u0111\u1ec1 ra<\/span>.<\/p>\n<p><span class=\"marker\">B\u00ean c\u1ea1nh \u0111\u00f3<\/span>\u00a0b\u1ea1n c\u0169ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng bi\u1ec3u \u0111\u1ed3 b\u00e1o c\u00e1o v\u1ec1 t\u1eebng kho\u1ea3n thay v\u00ec c\u00e1c b\u00e1o c\u00e1o\u00a0<span class=\"marker\">d\u00e0i d\u00f2ng<\/span>\u00a0b\u1eb1ng ch\u1eef. V<span class=\"marker\">i\u1ec7c l\u00e0m n\u00e0y<\/span>\u00a0<span class=\"marker\">h\u1ed7 tr\u1ee3 b\u1ea1n<\/span>\u00a0th\u1ea5y r\u00f5 nh\u1ea5t v\u00e0\u00a0<span class=\"marker\">gi\u1eef \u0111\u01b0\u1ee3c<\/span>\u00a0c\u00e1c\u00a0<span class=\"marker\">kho\u1ea3n chi<\/span>\u00a0trong t\u1ea7m\u00a0<span class=\"marker\">ki\u1ec3m so\u00e1t<\/span>.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/09\/Cong-cu-quan-ly-tai-chinh-ca-nhan-online-thong-minh-Money-Lover.png\" alt=\"C\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n online th\u00f4ng minh Money Lover\" title=\"\"><\/p>\n<h3><span id=\"Phan_memHomeBudget\"><span class=\"marker\">Ph\u1ea7n m\u1ec1m<\/span>\u00a0HomeBudget<\/span><\/h3>\n<p>\u0110\u00e2y\u00a0<span class=\"marker\">l\u00e0 ph\u1ea7n m\u1ec1m<\/span>\u00a0qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u1ee7 \u0111\u1ea1o<\/span>\u00a0c\u00e1 nh\u00e2n\u00a0<span class=\"marker\">mi\u1ec5n ph\u00ed<\/span>,\u00a0<span class=\"marker\">gi\u00fap b\u1ea1n<\/span>\u00a0l\u1eadp\u00a0<span class=\"marker\">k\u1ebf ho\u1ea1ch<\/span>\u00a0t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0theo \u0111a n\u1ec1n t\u1ea3ng\u00a0<span class=\"marker\">hi\u1ec7u qu\u1ea3 nh\u1ea5t<\/span>. P<span class=\"marker\">h\u1ea7n m\u1ec1m<\/span>\u00a0<span class=\"marker\">h\u1ed7 tr\u1ee3<\/span>\u00a0theo d\u00f5i\u00a0<span class=\"marker\">chi ph\u00ed<\/span>, thu nh\u1eadp, chi ti\u00eau, h\u00f3a \u0111\u01a1n, s\u1ed1 d\u01b0\u00a0<span class=\"marker\">account<\/span>. B\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0t\u1ef1 \u0111\u1ed9ng\u00a0<span class=\"marker\">c\u00e0i \u0111\u1eb7t<\/span>\u00a0qu\u1ea3n l\u00fd c\u00e1c\u00a0<span class=\"marker\">ti\u1ec1n b\u1ea1c<\/span>\u00a0<span class=\"marker\">trong m\u1ed9t kho\u1ea3ng th\u1eddi gian c\u1ed1 \u0111\u1ecbnh<\/span>\u00a0<span class=\"marker\">m\u1ed7i tu\u1ea7n<\/span>, h\u00e0ng th\u00e1ng.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai b\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0ch\u1ee5p v\u00e0 g\u1eafn h\u00ecnh \u1ea3nh v\u00e0o\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>,\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0s\u1ebd\u00a0<span class=\"marker\">ghi l\u1ea1i v\u00e0 x\u00e1c nh\u1eadn<\/span>\u00a0v\u00e0 t\u1ef1 \u0111\u1ed9ng\u00a0<span class=\"marker\">ghi nh\u1eadn<\/span>\u00a0c\u00e1c kho\u1ea3n thu chi c\u1ee7a b\u1ea1n.<\/p>\n<p>HomeBudget s\u1ebd\u00a0<span class=\"marker\">\u0111\u01b0a ra<\/span>\u00a0nh\u1eefng bi\u1ec3u \u0111\u1ed3 t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0\u0111\u1ec3 b\u1ea1n\u00a0<span class=\"marker\">gi\u1ea3n \u0111\u01a1n<\/span>\u00a0<span class=\"marker\">ph\u00e1t hi\u1ec7n ra<\/span>\u00a0t\u00ecnh h\u00ecnh chi ti\u00eau c\u1ee7a m\u00ecnh. Theo\u00a0<span class=\"marker\">\u0111\u1ea5y<\/span>,\u00a0<span class=\"marker\">to\u00e0n b\u1ed9<\/span>\u00a0c\u00e1c\u00a0<span class=\"marker\">ti\u1ec1n b\u1ea1c<\/span>\u00a0chi ti\u00eau c\u1ee7a b\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c<\/span>\u00a0<span class=\"marker\">\u0111o \u0111\u1ea1t<\/span>\u00a0v\u00e0 hi\u1ec3n th\u1ecb theo bi\u1ec3u \u0111\u1ed3\u00a0<span class=\"marker\">m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng<\/span>\u00a0nh\u1ea5t.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/sum.vn\/blog\/wp-content\/uploads\/2020\/09\/Giao-dien-HomeBudget.png\" alt=\"Giao di\u1ec7n HomeBudget\" title=\"\"><\/p>\n<p><span class=\"marker\">B\u00ean c\u1ea1nh \u0111\u00f3<\/span>, v\u1edbi Homebudget b\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0theo\u00a0<span class=\"marker\">nh\u00f3m<\/span>, gia \u0111\u00ecnh. \u1ee8<span class=\"marker\">ng d\u1ee5ng<\/span>\u00a0s\u1ebd t\u00edch h\u1ee3p c\u00e1c kho\u1ea3n thu chi c\u1ee7a m\u1ed9t\u00a0<span class=\"marker\">nh\u00f3m<\/span>\u00a0nh\u01b0 m\u1ed9t t\u1edd h\u00f3a \u0111\u01a1n v\u00e0\u00a0<span class=\"marker\">ph\u00e2n t\u00edch<\/span>\u00a0t\u1eebng\u00a0<span class=\"marker\">\u0111\u1ed1i t\u01b0\u1ee3ng m\u1ee5c ti\u00eau<\/span>\u00a0thu chi, t\u00ednh ra s\u1ed1 d\u01b0 cu\u1ed1i c\u00f9ng c\u1ee7a qu\u1ef9\u00a0<span class=\"marker\">nh\u00f3m<\/span>\u00a0c\u00f2n bao nhi\u00eau.<\/p>\n<p><span class=\"marker\">\u0110\u1eb7c bi\u1ec7t<\/span>\u00a0h\u01a1n, t\u1eeb nh\u1eefng chi ti\u00eau\u00a0<span class=\"marker\">tr\u01b0\u1edbc \u0111\u00f3<\/span>, HomeBudget c\u00f2n c\u00f3\u00a0<span class=\"marker\">ch\u1ee9c n\u0103ng<\/span>\u00a0<span class=\"marker\">d\u1ef1 b\u00e1o<\/span>\u00a0(Forecast)\u00a0<span class=\"marker\">h\u1ed7 tr\u1ee3 b\u1ea1n<\/span>\u00a0bi\u1ebft v\u1edbi m\u1ee9c ti\u00eau x\u00e0i nh\u01b0 th\u1ebf b\u1ea1n s\u1ebd c\u00f2n l\u1ea1i bao nhi\u00eau trong\u00a0<span class=\"marker\">t\u00e0i kho\u1ea3n<\/span>.\u00a0<span class=\"marker\">b\u00e0i b\u1ea3n<\/span>\u00a0<span class=\"marker\">\u0111\u00e2y ch\u00ednh l\u00e0<\/span>\u00a0<span class=\"marker\">v\u1ea5n \u0111\u1ec1 m\u00e0<\/span>\u00a0<span class=\"marker\">r\u1ea5t<\/span>\u00a0<span class=\"marker\">nhi\u1ec1u ng\u01b0\u1eddi<\/span>\u00a0c\u1ea7n khi h\u1ecdc\u00a0<span class=\"marker\">c\u00e1ch qu\u1ea3n tr\u1ecb<\/span>\u00a0t\u00e0i\u00a0<span class=\"marker\">ch\u1ee7 \u0111\u1ea1o<\/span>\u00a0c\u00e1 nh\u00e2n.<\/p>\n<h3><span id=\"HouseholdaccountBook\">Household\u00a0<span class=\"marker\">account<\/span>\u00a0Book<\/span><\/h3>\n<p><span class=\"marker\">\u0110\u00e2y l\u00e0<\/span>\u00a0<span class=\"marker\">\u00e1p d\u1ee5ng<\/span>\u00a0c\u1ef1c d\u1ec5 th\u01b0\u01a1ng\u00a0<span class=\"marker\">d\u00e0nh ri\u00eang cho<\/span>\u00a0c\u00e1c ch\u1ecb em,\u00a0<span class=\"marker\">gi\u00fap t\u1ea1o<\/span>\u00a0h\u1ee9ng th\u00fa cho\u00a0<span class=\"marker\">ho\u1ea1t \u0111\u1ed9ng<\/span>\u00a0qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0c\u1ee7a m\u00ecnh. \u00c1<span class=\"marker\">p d\u1ee5ng<\/span>\u00a0<span class=\"marker\">s\u1ebd gi\u00fap b\u1ea1n<\/span>\u00a0lu\u00f4n\u00a0<span class=\"marker\">n\u1eafm r\u00f5<\/span>\u00a0t\u00ecnh h\u00ecnh chi ti\u00eau t\u00e0i\u00a0<span class=\"marker\">ch\u1ee7 \u0111\u1ea1o<\/span>\u00a0<span class=\"marker\">c\u1ee7a ch\u00ednh m\u00ecnh<\/span>\u00a0v\u00e0 c\u1ea3\u00a0<span class=\"marker\">chi\u1ebfn l\u01b0\u1ee3c<\/span> ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai.<\/p>\n<p><span class=\"marker\">C\u0169ng gi\u1ed1ng nh\u01b0<\/span>\u00a0nhi\u1ec1u\u00a0<span class=\"marker\">\u00e1p d\u1ee5ng<\/span>\u00a0kh\u00e1c, Household\u00a0<span class=\"marker\">account<\/span>\u00a0Book\u00a0<span class=\"marker\">c\u00f3 \u0111\u1ea7y<\/span>\u00a0\u0111\u1ee7\u00a0<span class=\"marker\">c\u00f4ng d\u1ee5ng<\/span>. N<span class=\"marker\">go\u00e0i ra<\/span>, n\u00f3 c\u00f2n\u00a0<span class=\"marker\">\u0111\u01b0\u1ee3c cho l\u00e0<\/span>\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0<span class=\"marker\">ti\u1ec7n d\u1ee5ng<\/span>\u00a0v\u00e0 c\u1eadp nh\u1eadt. Ti\u00eau bi\u1ec3u,\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0<span class=\"marker\">gi\u00fap b\u1ea1n<\/span>\u00a0qu\u1ea3n l\u00fd nh\u1eefng kho\u1ea3n ti\u1ec1n c\u00e1 nh\u00e2n v\u00e0 b\u1ea1n\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0t\u1ea1o nhi\u1ec1u\u00a0<span class=\"marker\">account<\/span>\u00a0t\u00e0i\u00a0<span class=\"marker\">ch\u1ee7 \u0111\u1ea1o<\/span>\u00a0<span class=\"marker\">kh\u00e1c nhau<\/span>\u00a0\u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n m\u1ed9t\u00a0<span class=\"marker\">b\u00ed quy\u1ebft<\/span>\u00a0tri\u1ec7t \u0111\u1ec3 nh\u1ea5t. \u00c1<span class=\"marker\">p d\u1ee5ng<\/span>\u00a0n\u00e0y c\u0169ng s\u1ebd\u00a0<span class=\"marker\">l\u01b0u t\u00e2m<\/span>\u00a0c\u00e1c\u00a0<span class=\"marker\">chi ph\u00ed<\/span>\u00a0c\u1ee7a c\u00e1c ng\u00e0y v\u00e0\u00a0<span class=\"marker\">h\u1ed7 tr\u1ee3 b\u1ea1n<\/span>\u00a0<span class=\"marker\">\u0111o \u0111\u1ea1t<\/span>\u00a0t\u00ecnh h\u00ecnh t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0v\u00e0 s\u1ed1 d\u01b0\u00a0<span class=\"marker\">nhanh ch\u00f3ng<\/span>\u00a0nh\u1ea5t.<\/p>\n<h3><span id=\"PocketGuard\">PocketGuard<\/span><\/h3>\n<p>\u0110\u01b0\u1ee3c h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi\u00a0<span class=\"marker\">tr\u00ean th\u1ebf gi\u1edbi<\/span>\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0v\u1edbi\u00a0<span class=\"marker\">\u0111\u00e1nh gi\u00e1<\/span>\u00a0chung 4.7\/5 sao c\u1ee7a appstore, PocketGuard\u00a0<span class=\"marker\">b\u1ed5 sung<\/span>\u00a0n\u1ec1n t\u1ea3ng qu\u1ea3n l\u00fd t\u00e0i\u00a0<span class=\"marker\">ch\u00ednh<\/span>\u00a0<span class=\"marker\">s\u00e1ng t\u1ea1o<\/span>\u00a0th\u00f4ng qua c\u00e1c\u00a0<span class=\"marker\">ph\u00e2n t\u00edch<\/span>\u00a0s\u1ed1 li\u1ec7u\u00a0<span class=\"marker\">nhanh ch\u00f3ng<\/span>,\u00a0<span class=\"marker\">th\u1ef1c h\u00e0nh c\u00e1c b\u01b0\u1edbc<\/span>\u00a0<span class=\"marker\">d\u00f9ng<\/span>\u00a0<span class=\"marker\">d\u1ec5 d\u00e0ng<\/span>. \u0110i\u1ec3m tr\u1eeb c\u1ee7a\u00a0<span class=\"marker\">\u1ee9ng d\u1ee5ng<\/span>\u00a0n\u00e0y l\u00e0 ch\u01b0a\u00a0<span class=\"marker\">cung c\u1ea5p<\/span>\u00a0ng\u00f4n ng\u1eef ti\u1ebfng Vi\u1ec7t. \u0110<span class=\"marker\">\u1eb7c bi\u1ec7t<\/span>,\u00a0<span class=\"marker\">\u00e1p d\u1ee5ng<\/span>\u00a0n\u00e0y\u00a0<span class=\"marker\">c\u00f3 th\u1ec3<\/span>\u00a0<span class=\"marker\">\u0111\u1ec1 xu\u1ea5t<\/span>\u00a0d\u00f2ng ti\u1ec1n tri\u1ec3n v\u1ecdng v\u00e0\u00a0<span class=\"marker\">xu th\u1ebf<\/span>\u00a0chi ti\u00eau c\u1ee7a b\u1ea1n trong t\u01b0\u01a1ng lai\u00a0<span class=\"marker\">d\u1ef1a v\u00e0o<\/span>\u00a0nh\u1eefng\u00a0<span class=\"marker\">ph\u00e2n t\u00edch<\/span>\u00a0<span class=\"marker\">trong qu\u00e1 kh\u1ee9<\/span>.<\/p>\n<p>Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi s\u1eed d\u1ee5ng nh\u1ea5t. Hy v\u1ecdng nh\u1eefng th\u00f4ng tin tr\u00ean s\u1ebd h\u1eefu \u00edch v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. C\u1ea3m \u01a1n m\u1ecdi ng\u01b0\u1eddi \u0111\u00e3 theo d\u00f5i b\u00e0i vi\u1ebft.<\/p>\n<p style=\"text-align: right;\"><em>H\u1ed3ng Quy\u00ean &#8211; T\u1ed5ng h\u1ee3p\u00a0<\/em><\/p>\n<p style=\"text-align: right;\"><em>Tham kh\u1ea3o ( thebank.vn, afamily.vn,&#8230; )<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u00e0m sao \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 l\u00e0 v\u1ea5n \u0111\u1ec1 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi r\u1ea5t \u0111au \u0111\u1ea7u. B\u1ea1n \u0111\u00e3 t\u1eebng s\u1eed d\u1ee5ng qua ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ch\u01b0a? N\u1ebfu ch\u01b0a th\u00ec h\u00e3y tham kh\u1ea3o ngay b\u00e0i vi\u1ebft b\u00ean d\u01b0\u1edbi c\u1ee7a sum.vn \u0111\u1ec3 l\u1ef1a ch\u1ecdn cho m\u00ecnh m\u1ed9t ph\u1ea7n m\u1ec1m qu\u1ea3n [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5034,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1163,1197],"tags":[2780,2779,2782,2784,2777,2776,2778,2783,2781],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/5033"}],"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=5033"}],"version-history":[{"count":3,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/5033\/revisions"}],"predecessor-version":[{"id":6660,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/posts\/5033\/revisions\/6660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/media\/5034"}],"wp:attachment":[{"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/media?parent=5033"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/categories?post=5033"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sum.vn\/blog\/wp-json\/wp\/v2\/tags?post=5033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}