{"id":29360,"date":"2026-09-15T14:45:00","date_gmt":"2026-09-15T07:45:00","guid":{"rendered":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/?p=29360"},"modified":"2026-09-15T17:19:39","modified_gmt":"2026-09-15T10:19:39","slug":"quy-tac-50-30-20-quan-ly-chi-tieu","status":"publish","type":"post","link":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/kien-thuc-kinh-te\/quy-tac-50-30-20-quan-ly-chi-tieu","title":{"rendered":"Quy t\u1eafc 50 30 20 qu\u1ea3n l\u00fd chi ti\u00eau: c\u00e1ch chia ti\u1ec1n l\u01b0\u01a1ng \u0111\u00fang"},"content":{"rendered":"

Cu\u1ed1i th\u00e1ng m\u1edf t\u00e0i kho\u1ea3n ra m\u00e0 kh\u00f4ng nh\u1edb n\u1ed5i ti\u1ec1n \u0111\u00e3 \u0111i \u0111\u00e2u l\u00e0 t\u00ecnh tr\u1ea1ng quen thu\u1ed9c c\u1ee7a ng\u01b0\u1eddi \u0111i l\u00e0m. Quy t\u1eafc 50 30 20 qu\u1ea3n l\u00fd chi ti\u00eau<\/strong> \u0111\u01b0\u1ee3c nh\u1eafc t\u1edbi nh\u01b0 m\u1ed9t c\u00e1ch chia thu nh\u1eadp g\u1ecdn t\u1edbi m\u1ee9c kh\u00f4ng c\u1ea7n b\u1ea3ng t\u00ednh, nh\u01b0ng ph\u1ea7n l\u1edbn n\u1ed9i dung ti\u1ebfng Vi\u1ec7t ch\u1ec9 d\u1ecbch l\u1ea1i ba con s\u1ed1 m\u00e0 b\u1ecf qua ngu\u1ed3n g\u1ed1c v\u00e0 gi\u1edbi h\u1ea1n.<\/p>\n

\"quy<\/p>\n

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T\u1ed5ng quan nhanh<\/strong><\/p>\n

\u2013 C\u00f4ng th\u1ee9c do Elizabeth Warren gi\u1edbi thi\u1ec7u trong cu\u1ed1n All Your Worth n\u0103m 2005.<\/p>\n

\u2013 Ba t\u1ef7 l\u1ec7 t\u00ednh tr\u00ean thu nh\u1eadp sau thu\u1ebf, kh\u00f4ng ph\u1ea3i l\u01b0\u01a1ng g\u1ed9p trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n

\u2013 Nh\u00f3m 20% g\u1ed3m ti\u1ebft ki\u1ec7m v\u00e0 ph\u1ea7n tr\u1ea3 n\u1ee3 v\u01b0\u1ee3t qu\u00e1 m\u1ee9c t\u1ed1i thi\u1ec3u b\u1eaft bu\u1ed9c.<\/p>\n

\u2013 Ng\u01b0\u1eddi thu\u00ea nh\u00e0 \u1edf \u0111\u00f4 th\u1ecb l\u1edbn th\u01b0\u1eddng ph\u1ea3i \u0111\u1ed5i sang t\u1ef7 l\u1ec7 kh\u00e1c m\u1ed9t th\u1eddi gian.<\/p>\n<\/div>\n

1. Quy t\u1eafc 50 30 20 b\u1eaft ngu\u1ed3n t\u1eeb \u0111\u00e2u<\/h2>\n

C\u00f4ng th\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c Elizabeth Warren, gi\u00e1o s\u01b0 lu\u1eadt t\u1ea1i \u0110\u1ea1i h\u1ecdc Harvard v\u00e0 sau n\u00e0y l\u00e0 Th\u01b0\u1ee3ng ngh\u1ecb s\u0129 Hoa K\u1ef3, c\u00f9ng con g\u00e1i Amelia Warren Tyagi tr\u00ecnh b\u00e0y trong cu\u1ed1n All Your Worth: The Ultimate Lifetime Money Plan<\/em> xu\u1ea5t b\u1ea3n n\u0103m 2005. Hai t\u00e1c gi\u1ea3 g\u1ecdi n\u00f3 l\u00e0 “balanced money formula”. M\u1ee5c ti\u00eau ban \u0111\u1ea7u l\u00e0 gi\u1eef cho nh\u00f3m chi ph\u00ed c\u1ed1 \u0111\u1ecbnh kh\u00f4ng ph\u00ecnh qu\u00e1 n\u1eeda thu nh\u1eadp.<\/p>\n

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Ba con s\u1ed1 \u1edf \u0111\u00e2y l\u00e0 h\u00e0ng r\u00e0o c\u1ea3nh b\u00e1o, kh\u00f4ng ph\u1ea3i m\u1ee5c ti\u00eau thi \u0111ua; ch\u00fang cho bi\u1ebft c\u01a1 c\u1ea5u chi ti\u00eau \u0111ang l\u1ec7ch v\u1ec1 ph\u00eda n\u00e0o, kh\u00f4ng ch\u1ea5m \u0111i\u1ec3m ai.<\/em><\/p>\n<\/blockquote>\n

2. Ba nh\u00f3m chi ti\u00eau v\u00e0 ch\u1ed7 ng\u01b0\u1eddi \u0111\u1ecdc hay hi\u1ec3u sai<\/h2>\n

Sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 l\u1ea5y l\u01b0\u01a1ng ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 chia, thay v\u00ec thu nh\u1eadp th\u1ef1c nh\u1eadn sau khi tr\u1eeb thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n v\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c theo Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i. Chia tr\u00ean l\u01b0\u01a1ng g\u1ed9p khi\u1ebfn nh\u00f3m thi\u1ebft y\u1ebfu hi\u1ec7n ra nh\u1ecf h\u01a1n th\u1ef1c t\u1ebf.<\/p>\n\n\n\n\n\n\n\n
Nh\u00f3m<\/th>\nThu\u1ed9c nh\u00f3m n\u00e0y<\/th>\nKh\u00f4ng thu\u1ed9c nh\u00f3m n\u00e0y<\/th>\n<\/tr>\n<\/thead>\n
50% \u2013 Nhu c\u1ea7u thi\u1ebft y\u1ebfu<\/td>\nThu\u00ea nh\u00e0, \u0111i\u1ec7n n\u01b0\u1edbc, th\u1ef1c ph\u1ea9m n\u1ea5u t\u1ea1i nh\u00e0, x\u0103ng xe, b\u1ea3o hi\u1ec3m, tr\u1ea3 n\u1ee3 t\u1ed1i thi\u1ec3u<\/td>\nTh\u1ef1c ph\u1ea9m nh\u1eadp kh\u1ea9u, xe ri\u00eang khi \u0111\u00e3 c\u00f3 ph\u01b0\u01a1ng ti\u1ec7n thay th\u1ebf<\/td>\n<\/tr>\n
30% \u2013 Mong mu\u1ed1n<\/td>\n\u0102n ngo\u00e0i, c\u00e0 ph\u00ea, du l\u1ecbch, mua s\u1eafm ngo\u00e0i nhu c\u1ea7u, g\u00f3i gi\u1ea3i tr\u00ed, s\u1edf th\u00edch<\/td>\nTh\u1ef1c ph\u1ea9m c\u01a1 b\u1ea3n, ti\u1ec1n h\u1ecdc c\u1ee7a con, thu\u1ed1c theo ch\u1ec9 \u0111\u1ecbnh b\u00e1c s\u0129<\/td>\n<\/tr>\n
20% \u2013 Ti\u1ebft ki\u1ec7m, tr\u1ea3 n\u1ee3 th\u00eam<\/td>\nQu\u1ef9 d\u1ef1 ph\u00f2ng kh\u1ea9n c\u1ea5p, ti\u1ec1n \u0111\u1ec3 d\u00e0nh d\u00e0i h\u1ea1n, ph\u1ea7n tr\u1ea3 n\u1ee3 v\u01b0\u1ee3t m\u1ee9c t\u1ed1i thi\u1ec3u<\/td>\nPh\u1ea7n tr\u1ea3 n\u1ee3 t\u1ed1i thi\u1ec3u, v\u00ec \u0111\u00e3 n\u1eb1m \u1edf nh\u00f3m thi\u1ebft y\u1ebfu<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ranh gi\u1edbi gi\u1eefa nhu c\u1ea7u v\u00e0 mong mu\u1ed1n n\u1eb1m \u1edf m\u1ee9c \u0111\u1ed9, kh\u00f4ng \u1edf t\u00ean m\u00f3n \u0111\u1ed3: \u0103n u\u1ed1ng l\u00e0 nhu c\u1ea7u, b\u1eefa t\u1ed1i nh\u00e0 h\u00e0ng l\u00e0 mong mu\u1ed1n. Mu\u1ed1n ph\u00e2n lo\u1ea1i ch\u00ednh x\u00e1c, b\u1ea1n c\u1ea7n d\u1eef li\u1ec7u chi ti\u00eau \u00edt nh\u1ea5t m\u1ed9t th\u00e1ng; b\u00e0i App qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n ph\u1ed5 bi\u1ebfn<\/a> tr\u00ean CareerLink gi\u1edbi thi\u1ec7u c\u00f4ng c\u1ee5 ghi ch\u00e9p ph\u00f9 h\u1ee3p.<\/p>\n

3. B\u1ea3ng t\u00ednh b\u1eb1ng s\u1ed1 cho ba m\u1ee9c thu nh\u1eadp ph\u1ed5 bi\u1ebfn<\/h2>\n

B\u1ea3ng d\u01b0\u1edbi \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c cho ba m\u1ee9c thu nh\u1eadp sau thu\u1ebf th\u01b0\u1eddng g\u1eb7p, k\u00e8m nh\u1eadn x\u00e9t theo m\u1eb7t b\u1eb1ng chi ph\u00ed t\u1ea1i TP.HCM v\u00e0 H\u00e0 N\u1ed9i.<\/p>\n\n\n\n\n\n\n\n
Thu nh\u1eadp sau thu\u1ebf<\/th>\n50% thi\u1ebft y\u1ebfu<\/th>\n30% mong mu\u1ed1n<\/th>\n20% ti\u1ebft ki\u1ec7m<\/th>\nNh\u1eadn x\u00e9t<\/th>\n<\/tr>\n<\/thead>\n
10 tri\u1ec7u\/th\u00e1ng<\/td>\n5.000.000<\/td>\n3.000.000<\/td>\n2.000.000<\/td>\nKh\u00f3 \u0111\u1ea1t n\u1ebfu thu\u00ea ph\u00f2ng ri\u00eang, v\u00ec ti\u1ec1n nh\u00e0 v\u00e0 \u0111i\u1ec7n n\u01b0\u1edbc \u0111\u00e3 chi\u1ebfm 4\u20135 tri\u1ec7u.<\/td>\n<\/tr>\n
15 tri\u1ec7u\/th\u00e1ng<\/td>\n7.500.000<\/td>\n4.500.000<\/td>\n3.000.000<\/td>\nKh\u1ea3 thi khi thu\u00ea nh\u00e0 ngo\u00e0i trung t\u00e2m v\u00e0 t\u1ef1 n\u1ea5u ph\u1ea7n l\u1edbn c\u00e1c b\u1eefa.<\/td>\n<\/tr>\n
25 tri\u1ec7u\/th\u00e1ng<\/td>\n12.500.000<\/td>\n7.500.000<\/td>\n5.000.000<\/td>\nD\u01b0 \u0111\u1ecba r\u1ed9ng, nhi\u1ec1u ng\u01b0\u1eddi n\u00ean k\u00e9o nh\u00f3m ti\u1ebft ki\u1ec7m l\u00ean 25\u201330%.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u00f4ng th\u1ee9c c\u00f3 t\u00ednh l\u0169y ti\u1ebfn: thu nh\u1eadp c\u00e0ng cao th\u00ec ph\u1ea7n 50% c\u00e0ng d\u01b0 d\u1ea3, c\u00f2n ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5p b\u1ecb nh\u00f3m thi\u1ebft y\u1ebfu \u00e9p s\u00e1t tr\u1ea7n, n\u00ean nhi\u1ec1u chuy\u00ean vi\u00ean ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n (Financial Planner) khuy\u00ean nh\u00f3m thu nh\u1eadp kh\u00e1 \u0111\u1eb7t t\u1ef7 l\u1ec7 ti\u1ebft ki\u1ec7m cao h\u01a1n m\u1ed1c 20%. N\u1ebfu quan t\u00e2m t\u1edbi ngh\u1ec1 n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 xem c\u00e1c tin tuy\u1ec3n d\u1ee5ng vi\u1ec7c l\u00e0m t\u00e0i ch\u00ednh \u0111\u1ea7u t\u01b0<\/a> \u0111ang \u0111\u0103ng tr\u00ean CareerLink.<\/p>\n

4. Khi t\u1ef7 l\u1ec7 kh\u00f4ng kh\u1edbp v\u1edbi chi ph\u00ed \u1edf \u0111\u00f4 th\u1ecb l\u1edbn<\/h2>\n

V\u1edbi ng\u01b0\u1eddi tr\u1ebb thu\u00ea nh\u00e0 t\u1ea1i TP.HCM ho\u1eb7c H\u00e0 N\u1ed9i, m\u1ed9t ph\u00f2ng kh\u00e9p k\u00edn k\u00e8m \u0111i\u1ec7n n\u01b0\u1edbc th\u01b0\u1eddng t\u1ed1n 4 \u0111\u1ebfn 6 tri\u1ec7u \u0111\u1ed3ng; c\u1ed9ng \u0103n u\u1ed1ng v\u00e0 \u0111i l\u1ea1i, nh\u00f3m thi\u1ebft y\u1ebfu d\u1ec5 ch\u1ea1m 65\u201370% thu nh\u1eadp. \u00c9p m\u00ecnh v\u1ec1 \u0111\u00fang quy t\u1eafc 50 30 20 l\u00fac n\u00e0y ch\u1ec9 d\u1eabn t\u1edbi c\u1ea3m gi\u00e1c th\u1ea5t b\u1ea1i r\u1ed3i b\u1ecf cu\u1ed9c.<\/p>\n

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L\u01b0u \u00fd khi t\u1ef7 l\u1ec7 kh\u00f4ng v\u1eeba<\/strong><\/p>\n

\u2013 Giai \u0111o\u1ea1n thu nh\u1eadp th\u1ea5p c\u00f3 th\u1ec3 chuy\u1ec3n t\u1ea1m sang 60\/20\/20 ho\u1eb7c 70\/20\/10, mi\u1ec5n ph\u1ea7n ti\u1ebft ki\u1ec7m kh\u00f4ng m\u1ea5t h\u1eb3n.<\/p>\n

\u2013 \u0110i\u1ec1u c\u1ea7n gi\u1eef l\u00e0 nh\u00f3m ti\u1ebft ki\u1ec7m kh\u00f4ng b\u1ecb \u0111\u1ea9y v\u1ec1 s\u1ed1 kh\u00f4ng, d\u00f9 t\u1ef7 l\u1ec7 r\u1ea5t nh\u1ecf.<\/p>\n

\u2013 M\u1ed7i l\u1ea7n thu nh\u1eadp t\u0103ng, h\u00e3y k\u00e9o t\u1ef7 l\u1ec7 v\u1ec1 g\u1ea7n m\u1ed1c g\u1ed1c thay v\u00ec n\u00e2ng ngay m\u1ee9c s\u1ed1ng.<\/p>\n<\/div>\n

N\u00f3i c\u00e1ch kh\u00e1c, ba con s\u1ed1 l\u00e0 \u0111\u00edch \u0111\u1ebfn ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111i\u1ec1u ki\u1ec7n tham gia; gi\u1ea3m d\u1ea7n nh\u00f3m thi\u1ebft y\u1ebfu m\u1ed7i qu\u00fd v\u1eabn t\u00ednh l\u00e0 ti\u1ebfn b\u1ed9.<\/p>\n

5. X\u1ebfp nh\u00f3m cho nh\u1eefng kho\u1ea3n n\u1eb1m gi\u1eefa<\/h2>\n

V\u00e0i kho\u1ea3n chi g\u00e2y l\u01b0\u1ee1ng l\u1ef1 v\u00ec v\u1eeba gi\u1ed1ng nhu c\u1ea7u v\u1eeba gi\u1ed1ng mong mu\u1ed1n. Nguy\u00ean t\u1eafc ph\u00e2n \u0111\u1ecbnh g\u1ecdn nh\u1ea5t l\u00e0 h\u1ecfi xem c\u1eaft kho\u1ea3n n\u00e0y \u0111i, b\u1ea1n c\u00f3 c\u00f2n sinh ho\u1ea1t b\u00ecnh th\u01b0\u1eddng trong th\u00e1ng t\u1edbi hay kh\u00f4ng.<\/p>\n

\u2013 Xe m\u00e1y tr\u1ea3 g\u00f3p: ph\u1ea7n tr\u1ea3 g\u00f3p t\u1ed1i thi\u1ec3u l\u00e0 thi\u1ebft y\u1ebfu n\u1ebfu \u0111\u00f3 l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u00e0m duy nh\u1ea5t.<\/p>\n

\u2013 G\u00f3i c\u01b0\u1edbc \u0111i\u1ec7n tho\u1ea1i: ph\u1ea7n c\u01b0\u1edbc c\u01a1 b\u1ea3n ph\u1ee5c v\u1ee5 c\u00f4ng vi\u1ec7c l\u00e0 thi\u1ebft y\u1ebfu, ph\u1ea7n n\u00e2ng c\u1ea5p \u0111\u1ec3 gi\u1ea3i tr\u00ed l\u00e0 mong mu\u1ed1n.<\/p>\n

\u2013 C\u00e0 ph\u00ea s\u00e1ng m\u1ed7i ng\u00e0y: \u0111\u00e2y l\u00e0 mong mu\u1ed1n, k\u1ec3 c\u1ea3 khi n\u00f3 \u0111\u00e3 th\u00e0nh th\u00f3i quen nhi\u1ec1u n\u0103m.<\/p>\n

C\u00e1ch x\u1ebfp nh\u00f3m n\u00e0y kh\u00f4ng nh\u1eb1m b\u1eaft b\u1ea1n c\u1eaft b\u1ecf th\u1ee9 mang l\u1ea1i ni\u1ec1m vui, m\u00e0 gi\u00fap th\u1ea5y kho\u1ea3n c\u00e0 ph\u00ea hai tr\u0103m ngh\u00ecn m\u1ed7i tu\u1ea7n \u0111ang n\u1eb1m trong ng\u00e2n s\u00e1ch 30% v\u00e0 c\u00f3 th\u1ec3 \u0111\u00e1nh \u0111\u1ed5i v\u1edbi th\u1ee9 kh\u00e1c c\u00f9ng nh\u00f3m.<\/p>\n

\"quy<\/p>\n

6. Tri\u1ec3n khai v\u00e0 x\u1eed l\u00fd tr\u01b0\u1eddng h\u1ee3p thu nh\u1eadp kh\u00f4ng \u0111\u1ec1u<\/h2>\n

T\u00e1ch t\u00e0i kho\u1ea3n v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a<\/h3>\n

C\u00e1ch l\u00e0m ph\u1ed5 bi\u1ebfn l\u00e0 m\u1edf ba t\u00e0i kho\u1ea3n ri\u00eang theo ba nh\u00f3m v\u00e0 \u0111\u1eb7t l\u1ec7nh chuy\u1ec3n ti\u1ec1n t\u1ef1 \u0111\u1ed9ng ngay khi nh\u1eadn l\u01b0\u01a1ng, \u0111\u1ec3 nh\u00f3m ti\u1ebft ki\u1ec7m kh\u00f4ng b\u1ecb ti\u00eau m\u1ea5t tr\u01b0\u1edbc khi \u0111\u1ed1i chi\u1ebfu s\u1ed1 th\u1ef1c chi v\u00e0o cu\u1ed1i th\u00e1ng.<\/p>\n

Ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp kh\u00f4ng \u0111\u1ec1u<\/h3>\n

Freelancer, nh\u00e2n vi\u00ean kinh doanh h\u01b0\u1edfng hoa h\u1ed3ng hay ng\u01b0\u1eddi l\u00e0m m\u00f9a v\u1ee5 n\u00ean l\u1ea5y m\u1ee9c thu nh\u1eadp th\u1ea5p nh\u1ea5t trong s\u00e1u \u0111\u1ebfn m\u01b0\u1eddi hai th\u00e1ng g\u1ea7n nh\u1ea5t l\u00e0m ng\u00e2n s\u00e1ch n\u1ec1n, r\u1ed3i \u0111\u1ea9y ph\u1ea7n v\u01b0\u1ee3t v\u00e0o nh\u00f3m ti\u1ebft ki\u1ec7m \u0111\u1ec3 b\u00f9 th\u00e1ng th\u1ea5p \u0111i\u1ec3m.<\/p>\n

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L\u1eddi khuy\u00ean khi b\u1eaft \u0111\u1ea7u<\/strong><\/p>\n

\u2013 Ghi ch\u00e9p m\u1ed9t th\u00e1ng \u0111\u1ea7y \u0111\u1ee7 tr\u01b0\u1edbc khi chia nh\u00f3m, v\u00ec chia theo tr\u00ed nh\u1edb th\u01b0\u1eddng l\u1ec7ch xa.<\/p>\n

\u2013 \u01afu ti\u00ean g\u00e2y d\u1ef1ng qu\u1ef9 d\u1ef1 ph\u00f2ng b\u1eb1ng ba t\u1edbi s\u00e1u th\u00e1ng chi ph\u00ed thi\u1ebft y\u1ebfu.<\/p>\n

\u2013 R\u00e0 so\u00e1t l\u1ea1i t\u1ef7 l\u1ec7 m\u1ed7i khi \u0111\u1ed5i vi\u1ec7c, chuy\u1ec3n nh\u00e0 ho\u1eb7c th\u00eam th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh.<\/p>\n<\/div>\n

7. C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n

1. Quy t\u1eafc 50 30 20 qu\u1ea3n l\u00fd chi ti\u00eau c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi sinh vi\u00ean kh\u00f4ng?<\/em><\/strong><\/p>\n

Sinh vi\u00ean th\u01b0\u1eddng \u0111\u01b0\u1ee3c gia \u0111\u00ecnh h\u1ed7 tr\u1ee3 ti\u1ec1n nh\u00e0 n\u00ean nh\u00f3m thi\u1ebft y\u1ebfu nh\u1ecf b\u1ea5t th\u01b0\u1eddng. B\u1ea1n v\u1eabn c\u00f3 th\u1ec3 g\u1ed9p tr\u1ee3 c\u1ea5p v\u00e0 thu nh\u1eadp l\u00e0m th\u00eam \u0111\u1ec3 chia, kh\u00f4ng c\u1ea7n b\u1eadn t\u00e2m n\u1ebfu s\u1ed1 li\u1ec7u l\u1ec7ch m\u1ed1c g\u1ed1c.<\/p>\n

2. Ti\u1ec1n tr\u1ea3 n\u1ee3 vay mua nh\u00e0 x\u1ebfp v\u00e0o nh\u00f3m n\u00e0o?<\/em><\/strong><\/p>\n

Kho\u1ea3n tr\u1ea3 g\u00f3p t\u1ed1i thi\u1ec3u h\u1eb1ng th\u00e1ng l\u00e0 thi\u1ebft y\u1ebfu v\u00ec \u0111\u00f3 l\u00e0 ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng; ph\u1ea7n tr\u1ea3 th\u00eam \u0111\u1ec3 r\u00fat ng\u1eafn th\u1eddi h\u1ea1n vay t\u00ednh v\u00e0o nh\u00f3m 20%.<\/p>\n

3. C\u00f3 c\u1ea7n d\u00f9ng \u1ee9ng d\u1ee5ng m\u1edbi \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c c\u00f4ng th\u1ee9c n\u00e0y kh\u00f4ng?<\/em><\/strong><\/p>\n

Kh\u00f4ng b\u1eaft bu\u1ed9c. M\u1ed9t b\u1ea3ng Google Sheets ba c\u1ed9t theo ba nh\u00f3m l\u00e0 \u0111\u1ee7 cho ph\u1ea7n l\u1edbn tr\u01b0\u1eddng h\u1ee3p; \u1ee9ng d\u1ee5ng ch\u1ec9 r\u00fat ng\u1eafn thao t\u00e1c nh\u1eadp li\u1ec7u khi c\u00f3 nhi\u1ec1u giao d\u1ecbch nh\u1ecf m\u1ed7i ng\u00e0y.<\/p>\n

Gi\u00e1 tr\u1ecb c\u1ee7a c\u00f4ng th\u1ee9c n\u00e0y kh\u00f4ng n\u1eb1m \u1edf ba con s\u1ed1 m\u00e0 \u1edf th\u00f3i quen nh\u00ecn l\u1ea1i c\u01a1 c\u1ea5u chi ti\u00eau m\u1ed7i th\u00e1ng. Khi \u00e1p d\u1ee5ng quy t\u1eafc 50 30 20 qu\u1ea3n l\u00fd chi ti\u00eau<\/strong>, b\u1ea1n n\u00ean xem n\u00f3 nh\u01b0 c\u00e1i khung \u0111\u1ec3 nh\u1eadn ra m\u00ecnh \u0111ang l\u1ec7ch v\u1ec1 \u0111\u00e2u, r\u1ed3i \u0111i\u1ec1u ch\u1ec9nh d\u1ea7n theo ho\u00e0n c\u1ea3nh thu nh\u1eadp v\u00e0 n\u01a1i sinh s\u1ed1ng, thay v\u00ec \u00e9p b\u1ea3n th\u00e2n kh\u1edbp \u0111\u00fang t\u1eebng \u0111i\u1ec3m ph\u1ea7n tr\u0103m ngay trong th\u00e1ng \u0111\u1ea7u.<\/p>\n

N\u1ed9i dung trong b\u00e0i mang t\u00ednh tham kh\u1ea3o chung, kh\u00f4ng ph\u1ea3i t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n h\u00f3a. B\u00e0i vi\u1ebft kh\u00f4ng khuy\u1ebfn ngh\u1ecb s\u1ea3n ph\u1ea9m, ng\u00e2n h\u00e0ng hay t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 n\u00e0o; b\u1ea1n n\u00ean c\u00e2n nh\u1eafc ho\u00e0n c\u1ea3nh ri\u00eang tr\u01b0\u1edbc khi ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 ti\u1ec1n b\u1ea1c.<\/em><\/p>\n

Minh An<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Cu\u1ed1i th\u00e1ng m\u1edf t\u00e0i kho\u1ea3n ra m\u00e0 kh\u00f4ng nh\u1edb n\u1ed5i ti\u1ec1n \u0111\u00e3 \u0111i \u0111\u00e2u l\u00e0 t\u00ecnh tr\u1ea1ng quen thu\u1ed9c c\u1ee7a ng\u01b0\u1eddi \u0111i l\u00e0m. Quy t\u1eafc …<\/p>\n","protected":false},"author":58,"featured_media":29340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-29360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-kinh-te"],"_links":{"self":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/29360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/comments?post=29360"}],"version-history":[{"count":1,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/29360\/revisions"}],"predecessor-version":[{"id":29361,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/29360\/revisions\/29361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media\/29340"}],"wp:attachment":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media?parent=29360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/categories?post=29360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/tags?post=29360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}