{"id":29529,"date":"2026-09-22T14:45:00","date_gmt":"2026-09-22T07:45:00","guid":{"rendered":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/?p=29529"},"modified":"2026-09-22T16:51:11","modified_gmt":"2026-09-22T09:51:11","slug":"cach-lap-ngan-sach-ca-nhan-hang-thang","status":"publish","type":"post","link":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/kien-thuc-kinh-te\/cach-lap-ngan-sach-ca-nhan-hang-thang","title":{"rendered":"C\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n h\u00e0ng th\u00e1ng v\u00e0 c\u00e1ch gi\u1eef cho n\u00f3 kh\u00f4ng v\u1ee1"},"content":{"rendered":"<p>Cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i th\u1ea5y ti\u1ec1n \u0111\u00e3 h\u1ebft m\u00e0 kh\u00f4ng nh\u1edb ti\u00eau v\u00e0o \u0111\u00e2u l\u00e0 t\u00ecnh hu\u1ed1ng nhi\u1ec1u ng\u01b0\u1eddi \u0111i l\u00e0m g\u1eb7p ph\u1ea3i. C\u00e1ch x\u1eed l\u00fd kh\u00f4ng n\u1eb1m \u1edf vi\u1ec7c ti\u00eau \u00edt \u0111i, m\u00e0 \u1edf ch\u1ed7 c\u00f3 m\u1ed9t b\u1ea3n k\u1ebf ho\u1ea1ch chi ti\u00eau vi\u1ebft ra gi\u1ea5y. B\u00e0i n\u00e0y \u0111i qua <strong>c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n h\u00e0ng th\u00e1ng<\/strong> v\u00e0 c\u00e1ch v\u1eadn h\u00e0nh \u0111\u1ec3 k\u1ebf ho\u1ea1ch \u0111\u00f3 kh\u00f4ng v\u1ee1.<\/p>\n<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/cl-wpml.careerlink.vn\/cam-nang-viec-lam\/wp-content\/uploads\/2026\/09\/21170820\/a-cach-lap-ngan-sach-ca-nhan-1.png\" alt=\"c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n h\u00e0ng th\u00e1ng\" style=\"max-width:100%;height:auto;\" \/><\/p>\n<div style=\"background:#e3f2fd;border-left:4px solid #1565c0;padding:15px 20px;margin:20px 0;border-radius:4px\">\n<p><strong>T\u1ed5ng quan nhanh<\/strong><\/p>\n<p>\u2013 Ng\u00e2n s\u00e1ch n\u00ean d\u1ef1ng t\u1eeb s\u1ed1 li\u1ec7u chi ti\u00eau th\u1eadt c\u1ee7a hai t\u1edbi ba th\u00e1ng g\u1ea7n nh\u1ea5t.<\/p>\n<p>\u2013 Chi c\u1ed1 \u0111\u1ecbnh, chi thay \u0111\u1ed5i v\u00e0 kho\u1ea3n \u0111\u1ec3 d\u00e0nh c\u1ea7n t\u00e1ch th\u00e0nh ba nh\u00f3m ri\u00eang.<\/p>\n<p>\u2013 Kho\u1ea3n chi theo chu k\u1ef3 d\u00e0i nh\u01b0 b\u1ea3o hi\u1ec3m n\u0103m hay T\u1ebft hay ph\u00e1 v\u1ee1 k\u1ebf ho\u1ea1ch.<\/p>\n<p>\u2013 Ng\u01b0\u1eddi thu nh\u1eadp th\u1ea5t th\u01b0\u1eddng n\u00ean l\u1eadp ng\u00e2n s\u00e1ch tr\u00ean m\u1ee9c s\u00e0n, kh\u00f4ng theo trung b\u00ecnh.<\/p>\n<\/div>\n<h2>1. Ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n l\u00e0 g\u00ec v\u00e0 v\u00ec sao b\u1ea3n \u0111\u1ea7u ti\u00ean hay v\u1ee1<\/h2>\n<p>Ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n l\u00e0 b\u1ea3n ph\u00e2n b\u1ed5 s\u1ed1 ti\u1ec1n th\u1ef1c nh\u1eadn trong th\u00e1ng cho t\u1eebng nh\u00f3m chi, k\u00e8m c\u00e1ch theo d\u00f5i \u0111\u1ec3 bi\u1ebft m\u00ecnh \u0111ang b\u00e1m hay l\u1ec7ch. N\u00f3 kh\u00f4ng ph\u1ea3i danh s\u00e1ch nh\u1eefng th\u1ee9 b\u1ecb c\u1ea5m mua, m\u00e0 l\u00e0 c\u00f4ng c\u1ee5 cho b\u1ea1n bi\u1ebft m\u1ed7i nh\u00f3m c\u00f2n bao nhi\u00eau d\u01b0 \u0111\u1ecba. B\u1ea3n \u0111\u1ea7u ti\u00ean hay v\u1ee1 v\u00ec kh\u00e2u l\u1eadp: nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi vi\u1ebft ra m\u1ed9t phi\u00ean b\u1ea3n l\u00fd t\u01b0\u1edfng, thu nh\u1eadp t\u00ednh theo m\u1ed9t th\u00e1ng cao \u0111i\u1ec3m, chi ti\u00eau \u01b0\u1edbc theo tr\u00ed nh\u1edb n\u00ean th\u1ea5p h\u01a1n th\u1ef1c t\u1ebf, l\u1ea1i kh\u00f4ng ch\u1eeba d\u00f2ng n\u00e0o cho ph\u00e1t sinh.<\/p>\n<p>Mu\u1ed1n nh\u00ecn b\u1ee9c tranh r\u1ed9ng h\u01a1n v\u1ec1 m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ecdc b\u00e0i <a href=\"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/kien-thuc-kinh-te\/ke-hoach-tai-chinh-ca-nhan-la-gi\" style=\"color:#1565c0;font-weight:600;text-decoration:underline\">K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/a> tr\u00ean CareerLink.<\/p>\n<h2>2. N\u0103m b\u01b0\u1edbc l\u1eadp ng\u00e2n s\u00e1ch t\u1eeb s\u1ed1 li\u1ec7u chi ti\u00eau th\u1eadt<\/h2>\n<p>Th\u1ee9 t\u1ef1 d\u01b0\u1edbi \u0111\u00e2y \u0111i t\u1eeb d\u1eef li\u1ec7u t\u1edbi h\u1ea1n m\u1ee9c, ch\u1ee9 kh\u00f4ng \u0111\u1eb7t h\u1ea1n m\u1ee9c tr\u01b0\u1edbc r\u1ed3i \u00e9p chi ti\u00eau theo sau. Nguy\u00ean li\u1ec7u l\u00e0 sao k\u00ea t\u00e0i kho\u1ea3n v\u00e0 l\u1ecbch s\u1eed v\u00ed \u0111i\u1ec7n t\u1eed hai t\u1edbi ba th\u00e1ng g\u1ea7n nh\u1ea5t. Ch\u01b0a quen ghi ch\u00e9p th\u00ec h\u00e3y ghi \u0111\u1ee7 m\u1ed9t th\u00e1ng tr\u01b0\u1edbc \u0111\u00e3.<\/p>\n<table class=\"table table-bordered table-striped\">\n<thead>\n<tr style=\"background:#1565c0;color:#fff\">\n<th>B\u01b0\u1edbc<\/th>\n<th>Vi\u1ec7c c\u1ea7n l\u00e0m<\/th>\n<th>Ch\u1ed7 hay sai<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1. Ch\u1ed1t thu nh\u1eadp<\/td>\n<td>L\u1ea5y s\u1ed1 th\u1ef1c v\u1ec1 t\u00e0i kho\u1ea3n sau thu\u1ebf v\u00e0 c\u00e1c kho\u1ea3n tr\u1eeb<\/td>\n<td>D\u00f9ng l\u01b0\u01a1ng tr\u00ean h\u1ee3p \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr style=\"background:#f0f7ff\">\n<td>2. D\u1ef1ng l\u1ea1i chi ti\u00eau<\/td>\n<td>Gom chi ti\u00eau hai t\u1edbi ba th\u00e1ng g\u1ea7n nh\u1ea5t theo nh\u00f3m<\/td>\n<td>\u01af\u1edbc theo tr\u00ed nh\u1edb, s\u00f3t kho\u1ea3n nh\u1ecf<\/td>\n<\/tr>\n<tr>\n<td>3. T\u00e1ch nh\u00f3m<\/td>\n<td>Chia th\u00e0nh chi c\u1ed1 \u0111\u1ecbnh, chi thay \u0111\u1ed5i, kho\u1ea3n \u0111\u1ec3 d\u00e0nh<\/td>\n<td>Tr\u1ed9n chung, kh\u00f4ng bi\u1ebft c\u1eaft \u0111\u00e2u<\/td>\n<\/tr>\n<tr style=\"background:#f0f7ff\">\n<td>4. \u0110\u1eb7t h\u1ea1n m\u1ee9c<\/td>\n<td>\u0110\u1eb7t tr\u00ean s\u1ed1 th\u1eadt r\u1ed3i h\u1ea1 d\u1ea7n, ch\u1eeba d\u00f2ng ph\u00e1t sinh<\/td>\n<td>C\u1eaft qu\u00e1 s\u00e2u ngay th\u00e1ng \u0111\u1ea7u<\/td>\n<\/tr>\n<tr>\n<td>5. Theo d\u00f5i<\/td>\n<td>\u0110\u1ed1i chi\u1ebfu cu\u1ed1i th\u00e1ng r\u1ed3i s\u1eeda h\u1ea1n m\u1ee9c th\u00e1ng sau<\/td>\n<td>B\u1ecf theo d\u00f5i sau hai tu\u1ea7n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>B\u01b0\u1edbc b\u1ed1n \u0111\u00e1ng d\u1eebng l\u00e2u h\u01a1n c\u1ea3: m\u1ed9t d\u00f2ng cho chi ph\u00e1t sinh gi\u00fap ng\u00e2n s\u00e1ch h\u1ea5p th\u1ee5 kho\u1ea3n kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc.<\/p>\n<h2>3. Ba nh\u00f3m chi c\u1ea7n t\u00e1ch ri\u00eang<\/h2>\n<p>M\u1ed7i nh\u00f3m c\u00f3 c\u00e1ch x\u1eed l\u00fd kh\u00e1c nhau n\u00ean vi\u1ec7c t\u00e1ch nh\u00f3m quy\u1ebft \u0111\u1ecbnh ch\u1ea5t l\u01b0\u1ee3ng b\u1ea3n ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n. Chi c\u1ed1 \u0111\u1ecbnh g\u1ed3m ti\u1ec1n thu\u00ea nh\u00e0, h\u1ecdc ph\u00ed c\u1ee7a con, kho\u1ea3n tr\u1ea3 n\u1ee3 \u0111\u1ecbnh k\u1ef3 v\u00e0 ph\u00ed d\u1ecbch v\u1ee5 theo th\u00e1ng, kh\u00f3 \u0111\u1ed5i trong ng\u1eafn h\u1ea1n. Chi thay \u0111\u1ed5i g\u1ed3m \u0103n u\u1ed1ng, \u0111i l\u1ea1i, mua s\u1eafm v\u00e0 gi\u1ea3i tr\u00ed, l\u00e0 n\u01a1i b\u1ea1n \u0111i\u1ec1u ch\u1ec9nh t\u1eebng tu\u1ea7n. Nh\u00f3m th\u1ee9 ba l\u00e0 kho\u1ea3n tr\u1ea3 cho t\u01b0\u01a1ng lai, n\u00ean coi nh\u01b0 ho\u00e1 \u0111\u01a1n tr\u1ea3 \u0111\u1ea7u th\u00e1ng thay v\u00ec ph\u1ea7n c\u00f2n th\u1eeba.<\/p>\n<blockquote>\n<p><em>Ng\u00e2n s\u00e1ch kh\u00f4ng quy\u1ebft \u0111\u1ecbnh thay b\u1ea1n n\u00ean ti\u00eau g\u00ec; n\u00f3 ch\u1ec9 cho b\u1ea1n th\u1ea5y c\u00e1i gi\u00e1 c\u1ee7a m\u1ed7i l\u1ef1a ch\u1ecdn tr\u01b0\u1edbc khi b\u1ea1n quy\u1ebft \u0111\u1ecbnh.<\/em><\/p>\n<\/blockquote>\n<p>Ph\u00e2n t\u00edch d\u00f2ng ti\u1ec1n c\u0169ng l\u00e0 chuy\u00ean m\u00f4n c\u1ee7a Chuy\u00ean vi\u00ean ph\u00e2n t\u00edch t\u00e0i ch\u00ednh (Financial Analyst) v\u00e0 Chuy\u00ean vi\u00ean ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh (Financial Planner); b\u1ea1n c\u00f3 th\u1ec3 xem tin <a href=\"https:\/\/www.careerlink.vn\/viec-lam\/tai-chinh-dau-tu\/196\" style=\"color:#1565c0;font-weight:600;text-decoration:underline\">vi\u1ec7c l\u00e0m t\u00e0i ch\u00ednh &#8211; \u0111\u1ea7u t\u01b0<\/a> tr\u00ean CareerLink \u0111\u1ec3 hi\u1ec3u th\u00eam nh\u00f3m ngh\u1ec1 n\u00e0y.<\/p>\n<h2>4. Kho\u1ea3n chi theo chu k\u1ef3 d\u00e0i m\u1edbi l\u00e0 th\u1ee9 ph\u00e1 v\u1ee1 k\u1ebf ho\u1ea1ch<\/h2>\n<p>Nhi\u1ec1u b\u1ea3n ng\u00e2n s\u00e1ch ch\u1ec9 li\u1ec7t k\u00ea kho\u1ea3n l\u1eb7p l\u1ea1i m\u1ed7i th\u00e1ng, n\u00ean th\u00e1ng n\u00e0o c\u00f3 b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00f3ng, xe ph\u1ea3i b\u1ea3o d\u01b0\u1ee1ng hay \u0111\u00e1m c\u01b0\u1edbi ph\u1ea3i \u0111i l\u00e0 th\u00e1ng \u0111\u00f3 v\u1ee1 k\u1ebf ho\u1ea1ch. \u0110\u00e2y kh\u00f4ng ph\u1ea3i chi ti\u00eau b\u1ea5t ng\u1edd, v\u00ec b\u1ea1n bi\u1ebft ch\u00fang s\u1ebd t\u1edbi, ch\u1ec9 l\u00e0 ch\u00fang kh\u00f4ng t\u1edbi h\u1eb1ng th\u00e1ng n\u00ean b\u1ecb b\u1ecf qu\u00ean. C\u00e1ch x\u1eed l\u00fd l\u00e0 c\u1ed9ng to\u00e0n b\u1ed9 kho\u1ea3n lo\u1ea1i n\u00e0y c\u1ee7a m\u01b0\u1eddi hai th\u00e1ng qua r\u1ed3i chia cho m\u01b0\u1eddi hai, sau \u0111\u00f3 \u0111\u01b0a v\u00e0o ng\u00e2n s\u00e1ch nh\u01b0 m\u1ed9t d\u00f2ng chi c\u1ed1 \u0111\u1ecbnh. B\u1ea3ng d\u01b0\u1edbi minh ho\u1ea1 c\u00e1ch quy \u0111\u1ed5i.<\/p>\n<table class=\"table table-bordered table-striped\">\n<thead>\n<tr style=\"background:#1565c0;color:#fff\">\n<th>Kho\u1ea3n chi<\/th>\n<th>T\u1ea7n su\u1ea5t<\/th>\n<th>S\u1ed1 ti\u1ec1n minh ho\u1ea1 m\u1ed7i l\u1ea7n<\/th>\n<th>Quy v\u1ec1 m\u1ed7i th\u00e1ng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B\u1ea3o hi\u1ec3m \u0111\u00f3ng theo n\u0103m<\/td>\n<td>M\u1ed9t l\u1ea7n m\u1ed7i n\u0103m<\/td>\n<td>6.000.000 \u0111\u1ed3ng<\/td>\n<td>500.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr style=\"background:#f0f7ff\">\n<td>B\u1ea3o d\u01b0\u1ee1ng v\u00e0 s\u1eeda xe<\/td>\n<td>Hai l\u1ea7n m\u1ed7i n\u0103m<\/td>\n<td>1.500.000 \u0111\u1ed3ng<\/td>\n<td>250.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr>\n<td>Chi ti\u00eau d\u1ecbp T\u1ebft<\/td>\n<td>M\u1ed9t l\u1ea7n m\u1ed7i n\u0103m<\/td>\n<td>12.000.000 \u0111\u1ed3ng<\/td>\n<td>1.000.000 \u0111\u1ed3ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Khi c\u00e1c d\u00f2ng tr\u00ean \u0111\u01b0\u1ee3c gom v\u00e0o m\u1ed9t kho\u1ea3n \u0111\u1ec3 d\u00e0nh ri\u00eang h\u1eb1ng th\u00e1ng, th\u00e1ng c\u00f3 s\u1ef1 ki\u1ec7n s\u1ebd kh\u00f4ng c\u00f2n ph\u00e1 v\u1ee1 k\u1ebf ho\u1ea1ch.<\/p>\n<div style=\"background:#fff3e0;border-left:4px solid #ff9800;padding:15px 20px;margin:20px 0;border-radius:4px\">\n<p><strong>L\u01b0u \u00fd khi \u00e1p d\u1ee5ng<\/strong><\/p>\n<p>\u2013 M\u1ecdi con s\u1ed1 trong b\u00e0i ch\u1ec9 l\u00e0 v\u00ed d\u1ee5 minh ho\u1ea1, kh\u00f4ng ph\u1ea3i m\u1ee9c chi h\u1ee3p v\u1edbi m\u1ecdi ng\u01b0\u1eddi.<\/p>\n<p>\u2013 Thu nh\u1eadp, ngh\u0129a v\u1ee5 n\u1ee3 v\u00e0 s\u1ed1 ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c m\u1ed7i gia \u0111\u00ecnh r\u1ea5t kh\u00e1c nhau.<\/p>\n<p>\u2013 V\u1edbi quy\u1ebft \u0111\u1ecbnh v\u1ec1 n\u1ee3 hay s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh, h\u00e3y h\u1ecfi ng\u01b0\u1eddi c\u00f3 chuy\u00ean m\u00f4n ph\u00f9 h\u1ee3p.<\/p>\n<\/div>\n<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/cl-wpml.careerlink.vn\/cam-nang-viec-lam\/wp-content\/uploads\/2026\/09\/21170825\/a-cach-lap-ngan-sach-ca-nhan-2.png\" alt=\"c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n h\u00e0ng th\u00e1ng\" style=\"max-width:100%;height:auto;\" \/><\/p>\n<h2>5. V\u1eadn h\u00e0nh h\u1eb1ng th\u00e1ng v\u00e0 x\u1eed l\u00fd thu nh\u1eadp th\u1ea5t th\u01b0\u1eddng<\/h2>\n<p>M\u1ed9t b\u1ea3n ng\u00e2n s\u00e1ch ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb khi \u0111\u01b0\u1ee3c ch\u1ea1m t\u1edbi th\u01b0\u1eddng xuy\u00ean. Nh\u1ecbp v\u1eadn h\u00e0nh g\u1ecdn g\u1ed3m ba vi\u1ec7c: ghi kho\u1ea3n chi trong ng\u00e0y, xem m\u1ee9c c\u00f2n l\u1ea1i c\u1ee7a t\u1eebng nh\u00f3m gi\u1eefa th\u00e1ng, v\u00e0 \u0111\u1ed1i chi\u1ebfu r\u1ed3i s\u1eeda h\u1ea1n m\u1ee9c cu\u1ed1i th\u00e1ng. C\u00f4ng c\u1ee5 c\u00f3 th\u1ec3 l\u00e0 s\u1ed5 tay, b\u1ea3ng t\u00ednh hay \u1ee9ng d\u1ee5ng; th\u1ee9 quy\u1ebft \u0111\u1ecbnh l\u00e0 nh\u1ecbp ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u00f4ng c\u1ee5.<\/p>\n<h3>Khi thu nh\u1eadp thay \u0111\u1ed5i theo th\u00e1ng<\/h3>\n<p>Ng\u01b0\u1eddi l\u00e0m t\u1ef1 do, nh\u00e2n vi\u00ean h\u01b0\u1edfng hoa h\u1ed3ng hay ng\u01b0\u1eddi kinh doanh nh\u1ecf g\u1eb7p b\u00e0i to\u00e1n kh\u00e1c: thu nh\u1eadp th\u00e1ng n\u00e0y kh\u00f4ng n\u00f3i l\u00ean th\u00e1ng sau, n\u00ean l\u1eadp ng\u00e2n s\u00e1ch theo m\u1ee9c trung b\u00ecnh s\u1ebd khi\u1ebfn b\u1ea1n ti\u00eau v\u01b0\u1ee3t \u1edf th\u00e1ng th\u1ea5p \u0111i\u1ec3m.<\/p>\n<p>\u2013 L\u1ea5y th\u00e1ng thu nh\u1eadp th\u1ea5p nh\u1ea5t trong s\u00e1u th\u00e1ng g\u1ea7n nh\u1ea5t l\u00e0m m\u1ee9c s\u00e0n \u0111\u1ec3 l\u1eadp ng\u00e2n s\u00e1ch.<\/p>\n<p>\u2013 Ph\u1ea7n v\u01b0\u1ee3t tr\u00ean m\u1ee9c s\u00e0n \u0111\u01b0a v\u00e0o m\u1ed9t kho\u1ea3n san b\u1eb1ng, d\u00f9ng b\u00f9 cho th\u00e1ng th\u1ea5p \u0111i\u1ec3m.<\/p>\n<p>\u2013 T\u1ef1 tr\u1ea3 cho m\u00ecnh m\u1ed9t s\u1ed1 ti\u1ec1n c\u1ed1 \u0111\u1ecbnh m\u1ed7i th\u00e1ng t\u1eeb kho\u1ea3n \u0111\u00f3 \u0111\u1ec3 chi ti\u00eau \u1ed5n \u0111\u1ecbnh.<\/p>\n<p>C\u00e1ch n\u00e0y bi\u1ebfn d\u00f2ng ti\u1ec1n l\u00ean xu\u1ed1ng th\u00e0nh m\u1ee9c chi \u1ed5n \u0111\u1ecbnh h\u01a1n, nh\u1edd v\u1eady b\u1ea1n kh\u00f4ng ph\u1ea3i l\u1eadp l\u1ea1i ng\u00e2n s\u00e1ch m\u1ed7i th\u00e1ng. V\u00e0i th\u00e1ng \u0111\u1ea7u kho\u1ea3n san b\u1eb1ng c\u00f2n m\u1ecfng n\u00ean c\u1ea7n th\u1eadn tr\u1ecdng.<\/p>\n<div style=\"background:#e8f5e9;border-left:4px solid #4caf50;padding:15px 20px;margin:20px 0;border-radius:4px\">\n<p><strong>Ba vi\u1ec7c n\u00ean l\u00e0m trong th\u00e1ng n\u00e0y<\/strong><\/p>\n<p>\u2013 T\u1ea3i sao k\u00ea hai th\u00e1ng g\u1ea7n nh\u1ea5t v\u00e0 gom chi ti\u00eau th\u00e0nh c\u00e1c nh\u00f3m l\u1edbn.<\/p>\n<p>\u2013 Li\u1ec7t k\u00ea kho\u1ea3n chi theo chu k\u1ef3 d\u00e0i c\u1ea3 n\u0103m r\u1ed3i quy v\u1ec1 m\u1ee9c m\u1ed7i th\u00e1ng.<\/p>\n<p>\u2013 \u0110\u1eb7t l\u1ecbch m\u01b0\u1eddi l\u0103m ph\u00fat cu\u1ed1i th\u00e1ng \u0111\u1ec3 r\u00e0 l\u1ea1i v\u00e0 s\u1eeda h\u1ea1n m\u1ee9c th\u00e1ng sau.<\/p>\n<\/div>\n<h2>6. C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<p><strong><em>1. N\u00ean l\u1eadp ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n theo th\u00e1ng hay theo k\u1ef3 nh\u1eadn l\u01b0\u01a1ng?<\/em><\/strong><\/p>\n<p>H\u00e3y ch\u1ecdn nh\u1ecbp tr\u00f9ng v\u1edbi l\u00fac ti\u1ec1n v\u1ec1. Ng\u01b0\u1eddi nh\u1eadn l\u01b0\u01a1ng m\u1ed9t l\u1ea7n m\u1ed7i th\u00e1ng th\u00ec l\u1eadp theo th\u00e1ng; ng\u01b0\u1eddi nh\u1eadn hai k\u1ef3 chia l\u00e0m hai n\u1eeda, m\u1ed7i n\u1eeda g\u00e1nh kho\u1ea3n \u0111\u1ebfn h\u1ea1n trong qu\u00e3ng.<\/p>\n<p><strong><em>2. Ghi ch\u00e9p bao l\u00e2u th\u00ec \u0111\u1ee7 \u0111\u1ec3 \u0111\u1eb7t h\u1ea1n m\u1ee9c s\u00e1t th\u1ef1c t\u1ebf?<\/em><\/strong><\/p>\n<p>Hai t\u1edbi ba th\u00e1ng th\u01b0\u1eddng \u0111\u1ee7 \u0111\u1ec3 l\u1ed9 ra c\u00e1c nh\u00f3m chi l\u1edbn. Ri\u00eang kho\u1ea3n chi chu k\u1ef3 d\u00e0i ch\u1ec9 hi\u1ec7n r\u00f5 khi nh\u00ecn l\u1ea1i c\u1ea3 n\u0103m.<\/p>\n<p><strong><em>3. Th\u00e1ng n\u00e0o c\u0169ng v\u01b0\u1ee3t h\u1ea1n m\u1ee9c th\u00ec n\u00ean l\u00e0m g\u00ec?<\/em><\/strong><\/p>\n<p>N\u1ebfu v\u01b0\u1ee3t \u1edf c\u00f9ng m\u1ed9t nh\u00f3m ba th\u00e1ng li\u00ean ti\u1ebfp, nhi\u1ec1u kh\u1ea3 n\u0103ng h\u1ea1n m\u1ee9c \u0111\u00f3 th\u1ea5p h\u01a1n nhu c\u1ea7u th\u1eadt ch\u1ee9 kh\u00f4ng ph\u1ea3i do thi\u1ebfu k\u1ef7 lu\u1eadt. H\u00e3y n\u00e2ng nh\u00f3m \u0111\u00f3 l\u00ean s\u00e1t s\u1ed1 th\u1eadt r\u1ed3i b\u00f9 \u1edf nh\u00f3m kh\u00e1c.<\/p>\n<p>T\u00f3m l\u1ea1i, <strong>c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch c\u00e1 nh\u00e2n h\u00e0ng th\u00e1ng<\/strong> hi\u1ec7u qu\u1ea3 b\u1eaft \u0111\u1ea7u t\u1eeb s\u1ed1 li\u1ec7u chi ti\u00eau th\u1eadt ch\u1ee9 kh\u00f4ng t\u1eeb b\u1ea3ng t\u1ef7 l\u1ec7 l\u00fd t\u01b0\u1edfng. T\u00e1ch ba nh\u00f3m chi, quy kho\u1ea3n chu k\u1ef3 d\u00e0i v\u1ec1 m\u1ee9c m\u1ed7i th\u00e1ng, ch\u1eeba d\u01b0 \u0111\u1ecba cho ph\u00e1t sinh v\u00e0 gi\u1eef nh\u1ecbp r\u00e0 so\u00e1t cu\u1ed1i th\u00e1ng l\u00e0 b\u1ed1n vi\u1ec7c gi\u00fap b\u1ea3n k\u1ebf ho\u1ea1ch tr\u1ee5 \u0111\u01b0\u1ee3c l\u00e2u. H\u00e3y ch\u1ec9nh d\u1ea7n theo ho\u00e0n c\u1ea3nh ri\u00eang thay v\u00ec \u0111\u00f2i m\u1ed9t b\u1ea3n ho\u00e0n h\u1ea3o ngay.<\/p>\n<p><em>N\u1ed9i dung b\u00e0i mang t\u00ednh tham kh\u1ea3o chung v\u1ec1 k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd chi ti\u00eau, kh\u00f4ng ph\u1ea3i t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ho\u00e1, kh\u00f4ng ph\u1ea3i khuy\u1ebfn ngh\u1ecb \u0111\u1ea7u t\u01b0 hay khuy\u1ebfn ngh\u1ecb d\u00f9ng b\u1ea5t k\u1ef3 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00e0o. M\u1ecdi con s\u1ed1 trong b\u00e0i ch\u1ec9 l\u00e0 v\u00ed d\u1ee5 minh ho\u1ea1. V\u1edbi quy\u1ebft \u0111\u1ecbnh v\u1ec1 vay n\u1ee3, b\u1ea3o hi\u1ec3m hay \u0111\u1ea7u t\u01b0, b\u1ea1n n\u00ean tham v\u1ea5n ng\u01b0\u1eddi c\u00f3 chuy\u00ean m\u00f4n.<\/em><\/p>\n<p><em>Minh An<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cu\u1ed1i th\u00e1ng nh\u00ecn l\u1ea1i th\u1ea5y ti\u1ec1n \u0111\u00e3 h\u1ebft m\u00e0 kh\u00f4ng nh\u1edb ti\u00eau v\u00e0o \u0111\u00e2u l\u00e0 t\u00ecnh hu\u1ed1ng nhi\u1ec1u ng\u01b0\u1eddi \u0111i l\u00e0m g\u1eb7p ph\u1ea3i. C\u00e1ch x\u1eed &#8230;<\/p>\n","protected":false},"author":58,"featured_media":29509,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-29529","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\/29529","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=29529"}],"version-history":[{"count":1,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/29529\/revisions"}],"predecessor-version":[{"id":29530,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/29529\/revisions\/29530"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media\/29509"}],"wp:attachment":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media?parent=29529"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/categories?post=29529"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/tags?post=29529"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}