{"id":17046,"date":"2021-07-09T16:11:01","date_gmt":"2021-07-09T09:11:01","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=17046"},"modified":"2024-10-30T14:30:22","modified_gmt":"2024-10-30T07:30:22","slug":"cach-quan-ly-tien-bac-trong-gia-dinh","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/cach-quan-ly-tien-bac-trong-gia-dinh\/","title":{"rendered":"B\u1eadt m\u00ed c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c trong gia \u0111\u00ecnh m\u00e0 kh\u00f4ng ph\u1ea3i ai c\u0169ng bi\u1ebft!"},"content":{"rendered":"\n
C\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c<\/a> trong gia \u0111\u00ecnh ch\u01b0a bao gi\u1edd l\u00e0 \u0111\u01a1n gi\u1ea3n. V\u1eady n\u00ean, h\u00e3y \u0111\u1ec3 JobsGO gi\u00fap b\u1ea1n gi\u1ea3m b\u1edbt n\u1ed7i lo toan b\u1eb1ng b\u00ed quy\u1ebft qu\u1ea3n l\u00fd chi ti\u00eau trong gia \u0111\u00ecnh hi\u1ec7u qu\u1ea3 d\u01b0\u1edbi \u0111\u00e2y.<\/span><\/i><\/span><\/p>\n M\u1ee5c l\u1ee5c<\/p> N\u1ebfu b\u1ea1n c\u00f2n l\u0103n t\u0103n ch\u01b0a r\u00f5 th\u00ec h\u00e3y tham kh\u1ea3o quy tr\u00ecnh 2 b\u01b0\u1edbc d\u01b0\u1edbi \u0111\u00e2y \u0111\u1ec3 c\u00f3 th\u1ec3 s\u1edf h\u1eefu c\u00e1ch chi ti\u00eau hi\u1ec7u qu\u1ea3 trong gia \u0111\u00ecnh.<\/span><\/p>\n Tr\u01b0\u1edbc ti\u00ean, vi\u1ec7c n\u1eafm \u0111\u01b0\u1ee3c t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a gia \u0111\u00ecnh l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng quan tr\u1ecdng. C\u1ee5 th\u1ec3, \u0111\u00f3 l\u00e0 thu nh\u1eadp c\u1ee7a t\u1ea5t c\u1ea3 nh\u1eefng th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh, c\u00f3 th\u1ec3 bao g\u1ed3m ti\u1ec1n l\u01b0\u01a1ng, l\u01b0\u01a1ng h\u01b0u, ti\u1ec1n ph\u1ee5 c\u1ea5p,…<\/span><\/p>\n T\u1eeb \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh v\u00e0 d\u1ef1 t\u00ednh nh\u1eefng kho\u1ea3n chi ph\u00ed b\u1ecf ra h\u00e0ng th\u00e1ng c\u1ee7a gia \u0111\u00ecnh. Ch\u1eb3ng h\u1ea1n nh\u01b0:<\/span><\/p>\n ? Xem th\u00eam: <\/strong><\/span>3 b\u01b0\u1edbc gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3<\/a><\/strong><\/span><\/span><\/p>\n Vi\u1ec7c n\u1eafm r\u00f5 c\u00e1c kho\u1ea3n thu – chi h\u00e0ng th\u00e1ng s\u1ebd gi\u00fap c\u00e1c b\u1ea1n ph\u00e2n b\u1ed5 t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n. V\u00e0 d\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p l\u1eadp b\u1ea3ng chi ti\u00eau, qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c gia \u0111\u00ecnh khoa h\u1ecdc \u0111\u00e3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ea5t th\u00e0nh c\u00f4ng m\u00e0 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o.<\/span><\/p>\n Ph\u01b0\u01a1ng ph\u00e1p JARS h\u01b0\u1edbng d\u1eabn m\u1ecdi ng\u01b0\u1eddi chia \u0111\u1ec1u chi ti\u00eau trong gia \u0111\u00ecnh th\u00e0nh 6 ph\u1ea7n kh\u00e1c nhau, \u0111\u00f3 l\u00e0:<\/span><\/p>\n C\u1ee5 th\u1ec3 v\u1ec1 t\u1ef7 l\u1ec7 c\u1ee7a t\u1eebng lo\u1ea1i chi ph\u00ed v\u00e0 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng th\u00ec c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o trong b\u1ea3ng chi ti\u00eau gia \u0111\u00ecnh h\u00e0ng th\u00e1ng d\u01b0\u1edbi \u0111\u00e2y:<\/span><\/p>\n B\u00ean c\u1ea1nh nh\u1eefng quy t\u1eafc t\u00e0i ch\u00ednh n\u1ed5i ti\u1ebfng nh\u01b0 quy t\u1eafc 6 chi\u1ebfc l\u1ecd<\/a><\/strong> th\u00ec c\u00f3 l\u1ebd b<\/span>\u1ea1n \u0111\u00e3 t\u1eebng nghe t\u1edbi ngh\u1ec7 thu\u1eadt ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c ng\u01b0\u1eddi Nh\u1eadt \u1ee9ng d\u1ee5ng r\u1ed9ng r\u00e3i hi\u1ec7n nay – ph\u01b0\u01a1ng ph\u00e1p Kakeibo hay ch\u01b0a? V\u1edbi Kakeibo, kh\u00f4ng kh\u00f3 hi\u1ec3u khi con ng\u01b0\u1eddi n\u01a1i \u0111\u00e2y n\u1ed5i ti\u1ebfng b\u1edfi l\u1ed1i s\u1ed1ng khoa h\u1ecdc v\u00e0 c\u00e1ch chi ti\u00eau h\u1ee3p l\u00fd trong gia \u0111\u00ecnh.\u00a0<\/span><\/p>\n \u1ee8ng d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y t\u1ee9c l\u00e0 h\u00e0ng th\u00e1ng, thu nh\u1eadp c\u1ee7a gia \u0111\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c chia v\u00e0o 4 phong b\u00ec kh\u00e1c nhau. M\u1ed7i phong b\u00ec t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ed9t m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng. Ch\u1eb3ng h\u1ea1n nh\u01b0:<\/span><\/p>\n Sau \u0111\u00f3, khi b\u1ea1n chi ti\u00eau cho m\u1ee5c \u0111\u00edch n\u00e0o th\u00ec b\u1ea1n s\u1ebd s\u1eed d\u1ee5ng ti\u1ec1n trong phong b\u00ec \u0111\u00f3. V\u00e0 h\u00e3y ki\u1ec3m tra l\u1ea1i k\u1ebf ho\u1ea1ch chi ti\u00eau v\u00e0o m\u1ed7i cu\u1ed1i tu\u1ea7n. C\u00e1ch t\u1ed1t nh\u1ea5t l\u00e0 b\u1ea1n n\u00ean th\u00e0nh th\u1eadt v\u00e0 t\u1ef1 tr\u1ea3 l\u1eddi 4 c\u00e2u h\u1ecfi sau:<\/span><\/p>\n Qua vi\u1ec7c trung th\u1ef1c v\u1edbi nh\u1eefng c\u00e2u h\u1ecfi tr\u00ean, b\u1ea1n s\u1ebd nh\u1eadn ra m\u00ecnh \u0111\u00e3 chi ti\u00eau khoa h\u1ecdc hay ch\u01b0a. T\u1eeb \u0111\u00f3, s\u1ebd c\u00f3 c\u00e1ch \u0111i\u1ec1u ch\u1ec9nh h\u1ee3p l\u00fd h\u01a1n trong nh\u1eefng tu\u1ea7n t\u1edbi, c\u1ee5 th\u1ec3 l\u00e0 th\u1eaft ch\u1eb7t chi ti\u00eau nh\u1eefng kho\u1ea3n kh\u00f4ng c\u1ea7n thi\u1ebft.<\/span><\/p>\n \u0110\u1ec3 c\u00e1c b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n, JobsGO<\/strong><\/span><\/a> c\u00f3 \u0111\u01b0a ra m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau theo ph\u01b0\u01a1ng ph\u00e1p Kakeibo: N\u1ebfu thu nh\u1eadp trung b\u00ecnh h\u00e0ng th\u00e1ng c\u1ee7a gia \u0111\u00ecnh b\u1ea1n l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng th\u00ec b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o c\u00e1ch chi ti\u00eau h\u1ee3p l\u00fd cho gia \u0111\u00ecnh 3 ng\u01b0\u1eddi nh\u01b0 sau:<\/span><\/p>\n Ph\u01b0\u01a1ng ph\u00e1p 50\/50 c\u0169ng l\u00e0 ph\u01b0\u01a1ng ph\u00e1p n\u00ean s\u1eed d\u1ee5ng trong qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c. Tuy nhi\u00ean, n\u1ebfu gia \u0111\u00ecnh b\u1ea1n g\u1ed3m nhi\u1ec1u kho\u1ea3n chi ph\u1ee9c t\u1ea1p th\u00ec ph\u01b0\u01a1ng ph\u00e1p n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn ho\u00e0n h\u1ea3o b\u1edfi n\u00f3 ch\u1ec9 th\u00edch h\u1ee3p \u00e1p d\u1ee5ng v\u1edbi nh\u1eefng chi ti\u00eau \u0111\u01a1n gi\u1ea3n. C\u1ee5 th\u1ec3, b\u1ea1n s\u1ebd chia thu nh\u1eadp c\u1ee7a gia \u0111\u00ecnh th\u00e0nh 2 kho\u1ea3n b\u1eb1ng nhau: m\u1ed9t ph\u1ea7n l\u00e0 sinh ho\u1ea1t ph\u00ed ph\u1ee5c v\u1ee5 cho cu\u1ed9c s\u1ed1ng th\u01b0\u1eddng ng\u00e0y, ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c ti\u1ebft ki\u1ec7m cho m\u1ee5c ti\u00eau chung.<\/span><\/p>\n C\u00f3 l\u1ebd, quy t\u1eafc 50\/20\/30 \u0111ang \u0111\u01b0\u1ee3c c\u00e1c gia \u0111\u00ecnh \u00e1p d\u1ee5ng nhi\u1ec1u nh\u1ea5t hi\u1ec7n nay b\u1edfi s\u1ef1 thi\u1ebft th\u1ef1c v\u00e0 \u01b0u vi\u1ec7t c\u1ee7a n\u00f3. Ph\u01b0\u01a1ng ph\u00e1p 50\/20\/30 t\u1ee9c l\u00e0 b\u1ea1n s\u1ebd chia thu nh\u1eadp c\u1ee7a gia \u0111\u00ecnh th\u00e0nh 3 ph\u1ea7n v\u1edbi t\u1ef7 l\u1ec7 l\u1ea7n l\u01b0\u1ee3t l\u00e0 50%, 20% v\u00e0 30%, trong \u0111\u00f3:<\/span><\/p>\n Tuy nhi\u00ean, t\u1ef7 l\u1ec7 c\u1ee7a c\u00e1c chi ph\u00ed n\u00e0y kh\u00f4ng c\u1ed1 \u0111\u1ecbnh. Ch\u1eb3ng h\u1ea1n, trong th\u1ef1c t\u1ebf, n\u1ebfu s\u1ed1 ti\u1ec1n d\u00e0nh cho chi ti\u00eau linh ho\u1ea1t c\u00f2n d\u01b0 d\u1ea3 th\u00ec b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n ph\u1ea7n d\u01b0 \u0111\u00f3 sang 20% chi ph\u00ed ti\u1ebft ki\u1ec7m.\u00a0<\/span><\/p>\n ? Xem th\u00eam: <\/strong><\/span>3 \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh kh\u00f4ng th\u1ec3 thi\u1ebfu d\u00e0nh cho ng\u01b0\u1eddi tr\u1ebb<\/a><\/strong><\/span><\/span><\/p>\n Ngo\u00e0i nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0a tr\u00ean, JobsGO c\u00f2n d\u00e0nh t\u1eb7ng b\u1ea1n 1 s\u1ed1 m\u1eb9o sau \u0111\u00e2y gi\u00fap b\u1ea1n xua tan n\u1ed7i lo qu\u1ea3n l\u00fd chi ti\u00eau. \u0110\u00f3 l\u00e0:<\/span><\/p>\n V\u1edbi h\u01b0\u1edbng d\u1eabn chi ti\u1ebft v\u1ec1 c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c trong gia \u0111\u00ecnh \u1edf tr\u00ean, ch\u1eafc h\u1eb3n c\u00e1c b\u1ea1n \u0111\u00e3 t\u00ecm \u0111\u01b0\u1ee3c l\u1eddi gi\u1ea3i \u0111\u00e1p cho nh\u1eefng r\u1eafc r\u1ed1i v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. Ngo\u00e0i ra, b\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u v\u1ec1 hi\u1ec7n kim l\u00e0 g\u00ec<\/strong><\/a>, v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn r\u00f5 h\u01a1n v\u1ec1 c\u00e1ch th\u1ee9c qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y. N\u1ebfu b\u00e0i vi\u1ebft h\u1eefu \u00edch v\u1edbi b\u1ea1n th\u00ec \u0111\u1eebng ng\u1ea1i d\u00e0nh 1 like v\u00e0 share cho JobsGO nh\u00e9!<\/span><\/p>\n1. H\u01b0\u1edbng d\u1eabn chi ti\u1ebft c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c trong gia \u0111\u00ecnh<\/b><\/span><\/span><\/h2>\n
1.1. B\u01b0\u1edbc 1: Li\u1ec7t k\u00ea c\u00e1c kho\u1ea3n thu – chi h\u00e0ng th\u00e1ng<\/b><\/span><\/span><\/h3>\n
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1.2. B\u01b0\u1edbc 2: L\u1eadp b\u1ea3ng chi ti\u00eau gia \u0111\u00ecnh<\/span><\/b><\/span><\/span><\/h3>\n
1.2.1. Ph\u01b0\u01a1ng ph\u00e1p JARS – ph\u01b0\u01a1ng ph\u00e1p 6 h\u0169 t\u00e0i ch\u00ednh<\/b><\/span><\/span><\/h4>\n
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1.2.2. Ph\u01b0\u01a1ng ph\u00e1p Kakeibo Nh\u1eadt B\u1ea3n<\/b><\/span><\/span><\/h4>\n
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1.2.3. Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd chi ti\u00eau \u0111\u01a1n gi\u1ea3n (50\/50)<\/b><\/span><\/span><\/h4>\n
1.2.4. Ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd chi ti\u00eau hi\u1ec7u qu\u1ea3 theo quy t\u1eafc 50\/20\/30<\/b><\/span><\/span><\/h4>\n
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2. \u201cN\u1eb1m l\u00f2ng\u201d nh\u1eefng m\u1eb9o qu\u1ea3n l\u00fd chi ti\u00eau gia \u0111\u00ecnh hi\u1ec7u qu\u1ea3<\/b><\/span><\/span><\/h2>\n
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