{"id":2712,"date":"2019-04-16T11:43:43","date_gmt":"2019-04-16T04:43:43","guid":{"rendered":"https:\/\/blogs.jobsgo.vn\/?p=2712"},"modified":"2024-12-02T10:23:56","modified_gmt":"2024-12-02T03:23:56","slug":"quan-ly-tai-chinh-hieu-qua-voi-cong-thuc-50-30-20","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/quan-ly-tai-chinh-hieu-qua-voi-cong-thuc-50-30-20\/","title":{"rendered":"Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 v\u1edbi c\u00f4ng th\u1ee9c 50-30-20"},"content":{"rendered":"\n
C\u00f4 g\u00e1i n\u1ecd 7 n\u0103m \u0111i l\u00e0m, t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 g\u00ec ngo\u00e0i qu\u1ea7n \u00e1o. Nh\u1eefng n\u0103m sinh vi\u00ean 25-30 m\u00ec t\u00f4m n\u01b0\u1edbc l\u1ecdc. 2 n\u0103m \u0111i l\u00e0m, l\u00e0m \u0111\u1ebfn \u0111\u00e2u ti\u00eau \u0111\u1ebfn \u0111\u00f3, kh\u00f4ng t\u00edch n\u1ed5i 1 \u0111\u1ed3ng \u0111\u1ec3 lo cho t\u01b0\u01a1ng lai, l\u00fac \u1ed1m \u0111au kh\u00f4ng c\u00f3 ti\u1ec1n mua thu\u1ed1c, kh\u00f4ng lo \u0111\u01b0\u1ee3c vi\u1ec7n ph\u00ed d\u00f9 \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m h\u1ed7 tr\u1ee3. C\u00e2u chuy\u1ec7n n\u00e0y nghe c\u00f3 quen v\u1edbi b\u1ea1n kh\u00f4ng?<\/span> C\u00f9ng ph\u1ea7n m\u1ec1m t\u00ecm vi\u1ec7c JobsGO<\/a> \u0111i\u1ec3m qua c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh 50-30-20 nh\u00e9! <\/span><\/p>\n<\/div>\n<\/div>\n M\u1ee5c l\u1ee5c<\/p> Cho d\u00f9 b\u1ea1n l\u00e0 ai, \u0111\u1ebfn v\u1edbi Tr\u00e1i \u0110\u1ea5t n\u00e0y v\u1edbi m\u1ee5c \u0111\u00edch g\u00ec th\u00ec b\u1ea1n c\u0169ng c\u1ea7n \u0111\u00e1p \u1ee9ng \u0111\u1ee7 c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu tr\u01b0\u1edbc khi ngh\u0129 \u0111\u1ebfn b\u1ea5t c\u1ee9 chuy\u1ec7n g\u00ec kh\u00e1c. V\u1edbi m\u1ed9t n\u1eeda qu\u1ef9 l\u01b0\u01a1ng h\u00e0ng th\u00e1ng n\u00e0y b\u1ea1n ph\u1ea3i xoay x\u1edf tr\u1ea3 ti\u1ec1n nh\u00e0, ti\u1ec1n \u0103n ti\u1ec1n u\u1ed1ng, ti\u1ec1n x\u0103ng xe, \u0111i\u1ec7n n\u01b0\u1edbc, ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i, 3G,… C\u00f3 l\u1ebd v\u1edbi nh\u1eefng ai ph\u1ea3i thu\u00ea nh\u00e0 th\u00ec ti\u1ec1n nh\u00e0 s\u1ebd ng\u1ed1n ph\u1ea7n l\u1edbn 50% \u0111\u1ea7u ti\u00ean n\u00e0y.<\/span><\/p>\n \u0110\u00f3i kh\u1ed5 v\u1ec1 v\u1eadt ch\u1ea5t nh\u01b0ng quy\u1ebft kh\u00f4ng thi\u1ebfu th\u1ed1n v\u1ec1 tinh th\u1ea7n. Cho d\u00f9 \u0111\u1ed3ng l\u01b0\u01a1ng \u00edt \u1ecfi b\u1ea1n c\u0169ng kh\u00f4ng n\u00ean d\u1ed3n h\u1ebft ch\u00fang ch\u1ec9 \u0111\u1ec3 duy tr\u00ec s\u1ef1 s\u1ed1ng, nh\u01b0 v\u1eady b\u1ea1n s\u1ebd s\u1edbm ch\u00e1n gh\u00e9t cu\u1ed9c \u0111\u1eddi m\u1ea5t th\u00f4i. H\u00e3y c\u1ee9 d\u00e0nh 30% thu nh\u1eadp c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u00e0m nh\u1eefng \u0111i\u1ec1u b\u1ea1n mong mu\u1ed1n, nh\u1eefng \u0111i\u1ec1u l\u00e0m b\u1ea1n th\u1ea5y h\u1ea1nh ph\u00fac \u0111\u1ec3 c\u00f3 th\u00eam \u0111\u1ed9ng l\u1ef1c chi\u1ebfn \u0111\u1ea5u. 30% n\u00e0y b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ec3 \u0111i \u0103n ti\u1ec7m, l\u00e0m \u0111\u1ea7u, mua nh\u1eefng b\u1ed9 \u0111\u1ed3 m\u1edbi hay t\u00edch l\u1ea1i \u0111\u1ec3 \u0111i du l\u1ecbch,…<\/span><\/p>\n R\u1ea5t d\u1ec5 hi\u1ec3u th\u00f4i n\u1ebfu b\u1ea1n mu\u1ed1n c\u00f3 ti\u1ec1n c\u01b0\u1edbi v\u1ee3 mua nh\u00e0, c\u00f3 ti\u1ec1n ph\u00f2ng khi b\u1ea5t tr\u1eafc kh\u00f3 kh\u0103n b\u1ea1n nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i ti\u1ebft ki\u1ec7m. Tuy nhi\u00ean c\u00f3 r\u1ea5t nhi\u1ec1u c\u00e1c \u0111\u1ec3 b\u1ea1n gi\u1eef 20% n\u00e0y. An to\u00e0n nh\u1ea5t l\u00e0 c\u1ee9 g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng r\u1ed3i \u0111\u1ee3i ch\u00fang sinh l\u1eddi. C\u00f2n kh\u00f4ng b\u1ea1n c\u00f3 th\u1ec3 d\u00f9ng ch\u00fang \u0111\u1ec3 \u0111\u1ea7u t\u01b0. \u0110\u1ea7u t\u01b0 v\u00e0o g\u00ec l\u00e0 l\u1ef1a ch\u1ecdn c\u1ee7a b\u1ea1n nh\u01b0ng v\u1edbi t\u00f4i, t\u00f4i s\u1ebd l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ph\u00e1t tri\u1ec3n b\u1ea3n th\u00e2n. Nh\u01b0ng b\u1ea1n ch\u1ec9 n\u00ean l\u00e0m v\u1eady khi ch\u1eafc ch\u1eafn b\u1ea1n s\u1ebd kh\u00f4ng phung ph\u00ed 20% qu\u00fd gi\u00e1 n\u00e0y, h\u00e3y \u0111\u1eb7t m\u1ee5c ti\u00eau khi n\u00e0o kho\u1ea3n ti\u1ec1n \u0111\u00f3 b\u1eaft \u0111\u1ea7u \u0111\u1ebb l\u00e3i cho b\u1ea1n v\u00e0 \u0111\u1ea3m b\u1ea3o ho\u00e0n th\u00e0nh n\u00f3.<\/span><\/p>\n Nghe r\u1ea5t \u0111\u01a1n gi\u1ea3n \u0111\u00fang kh\u00f4ng n\u00e0o. Nh\u01b0ng th\u1ef1c l\u00f2ng th\u1ef1c hi\u1ec7n l\u1ea1i kh\u00f4ng d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c nh\u01b0 th\u1ebf. Ch\u00fang ta th\u01b0\u1eddng c\u00f3 xu h\u01b0\u1edbng \u0111em 30% cho mong mu\u1ed1n hi\u1ec7n t\u1ea1i g\u1ed9p v\u00e0o v\u1edbi 50% cho nhu c\u1ea7u c\u1ea5p thi\u1ebft v\u00e0 ti\u00eau s\u1ea1ch ch\u00fang cho nh\u1eefng nhu c\u1ea7u h\u00e0ng ng\u00e0y. Kh\u00f4ng d\u1eebng \u1edf \u0111\u00f3 sau khi h\u1ebft 80% thu nh\u1eadp m\u00e0 ch\u01b0a c\u00f3 s\u1edf th\u00edch nguy\u1ec7n v\u1ecdng n\u00e0o \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, ch\u00fang ta l\u1ea1i \u201ct\u1eb7c\u201d l\u01b0\u1ee1i ti\u00eau n\u1ed1t 20% c\u00f2n l\u1ea1i. N\u1ebfu b\u1ea1n mu\u1ed1n r\u01b0\u1edbc \u0111\u01b0\u1ee3c n\u00e0ng th\u00ec ph\u1ea3i nghi\u00eam kh\u1eafc v\u1edbi b\u1ea3n th\u00e2n nh\u00e9, v\u00e0 \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 \u00e1p d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n hi\u1ec7u qu\u1ea3<\/strong><\/a> \u0111\u1ec3 duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n.<\/span><\/p>\n Tuy nhi\u00ean c\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng, quy t\u1eafc 50\/20\/30 n\u00e0y kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t c\u00e1ch ho\u00e0n h\u1ea3o cho m\u1ecdi ng\u01b0\u1eddi trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p m\u00e0 ch\u00fang ch\u1ec9 l\u00e0 h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t c\u00e1ch linh ho\u1ea1t cho qu\u1ef9 ng\u00e2n s\u00e1ch c\u1ee7a m\u00ecnh. B\u1ea1n c\u00f3 th\u1ec3 linh ho\u1ea1t thay \u0111\u1ed5i t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m d\u1ef1a v\u00e0o nh\u1eefng \u01b0u t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n. Ngo\u00e0i ra n\u1ebfu m\u1ee9c thu nh\u1eadp c\u1ee7a b\u1ea1n kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u hi\u1ec7n t\u1ea1i, h\u00e3y nghi\u00eam t\u00fac t\u00ecm vi\u1ec7c l\u00e0m<\/strong><\/a> m\u1edbi t\u1ed1t h\u01a1n. \u0110\u1ed3ng th\u1eddi, b\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u l\u00e3i su\u1ea5t \u0111i\u1ec1u h\u00e0nh l\u00e0 g\u00ec<\/strong><\/a> \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 \u0111\u1ebfn thu nh\u1eadp v\u00e0 c\u00e1c kho\u1ea3n vay, t\u1eeb \u0111\u00f3 \u0111i\u1ec1u ch\u1ec9nh k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd. \u0110\u00e1nh gi\u00e1 post C\u00f4 g\u00e1i n\u1ecd 7 n\u0103m \u0111i l\u00e0m, t\u00e0i s\u1ea3n kh\u00f4ng c\u00f3 g\u00ec ngo\u00e0i qu\u1ea7n \u00e1o. Nh\u1eefng n\u0103m sinh vi\u00ean 25-30 m\u00ec t\u00f4m n\u01b0\u1edbc l\u1ecdc. 2 n\u0103m \u0111i l\u00e0m, l\u00e0m \u0111\u1ebfn \u0111\u00e2u ti\u00eau \u0111\u1ebfn \u0111\u00f3, kh\u00f4ng t\u00edch n\u1ed5i…<\/p>\n","protected":false},"author":27,"featured_media":2715,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_yoast_wpseo_focus_keyphrase":"","faq":"","nganh_nghe_chuc_vu_lien_quan":["Ki\u1ec3m So\u00e1t T\u00e0i Ch\u00ednh"]},"categories":[226,1032],"tags":[1064,1079,1072,1078,158,153,157],"yoast_head":"\n<\/span><\/p>\n
1. 50% cho nhu c\u1ea7u thi\u1ebft y\u1ebfu<\/strong><\/span><\/span><\/h4>\n
2. 30% cho mong mu\u1ed1n hi\u1ec7n t\u1ea1i<\/strong><\/span><\/span><\/h4>\n
3. 20% cho t\u01b0\u01a1ng lai<\/strong><\/span><\/span><\/h4>\n
\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"