Bai Viet Hay Ve Tai Chinh CA Nhan

8/6/2019 Bai Viet Hay Ve Tai Chinh CA Nhan

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7 nguyn tc vng ca s giu c(Sc tr VN) -- Bn mong mun s giu c v thnh t? Cc chuyn gia ti chnh gi n bn 7nguyn tc vng.

1. Lun c nhiu ngun thu nhp

Khng bao gi da vo mt khon thu nhp t mt ngun duy nht.

2. Ngay khi bn bt u kim tin, hy dnh ra mt khon coi nh ngun ti chnh d tr

N s thc s c ch trong trng hp bn phi huy ng ngun vn tc thi.

t ra quy nh khng dng n s tin khi khng thc s cn.

3. Lun t mnh mt n cc khon thu

Nu c th, hy t mnh qun l s tin mnh kim c. Khng bao gi ngi khc c quyn quyt nh vvic s dng ngn qu ca bn m cha c bn ng .

Ngay c vi ngi bn i ca bn, i khi khng nht thit bn phi cng khai mi khon thu ca ring mnh.Tnh v tin khng phi l hai th c th nhp nhng.

Lun qun l cht ch tin bc ca mnh. Hn ch ti a vic cho ngi khc vay mn.

4. Phn bit r rng u t v chi tiu

Chi tiu l vic bn s dng tin tha mn nhu cu trong cuc sng m khng mong nhn li c. Trongkhi , u t c th mang ti cho bn nhiu tin hn, nhiu ti sn v cng c kim tin hn.

iu quan trng l bn cn xc nh khi no nn u t v u t bao nhiu l hp l.

5. Chi tiu tit kim

Hn ch mc thp nht nhng khon chi khng cn thit. Tht v ngha nu bn mun tr nn giu c mkhng t ra khn ngoan trong cc v mua sm.

6. Trnh cc khon vay

Khng bao gi vay tin nu bn khng bit chc mnh kh nng tr.

Khng bao gi mua bt c vt dng no bng nhng khon thu trong tng lai.

7. Lun c gng kim nhiu hn tiu xi

Trong trng hp bn khng th kim c nhiu hn nhng g bn phi chi tiu, hy chi tiu bt i. cth l mt vic kh khn, nhng tr nn giu c, bn phi bt u t vic kim nhiu, tiu t v lun titkim.

Hi Minh -Sc Tr Vit Nam

Nn tit kim khn ngoan t khi cn trTT - Mt cuc trao i th v gia PV Tui Tr vi nhng chuyn gia ti chnh v qun l ti chnh cnhn v ti chnh gia nh (TCCN-G). ti ny tip tc c m rng vi cu chuyn chi tiu ca haib v.

y l li khuyn ca chuyn gia ti chnh Larry Trng v din gi Quch Tun Khanh

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* Tha hai anh, qun l TCCN-G c ngha th no trong tnh hnh kinh t kh khn hin nay?

- D trong hon cnh no, kinh t chung kh khn hay thun li, mi c nhn cng nn xy dngk hoch qun l ti chnh cho ring mnh. K hoch ty thuc tng hon cnh c th. Nhngt nht trong k hoch phi c khon tit kim nh k 20% thu nhp hng thng. y l khondnh chi tr nhng bt trc ng thi l khon tch ly.

* Xin anh Larry Trng cho mt v d c th?

- V d mt gia nh c thu nhp 5 triu ng/thng. Hng thng gia nh s trch ra 1 triu ng dnh, cng quyt khng ng vo s tin . Tt c chi tiu phi c gng xoay x trong 4triu ng cn li. D nhin thc hin iu ny khng h d, bi gim bt 20% buc tay hm chakha gia nh phi cn nhc tng t mt.

H phi bin mnh thnh k ton trng ca gia nh, cng b cho cc thnh vin trong nh bittin c s dng nh th no cng thc hin tit kim, ng thi cng khng gia nhthiu thn. n mt lc no mi ngi s t c t do ti chnh hon ton.

* Tha anh Khanh, l ngi thng t chc cc lp hc v qun l TCCN-G, anh thy hc vinthng gp kh khn g trong vic tr thnh k ton trng cho bn thn?

- Ti xin cp nhng mu s chung. ph n c nhng khon chi kh xa x nh mua mphm t tin do b... d chng trnh khuyn mi no , v li khng s dng c v khnghp da. Hoc qun o thi trang, mua cht t m c nm mc 1-2 ln v khng c dp l kiunm tin qua ca s bi tiu dng khng hu hiu, ngi mua khng t vn xem vt mua c tht s cn thit khng.

n ng cng vy. Nu h dnh thi gian ngi tnh li nhng khon chi tiu: c ph, giao lubn b, nhu nht, thuc l v cng li sau mt thng, ti tin s khng t ngi git mnh. Vnhiu ngi chi cho nhng khon gn 50% thu nhp ca mnh.

Nu c v v chng trong mt gia nh u vng vo mu s ny, xem nh kinh t gia nh kh c kh nng tch ly c.

* Th nhng nu ci g cng tht lng buc bng th rt d thnh h khc vi bn thn v gianh?

- Quch Tun Khanh: Thc cht sng tit kim khng c ngha l keo kit, m l g mnh trongmt khun kh bo m mc chi tiu hp l trong gia nh. Cng phi c tin dnh dm phngkhi m au, s c. Ri lo chuyn u t, hc hnh cho con ci Nu mi ngi ngh ti nhngchuyn nh vy s thy nim vui nht thi nh c ph, thuc l, ru ch n m... khng cn ngha trng yu na.

* Lm th no nhng ngi c thu nhp khng cao c th t do hon ton v ti chnh?

- Larry Trng: Ngi ta ch nhn 20% ca mt thng ch khng thy 20% ca mt nm, ri 20%ca 5-10-20-30 nm. Trong ngnh ti chnh c khi nim: quyn nng ca li sut kp. l quytc 72: Ly 72 chia cho li sut trn n v thi gian s bng thi gian vn tng gp i nhli sut kp. V d nu li sut ngn hng l 9%/nm th mt khong tm nm s tin ngi s tng t 1 ng thnh 2 ng.

- Quch Tun Khanh: Ni cch khc, nu mt ngy mnh tit kim 10.000 ng, mt thng c300.000 ng, li sut c nh 10% (li kp) th sau nm nm mnh c hn 22,968 triu, 15 nmc 119 triu, 40 nm s c 1 t 665 triu 104 ngn ng. Nu mun c nhiu hn th c th nhnln. Th nn ti vn thng ni vi mi ngi nn dnh t khi cn tr.

* Thch thc no ln nht trong qun l TCCN-G theo cch tit kim nh trn?

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- Larry Trng: C hai thch thc ln. u tin, khng bao gi c ng ti s tin ny trongvng 30-40 nm m n t sinh li. Nu nm nm, thy c tin li ly ra mua sm, chi tiu g th ht sch. Th hai l phi tit kim u n mi thng. Mi ngi phi t cam kt vi bnthn xem s tin tch ly nh l tin m ti t tr lng cho mnh trong tng lai. Khngc tm ng tng lai cho hin ti, cho n khi no c t do ti chnh hon ton, khng cnlm vn c tin sng.

LAM LINHthc hin

Lp k hoch chi tiu

kh: Trung bnh

Thi gian yu cu: 1 gi

1. Tng cng thu nhp ca bn

Tnh ton s tin bn kim c mi thng - chnh l cc ngun thu nhp m bn bit chc chn bn c thda vo.

Thu nhp: ______________________

2. nh gi chi tiu hng thng ca bn

Ln danh sch nhng mc cn chi tiu hng thng, bao gm c chi ph cho vic vui chi, gii tr, thanh ton nnn...

Tng chi tiu : _______________

3. Ly tng thu nhp tr i tng chi tiu hng thng

Kt qu thu c s cho bn bit bn cn li bao nhiu sau khi m bo hon thnh tt c cc khon chi.

S tin cn li : _______________

4. Tr thm bt c khon chi tiu ph tri noXem xt li bn k hoch chi tiu cho thng ti v ghi ch v tt c nhng khon chi ph tri bao gm (nhngkhng gii hn) cc chi ph sa cha nh ca, ha n y t, qu tng, tic tng, n ngoi... Ly kt qu bc 3 tr tip i s tin ph tri ny.

S tin cn li: _______________

5. Thit k khon tin d phng

Xem xt khon tin c th d ra sau khi tr ht cc chi ph cn thit theo d tnh v quyt nh liu s tin cnli ny c dng cho cc trng hp khng mong i (sa cha xe c, ha n y t...).

Nu bn khng bit r cn khong bao nhiu, 10% s tin cn li sau khi chi l gi tt.Khon tin d phng :_______________

6. Nghin cu li ngn qu ca bn

Nu ngn qu ca bn ang hng ti kt cc khng my sng sa, xem xt li mt ln na cc khon chitrong thng v tm ra cc hng mc cn ct gim. Tin hnh vic ny cho n khi ngn qu cn bng tr li.

7. u t cho chnh bn

S dng bt k khon tin cn li no thanh ton n nn, tit kim v u t.3
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Khon tin u t : ___________________

Lu

1. m bo vic chi tiu, hy chc chn rng bn c th hon thnh k hoch chi tiu ngay trc khi thngmi bt u.

2. ng ngn ngi to ra nhng thay i cn thit cho k hoch chi tiu ca bn nu c bt k tc ng no.

3. Khng bao gi xy ra trng hp 2 thng ging ht nhau. V vy, m bo rng bn lun c k hoch chitiu mi cho tng thng.

Nhng li khuyn ti chnh hu ch

1. Li khuyn v cch tit kim

Khng quan trng bn kim c bao nhiu, d l rt t, lun lun dnh ra mt khon.

Trong 10 nm u ca cuc sng v chng, hy tit kim tht nhiu.

iu c ngha l bn phi hc cch a ra tht nhiu la chn ng: cch chi tiu hng ngy, cch lm mivic t mnh khng tn khon tin thu

2. Li khuyn v chi tiu

Lun xc nh r s khc bit gia nhng g bn cn v nhng g bn mun

C nhng mn cho d bn st sng mun c n my nhng li cha thc s cn thit, hy kim ch cmhng mua sm ca mnh.

Mt chic tivi mu c th l th bn mun nhng mt chic in thoi tin cho vic lin lc li l th bn cnhn.

Hy u t nhng khon chi ca mnh mt cch hp l trnh nguy c rng ti c th xy ra bt c lc no.

Ngh v gi tr thc ca sn phm

Bt c th g bn mun mua u c nhng mc gi nht nh v khng phi ca hng no bn cng tm thymt hng m gi c nh nhau.

Nu bn nh mua mt chic ly tuyt p by trn bn, hy ngh n gi thc ca mt hng ny: bn philau chi n thng xuyn, lun phi gi gn trnh xa tm tay tr nh, gi bc cn thn nu phi dn nh,chuyn nh Gi tr thc cn cao hn nhiu so vi khon tin bn b ra ban u.

V by gi iu bn cn lm l tm mt vt dng khc hu ch hn.

Cht lng l yu t hng u

Nhiu bn tham r c th phi hi tic v hn s dng chng c bao lu ca mn , cha k nhng chiph sa cha pht sinh.

Nu c th, hy trang b cho ngi nh thn yu ca bn nhng vt dng quan trng v cht lng cao mbo bn, tnh an ton v s chc chn cho ti tin ca bn.

3. Li khuyn v cc khon n

ng tr cho bt c th g mt gi tr

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Bn s phi tit kim nhng khon tin chi ph cho nhng s kin quan trng trong i nh m ci, nh cav ngh hu. Hy c gng thanh ton nhng khon bng ngn qu ca mnh thay v phi i vay, mn. iuny s m bo an ton ti chnh cho bn.

4. Li khuyn v s giu sang

Nu bn mun nhiu tin hn, hy i ra ngoi v tm cch kim nhiu tin

Lun c cc gii hn v vic bn c th kim v tit kim c bao nhiu. Thng thng, cch nhanh nht thot khi cc khon n cng nh xy dng cuc sng giu sang, thoi mi l kim thm nhiu khon thukhc.

Bn s phi lm vic, chm ch v tch cc cho n khi bn khng th lm c na. Ngay trong thi gian cni hc, bn c th t mnh m nhim mt s cng vic lm thm n gin. Khng nhng hc hi cnhiu kinh nghim, chng cn gip bn tch ly mt khon tin kha kh.

T mnh kinh doanh

Nhng ngi giu c nht hu ht u s hu cng ty ca ring h. Quyt nh ti chnh quan trng nht mh tng a ra c c tng lai ca nhng triu ph l mua chnh c s vt cht ni tin hnh cc cngvic kinh doanh ca h.

Trong rt nhiu trng hp, cc trang thit b l ti sn gi tr lu bn hn c bn thn nghnh kinh doanhkhi h i n cui s nghip ca mnh.

Hi Minh -Sc Tr Vit NamTheo MSN 7 quyt nh ti chnh ln nht cuc iTrong cuc i mi con ngi ai cng c lc phi a ra cc quyt nh trng i. Di y l nhngquyt nh c th nh hng n tnh hnh ti chnh ca bn.1. Cch bn x l cc nguy c ri ro

Cuc sng lun gn lin vi cc ri ro nh bnh tt, mt mt, ha hon, Cch bn x l chng nh hngn tt c cc lnh vc trong cuc sng bao gm c ti chnh.

2. S la chn ngh nghip

Cc cng vic khc nhau s cho bn nhng mc lng khc nhau do vy s la chn ngh nghip (lm g?lm trong lnh vc no?) gp phn quan trng vo vic quyt nh tnh hnh ti chnh ca bn.

3. Phong cch sng

Bn nh xy dng mt phong cch sng nh th no, hoang ph hay tit kim, hng th hay tn tin?

4. Cch bn kim sot n nn

Bn tiu xi hoang ph, tiu nhiu hn mc kim c? Bn ang khng bit cch kim sot chi tiu y. iu

ny s khin cho bn lc no cng trong tnh trng n nn?5. Bo v ti sn

Bn p dng nhng bin php an ninh ti chnh no? y l mt iu v cng quan trng. Kim c tin l mt vic kh nhng nu khng c nhng bin php bo v ti sn, tin bc hp l th mt ngy no chng c th khng cnh m bay v tnh hnh ti chnh ca bn cng s b nh hng nng n.

6. Bn mun c bao nhiu a con

Ngy nay cc cp v chng thng c khuyn rng ch nn c t mt n hai con nui dy cho tt. Vicnui dy cho tt ny i hi ngoi thi gian bn dnh cho con ci cn lin quan n vn ti chnh. By gi

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nui mt a con tht t t s tn ca bn khng t tin ca. Do vy, hy da vo tnh hnh ti chnh hin ticng nh trong tng lai bn a ra mt quyt nh chnh xc xem mnh nn c bao nhiu a con.

7. Hn nhn

Kt hn c th khin ti chnh ca bn tng ln gp i nhng cng hay cn thn vi vic phn chia ti snnu nh cuc hn nhn ca bn chng may b tan v. Tnh hnh ti chnh ca bn s b thay i.

Th Trang - Sc Tr Vit NamTn dng a CD c hng lm chi cho conNhng chic a CD, VCD yu thch tha no theo thi gian dn xc hng, hoc chng lin quang n vn thi gian m ch n thun b b nh bn d cho 1 nht - th l to. Vt vo thngrc cho gn nh?! Hy khoan, n c th l th chi b ch cho b m li min ph v bn trtin ri m.

Trong qu trnh ghi a, mnh lm pht sinh 1 s a hng nn ngh cc tr sau. Trnh by theotun t t n gin n phc tp.

I. Cc tr chi nhn thc1. Ly t hp chi: nhn bit l ci a, hnh dng, mu sc...gip b tng vn t, kh nngnghe hiu, nhn thc v hnh dng mu sc.2. Bn a hoc trao i : gip b hc m t 1 -103. Thi lm a nhanh: ri a trn sn nh, b m v con ci thi xem ai lm c nhiu nht. Ltr chi vn ng gip b hon thin kh nng vn ng, kho bn tay. C th kt hp thnhnhm dy b tnh tp th, lm vic theo nhm, tng tnh canh tranh tr chi cng hp dnII. Cc tr chi tng k nng vn ng v kho lo1. Thi xoay a cho quay trn, a ca ai quay lu hn th ngi thng: tng kho cho tay2. Thi ln a: nn chi theo nhm cng cc b ln hn b nhanh chng bt chc cc anh ch.Cch chi: ngi cng mt vch, ln a ( mt cnh) n ch l tng, nu chm c tng ria mi th tnh l 10 im, trc khi chm ch th ty theo xa m tnh im...y l trchi mang tnh gio dc tng hp: k nng, s m, php cng, tinh thn lm vic theo nhm,tinh thn cnh tranh, tn trng tun t lun phin...Vui hn na nu c gii thng cho nhm cs im cao nht.

Chc vuiBi vit bn quyn ca M Tiu Tiu.

Cch lm giu n gin p dng cho mi ngiCch lm giu n gin p dng cho mi ngiVi cch ny d bn xut pht t vch no, th xc sut dng thu nhp th ng (sau 20 nm, 30nm) ca bn s ln bn trang tri mi chi ph sinh hot hng ngy m khng cn i lm.C qu nhiu tranh lun v lm giu, nhng c l kh c th thng nht c vi nhau, ngay ccc quan im c Robert Kyosaki trnh by trong Rich Dad Poor Dad cng b rt nhiu ngiphn i. Nhiu quan im a ra thm ch cn rt nguy hi khi xuyn sut tc phm tc gic v cho con ng khi nghip to dng doanh nghip, con ng m xc sut thnh cng pdng cho mi ngi ( mi tng lp khc nhau, hc vn khc nhau, tr tu khc nhau) ch mckhng qu 3%. Khuyn mi ngi i mt con ng m xc sut tht bi n 97% hon tonkhng phi l mt li khuyn tt, c bit khi cc bn tr t kinh nghim p dng li khuyn ny.

Trong cc sch trnh by v con ng lm giu n gin kiu d nh n cm bnh dn v dnhcho mi ngi u thc hin c th c l tc phm Ngi giu nht thnh Babylon ra i cchy gn 100 nm l tc phm c cc quan im ng n v gi tr nht. Trong tc phm ny,tc gi c kt cc kinh nghim lm giu ca cc li thng kinh thnh Babylon c knh v v i,nhng kin thc qu gi c cc hc gi Babylon c kt v ghi chp li trn cc tm th tst nung t 5000 nm trc c truyn cho hu th.Cc bc lm giu c bn c c kt t cun sch ny nh sau:+ Bc 1: Tit kim s tin mnh kim c hng thng, t l ti thiu l 10% s tin kim c,a phn mi ngi u lm ngay c bc ny, d h ch l mt cn b cng chc hay mtchuyn gia k thut cao cp, hay mt ngi cng nhn lao ng bnh thng, mt s ngi lmcng (ca cc tp on ln hoc cc cng ty lin doanh) c mc thu nhp cao c th c mc

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dnh dm n 40% -> 50% tin lng, nhng ngi lm ch cc c s kinh doanh nh hoc ccch doanh nghip th mc dnh dm cn cao hn na trn mc thu nhp li nhun ca h.+ Bc 2: Dng s tin tit kim ny ti u t sinh ra cc ngun thu nhp mi mt cch thng (tc l cc khon thu nhp t ng sinh ra theo thi gian m khng cn ngi ch ut phi b sc lao ng), mc dnh dm tit kim cng cao th dng thu nhp th ng s cngngy cng ln, c nhiu cch c dng thu nhp ny, t n gin n phc tp, t quy m rtnh n quy m rt ln, v d cch no + quy m no th cng i hi yu t thi gian, khng ccch no lm giu cc nhanh v d dng c.

y l bc lm ai cng c th lm c, nhng vn c mt s ngi b tht bi bi s thiu kinnhn cng nh cn bnh mun lm giu cc nhanh, h khng chu ch i.

Ti xin lit k cc cch to dng thu nhp th ng theo nhiu quy m khc nhau, t nh nln, ai cng c th lm c, v ai cng c th lm ng thi nhiu cch mt lc, cng a dngth dng tin th ng v cng nhiu cng nh s ri ro cng c chia nh, v quan trng lbn phi lin tc b sung vn (t khon 10% tit kim hng thng + khon li nhun thu v t nm th 2 tr i li ti b sung vo) vo cc khon mc u t ny.- Gi tit kim ngn hng vo nhng t st li sut, mc li nhun 11%/nm hon ton c tht c.- Mua bo him ca cc cng ty bo him uy tn v hng u ca th gii, mc li nhun tuykhim tn (7%/nm) nhng n cng l mt la chn bt buc cho s bo him cc ri ro c nhnm bn c th gp phi.- Mua tri phiu ca chnh ph (hoc cng tri) hoc tri phiu ca cc tp on ln do chnh phbo lnh, hoc tri phiu ca cc tp on ln kinh doanh hiu qu v uy tn (v d nh Vinamilk,Kinh , Tn To), mc li nhun 15% / nm hon ton trong tm tay.- Mua c phiu ca cc doanh nghip ln v thc s c gi tr, ca cc tp on u nghnh, lmn hiu qu ti Vit nam (Vin thng , Sa, Du kh, Bnh ko, Bt ng sn, Cng ngh cao).- Mua nh chung c ng lm nhiu t v sau dng n cho thu.- Gp vn v cc c s kinh doanh c li nhun v phi c uy tn ca h hng, bn b, ngnghip- Mua cc cn nh nh, c nt, ci to p cho thu hoc bn li- Nhn thm vic lm bng chuyn mn tt nht ca mnh tng thm dng vn ti b sung - V nu c kinh nghim, c hi, nng lc, vn: bn hon ton c th m mt doanh nghip thc y qu trnh sinh thu nhp nhanh nht c th+ Bc 3: Tip tc ti b sung hng thng vo cc khon u t trn, ngun ti b sung ny t nm th 2 tr i s c 2 khon:- Khon tit kim 10% hng thng- Khon li nhun t cc dng thu nhp th ng c ti u t liV d cch no th tc gi vn khuyn chng ta cn lm tht tt cng vic m chng ta ang lmhng ngy (cng nhn phi lnh ngh, k s phi thnh tho v chuyn nghip, bc s phi gii,trang im thm m phi p, bn hng phi bn tht tt, kinh doanh phi nng ng, u t phi kin nhn) thu nhp chnh t cng vic ny phi khng ngng tng ln v khon tiu t cng nh c tng lnV cng vi thi gian (ngn hn l 5-10 nm, trung hn l 10-20 nm, di hn l trn 20 nm,tu thuc vo thu nhp t cng vic chnh ca bn), d bn xut pht t vch no, th xc sutdng thu nhp th ng (sau 20 nm, 30 nm) ca bn s ln bn trang tri mi chi ph sinh hot hng ngy m khng cn i lm. Khi bn hon ton c th ngh n 3 cm t: nghngi th gin, lm vic m mnh yu thch, giu c.NhngRt t ngi mun chn cch ny, bi v n lu di v i hi kin nhn qu. Cc bn tr trong xhi cn cc phng php lm giu siu tc v d dng Khng phi ngu nhin m t schdy lm giu nhanh li bn chy nh vy V rt tic ti khng th c mt phng thc no nh th chia s vi cc bnNguyen Duc Tam

L qun o nhanh v p

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- Cn ch xem trang phc sp mc c c php l hay khng (ghi ch thng c nh km vo trangphc, ging nh nhn hiu).

- Chn nhit thch hp cho tng loi vi. ng b qua khu ny, nu khng s c lc bn phi vt b b yu thch nht.

- Khi mi gn phch cm vo in, bn l cha nng, bn c th l nhng qun o mng, sau mi nnhng chic dy hn.

- qun o mau phng, bn hy l chng khi cn m.

- tit kim thi gian, sp xp l mt ln 2 th. Chng hn, t chic khn tay mng ln o s-mi, bn s titkim thi gian l chic khn.

- Mun l o s-mi nhanh, bn hy bt u t c o, nguyn tc l t hai bn vo gia. Tip theo l tay o, vai,thn o v nhng khu vc xung quanh cc o.

- i vi nhng loi vi c bit nh t la, vi lanh... bn nn l mt vi bn trong.

- Vi qun ty, l bn trong lng qun trc ri n bn ngoi, cui cng l 2 ng qun. Nn gp ng theo npc dng sn, l theo np . Nn t mt ming vi mng ln trn mt vi khng b bng.

on Mai [Theo Cm nang gia nh]

T qun o a nngNhng mn c bn cho mi chic t qun o, cng nhng li khuyn cho nhng ngi khng mun sngno cng phi ng hng gi trc t qun o quyt nh mc g cho hm nay.

T qun o a nng

1. o ngc va vn, cng mu da: Mi th bn mc c th p ln hoc xu i ph thuc vo ci con cony. S khng phi lo chn mu o ngoi no mc cng nu bn chn o ngc cng mu da. Nh mua onng ngc v thay mi hng nm.

2. Qun en: en c th kt hp vi bt c mu no. Qun en c th mc khi hp ln c i nhy, ty thucvo ci o bn din.

3. Qun mu kaki: Mu kaki c v khng nghim tc bng mu en nhng li l s la chn tuyt vi chongy th su nu bn phi mc ng phc thng xuyn.

4. Jeans: L la chn ti u cho mi ngy. C th mc nh thng phc khi i lm hoc tht chn chu vi cio ni bt v mt chic dy lng da hn h vi ngi yu. Nn chn qun jeans xanh truyn thng. Jeanscc mu khc thng khng phi l xu th.

5. Chn vy mu en: y l mn linh hot trong chic t ca mt n nhn vin cng s. N c th rt"pro" vi mt chic o cnh, hoc cng bnh d khi kt hp vi o len chui hoc c l, hay bt c loi o noang l mt.

6. o lt mu en/ trng: Chn loi si mt m mc bn trong mt chic o cc tay, nhng cng m mc ring mnh n. Vi loi o ny, kiu cch cng n gin cng tt.

7. o cc tay: Chic o cc tay mt hng khuy va vn c th tng thm s sang trng cho mt b suitcng s, hoc lm si ni thm nhng b thng ngy nh jeans hay o len c l. Nn chn nhng mu cbn nh en, beige hoc xanh hi qun, thm ch l xanh l cho d kt hp.

8. Vy: C th mi kiu dng cng nh mu sc min sao va vi vc ngi cng nh c tnh ca bn. Nphi linh hot c th i m ci, m tang, bui hn h v cng thch hp khi phi gp g vi itc hoc n ung vi nhng nhn vt quan trng. Mt ln na, hy ch chn nhng mu c bn.

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9. Vest cng s: Chn vy, qun vi o s mi u rt hp trong mi trng cng s. Trong trang phc nybn lc no cng phi p nht. V l do , nn chn mu c bn nh en hoc xanh hi qun v t hiumay ng tin cy.

Thi trang nhanh

- Chn qun o d kt hp vi nhau: ng bao gi mua qun hoc o khng th kt hp c vi t nht 3mn khc trong t ca bn. B quyt mc nhanh v d dng l chn qun o d phi mu vi nhau.

- Gn vi mt s mu c bn: Nu trang b cho t qun o 3 n 4 mu c bn th bn s d dng phi hpqun o vi nhau. , xanh l cy, en, nu.... d kt hp hn vng m hoc mu cam. Chng mu nhiu bn c th kt hp trang phc cho c tun v cng t bn mt thi gian ngm ngha.

- Chn nhng phong cch kinh in: My kiu mt thi thng ch c th din c vi ngy l li mt. Do, bn nn chn qun o c bn c th mc lu di v dng cc ph kin, trang sc lm p thm.

- Mua qun o d bo qun:Nu mn bn mua i hi phi l nhiu, hoc ch c git kh th cn gi gl thi trang nhanh na. Qun o mc ngay c ngha l mn no cng phi sn sng c th din tc th.

- Mua hng cht lng: Hy mua nhng loi qun o cht lng nht m bn c th. bn v tnh thitrang ca nhng mt hng ny, chc chn khng ph cng bn v c s tin m bn u t.

Theo Snh iu

Phng php qun l tin bc c nhn JARS

Phng php qun l tin bc c nhn JARS c pht minh biT. Harv Eker (tc gi quynSecret of Millionaire Mind), l bc thy v din thuyt, thit k hng chc kho hc ngn v di hn v pht trin cnhn. ng c mnh danh l trainer of trainers

Phng php JARS l phng php nhng ci h, bi tin ca bn s c chia u cho 6 ci h tngtrng cho 6 ti khon c nhn.

Hy hnh dung khi bn nhn c thu nhp mi thng (c th l tin lng, hoc tin t b m, hoc bt cngun thu no khc, t hay nhiu khng quan trng). S tin s c chia cho cc h c dnh du nhsau vi s phn trm tng ng.

Neccessities (NEC) -Ti khon chi tiu cn thit 55% Long term saving for spending account (LTSS) Ti khon tit kim tiu dng cho tng lai 10% Education account (EDU) Ti khon gio dc 5% Financial Freedom Account (FFA) Ti khon t do ti chnh 10% Play Ti khon hng th 10% Give - Ti khon t thin 10%

Khi bn nhn vo nhng ti khon trn, c th bn s thc mc l c v 1 s ti khon n hi trng lp vinhau, nhng tht s th mi ti khon u c mc ch v tc dng ring y.

1. Neccessities (NEC) -Ti khon chi tiu cn thit 55%

y l ti khon tiu dng cho nhng chi ph cn thit ca bn, nh l n ung i li, k c mua sm nhngth cn thit cho bn thn. C th bn s thc mc l nhu cu mi ngi khc nhau, liu 55% c th hykhng. Tht s l thng k cho thy th 55-60% ny s l cho bn, nu bn thy bn cn hn, chng t vicchi tiu ca bn cha hp l.

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Tc dng ca ti khon ny l cho bn bit c gii hn chi tiu ca mnh l bao nhiu, t bn s thayi li sng cho ph hp. Cn khi bn cha bao gi ln k hoch r rng, bn thng s chi tiu v ti v vln vo cc ti khon khc.

2. Long term saving for spending account (LTSS) Ti khon tit kim tiu dng cho tng lai 10%

Ti khoan ny bn s phi 1 khon thi gian kh lu cho nhng chi tiu ln trong tng li. V d nhkhi cn i hc, bn mun sm con in thoi mi, hay con laptop, th y l khon bn dnh cho nhngchi tiu (v n ln i vi bn). Hoc cn khi bn i lm, th khon ny cho bn dnh dm mua nhngmn ln hn, nh l sm xe, mua nh, danh dm cho m ci v.vTc dng ca ti khon ny l bn thy r c mc ch mnh nhm ti l g, v tit kim tin t t chovic . Nhng khon chi tiu ln ny bn cn c k hoch lu di, ch khng nn l ti lc mi dng httin ca mnh i mua, ri n s nh hng ti nhng khon chi tiu khc

3. Education account (EDU) Ti khon gio dc 5%

y l ti khon gio dc cho chnh bn, tc l cho bn nng cp bn thn. Ti khon ny c th c chitiu vo cc khon nh cho cc kho hc nng cp bn thn, mua sch v ti liu hc tp. V hy nh y lti khon gio dc cho chnh bn, bn phi chi tiu hp l nng cp bn thn lin tc, c nh vy bn mi

m bo c gi tr bn thnTc dng ca ti khon ny l bt bn phi lin tc u t vo chnh bn thn mnh, bi y s l khon u tsinh li nht ca bn

4. Financial Freedom Account (FFA) Ti khon t do ti chnh 10%

C th khai nim ny rt mi i vi bn, ni n gin th y l ti khon dng u t. C nhiu cch u t (mnh s ni r hn thng qua nhng ch khc) nhng v d bn c th dng chi chng khon,hoc dnh khi no nhiu nhiu c th hn hp lm n vi bn b, thm ch m 1 ca hng nh, thm ch l m cng ty.Tc dng ca ti khon ny l cho bn lc no cng c sn 1 s tin cho nhng mc ch u t trongtng lai, ch khng phi ti lc bn mi i gom tin. V l do m tn ti khon ny l Financial Freedom,bi v ch c u t (hp l v hiu qu) th mi c th gip bn lm giu, v t c ti Financial freedom,khi m mi chi tiu ca bn s c nhng li tc t u t chi tr ht, lc bn ko cn phi i lm nhngvn c th sng thoi mi

5. Play Ti khon hng th 10%

Vng, y tht s l ti khon bn xi tho mn nhng nhu cu xa x ca bn thn bn. C th bn cnmt ci o mi (ch l ti v bn thch, ch khng phi v nhu cu), mua a game, a nhc mi. Thm ch l i du lch, n ung b kh vi bn b. V hy nh, y l khon tiu xi BT BUC mi thng, cho d bnang cc k d sn chi tiu, nhng phi lun ra 1 khon cho chnh bn thn bn. Khon ny c th gom livi ba thng xi mt ln, nhng bn ko c qu lu.

Tc dng ca ti khon ny l cho bn thng cho bn thn (sau 1 thng cc kh kim ra tin), v ch cnh vy bn mi thy tin mnh kim ra, mnh c hng th, thi bn s c nhiu ng lc kim thmnhiu tin hn

6. Give Ti khon t thin 10%

y l ti khon bn cho ngi khc, c th l i quyn gp t thin, gip cc tr em ngho. C rt nhiunhng hot ng m bn c th dnh s tin ny vo. Ti khon ny c th gim xung 5% nu m ti khonchi tiu cn thit ca bn cn ln 60%. Nhng lun phi nh dnh ra 1 khon gip ngi khc.Tc dng ca ti khon ny l theo Law of attraction, khi bn cho i, bn s c nhn v gip c ngi

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khc bn tt nhin s vui hn nhiu, nhng vi chnh bn thn bn, n cng s gip cho bn nhn cnhng mn tin nhiu hn trong tng lai.

Vy by gi lm sao bt u luyn tp phng php JARS?

+ Hy dnh ra thi gian ngi tnh ton li tin bc c nhn ca chnh bn.

+ u tin hy ghi ra s tin bn s c mi thng l bao nhiu, r chia u cho cc ti khon theo t l nu trn

+ i viFFA, hy nhn s tin mnh s c mi thng vi 6 thng, 1 nm, 3 nm. Mc tiu l bn s cc trong u s tin mnh c th dng u t trong giai on 6 thng sp ti, hay 1 hoc 3 nm ti l baonhiu. Khi c con s trong u, bn s d dng kim c ch thch hp cho n. Cn hin ti th c th bnra m 1 ti khon tit kim ngn hng, mi thng bn s b vo ng s tin trong FFA vo . Nu bncha c d nh u t trong tng li gn, c th bn tit kim di hn c c li sut tt hn.

+ i viLTSS, bn hy at cho mnh mt mc tiu trong tng lai l bn s phi mua ci g c gi tr khln. Ri tLTSS bn c mi thng, hy tnh th trong bao lu bn s c , t hy t quyt tm vi bnthn hng ti mc tiu

+ Cn EDU, nu trc mt bn ko c nhng d tnh ln lao (nh ng tin tham d nhng kho hc nykia) th hay ngh xem nhng sch v ti liu g bn c th mua c c, hc hi v nng cp bn thn (vd nh mua Ti ti gii chng hn). Hy nh, by gi bn c 1 khon cho chuyn , nn phi t thcy chnh bn thn mnh phi tm ti hc hi nhiu hn na. Kin thc khng bao gi free, by gi bn ctin, ti sao ko i mua thm kin thc cho mnh.

+ ViNEC, hin gi bn bit gii hn chi tiu cn thit hng thng ca mnh l bao nhiu, bn c th sosnh vi trung bnh tiu xi ca bn trc gi, nu n nhiu hn s tin bn c trong NEC, th hy bt u ngisuy ngh ct gim chi tiu ca mnh. Chc chn khi ngi tnh li, bn s thy c nhng khon ko cn thitm bn c th hon ton b i, v nht l khi bn c 1 con s c th lm gii hn, bn s rt d dng iuchnh li thi quen tiu xi.

+ Chc chn a s s rt hng th viPLAY, bi v y l bn hng th bn thn mnh. Hay tiu xi chon tht hp l (bi n cng khng qu nhiu), v cho ng cng sc mnh b ra (bi v n s bn tthng cho chnh mnh). Nu bn c d tnh du lich, hoc cn nhiu hn khonPLAYcho phep hng thng,c th dnh vi thng cho ti khi ri bn s xi chung 1 ln, nhng phi nh l khon ny phi c chi,bn ng nn qu tit kim i vi bn thn mnh

+ V GIVEth l khon bn c th lm nhng vic t thin mnh mun lm, nhng cha bao gi thy tin, cn by gi bn c mt khon ring, hay i gip ngi khc, c th l bn b xung quanh, c th lngi xa l, nhng m s gip n s ni tip v nhn i t ngi ny qua ngi khc, hy l ngi gieonhng ht ging u tin

Cng vic c ly i ca bn qu nhiu tin bc ng ngy: 16:35 15-03-2011

D i y l su y u t - 6 ph ph/chi ph gin ti p b n c n ph i xem xt v cng vi c c a mnh c nh ng quy t nh ng n?

1. Qu n o v cc ph ki n

N u c th cng vi c c a b n yu c u ph i m c ng ph c n n i cng s , ban u b n t ng r ng b n s i m t kho n may m c, nh ng th c t chi ph cho vi c gi t l hng tu n nh ng b ng ph c ny khng h

nh . Bn c nh b n ph i s m ring nh ng b trang ph c m c trong nh ng b i c nh ngoi cng s .

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i v i nh ng cng vi c i h i ngo i hnh, th ng xuyn ph i g p m t khch kh a, b n c ng khng th xu t hi n mi v i m t hai b trang ph c. Cng vi c i h i b n ph i n ng lm m i mnh v i nh ng b cnh m i, u tc m i v nh ng ph ki n m i. ng qun tnh nh ng kho n chi ph vo danh sch thu chi.

2. Chi ph i l i

i n c c quan, r rng b n ph i b ra m t kho n chi ph nhi u d ng khc nhau. Th t l may m n

n u nh b n g n c quan v c th i b c. N u nh xa, cc ph ng ti n giao thng cng c ng th ng r h n cc ph ng ti n c nhn nh ng b n l i m t r t nhi u th i gian l chi ph th i gian b n ph i b ra.

Nh ng n u b n ch n cc lo i hnh giao thng c nhn, hy nhn vo chi ph x ng xe, b o d ng, chi ph c u ngR rng n u c quan g n nh b n khng ch t t n km h n v i chi ph x ng xe m th i gian b o

d ng, tu i th c a chi c xe c a b n s ko di h n. S th t l chi ph i l i c ng l m t y u t c n cn nh c r t l n i v i cng vi c c a b n.

3. Th c n

M t trong nh ng cch ti t ki m ti n b c nh t l mang theo cc b a n tr a c chu n b s n nh. Tuy nhin n u tnh ch t cng vi c ho c th i gian lm vi c khi n b n khng th lm c i u ny th y l m t kho n chi kh l n. C m tr a v n phng th ng khng m y khi r , nh t l khi c quan b n t trong m t a

i m t . N u nh nh b n qu xa c quan, vi c i l i t n khng t th i gian, b n khng c th i gian d y s m chu n b b a n cho bu i tr a, ho c vi c tan ca qu mu n khi n b n khng c i u ki n i ch cho bu i t i l nguyn nhn b n m t qu nhi u ti n vo nh ng b a n.

4. Ch m sc con nh

N u b n c con b n th a hi u nh ng t n km dnh cho m t a tr . M t vi nghin c u g n y ch ra r ng ph n l n cc ng b b m u dnh ph n l n ngn qu c a mnh ch m lo cho con ci c a mnh, th m ch nhi u b c cha m khng c vi c lm n nh ho c cng vi c bn th i gian cn khng ti n lo cho con ci mnh m t cch y . Tr khi b n c m t n i tin c y g i g m con mnh nh ng b, ng i thn cn n u khng b n c n ph i tnh n nh ng chi ph pht sinh cho vi c ch m sc con do cng vi c mang l i. Ch ng h n do ng i lm qu xa, b n khng th n con k p gi , v b n th ng xuyn ph i tr thm ti n trng ngoi gi . B n khng c th i gian chu n b b a sng cho con v ph i nh c y cc th y c trong tr ng h c c a con, b n khng cn th i gian v s c l c km c p con h c bi bu i t i v ph i nh n gia s

5. D n d p nh c a

Cng vi c c a b n qu b n r n, th ng xuyn ph i i s m v mu n, v khng cn cch no khc b n ph i thu ng i gip vi c. Cho d b n thu ng i gip vi c v d n d p theo gi th chi ph cho n lu d n c ng l m t kho n l n, trong khi n u cng vi c r nh rang h n, g n nh h n b n c th t m ng c nh ng cng vi c ny.

6. i n tho i di ng v nh ng tr gi i tr N u tnh ch t cng vi c yu c u b n ph i dng i n tho i di ng lin h trong cng vi c, hy th ng l ng v i cng ty thanh ton cho b n ton b nh ng chi ph ny. N u b n ph i t mnh chi tr th hy suy ngh v y l m t trong nh ng chi ph kh t .

M t s cng vi c c ng i h i ph i th ng xuyn a khch hng, i tc i n u ng, ph i t dng cc ph ng ti n c nhn ti n hnh nh ng ho t ng ny. Hy cn nh c xem nh ng g mnh thu v c trang tr i t t c nh ng chi ph khng, kho n thu nh p cn l i c x ng ng v i nh ng g b n b ra khng?...

N u khng nhn vo nh ng kho n chi ph pht sinh c i lc b n c m th y thu nh p c a mnh c ng c th 12


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ch p nh n c. Nh ng n u b n b cht t th i gian tnh ton nh ng kho n ph ph t cng vi c b n s l gi i c t i sao mnh lun s ng trong tnh tr ng thm h t ko di.

10 li khuyn hay nht v vic qun l tin bc

1. Tm hi u v nh ng g b n ang c. Can m ln, hy xc nh b n thn xem b n ng gi bao nhiu hm nay. Th ng k t t c ti s n (ti n m t, ti n g i ngn hng, u t , nh , xe h i, trang s c, v nh ng th khc), tr i t t c cc kho n n (ha n, s ti n vay m n, n th tn d ng, cc kh an n di h n), v b n s nh n

c gi tr th c c a b n. M t gi tr d ng cho th y b n ang trn con ng ng, trong khi m t gi tr m s l m t l i ku g i th c t nh b n c k lu t h n trong vi c qu n l ti n b c. Th c tr ng ny c ng cho th y nh ng u m i trong vi c thay i cc kh an u t ho c ng ng ghi n m i.

2. Ti t ki m m t cch thng minh, khng kh t khe. Vi c ti t ki m cho t ng lai l m t i u r t quan tr ng t o c m t qu phng khi cc tr ng h p kh n c p t ng t pht sinh.

ng th i ti t ki m c ng l m t cch t t b n c th t c m c tiu ti chnh c a mnh, cho d l vi c mua nh ring, vi c h c c a con ci, ho c chu n b cho ngh h u. Tuy nhin vi c g i ti n ti t ki m vo ngn hng l y m t s ti n li nh khng ph i l bi n php t t nh t. Cc kho n u t c th c th cung c p cho b n m t s li cao h n.

a t t c ti n m t trong m t ti kho n ti t ki m c ng s cho php l m pht lm xi mn s c mua c a s ti n b n c. Hy t p trung vo cc kh an u t c ti m n ng cung c p m c li cao h n t l l m pht hi n hnh.

3. t k h ach cho t ng lai. Cho d l m c i theo c m c a b n, h c ph i h c c a con ci, b o hi m ng c xe hng n m, k ngh c a b n ma h n m t i, hay mn qu Ging sinh c a b n cho ngn sch n m nay, hy ln k ho ch tr c.Tm hi u tr c s chi ph, sau b t u ti t ki m cho s chi ph hng thng b t u t hm nay.

4. T o m t ngn sch. Th t chn n n khi khm ph r ng b n l i ang h t ti n nh ng ngy cu i thng.

tr c xu t v n ny mi mi, hy nghim kh c v i b n than v thi t l p m t ngn sch. Ghi l i d ki n thu nh p c a b n, kh u tr ph i tr , tr cc ho n (bao g m c ti n ti t ki m), sau phn b ph n cn l i vo chi ph b n c th ki m sot (ch ng h n nh th c ph m, c a hng t p ha, i ra ngoi, vv). S ti n ny s l gi i h n chi tiu c a b n. C g ng khng i qua gi i h n chi tiu c a b n n u khng b n s s m th y n n n ch ng ch t.

5. Ch vay nh ng kh an n b n kh n ng tr . i u ny p d ng v i n mua nh, mua xe, n th tn d ng v cc lo i t ng t . i u c ngh a, tr c khi b n vay ti n mua m t ci g , u tin hy t b n c th t s c n v c th

kh n ng tr ti n li trong nh ng thng k ti p y , ho c trong cc ph n h p l trong nh ng thng k ti p.

i v i cc kho n vay khc, xem xt cc h p ng c n th n v ch c ch n r ng ngn sch c a b n c th p ng.

Gi tin & xi tin Tin bc l phng tin rt quan trng trong cuc sng, nht l nhng ng tin "sch" kim rabng lao ng chn chnh. Nhiu ngi tr nn ngho kh ch v khng cch bit xi tin v gi

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tin. Cc bn gi tr sau khi kt hn s tr thnh ngi "tay hm cha kha", cuc sng ca gianh bn yn vui hay bt n ty thuc rt nhiu vo ci "ti" ny...

Xi nhiu tin l... sang?Khng t bn gi c quan nim ny, h thng ngng m nhng ph n xi tin vung vt, khngtic tin khi mua nhng mn t hn nhiu ln gi tr tht ca n v mn hng y hp thi trang, chng t mnh giu c, rng ri.C nhng bn gi cha lm ra tin vn "bm bng" tng qu sinh nht cho bn bng vng, ch nung trong nhng nh hng sang trng chng t mnh snh iu.

Khng phi ngi mu, din vin cng thay i thi trang lin tc... M khng bit rng nhiungi nh tit kim, chi tiu hp l ri t giu ln. Khi giu c ri vn chi tiu chng mccho bn thn mnh v c tin chm lo cho ngi thn, lm cng tc x hi, t thin... Nhng ngiy, d gin d th ngi chung quanh vn bit h giu c ln giu lng nhn i.

Nghin mua smMua sm l vic cn thit phi c cuc sng y , thoi mi... Th nhng c bn gi"nghin" mua sm n mc thy ci g p, r, c khuyn mi hay mi tham gia x s c thngl mua m khng bit lm g hay dng n bao gi mi ht nn m ra phung ph, c khi cnkit tin bc.

H hnh trong vic gi tinNhiu bn gi tuy khng n xi phung ph nhng li khng bit cch gi tin. Chng hn khi ich, i ngoi ng li ct tin nhiu trong ti xch nn rt d b k gian mc ti, git xch.

C nhng bn gi thiu cnh gic, thng xuyn b mt in thoi, vng vng, xe c hoc rtng tr, hay b qun nhng vt dng mang theo nh qun m, mt knh, d, o ma... Mc dnhng mn y khng ln lm nhng c phi mua i mua li nn phi tn nhng mn tin khngnh.

u t vo lnh vc khng am hiuBn gi sm bit u t l tt, nh u t vo sn xut, kinh doanh, bt ng sn, chng khon...Nhng c nhng bn gi u t vo nhng lnh vc m mnh m tt, ch chy theo ngi khc ththt bi l iu d xy ra.

Cho nn, lm ra tin kh nhng xi tin, gi l vic cn kh hn, bn gi cng cn c hiu bit,suy xt, bn lnh v cn trng tin bc lm ra mang n cho bn s yn vui v cht lng cucsng khng ngng tng ln bng s chi tiu, u t khn ngoan.5 cch tch ly tin cho con

Cha m no cng c m, cng mong mi con mnh c c tng lai tt p, c hc hnh trong mi trng tc i du lch, c khm ph, thc hin nhng c m m cha m chng cha tng lm c. Chnh v vy, tcon chnh l nhng c m chnh ng y thnh s tht!

1. Gi tit kim ngn hng

Hy bt u t s tin nh, tip n vi s tin ln hn, u n hang thng, gi vo , v t nh ch ng tich s dng s tin y cho con. C nhiu ngn hng c hnh thc gi tit kim linh ng, bn c th chn hnh

kim tch gp m mt s ngn hng hin ang trin khai. y l loi hnh m bn c th ng k mt s tin nhngn hng vo mt ngy nht nh trong thng. Gi ngn hng tch ly cho con l mt cch thc hin an ton, m bc cha m chn.

2. ng bo him

Hin nay, c rt nhiu hng bo him tung ra nhiu gi bo him khc nhau bn la chn. Hy chn mnh gikh nng ng ph v tnh hnh thu nhp ca mnh, thay v c ng ph theo mnh gi mong mun. Hy nh rng bc th mua bo him vi mc thp. Vic hy hp ng gia chng khng ng ni ph s khin bn mt mt khnh.

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3. Mua vng

Khng thch "phin phc" vi nhng th tc ngn hng, hoc cng ty bo him, bn cng c th c cch tch lin" nht cho con bng cch mua vng. Khng nht thit hng thng phi mua bao nhiu vng, m vi bao nhiu ly c, bn hy mang i mua vng vi s tin tng ng. Trong khi rt nhiu th b mt gi, th bn hy chc lun n nh v c gi.

4. Mua t, nh ca

Nu c thu nhp tt, ngay t by gi hy tch ly cho b bng nhng ti sn ln, c gi tr bn yn tm rng tca con s c m bo. Chn nhng khu vc c tim nng, mua t, hoc nh cho b trc. Cch ny s giptm lm vic v khng s nhng bp bnh, nguy c trong cng vic hin ti.

5. C cng vic, s nghip n nh

y l yu t quan trng bn c c s tch ly cho con ci trong tng lai. Bn hy th tng tng, nu lmtrng tht nghip, hoc vi ba thng li thay i mi trng lm vic, cuc sng ca chnh bn cn i din vi khn hung h g ni ti vic tch ly cho con. Cng vic n nh, thu nhp vng vng, bn s c tin tnhlng cho tng lai ca con ci tt hn.

5 ''by tin bc'' cn phng

(NDHMoney) c coi nh mt loi cng c thn k, tin c nhim v mang li nhiu li ch nht cho ngis dng. Tuy nhin, c nhiu cm by, d v tnh hoc c c to ra, khin chng ta khng tn dng ti acng c ny!

Hy m bo rng bn s khng ri vo bt k mt trong 5 cm by tin no di y:

1. i thi gian ly sn phm min ph

Thi gian l vng bc. Chn l ny ai cng bit nhng li thng b qun. V vy, bn hy nh n cu niny mi khi bn ng k ly sn phm mu hoc sn phm dng th. Vic bn mt 20 pht xp hng chung th mt loi sa mi ra, d cho min ph th cng khng phi l hnh ng ng lm. ! Thay vo , bnc th dng 20 pht ny ngh ngi, c bo hoc th gin vi bn b. Do , chi ph c hi b ra cho mthp sa min ph khng ch dng li con s 20 pht, m cn l s hy sinh lm nhng cng vic yu thchkhc.

2. Mua theo cm tnh

bao gi bn gp tnh hung trong khi ng ch thanh ton tin trong siu th, bn nhn thy trn quy trngby c vi sn phm bt mt, v bn tip tc nht b vo gi thanh ton? Hoc bn tng mua thmmt vi sn phm v chng c h gi v cha tng mt ln s dng nhng sn phm ny? Nhng trnghp trn xy ra khng him v c gi chung vo nhm hnh ng mua theo cm tnh. y l mt hnhthc phung ph tin m nhiu ngi mc phi. khc phc iu ny, bn nn lp mt danh sch nhng mthng cn mua v ch mua nhng g c trong danh sch !

3. Mua v mc c c

y l mt hin tng rt hay xy ra trong cc cuc mua bn. Ngi mua, sau khi mc c thnh cng, c tml chin thng, v mua ngay sn phm ch v ngh rng mnh mc c c. Trong mt vi cuc mua bn,nhng ngi cao tay hay tn dng tm l ny chinh phc ngi mua: vi cc khch hng tim nng, ngibn t mc gi ban u cao hn rt nhiu so vi gi thc, sau gi v nhng bc, chu thua trong cucmc c v bn hng! Hy lun tnh to vi mc gi cui cng bn phi tr, ng mua ch v tm l chinthng trong cuc mc c vi ngi bn hng.

4. Mua tn dng

Nhiu gia nh hin nay lm quen vi chuyn mua tn dng, nht l trong trng hp khng chun b mtlng ln tin cng lc. Mt iu nn bit vi mi thng lng tn dng rng bn cnh tin hng thng, bn

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16/76

phi tr mt mc li sut nht nh. Thm ch mt s ni, li sut ny cao hn li sut ngn hng rt nhiu!Do , bn nn cn nhc tht k trc khi s dng hnh thc mua hng ny.

5. u t cao vi mc ri ro thp

Con ngi ai cng mong mun kim tht nhiu tin vi mc ri ro cng thp cng tt. Tuy nhin tm l ny lkhng hin thc. Nhiu nh u t snh si cho rng ch khi dm mo him ln, mi c th thu li s ti snng k! Do vy, bn nn cnh gic vi cc mi u t em li rt nhiu li nhun vi mc u t qu anton.

Tun Anh - NDHMoney

Bi c c li v Ti chnh gia nh

K hoch ti chnh: Ti sao phi thc hin? 1. K hoch ti chnh: Ti sao phi thc hin?2. K hoch ti chnh: Cch lp mt k hoch ti chnh3. K hoch ti chnh: t ra nhng mc tiuC nhiu l do khin ph n cn phi ln k hoch cho i sng kinh t ca mnh:

1) m bo v ti chnh t c s m bo v ti chnh l mt trong nhng tr ngi ln nht i vi ph n ngy nay. Ph n cnphi xem xt nhng th thch ti chnh m c th mt ngy no h s phi i mt. Ph n khng th phthuc vo tin lng hu ca chng hoc phc li x hi. H phi da vo kh nng ca mnh a ranhng quyt nh ti chnh ng n. H phi chp nhn thc t rng sm mun g h cng phi c trchnhim qun l cc vn ti chnh ca ring mnh.

2) Chun b cho k hoch v huTheo thng k, ph n sng lu hn nam gii. Th nhng h u t t v khng chun b y cho lc vhu ca mnh. ng thi, ph n lm vic t hn, kim tin t hn v thng nh chm sc con ci. iuny lm gim ng k mc tr cp x hi v tr cp hu khi h chun b ngh hu.3) Kin thc v ti chnhNhiu ph n s phi tha nhn l h khng c kin thc tt v ti chnh c nhn. Nn tng kin thc ca hch gi gn trong nhng hot ng qun l tin bc c bn (nh thanh ton cc ha n, cn bng chi tiu,..). H khng ch trng n nhng mc tiu lu di nh u t cho vic v hu hoc ln k hoch v ti sn.

4) Qu bo thPh n c nhng bc tin di rt ngn khong cch v tin lng nhng ch c iu khng th cha p ng c nhng mc tiu ti chnh. Ph n thng cn thn hn trong cc la chn u t. H dnh c t v t tn dng cc k hoch u i khi v hu do cng ty ti tr. Ph n c tui th lu hn cngha l h phi dnh nhiu hn khi v hu.

iu ng mng l ph n ngy nay ang bt u thay i quan im ca h v tin bc v u t. Ph n

bt u to ra nhiu li nhun u t hn nam gii. H ngy cng c nhiu thi quen tit kim tt hn v hnhthnh nhiu mi quan h lu di vi cc nh hoch nh ti chnh. Nhiu doanh nghip mi thnh lp u doph n lm ch. Ph n ngy cng ng vai tr ch ng hn trong cc hot ng ti chnh ca mnh.

Mt s bc thc hin m ch chnh bn mi c th lm c:1. Bn cn phi kim sot c cc vn ti chnh ca ring bn v qun l tin mt cch khn ngoan. Hybt u ngay by gi!2. Bn cn phi thc hin mt k hoch ti chnh.3. Bn cn phi t trang b cc kin thc v ti chnh.4. Bn cn phi c thi tch cc v tin v v cuc sng.5. Bn cn phi c nim vui trong sut qu trnh thc hin.

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17/76

6. Tng lai ti chnh ca bn ph thuc vo chnh bn.

im mu cht:L mt ph n, bn cn phi c lp v ti chnh. D bn quyt nh thc hin mt mnh hoc cn n s trgip ca nh hoch nh ti chnh, th iu quan trng l phi bt u. Khng phi ngy mai hay tun ti. M lngay by gi! Hy bt u bng cch xem xt mt s kha cnh quan trong ca vic ln k hoch ti chnh.

1. K hoch ti chnh: Ti sao phi thc hin?2. K hoch ti chnh: Cch lp mt k hoch ti chnh3. K hoch ti chnh: t ra nhng mc tiu

K hoch ti chnh: Cch lp mt k hoch ti chnh1. K hoch ti chnh: Ti sao phi thc hin?2. K hoch ti chnh: Cch lp mt k hoch ti chnh3. K hoch ti chnh: t ra nhng mc tiuKhi xc nh mc tiu, bn cn pht trin mt k hoch ti chnh t c nhng mc tiu . Lp mtk hoch s gip bn bit c tnh hnh ti chnh hin ti ca bn. N s cho php bn thng k bn n g,

bn c g v bn c ang i ng hng t cc mc tiu ca mnh hay khng.A. Mt k hoch ti chnh l g?Mt k hoch ti chnh n gin l mt danh sch nhng iu bn mun t c vo mt thi im trongtng lai. Danh sch ca bn nn bao gm cc mc tiu ngn hn, trung hn v di hn. Danh sch cng nnlit k cc bc bn cn thc hin t cc mc tiu ny. C nhiu chng trnh phn mm c th gip bnt mnh pht trin mt k hoch ti chnh. Nu bn cn s gip , bn cng c th chn cch thu mt ngilp k hoch ti chnh.

Mt k hoch nn c thit k theo cc nhu cu c nhn ca bn. Chng hn nh, nu bn ch mi bt u,bn c th s cn mt k hoch ton din hn bao gm tt c cc kha cnh ti chnh ca bn. Tuy nhin, nubn gn ngh hu, bn c th ch mun xem li cc chn la lp k hoch bt ng sn.

B. Vch k hochKhi pht trin k hoch ti chnh, u tin hy quyt nh xem bn mun thc hin iu g. Nhng kha cnhquan trng nht trong k hoch ca bn l g? T hi mnh nhng cu hi nh "Ti c mun tr ht n trckhi bt u dnh qu khn cp khng? Ti sn sng chp nhn ri ro no t c mc tiu?" Sau yl vi mc tiu c bn trong k hoch ti chnh. Chng s l mt im xut pht tt.

1. Chng lm pht: nu bn mun duy tr cng mc sng khi bn v hu, t sut hon vn u t ca bnphi ln hn t l lm pht. Bn s phi chp nhn s tht l ng tin ca bn s c t gi tr hn trong tnglai.

2. Gim thiu ri ro:k hoch ti chnh ca bn nn c thit k da trn ri ro m bn sn sng chpnhn t mc tiu ca mnh. Phong cch u t ca bn ra sao? Bo th hay to bo? Bn phi cm thyhi lng vi cc quyt nh ca bn khi k hoch ca bn c thc hin.

3. Gim thiu thu:iu ny c ngha l tn dng cc khon u t c tr chm nh vay tn chp Sdng mt chin lc mua v gi cc c phiu ring l. Bn cng c th xem xt cch bn s gim thiu thucho nhng ngi tha k ca bn trong k hoch.

4. Qu khn cp:Bn nn lp k hoch cho nhng trng hp t xut - ho n khm cha bnh, b mtvic, sa cha xe....... Cc qu khn cp thng thng nn bao gm t nht 3-6 thng lng trong mt tikhon d ly ra. Tin tit kim, ti khon ngn hng v ti khon chng khon u l nhng ni rt tuyt vi ct tin mt. Bn c th hnh thnh dn ti khon ny bng cch bt u t ng tr vo tin lng ca bnmi thng, Cc hn mc tn dng cng c ch - d nhin l phng cch cui cng.

5. S linh hot: Thay i li k hoch ca bn mi nm nu cn. K hoch cn phi linh hot, thm vo cc

Hnh minh ha: K hoch ti chnh: Cch lp mt k hoch ti chnh

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18/76

mc tiu mi hay xa i cc mc tiu c. Bn cng cn cp nht cc bc hnh ng ca bn. Mt s l do iu chnh k hoch ca bn bao gm vic lp gia nh hay ly d, c con, kinh t suy thoi

6. Ti sn rng: Xem xt cch bn s chun b v ti chnh cho nhng c m ca mnh ra sao. Kim k vtnh ton gi tr ti sn rng (ti sn c tr i ti sn n) xem tnh hnh ti chnh ca bn. Bng cch ny bns bit c bn thc s c bao nhiu tin, n bao nhiu, c th u t bao nhiu v cc khon u t hinti ca bn ang hot ng ra sao.

Tp hp tt c cc d liu v bt u phn nhm chng thnh nhng mc sau:Ti sn c:Tin mt, tin tit kim, ti khon chng khon, c phiu, tri phiu, gi tr tin mt ca hp ngbo him, nh, xe, tu c gi tr, c, n trang, tc phm ngh thut hay ti sn cho thu.Ti sn n:Th chp, khon vay cha tr, ho n th tn dng, vay mua nh, thu cha tr hay vay tnchp..Ti sn rng = Ti sn c - ti sn n

7. Lp ngn qu. Ngn qu l cng c qun l ti chnh hiu qu nht m bn c th s dng bit ctnh hnh ti chnh ca mnh. Xem xt nhng chi ph v thu nhp ca bn mi thng. Bng cch theo di ccthi quen chi tiu ca mnh, bn c th thy c nn ct gim u - bn c th s dng nhng khon chikhng cn thit b sung vo nhng khon u t hay tit kim ca bn.

8. Tr n. Bit r cc khon n v ch ng chi tr l s phi hp tt nht cc yu t tr n. Trong mt strng hp, c th ch l ct gim cc chi ph khng cn thit ca bn. Tuy nhin, nu bn ang sng vt

mc hn kh nng bn c th c th phi cn n nhng bin php cng rn hn. C nhiu chin lc gimn c th gip bn gim tnh hnh kh khn v ti chnh, qun l tin bc ca bn tt hn v thm ch ci thinmi quan h ca bn vi cc ch n.1. K hoch ti chnh: Ti sao phi thc hin?2. K hoch ti chnh: Cch lp mt k hoch ti chnh3. K hoch ti chnh: t ra nhng mc tiu

K hoch ti chnh: t ra nhng mc tiu

1. K hoch ti chnh: Ti sao phi thc hin?2. K hoch ti chnh: Cch lp mt k hoch ti chnh3. K hoch ti chnh: t ra nhng mc tiu

Ln k hoch ti chnh l mt k nng bn cn phi hc v luyn tp. V l iu bn s phi lm trong sutqung i cn li ca bn. Nu bn thc hin ngay by gi, bn s thy nh nhng nhng nm sau ny.

A. Xc nh cc mc tiu ti chnh c nhnBc u tin thnh cng trong vic ln k hoch l xc nh cc mc tiu ti chnh c nhn ca bn. Btu bng nhng iu bn mong c. Nhng mong c l g? Liu chng c ging nh cc mc tiu diy khng:

1. Thanh ton n c nhn2. C tin tit kim3. Bt u lp mt qu khn cp4. Tr tin hc ph cho con ci5. dnh tin mua nh hoc xe mi6. u t cho vic v hu7. dnh tin mua mt cn nh ngh mt8. Du lch9. Chm sc con ci10. Lp gia nh11. Tr tin mn ngi chm sc nh ca12. li ti sn cho con chu

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19/76

13. S hu mt doanh nghip nh14. Lm t thin.B. Quy trnh thit lp mc tiu

t c cc mc tiu ti chnh, bn phi thc hin mt s bc cn thit. Bn c th lm theo mt quytrnh thit lp mc tiu n gin sau:

1) Xc nh mc tiu.Hy ln danh sch tt c cc mc tiu m bn xc nh v thc hin chng theo th t u tin. iu g lquan trng nht i vi bn? Bn thch chng c thc hin theo trnh t thi gian nh th no? C mc tiuno mang tnh cnh tranh vi nhau khng?

2) Ln thi gian c th thc hin mc tiu.Bn ch c th t c mc tiu khi bn ln k hoch thi gian c th thc hin. Nu khng th khngtht s l mc tiu, c ng khng? m bo k hoch thi gian phi thc t v ph hp vi mc tiu cabn. Trong 5 nm, ti s tr xong tin cho ngi nh mi s thc t hn l tun ti, ti s tr thnh triu ph.Nhng mc tiu khng thc t s dn n nhng mong i khng ng n.

3) Hy vit mc tiu ra.Tht kh nh mc tiu ca bn nu nh bn khng vit ra. Hy vit vo mt mnh giy v t ni m bn cth nhn thy mi ngy v d ca t lnh. Hy vit tht c th. Lun c nhc nh v mc tiu s gip bntp trung thc hin.

4) Theo di tin trin.Bn s khng bao gi bit c bn c t c mc tiu hay khng nu bn khng theo di vic thc hin.Hy theo di tin trin vic thc hin mc tiu mt hoc hai ln mi nm bit c bn c i ng hngkhng. C th bn s phi c nhng iu chnh nh k gip t c mc tiu ra. ng bun nu nhbn phi thay i k hoch v mt s vn nh khi thc hin.1. K hoch ti chnh: Ti sao phi thc hin?2. K hoch ti chnh: Cch lp mt k hoch ti chnh3. K hoch ti chnh: t ra nhng mc tiuChm sc con ci

Cha m no cng mun con ci mnh c ton m khi ln ln. S thnh cng ca conl nim vui, hnh phc ca cha m. Nhng a tr sinh ra trong nhng gia nh khcnhau li c xu hng c nui dy v pht trin khc nhau. Trong nhng gia nhc b m l nhng ngi thnh t, con tr c iu kin sng tt hn, th vicchm sc con li cng cn quan tm nhiu hn.

Chnh v vy, vun p thnh cng cho con, cha m cn quan tm ti vic gip conhc tt, gio dc vn ha cho con ngay t khi con cn nh, c bit, cha m phil tm gng tt con ci hc theo.

Cha m gip con hc tt

Cha m phi cng trng hc to cho con ci mt nn gio dc tht tt. Trng hcdy con ci chng ta ci ch, php tnh, tnh yu, tnh bn, trch nhim, cng

bng,... nhng cha m mi l ngi gip con ci thc hnh tt nhng g c dy trng. Gip con hc tt chnh l to cho con c hi t c tri thc.

Gip con c nhng thi quen n nh: Cn xc nh chuyn con ci hc tp u v thi gian hc nh l lc no, ngoi bi tp trn lp cn phi lmthm bi tp nh nh no?... Khuyn khch con c sch: Sch m ra mt th gii mi v tng cho trem, gip xy dng vn t vng, tng cng tr nh, bi b tr tng tng vdy tr k nng suy ngh ht sc gi tr.

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20/76

H tr thy c gio ca con: hc sinh tip thu tt nht nn gio dc thcn phi c s lin kt gia b m, thy c v hc sinh. t vic gip con hc tt ln hng u: Lm th no con mnh nhn cs gio c s gio dc tt nht chnh l iu m mi bc cha m ngh ti utin vo mi bui sng v l suy ngh cui cng mi khi nhm mt i ng hngm.

Cha m cn gio dc vn ha cho con

Ngoi vic chm lo cho con ci v hc tp, n mc, vui chi gii tr, nhiu bcph huynh cho rng vic gio dc vn ha cho con ci mnh l vic ca nh trng.Nhn nh ny khng h chnh xc v tht ra, gia nh mi l mi trng tt nhtcho vic gio dc vn ha v cn bt u cng sm cng tt mt cch c thc.

Trong gia nh, cha m c thi quen theo di thi s qua bo ch, ham m th vuic sch, xem phim nh s to mi trng gio dc vn ha l tng. Cng con citr chuyn, bn lun nhng ni dung c xem m ph hp vi con ci th strang b cho con mt tm nhn rng ri v quan im sng vng vng.

Do gia nh kh gi, b m li bn cng vic nn nhiu tr c iu kin hn tip xc vi nhng ci mi m m chng ang t m. Bc cha m l doanh nhn d bnn u cng cn mt nhiu hn n con ci nht l khi chng bc sang tuiteen. Thay v lo lng, can thip su vo i sng ring ca con hay tranh ci, ktti con, cha m nn tm l hn khi mua nhng sch lin quan v gii tnh bsung t sch gia nh v hng dn con c. Cha m cng nn tho lun trc tip vgii p thc mc sau khi con c sch. iu ny gip con ci gn gi vi cha mhn v d dng th l nhng tm s thm kn vi cha m. Vi nhng gia nh c iukin trang b my tnh cho con th khng nn t my vi tnh trong phng ring cacon v my tnh cn c ci t chng trnh ngn chn nhng trang web en hnch s t m ca con ci.

Cha m nn dy con cch chi tiu tin

Khng t cha m c ngh cung cp y tin bc cho con l thng yu v chm locho con. Nhng chnh s tha thi tin bc nhiu khi li a con ci n vi nhngthi h tt xu. V th, ty theo la tui, cc ng b, b m s phi c nhngcch kho lo gip con hiu c gi tr ca ng tin c cch chi tiu hpl.

Con ln 4 n 5 tui: Gip con hiu rng mi th u c gi ca n nnkhng c dng phung ph v khng c xi ng tin khng phi ca con vdy con hiu rng trn i ny cn c nhng ngi rt ngho kh. Con ln 7 tui: tp dn cho con tnh t ch, mi tun cho con mt stin nh mt ln. B m cng ni chuyn, khi gi cho con v cch tiu tinnh th no, ng thi dy con khng bao gi c ly cp ca ngi khc. Khi con 12 tui: Tuyt i khng cho tin con cn c vo kt qu hc tp.Hy cho con tin v dy con cch tit kim, khi no nn chi tin v khi noth phi dnh dm. Con n 16 18 tui: Vi con ci lc ny, tin ng ngha vi t do v tch. Hy lp mt ngn qu c nh ch cho con ty theo hon cnh gia nh.

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Cha m cun thng xuyn trao i vi con ci v kinh nghim chi tiu v qunl tin bc ca mnh c nh ngy nay. l cch tt nht con suy nghv sau ny s t bit kim tin v xi tin ng n.

Cha m l tm gng cho con ci

Con ci thng chu nh hng nhiu t cha m, nht l t nhng hnh vi, tnh cmn cc ng x hng ngy. Nhiu bc cha m v mun chm lo, nui dy con ci thttt m ch ch vo hnh vi, thi ca con m qun rng chnh mnh phi l tmgng cho con ci noi theo.

Vy cha m hy l tm gng tt cho cc con theo cc cch sau y:

Khng ci nhau trc mt con ci : Cng vic mt mi, li thm p lc gianh nn nhiu ngi d b stress. V vy xung t gia nh i khi l iukh trnh. Nhng xung t dng ny li khin con ci ngh rng mi ngi tronggia nh khng cn yu thng nhau na v chng s nhanh chng c nhng hnhvi tiu cc. Bit lng nghe v gii p thc mc ca con: Con ci lun c nhng thc mctheo tng la tui v mong mun tm c gii p. Nu cha m qu bn rnkhng dnh thi gian gii p cho con th chng s ri vo tnh trng khngbit r ng sai v khng bit tm s cng ai. Nn tp trung vo u im hn l khuyt im, trnh k lut con trc mtngi khc : Hy ghi nhn nhng im tt v im cha tt ca con v la lcthch hp ch ra cho chng thy pht huy mt mnh v hn ch mt yu. Trcon thng c tnh t i cao v lun mun c i x nh ngi ln. Vy nn,trc mt ngi ngoi, nht l trc bn ca con, khng nn k lut hay mngnhic chng.

http://www.doanhnhan360.com/Desktop.aspx/Cuoc-song-360/Gia-dinh-

360/Doanh_nhan_va_cham_soc_con_cai/Dy con cch tit kim tin

Khi tr mun mua mt th m chng thch, cha m khng nn a tin cho con mualun m hy khuyn khch con tch gp tin t mua chng.

Nu t lc cn th tr bit tit kim tin th ln ln chng s bit tiu tinng cch.

1. Tit kim t khi cn rt nh

Tr tp i v tr cha n tui i hc th khng c khi nim v tit kim tinbc, v vy dy chng tit kim tin bc bng cch mua cho chng con heo nha hocheo t ri t trong phng ca chng.Bn b tin mng tui hoc tin ai cho chng vo nhc nh chng bit cchgi tin ca mnh, khng i mua chi hay nhng th linh tinh. Tr ln hn mtcht th c th dy tit kim bng cch ch ra nhiu vt khng th thay thngay c nn chng cn bit cch gi gn. Tr bt u i hc v tui thanhthiu nin th cn dy c th hn.

2. Ngi ln tit kim lm gng

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Khi dy bo con tit kim th chnh ngi ln cng phi l mt v d in hnhtrong vic tit kim. Ngi ln khng c chi tiu mt cch hoang ph. Chnhngi ln cng phi c khon tit kim trong heo t khuyn khch tr cng cthi quen b ng tit kim nh mnh.

3. Cho con i mua sm

Cha m c th nh con i mua mt s g ca hng tp ho. Cha m c tha cho con danh sch nhng th cn mua cng vi mt s tin mt nht nh. Tr emc th so snh gi c cc ca hng v chn mua nhng ni c gi r hn v tm ltr con lc no cng mun khoe vi b m v nhng thnh tch, k c thnh tch muac hng gi r.

Mt khc, khi so snh gia cc ca hng vi nhau, nu mua c nhng th b mgiao m vn cn tha tin, tr s c c mt khon nho nh c th dng vonhng th chng mun. y cng l cch t chng bit tit kim cho b m v chobn thn.

4. Dy con cch qun l tin

Hy tr em qun l tin mt cch ph hp theo tui ca chng. Tr em philm nhng vic vt trong gia nh nhng khng nn cho chng hy vng nhn c tincng. Tuy nhin, trong mt s trng hp no b m c th xem xt v cung cpph cp nu tr c thi tt.

Tr s qun l s tin mnh c ph cp v dng s tin ny t chi tr chonhng th chng cn trong sinh hot ring t hng ngy ch khng phi xin tin bm. iu ny s dy cho tr em tit kim tin min l cha m khng c cho thmtin tr vo nhng ngy l tt hay sinh nht.

5. Gip tr c mc tiu tit kim

V d tr mun mua mt th no m chng thch, cha m ng nn a tin chochng mua lun m hy khuyn khch con tch gp tin t mua chng. Cha m cth bo con khi c tin, khng nn dng mua nhng th linh tinh m hy tch lithnh mt khon mua th t tin hn m chng ang cn.

6. Cung cp cho tr nhng thng tin lin quan

Nhng thng tin lin quan n tit kim c th l cnh nhng ngi nng dn vt vmi lm ra ht go hay phi vt v th no mi cho ra mt b qun o chng angmc. Nhng thng tin ny s gip tr bit tit kim, gi gn v yu qu hn nhng dng v nhng th mnh ang c.

L mt ngi mua sm khn ngoan

Mt trong nhng cch bn ci thin tnh hnh ti chnh ca mnh l tr thnh mt ngi mua hngtht khn ngoan. lm c iu , bn hy tham kho nhng iu di y.

1. Ch mua nhng th m bn bit chc chn l mnh s dng

Bt k th bn mua v t hay r th cng l mt s ph phm ht sc nghim trng khi bn khng s dngn chng. Do vy, li khuyn a ra y l bn ch nn mua nhng th m bn chc chn l bn s dng.Mun tr thnh mt ngi mua sm khn ngoan th bn nn trnh tuyt i vic mua hng ty theo hng.

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2. Tn dng cc c hi gim gi

Nu bn c v khuyn mi hay bit c cc thng tin gim gi th hy tn dng trit nhng c hi ny. Bnng ngh rng mua hng gim gi s khng tt v nu bit cch chn la bn vn c th mua c nhngmt hng c cht lng tt m gi li r hn nhiu trong nhng t gim gi hay thanh l ca hng.

3. Dnh nhiu thi gian la chn hng ha hn

Vi nhng ngi c t thi gian, h thng i thng n ch c mt hng mnh cn v mua ngay. Tuy nhin,nu bn rnh ri hn th bn nn i tham kho mt vi ni trc khi quyt nh mua mt mn hng no vnh th chc chn bn s mua c hng vi gi thp nht c th.

4. Mua hng vi s lng ln

y l mt cch mua hng rt thng minh nht l i vi nhng mt hng tiu dng nh x phng, du giu, bt ngt, Nhng mt hng nh th ny khi c bn ra vi s lng ln thng c km qu tng hocgi gim i mt cht. Vi cch mua hng ny, bn tit kim c mt khon kha kh.

Thc Anh -Sc Tr Vit Nam

Bn l do tit kim tin ngay by giTht kh c c li khuyn v cch tit kim tin bc. Nhng bn tng ngh l do ti sao vic tit kimtin bc c ngha rt ln khng?

Chc chn mt iu quan trng l bn phi dnh tin s dng lc ngh hu, cho con ci hc i hcv phng nhng trng hp chi tiu t xut, nhng c mt l do khc nn tit kim tin l tit kimtin bc lm cho bn tr thnh mt ngi hnh phc hn.R rng l mi quan h ca chng ta vi tin bc c nh hng ln n hnh phc ca chng ta. Cch chngta cm nhn v tin bc nh hng n tt c cc phng din trong cuc sng ca chng ta - cm gic bnhyn, t do, an ton, hi lng v thm ch l tnh yu. Tr thnh mt ngi tit kim tin bc hiu qu v thnhcng c th nng cao lng t trng v lm tng hnh phc.

Chng ta tit kim tin bc khng phi ch v nhng th m tin c th mua c, m cn v nhng cm gicthng hoa, tch cc v tt p m cm gic d d v ti chnh c th mang li.

Sau y l bn l do ti sao vic tit kim tin bc s khin bn cm thy hnh phc:1) Bn c th n nhn nhng iu bt ng m khng cm thy s hiCc trng hp khn cp xy ra vi tt c chng ta - t chuyn mt vic n xut hin mt l thng trn minh. C mt qu d phng mang li cho chng ta cm gic an ton. Mt s tin d tr phng trong trnghp khn cp c th lm gim nh s lo lng v khin bn cm thy c kh nng v trch nhim.

2) Bn sn sng khi c hi nS tin tit kim ca bn c th mang li cho bn cm gic t do v c lp qu gi. Nu c hi n, bn s cnhng s la chn v c may - thay i cng vic, i ch , bt u kinh doanh hoc u t. Cmgic mnh c th c cc la chn s cho bn cm gic v s d d v giu c.3) Bn c th bin c m thnh s thtMt trong nhng l do tt nht tit kim tin bc l s thch th, t tin trong vic t ra cc mc tiu ti chnhv t c nhng mc tiu . Khi t c mt mc tiu, bn chng t bn thn bn tht s c kh nngv gii giang nh th no. Bn cng s tr thnh mt tm gng tt cho con ci bn, chng s thy rng cucsng ny tht tt p v nhng gic m c th bin thnh s tht. 4) Bn c th chia s vi ngi khcS thoi mi v ti chnh nh vic tit kim mang li c th gip bn cm thy t tin trong vic chia s v em

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25/76

Bi bo ny s gip cc bn mt cu tr li khim tn lm th no tng mt cch ng k s tin trong tikhon tit kim ca chng ta.

Trung bnh, chng ta nn tit kim khong 1/3 thu nhp ca mnh khi ta la tui 20, 30 v 40 dnh tincho sau ny v hu dng gi, tin d tr cho cc tnh hung cp bch v dnh cho mc tiu ln cami chng ta l mua mt cn nh.

Lm th no bin k hoch ny thnh hin thc?Nn tit kim nhng g dnh c chng tin v c cn phi lm ngay t by gi khng?

Trc ht, th tht, lc ny kh c th tit kim c 1/3 thu nhp ca mnh. V phi vt ln vi 2 cn bo tichnh vo nm ngoi, sinh con v mua nh. Do phi tr gp tin mua nh v chi tr ph sinh hot hng ngy,chng ta s ht mt khon tin tit tim theo k hoch nhng phi d nh ngay khi cc chi ph ny gim bt,s quay li k hoch tit kim ca mnh.

Di y l mt s cch tit kim cc bn tr tham kho:

Hy sng ging nh mt sinh vin i hc mt thi gian di ngay c sau khi bn tt nghip: Chngti v ti tip tc sng trong mt cn h nh vi nhng c c k nh sofa trong vng 5 nm sau khi ttnghip. Ban u, chng ti thm ch cn khng s dng truyn hnh cp v ch dng mt loi tivi c. Sau mtthi gian, chng ti cn sp xp c ch cho em b ca chng ti trong cn h cht hp .

Tr thnh mt u bp thanh m . Trc khi kt hn, ti khng bit nhiu v nu nng, nhng sau ti nhanh chng hc cch nu cc mn n c nhiu rau qu t h thng nu n Food Network. S dng t thtc hn s gip chng ta tit kim tin, tng t, bn cng nn hn ch i n ngoi nh hng.

Gn b vi 1 chic xe hi. Chng ta thng chn sng gn cc tuyn giao thng cng cng, do vy, chng tac th ch cn s dng 1 xe hi, iu ny gip mi nm tit kim hng ngn la. Ngoi gas, chi ph bodng v bo him, xe hi cng ngn kh nhiu tin, v vy, nu bn gn b vi 1 chic xe hi, bn s thy ti

khon ca mnh c s khc bit kh ln. (3 mc u tin nh ca, thc n v phng tin vn chuynthng chim n 2/3 thu nhp ca mi ngi, do vy, ch trng vo gi c ca 3 mc ny s tit kim ckh ln s tin cn dnh).

S dng in thoi di ng c. Chng ta ng bao gi tham gia vo ln sng smartphone in r, mc dnh vy khin chng ta trng c v khng snh iu khi c k k ci in thoi di ng cng knh kiu c,nhng li tit kim c khi tin.

Hy t thng cho mnh mt vi s thch nh b nhng c ngha . Khi ti mua mt chic LCD cho chngvo ngy sinh nht ca anh y ( thay th chic tivi c rch ca chng ti), ti ngh l mt s thch kh tntin, v c l cng khng cn thit lm. Nhng vi nhng hi sinh m chng ti lm trong thi gian qua, ti

cho rng chng ti xng ng c hng th vui ny, d c tn km cht t. Chng ti cng mua loi biangon v nh ung, d gi l 9 USD/lon, nhng vn tit kim hn nu ung qun bar no .

Mi ngi u c cch tit kim khc nhau, ty theo s thch ca mnh. Bn c th hng ngy xch cp lngcm n cng s nhng mi nm li i ngh mt khu resort nc ngoi no , hoc thch n cm timnhng li cp nht nhng coupons mua hng min ph ca cc ca hng thc phm.

V hu nh tt c chng ta u c th tit kim tin rt nhiu theo cch ca ring mnh, bt k bn c mc thunhp nh th no v ang sng u. Bn ch cn c cch sng thanh m hn thu nhp thc t ca mnh,chng hn, chc chn thnh thong bn cng mun c mt chic tivi snh iu hn, hoc mt c p hn,

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nhng nim vui ngn ngi m nhng dng ny mang li c ng chng ta phi tr qu nhiu tin nhvy khng. Thay v iu , chng ta hy u t vo cc mi quan h, cc s thch v ngh nghip, tt cnhng iu chc chn s c li hn mt chic tivi t tin nht, phi khng bn?

Thanh Vn (Ngun U.S.News)Nhng Khon Tin Tit Kim Bn Phi C Cho Tng Lai Ca Minh

t nhng mc tiu v mt ti chnh tit kim tin cho by gi v tng lai.

Khi ngh v k hoch ti chnh ca bn, iu quan trng l phi ch n nhng khon tit kim cho tng lai.Nu bn khng t mc tiu cho vic tit kim, bn rt c kh nng gp phi mt khong thi gian kh khntrong vic thu xp tin bc. C th mt vi s n lc v ti chnh c v nh qu xa vi trong thi im hin ti,nhng nu bn mun t c bt k mc tiu ti chnh no th bn cn phi hiu rng, nhng khon tit kimcho tng lai l cch duy nht c c chng. Di y l mt vi khon tit kim m bn nn c:

Tin tit kim mua nhS hu mt ngi nh l c m ca mi ngi M. Vic mua mt cn nh s l quyt nh ti chnh quantrng nht m bn s thc hin. Hy tm mt ngi nh va ti tin ca bn v khng cao hn mc d chi, chod bn c thch n nh th no i na. Trung bnh, cc khon thanh ton hng thng nn mc khong 30%tng thu nhp ca bn. Bn s mun tit kim c 20% gi bn ngi nh bng cch thanh ton mt ln. Vicny c v kh thc hin nhng n s gip bn nhn c li sut cho vay u i hn t pha ngn hng. Victit kim tin mua nh i hi bn phi bt u dnh t 5 nm trc.

Tin tit kim hu trTin tit kim hu tr khng phi l iu m bn c th la chn v nn c trc nhiu th. Gi tr ca mt IRA(Individual Retirement Account _ Ti khon hu tr c nhn) uc lin tc nhc n l c l do. IRA truynthng cho php bn khu tr khon ng gp ca bn t nhng khon thu, v chng trnh Roth IRA chophp bn rt nhng mn tin tit kim khi v hu m khng phi chu bt c khon thu no. Gii hn chokhon ng gp vo chng trnh IRA tng ln n 5000$ trong nm 2008. Bn nn bt u ng gp vochng trnh IRA ngay t by gi. Bn bt u cng sm th s cng c nhiu tin khi v hu.

Tin tit kim cho vic hc hnhTit kim cho vic hc hnh ca con bn l mt vn quan trng. Bn hy xem xt iu ny: tnh trung bnh,

mt ngi c bng cp (i hc hoc cao ng) kim c nhiu hn nhng ngi khng c bng cp800.000$. Tin hc i hc, cao ng tn trung bnh khong 15.000$ / nm, hin nay, s tin s hn59.000$ mt nm v trong sut 17 nm. Nu bn c con ci, hoc ang mong c con, th bn nn bt u dnh ngay t by gi v mc tiu s l khong 200.000$. Bn cng bt u sm bao nhiu th c hi bn dnhcho vic hc ca con ci cng tt by nhiu

Nu phi la chn gia ti khon tit kim hu tr v thu xp tin cho vic hc ca con ci, tin tit kim hu trca bn nn c chn u tin. Nhng khon vay dnh cho sinh vin lun c sn la chn, nhng likhng v tn ti nhng khon vay dnh cho ngi v hu.

Mt qu d phng bt trcMt qu d phng bt trc ch dng trang tri trong trng hp khn cp. Cc chuyn gia ti chnh khuynrng s tin trong qu ny cn phi chi tiu trong khong t 3 n 6 thng. Ban u, bn c th dnht t v nng dn s tin c sn trong ti khon tit kim (v d: t 500$ ln 1000$). t ra mc tiu v tip tctng dn s tin dnh cho n khi bn c tin trang tri chi tiu trong khong t 3 n 6 thng.

Hy ch tit kim thi ch ng da vo nhng khon tit kim ca bn sng, v hy t n vo v tr utin hng u. Ci cm gic kim sot c ngun ti chnh ca mnh s gip bn thy chc chn v ti chnhtrong tng lai. Hy t ra mc tiu r rng v chc chn, v vit n ra giy, bn s thy c v quyt tm thchin n hn. Nu bn cn thm thng tin v nhng khon tit kim m bn cn cho tng lai, hy truy cptrang askmen.com/money v tm phn investing.

Tit Kim Tin Bng Cch Trnh 5 iu Sau

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Hy trnh xa 5 thi quen xu sau c th dnh dm c tin.

Khi tin ca bn c v nh khng cn , hoc khng cn nhiu tin, th y chnh l lc bn c kh nng ty mnh xung ci h ti chnh. Thay v tch gp thm nhng khon tit kim mt cch chm ri, th bn litip tc vung nhng t sc ca mnh ra, v qung nh tit kim tin bc sang mt bn. Hy trnh xa 5 iusau t cu mnh khi ci h su ti chnh , v tit kim tin bc ng cch.

1. Trnh tiu tin qu nhiu cho nhng vn ln

Rt nhiu li khuyn dnh cho vic tit kim tin bc u tp trung vo nhng vn nh. Nhng vinhng ngi lun c t tin mt th h li thng chi tiu qu nhiu cho nhng vn ln, c bit lcho nh ca hoc xe c. Nu s tin bn phi tr cho nhng khon vay mn hoc th chp chimn hn 30% thu nhp trc thu, hoc nu tin mua xe tr gp chim hn 10%, th bn sp phi triqua mt thi gian kh khn duy tr sinh hot bnh thng ca mnh. Hy chi tiu trong kh nng tichnh ca mnh v bn c th trnh c vic tiu tin qu tay.

2. Trnh s nhm ln gia nhu cu v mong munChng ta khng cn nhiu: mt ngi nh, thc n, qun o, v phng tin di chuyn. Nhng chng tacn mun nhiu hn th, v v th nhu cu ca chng ta nhanh chng bin thnh nhng c munkhng hp l. Hy ch ra nhng g bn thc s cn, v lm th no c c n m t tn km nht.

iu ny s gip bn kim sot c tin bc ca mnh. Khi bn ngh rng mnh cn mua mt th g, th hy t hi bn thn xem liu bn c thc s cn mua hay khng. Nhu cu i u vi mongmun l mt vn m tt c chng ta u gp, nhng vi nhng ngi c th t quyt nh xemmnh thc s cn g, th h chnh l nhng ngi c th tit kim c rt nhiu tin.

3. Trnh vic qun theo di chi tiuLc khng cn tin l lc bn cn phi xc nh xem tin ca mnh ang i v du. Bn cn phi bittng ng xu ang c tiu vo u, nh bn c th a ra c mt quyt nh thng minh vcc lm th no ct gim chi tiu v ct gim u. Kim sot c vic chi tiu ca mnh c thgip tin bc quay li vi bn.

4. Trnh mc n trong th tn dngVic mc n trong th tn dng khin bn tn km rt nhiu tn v t quyn kim sot vo tay nhngnh cung cp th tn dng. Chi tr tt c cc ha n hng thng l vic quan trng, v nu bn khngth chi tr y th hy dng vic dng th tn dng. t ko mnh ra khi ci h ti chnh v tiptc dnh tin, th bn nn tr n nhiu hn s tin ti thiu bn phi tr hng thng, v tr ht ntrong th trc khi s dng li n.

5. Trnh phung ph nhng g bn cVic dng n tin dnh khng ch khin bn ph sn ngay by gi, m cn khin bn gi ci vph sn khi v hu. Rt nhiu cng nhn tham gia ng tin vo mt vi qu tit kim hoc qu hutr, nhng gn mt na trong s li bn chng i khi h n lc phi ngh hu. Bng cch bnchng, bn s phi ni li tm bit vi nhng khon tit kim ca mnh v mt rt nhiu tin ngthu v tin pht.

Nu bn ri vo ci h ti chnh v nhn thy rng tin ca mnh ang t i, th hy c trnh 5 thi quen xutrn c th tip tc c tin dnh dm.

Mt s gi tit kim tin

Cch tit kim tin hiu qu l ch mua nhng th bn thc s cn. bt u tit kim, bn cth kim tra li cc nhu cu ca bn xem c nhu cu no c th ct gim tit kim c. utin, bn nn bt u t nhng khon chi ln c kh nng tit kim c nht v mua vi chiph thp hn. Ct gim chi ph cho mt khon chi ln (nh ca v xe c) km theo tit kimnhng chi ph nh nh thc phm hay qun o,... s gip bn tit kim c kh nhiu.

Mt s li khuyn chung

Phn bit r rng gia nhng th bn Mun v nhng th bn Cn. Bn c th tit kim cnhiu tin nu bn phn bit c r rng nhng th bn Mun v nhng th bn Cn. Nhng

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th bn Cn l nhng th duy tr cho cuc sng ca bn: ch , thc n, qun o, i li. Nhngth bn Mun l nhng th lm tng hay ci thin cuc sng ca bn. Bn khng nht thit phimua nhng th p ng mong Mun ca bn- ch khi bn t la mnh bn tin rng nhngth bn Mun chnh l nhng th bn Cn.

Thi quen mua hng. Xu hng ca chng ta thng mua nhng th t tin nht, to nht chod tr gi thc ca chng nh th no. Chng ta thng mua chic o c tr gi thc 100 nghnvi mc gi bn 500 nghn. Chng ta chp nhn mt ba n ti nh hng vi trm nghn trong

khi vi vi chc nghn l c mt ba ti ngon lnh ti nh. Bn c th cn nhc nhng nim bn s mua sm v bn s mua nh th no, qua bn c th thay i thi quen mua smca mnh tit kim.

Nu thu c, bn hy thu. Cch ny s gip bn trnh mua phi nhng th m bn him khihoc chng bao gi s dng n. Trc khi mua mt th g , c bit l nhng th ln, bn cth mn hoc thu th trc khi bn mua. Sau khi th, bn thy chi ph thu thp hn chiph mua, bn khng cn mua v s thu khi dng n.

Tr hon khi mua hng. Khi mua mt th g , bn nn tr hon mua hng. Bng cch ny bns trnh mua phi nhng th do cn nghin shoping bt pht gy hu qu. V d: Nu bn cnmua mt vi b qun o khi i shoping trong khi t qun o ca bn rt y, bn c th trhon s mua vo ln sau. V bn s cm thy tht hnh phc khi mnh khng mua thm vi bqun o ti ca hng. Sau vi ln tr hon, bn s khng cn hng th mua mn hng trongmt thi gian di cho ti khi bn thc s cn chng.

Tit kim vi mt s chi ph cn thit (Thc phm, qun o)

Tit kim khi mua thc phm. Thc phm l nhu cu cn ca bn sng. tit kim chi ph khi mua thc phm, bn c th tham kho mt s gi sau:

Ln thc n trc. Bng cch bit chc bn cn nhng g, bn c th mua vi s lng nhiu vichi ph thp hn. ng thi, thc phm trong mi ba n gia nh s va hn thay v thathi.

Mua hng ha cc ca hng tp ha gi r hn. Hng thng bn mua hng cc ca hng tpha tng i nhiu. Do , bn c th tit kim c kha kh nu bn mua hng cc ca hngtp ha r hn. Bn khng nn "nm tin" vo mt ca hng tp ha m bn bit chc l gi cao hn cc ca hng tp ha khc ch v ca hng gn nh bn hn.

Qun o. Mc d cc mt hng tiu dng khc nh my tnh, in t,... cng ngy cng gimgi, nhng gi c qun o ngy cng tng. tit kim khon chi ph khi mua qun o, bn cth tham kho mt s gi di y.

Mua trc ma. Bng cch mua hng vo cui ma, bn s tit kim c khc nhiu. l dpcc ca hng gim gi gii phng hng.

Mua hng cht lng. Bn mua i giy tr gi 80$ s dng c lu v mt thi gian muasm hn 3 i giy 35$.Trnh xa cc ca hng thi trang. Mua nhng qun o cn thit nht. Bn lun m bo rngqun o ca bn c th mc t ma ny qua ma khc. Trnh chy theo mt.

So snh. Bn nn dnh cht thi gian so snh hng ha gia ca hng ny vi ca hng khcqua in thoi hoc Internet. Internet c th gip bn tit kim c nhiu. Bn c th nhanhchng so snh hng ha gia ca hng ny vi ca hng khc ch bng mt c click chut, bnc th tit kim c kh nhiu khi mua sm.

Du lch. bn vn c th i "i gi" vi chi ph hp l nht, bn nn dnh thi gian tham kho28


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ph du lch gia c hng. Bn c th tit kim c nhiu triu ng. Mt khc, bn nn trnh ingh vo cc dp l tt.

Ngun: Ourfamilyplace

Bin dch: Ng Thu Hin

Nhng li th ca vic t mc tiu trong qun l ti chnh c nhnNDHMoney) Rt nhiu ngi vi t ra nhng bn k hoch chi tit cho vic qun l ti chnh c nhn mqun i mt chi tit quan trng: mc tiu. Vic c mt mc tiu c th v thc t s mang li rt nhiu li thcho k hoch ti chnh c nhn ca bn.

Trong cuc sng, t mc tiu lun l mt tng tuyt vi bi nhn chung, mt mc tiu c th, thc t giptng sc mnh ch v c hi thnh cng ca bn. Qun l ti chnh c nhn l mt phn ca cuc sngthng nht v cng khng l mt ngoi l: c mc tiu c th v thc t lun l mt du cng ln cho phpton thnh cng ca bn. Hy vng nhng li ch di y ca vic t mc tiu cho qun l ti chnh c nhns em li cho bn thm ng lc v l do thc hin tt cng vic ny.

Ngn hi ng ti thnh cng

Tm kim mt mc tiu r rng v thc t, suy cho cng, l mt phng thc gip bn tin gn hn ti thnhcng. Mt khi trong bn r v mc tiu ca mnh, tt c nhng iu cn li l dn cng sc hin thc hamc tiu . Bn s rt ngc nhin khi bit rng nhiu nghin cu khng nh vai tr ca mc tiu trong victng s t tin khi tm kim nhng thnh cng v ti chnh. Nu bn ngh rng thnh cng khng ch cn l cth, nhng mc tiu r rng v thc t s l bc i quan trng cui cng, bt u chui thnh cng trong lnhvc ti chnh ca bn.

Cnh bo: mc tiu qu cao s phn tc dng

Ai cng khng nh rng vic c mt mc tiu thc t mang li nhiu li ch, v trong , t thc t l mtmu cht m nhiu ngi lng qun. Trong khi phn ln mi ngi u mun t mc tiu cao c thnhcng ln, nhng k vng vin vng, thiu thc t chnh l con ng ngn nht ti tnh trng chn nn v cuicng l tht bi. Thm ch khi bn c nhng bc tin nh nhng nu mc tiu ca bn thiu tnh thc t,thnh cng vn s l mt ci g xa vi. Tm li, mc tiu khng thc t lm mt i ng lc m vic tmc tiu ng ra phi mang li v mang bn gn hn ti hon cnh mt mi, chn nn.

Mc tiu tng tnh trch nhim

Khng ai c th ph nhn tm quan trng ca yu t trch nhim trong vic qun l ti chnh c nhn. Trongth gii ti chnh, nu mun thnh cng, bn nht nh phi t to p lc, tng tinh thn trch nhim cho bnthn v vic t mc tiu l mt phng n tuyt vi thc hin iu . V d nu bn c mc tiu di hntrong mt nm ti, hy kim tra v t nh gi 3 thng 1 ln; iu ny s thc y tnh t gic v tinh thntrch nhim ca bn

Dng mc tiu gt i tht bi

c tnh kin tr lun xut hin trong t truyn ca nhng ngi thnh cng v c bit, nu bn mun thnhcng trong lnh vc ti chnh c nhn, kin tr l mt cha kha cho mi n s. c tnh ny c th hin rnht qua cch bn ng x vi tht bi: ngi thnh cng mm ci v hc t tht bi, k tht bi u hng vt b. V vic t mc tiu tt mt phn thay i ci nhn ca bn vi nhng trc tr bn gp trong qu trnhvn ti thnh cng. Do vy, hy lun nm gi nhng mc tiu trong u v n lc ht mnh t cchng!

Mc tiu em tin gn hn vi hnh phc

Mt trong nhng iu k diu nht ca mc tiu l vic n gip bn n gn hn vi nhng g quan trngvi bn. Hnh phc thng khng n t tin m t vic bn theo ui v thc hin nhng mc tiu gn gi

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nht vi nhng iu tri tim bn trn trng. Hy tiu tin ng cch, ng ch v ng lc. Mt mc tiu tt sgip bn lm c nhng iu : mc tiu tng thm gi tr cho s tin bn kim c v lm cho nhngng tin c ngha hn.

7 ht ging lm giu

Ngi Vit Nam ta c cu: i ph do thin, tiu ph do cn." Hm nay, ti mo mui sa li l: T ph dothin, triu ph do cn." M triu ph ny l triu ph la M c ch khng phi triu ph tin Vit Nam ngynay u. Ngy xa, khi ng b ta dy tiu ph do cn, khng hiu qu v hiu sao v ch cn" y. Ring ti, tich hiu mt cch n gin ca ch cn" l cn kim". Thc t ca cuc sng ngy nay ch cn vn cnng, nhng n ln hn v mang nhiu t tng hn trong tr c nh b ca ti ngy trc. Vy cn g lmgiu?

1 Cn: Cn c kht vng

Ci cn u tin khng phi l tin u m cn c kht vng lm giu, ci kht vng y c phn tchtrong bi Lm giu: Bt u t u. Nn hm nay ch lc s li ci cn ca kht vng. Ci kht vng lmgiu l hy vng lm giu c i km vi nhng hnh ng c th.

2 Cn: Cn c kin thc

Kin thc l nhng kinh nghim hc hi t trng hc, v trng i. Ngi c kin thc khng nht thit phic khoa bng, bng cp g c. Nhng ngi c kin thc bit ng dng nhng thng tin, a ra nhng giiphp mi cho cuc sng hng ngy. ng rng kin thc no cng quan trng trong cuc sng ngy nay c,nhng nhng ngi c kin thc v tin bc c li th hn kim tin. Hay r rng hn, ngi c kin thcv tin bc d lm giu hn ngi khng c kin thc v tin bc. Ngi c kin thc v tin bc d dngnhn din ra c nhng c hi kim tin m ngi khc khng nhn thy. C mt anh hc tr km tm nngi thy ca mnh hi xem anh ta phi lm nhng g mi c im ln lp. Sau hn mt gi ngh ngi thy ch dn cho anh nhng cch hc bi, cch c sch, nhng cch lm bi thi, cng nh cch lmlun n. Anh ngh vi ngi thy thu bng dy nhng cch hc ny em bn cho cc hc sinh i hc.Kt qu, c hai thy tr thnh triu ph.

3 Cn: Cn c nhng c tnh tt

a. Tnh cng quyt: Tnh cng quyt l tnh quan trng hng u a n thnh cng. Tnh cng quyti hi con ngi phi c lng can m quyt nh khi c nhng d kin cn thit. Ngc li vi tnhcng quyt l tnh chn ch, ci g cng khng dm quyt nh lc no cng nhn cuc i bng cp mt anghi. Ngi c tnh chn ch l nhng ngi nhu nhc.b. Tnh bn ch: ngi c tnh bn ch l ngi khng b cuc gia ng, khng nn ch khi gp nhng thtbi tm thi. Trn con ng dn n thnh cng, ng nhin c nhiu trc tr nhng mt ngi bn chlun lun nhm n mc ch ca mnh v i mi khng ngng cho n khi mc ch t c.c. Tnh t tin: tnh t tin l mt th ha cht trong u c pha trn vi nhng t tng ca con ngi. Nhvo ci t tin ny con ngi mi mnh dn ng dng nhng kin thc ng thi im t c nhng stin khng l m ngi khc gi l vn may. Khi t tng ca con ngi bi quan, thiu t tin, th t n smang n vn en m thi. Cng ging nh cc nam chm lc no n cng pht ra nhng t trng thuht st xung quanh n. Ci t tin ca con ngi cng nh th lc no n cng pht ra nhng lung sng thu ht nhng g trong t tng ca ngi . Nu con ngi pht sng thu ht tin th trc sau g tinbc cng n vi h.

4 Cn: Cn c t chc

Ngi c u c c t chc lc no cng c k hoch r rng. H k hoch cho tng ngy thm ch tng gitrong i h. V mi ngy h t kim tho li xem c g thiu st trong ngy hoc c cn phi thay i cth thch ng vi k hoch nh, nhng ci t bit ca ngi c t chc l h khng thay i k hoch nhchong chng. i xa hn nhng t chc trong u ca mt c nhn, h li c thm mt t chc thc hin khoch ca h. Tht ra, ti cha thy c mt c nhn no m c th m

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