[ Thương gia bds ] Tôi và Tiền của tôi

  • View
    362

  • Download
    5

Embed Size (px)

DESCRIPTION

i ng ca chng ti tp hp nhng nh mi gii Bt ng sn Chuyn Nghip v Uy Tn NHT H Ni. "Mi con ng kinh doanh thnh cng u i qua v ng trn kinh doanh bt ng sn, ch c iu bn i qua n sm hay mun m thi " Chng ti nhn thc r rng s mnh ca mnh l em n cho cc bn s vui v , hnh phc v hi lng nht khi mua hay bn bt ng sn ca mnh . Vi mng li qung co, PR, Marketing v cng rng ln chng ti cam kt gip cc bn mua, bn ,thu, cho thu bds nhanh nht , tit kim tin nht. V th HY GI NGAY Mr Thng 0979 617 933 thuonggia.nguyenbds@gmail.com tn hng s phc v chuyn nghip ca chng ti !! Thuong gia BDS 0979 617 933 . DANH TING L VNG !

Transcript

  • 1. Ti vTi thch nhng mo v gi bn c th hc hi c rt nhiu qua nhng gi ny m khng cn c trn tp sch.Cch trnh by tngDanh, 32 tuibc mt gip ngi c d hiu. Tin Kim, 20 tuiCi tt l ch ngh n con ci v mi quan h ca ti khng phi ch ngh n tin bc khng thi. Mnh, 44 tui M v con dnh dm mua mn thit tt! Giang, 4 tuiChng con gip Ba lp khoch chi tiu.Bng, 10 tui Ti rt thchNhng kin thit thc v tin bc nhng phng tin lp k hoch chi tiu. Vn, 39 tui c. chuyn tin bgip qu vhiu r hn vtp sch ny scqun l tin btrongng nhng kinChng ti hy vQu v mun o?Nhng mo v gi gip qu v tngca m nh nh th nthm gi tr cho ng tin ca mnh sauCSA 1143.06.06 khi ly thn Cc tc gi xin cm t c php dng nhng li ni nguyn vn ca cc cha/m c tp sch ny.Me and My Money - Vietnamese

2. Ph bin min ph ti www.csa.gov.au hoc xin gi s 131 272:Cc C quan Chnh phCentrelinkFamily Court of Australiain thoi 136 150(Ta n Gia nh c)www.centrelink.gov.au in thoi 1300 352 000www.familylawcourts.gov.auChild Support Agency (C quan Phtrch Tin Cp dng Con ci) Family Relationship Advice Line (ng a CD-Rom in thoi 131 272dy in thoi C vn Quan h Gia nh) tng tc trongin thoi nh ch (TTY) 1800 631 187in thoi 1800 050 321Nhng tng Trnh by nhng Gip ngi i ph vi nhng ngi thc trong tnhwww.csa.gov.auwww.familyrelationships.gov.authc t v cch b quyt v gi chia tay i phnhng vn nhthc pht trin v v cch thcvi nhng cm hng n nhnghung c thcDepartment of Family, Community Federal Magistrates Court of Australiaduy tr mi quangim thiu xung xc nh lo lng gia nh v s chia s nhng (Ta S thm Lin bang c) kinh nghim cngServices and Indigenous Affairs (B Dchh vi con ci saukhc v gy dngbng nhng khi cha/m lyin thoi 1300 352 000khi qu v ly thn; mi quan h thcngh v tin ch v/chng khc, knhng b quyt v Gia nh, Cng ng v Th dn S v)c bit i vitin vi ngi kiai ph vi nhng c nhng b quytv cch thc hin thoi 1300 653 227 www.familylawcourts.gov.aunhng cha m(cha/m) v li ch cm xc ny.gy dng nhng i ph vi cnh www.facsia.gov.auLegal Aid Officesno khng thngca cc con.mi quan h ttchia tay.Department of Human Services(C quan Tr gip Php lut)xuyn sng gn gisau khi chia tay.con ci.(B Dch v Nhn sinh)www.nla.aust.net.auin thoi 1300 554 479Bi min trch nhimMedicarewww.humanservices.gov.auin thoi 132 011Mi thng tin trong n phm ny ch c tnh cch hng dn m thi v ngi c cn hiu rng Chnh phLin bang c khng c lm c vn chuyn mn. Child Support Agency (C quan Ph trch Tin Cp dngFamily Assistance Officewww.medicareaustralia.gov.auCon ci) ngh qu v nn nh cc nhn vin chuyn mn c vn cho hon cnh ring ca mnh. (Vn phng Tr gip Gia nh)in thoi 136 150Mc d ht sc cn thn khi bin son n phm ny, tuy nhin Child Support Agency (C quan Ph trch www.familyassist.gov.auTin Cp dng Con ci) khng bo m hoc cam kt g v tnh chnh xc, cp nht hoc y ca thngtin trong tp sch. Ngoi ra, Child Support Agency (C quan Ph trch Tin Cp dng Con ci) khng nhntrch nhim hoc ngha v php l v bt c nhng mt mt hay thit hi no c th xy ra v ngi c Nhng s in thoi lin lcda vo thng tin c trong n phm ny.Centacare 1300 138 070Cm tBan bin tp xin cm n tt c cc cha/m v c s cung cp dch v chia s nhng hiu bit v kinhFamily Services Australia (Dch v Gia nh c i li) 1300 365 859nghim ca h vi chng ti.Kids Helpline (ng dy in thoi Tr gip Thiu nhi) 1800 551 800Do Looking Glass Press trnh byLifeline131 114Tc gi/Nh phn phi: Child Support Agency (C quan Ph trch Tin Cp dng Con ci); Looking GlassPress (ill) Mensline AustraliaISBN:0-9751931-0-4 (Vietnamese) (ng dy in thoi dnh cho Nam gii c i li) 1300 789 978n bn u tin 2004Relationships Australia (Dch v Hng dn v Quan h V chng) 1300 364 277 Chnh ph Lin bang c 2004 Telephone Interpreting ServiceTi liu ny c gi bn quyn. Ngoi bt c nhng trng hp c php s dng theo o Lut Tc(Dch v Thng dch qua in thoi) 131 450Quyn 1968 (Copyright Act 1968), cm in li bt c phn no ca ti liu bng bt c hnh thc no khikhng c th cho php trc ca Chnh ph Lin bang c. Mi yu cu v thc mc v vic in li v tcCSAonlinequyn, xin lin lc vi Commonwealth Copyright Administration, Attorney Generals Department, RobertCSAonline l dch vGarran Offices, National Circuit, Barton ACT 2600 hoc gi th qua mng internet ti a ch trc tuyn (qua mnghttp://www.ag.gov.au/cca Internet) an ton m qu v c th xem v cp nht thng tin vbo dng con ciqua mng internet.Xin lu : Gi bng in thoi di ng v in thoi cng Mun ng k, xinvo www.csa.gov.aun phm ny do Nhm Ngoi v ca Child Support Agency (C quan Ph trch Tincng s phi tr thm cc.Cp dng Con ci) thc hin. Mi thc mc hay kin ng gp v tp sch ny,xin gi v CSACommunication@csa.gov.au 3. S LC V TP SCHTp sch ny gip qu v: Tn dng gi tr ca ng tin qua nhng mo v gi . Lp k hoch chi tiu. Truyn li cho con nhng thi quen tt v tin bc. Bt u k hoch tit kim.S dng tp sch ny nh th no ty thuc vn kin thc ca qu v. Ti bit cch lp k hoch chi tiu nhng mun bit nhng mo v nhng gi v cch thc lm tng thm gi tr ng bc ca mnh. Bt u phn no cng c. Tm iu no qu v thy thch. Chn mt s kin qu v ng . Thc hin nhng kin ny.Ti khng c k hoch chi tiu v c c chng ha n m dng nh khng th tr ni. Bt u phn mt. Lm theo nhng ch dn tng bc cch lp k hoch chi tiu. S dng nhng mo, nhng gi v thng tin khc thc hin ng k hoch chi tiu ca mnh.Tp sch ny ch l mt cch qu v c th chn hiu r hn v tnh trng ti chnhca mnh.Qu v cn c th: Nh cc nhn vin t vn ti chnh v nhng dch v tr gip khc gip . phn sau tp sch c danh sch nhng s in thoi lin lc hu ch. S dng nhng ti liu khc tng cng k nng ca mnh. Qu v c th tm nhng thng tin hu ch trn mng Internet (Web), ti th vin a phng hoc cc hiu sch. GI : Dy cho con nhng cch lp k hoch chi tiu bng cch cng vi con c tp sch ny.1 4. TIN V LY THN MC LCThng thng, tin l mt yu t gy ra s vtrong quan h v chng. iu ny lm cho tt cmi ngi lin h b p lc nng.S lc v tp sch1 Tin v ly thn2Sau khi ly thn, tnh trng ti chnh ca qu v sthay i. Nu trc y qu v gp kh khn v tinK hoch chi tiu ca ti4bc, c th qu v s nhn thy by gi tnh hnh cnTi bt u t u? 4t hn na.Li tc 5Nhiu ngi c nhng mn n trong thi gian cn l Nhng Chi ph Sinh hot Cn bn 6v chng v h phi quyt nh ai s tr nhng mn Mua sm u n 6-7n ny. Nu khng bit chc qu v chu trch nhimNhng ha n nh k 8-9tr mn n no, qu v c th cn phi nh c vnTng s nhng chi ph sinh hot cn bn 9v ti chnh v/hay lut php. Tit kim c khon no? 10-11 Gim bt n nn 12-13 K hoch chi tiu chung cuc ca ti 14Xem danh sch nhng s in thoi lin lc hu ch mt trong ba sau tp sch ny. Theo di15 SuperTracker16-17 iu chnh k hoch chi tiu ca mnh18 Nhng ti khon no tt nht?19 Ti khon vng lai 20t tn tinHa gii c th t cho Ti khon tit kim21 t nhng sp l cch gii quy Nhng mo v gi v vic s dng th nha22yca qu v khii sn v n nn Nhng cch tr tin khc 23con ci, t hi c cha ln mHp ng tn dng 24-25 ly thn . Ha gii l c ny vi s gipNhng dch v ti chnh khc 26quyt nh vnhng sp tquNhng hiu bit sai lc v tin bc - S tht 27-28gii c th gip ca ng i th ba. Ha nhiu n y ri lm g na?29n ra ta tnv trnh phi a v Nhng cch lp k hoch chi tiu30 Nhng mo v gi 31 tin. Con ci v tin bc32 SuperList Nhng mua sm u n33 SuperList Nhng ha n nh k 34-35 SuperTracker36-37 SuperPlanner38-39 Chi tit lin lc hu ch 402 3 5. K HOCH CHI TIU CA TI LI TC trang ny, ghi ra tt c nhng thu nhp ca qu v mi hai tun v cng li. VitK hoch chi tiu l cch thc qu v mun s dng li tc ca mnh. Qu v s chi bng bt ch phng khi qu v cn sa li sau ny.tiu phn ln li tc mua sm v tr nhng ha n nh k. y l nhng chi phsinh hot cn bn ca qu v.Ti nn bao gm nhng li tc no?Sau khi chi cho nhng chi ph sinh hot cn bn, qu v cn li bao nhiu? Bt ckhon li tc no cn li s l s d dnh dm cho nhng trng hp khn cpBao gm tt c mi ngun li tc ca qu v. Li tc ca mi ngi mi khc. Ch baohoc nhng mn xa x.gm lng lm thm gi (overtime) nu qu v lm thm gi u n v c th trng cy vo khon thu nhp ny. Xin nh nhn hai nhng thu nhp hng tun c pTi bt u t u?s ca hai tun.Quyt nh xem trong k hoch chi tiu ca mnh bao gm nhng ai. Qu v s tnh c Ngun li tc $ mi hai tunngi khc hoc ch c mt mnh qu v m thi? Cu tr li ca qu v s l nn tngca tt c nhng chi tit qu v ghi vo k hoch trong tp sch ny. Lng/tr cp li tc (sau khi tr thu) __________Cp dng Con ci__________Ph cp Gia nh __________ GI : Ph cp Hc tp__________ Nu c con, qu v cn phi bao gm bt c khon chi ph no cho con ci Tin Cp dng/tr cp/ph cp khc__________ trong k hoch chi tiu ca mnh, cho d cc em khng sng hn vi qu v. Linh tinh__________Tng li tc __________ hiu bit sai lc s tht v thuTt c mi ngi s c d mt t tinMt s ngi s ht sch tin sau khi chilukh dnh dm hoc mua nhng mn xacho nhng chi ph sinh hot cn bn. a xin Nhiu tr cpx sau khi lp k hoch chi tiu.Thm ch, mt s ngi cn khng c ca ch nhph phi chu ! tin chi cho nhng chi ph ny.thu. Tr thu i v i nhng litc thuc dng ny. 45 6. NHNG CHI PH SINH HOT CN BNMUA SM U NHy xem mi hai tun qu v phi tn bao nhiu tin ch cho nhng nhu cu cn bn? (Xem SuperList Mua sm u n trang 33)Mt s cc chi tiu khng th trnh c, v d nhng th cn thit nh thc n, ch v o qun cho con ci v qu v. VIT BNG BT CHBng cch tch ri khon Mua sm u n khi Nhng ha n nh k, qu v snhn thy d tnh ra nhng chi tiu ca mnh.Danh mc $ mi hai tun Thc phm v thc ung_________________MUA SM U N Nh ca v vn tc_________________ Y t v c nhn _________________ Lm sao ti nh ht tt c nhng th mnh mua sm?Qun o _________________ i li_________________Khng cn thit. phn sau tp sch, trongphn Nhng cch lp k hoch chi tiu c ccGi li cc bin lai trong mGii tr v tiu khin_________________ch dn gip qu v. tthng tnh ra ph tn muNhng khon chi tiu bng tin mt khcTm SuperList Mua sm u n trang 33.a _________________sm u n.SuperList ny l cch t nhc nh v nhng Tng s mua sm u n _________________mn mua sm cn bn. Kim tng nhm v c tnh xem qu v rt c th phi chimi hai tun l bao nhiu. Sau in vo nhng ch trng trong trang k.Nu qu v mua sm hng tun ch cn nhn 2 khon chi tiu.XIN NH...y l nhng mn cn bn qu vc th lp k hoch chi tiu cho nhngmn xa x sau ny. GI : Nn i mua sm vo nhng gi gic qu v bit siu th a phng s gim gi thc phm ti, bnh m v tht. Siu th thng gim gi vo chiu ti, gn ht ngy GI : cui tun hoc thi k ngh l va chm dt.Nu n c th gip qu v tn tin. Mua 900g lasagne ng lnh siu th tn chng 8 la. Vi gi ny qu v c th nu mn i ch mua thc phm khi no bng. lasagne nh t nht cng c nhiu gp i. Qu v c th b Nu c, qu v nn i ch khi khng c cc conLasagne vo ngn v em hm li d dng n tra. Qu v i theo.c th tm nhng cng thc nu lasa