{"id":9572,"date":"2023-10-09T08:24:43","date_gmt":"2023-10-09T01:24:43","guid":{"rendered":"https:\/\/jovarq.com\/?p=9572"},"modified":"2023-10-09T08:24:43","modified_gmt":"2023-10-09T01:24:43","slug":"sinh-vien-lam-chu-cuoc-doi-khi-nam-chac-ky-nang-quan-ly-tai-chinh-ca-nhan","status":"publish","type":"post","link":"https:\/\/jovarq.com\/sinh-vien-lam-chu-cuoc-doi-khi-nam-chac-ky-nang-quan-ly-tai-chinh-ca-nhan\/","title":{"rendered":"SINH VI\u00caN \u201cL\u00c0M CH\u1ee6 CU\u1ed8C \u0110\u1edcI\u201d KHI N\u1eaeM CH\u1eaeC K\u1ef8 N\u0102NG QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N"},"content":{"rendered":"

\u0110\u1ed1i v\u1edbi m\u1ed7i sinh vi\u00ean, cu\u1ed9c s\u1ed1ng cao \u0111\u1eb3ng, \u0111\u1ea1i h\u1ecdc kh\u00f4ng ch\u1ec9 l\u00e0 th\u1eddi gian h\u1ecdc t\u1eadp v\u00e0 ti\u1ebfp thu ki\u1ebfn th\u1ee9c m\u00e0 c\u00f2n l\u00e0 giai \u0111o\u1ea1n \u0111\u1ec3 kh\u00e1m ph\u00e1 v\u00e0 tr\u01b0\u1edfng th\u00e0nh. V\u00e0 m\u1ed9t trong nh\u1eefng k\u1ef9 n\u0103ng quan tr\u1ecdng \u0111\u1ec3 sinh vi\u00ean t\u1ef1 l\u1eadp, t\u1ef1 tin kh\u1eb3ng b\u1ea3n th\u00e2n, th\u00e0nh c\u00f4ng v\u00e0 \u201cl\u00e0m ch\u1ee7 cu\u1ed9c \u0111\u1eddi\u201d l\u00e0 n\u1eafm v\u1eefng k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n

\"\"<\/p>\n

Vai tr\u00f2 c\u1ee7a k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/h3>\n

K\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 vi\u1ec7c s\u1eafp x\u1ebfp v\u00e0 qu\u1ea3n l\u00fd s\u1ed1 ti\u1ec1n trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. N\u00f3 c\u00f2n l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 m\u1ea1nh m\u1ebd gi\u00fap sinh vi\u00ean x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc v\u00e0 \u0111\u1ea3m b\u1ea3o s\u1ef1 t\u1ef1 do t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai. V\u1edbi k\u1ef9 n\u0103ng n\u00e0y, sinh vi\u00ean c\u00f3 kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng ti\u1ec1n b\u1ea1c m\u1ed9t c\u00e1ch th\u00f4ng minh, hi\u1ec7u qu\u1ea3 v\u00e0 c\u00f3 m\u1ee5c ti\u00eau.<\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n gi\u00fap sinh vi\u00ean<\/strong><\/h3>\n
    \n
  • L\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh: \u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, x\u00e1c \u0111\u1ecbnh \u01b0u ti\u00ean chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng \u01b0\u1edbc m\u01a1 v\u00e0 k\u1ebf ho\u1ea1ch trong cu\u1ed9c s\u1ed1ng.<\/li>\n
  • Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0: H\u00ecnh th\u00e0nh th\u00f3i quen ti\u1ebft ki\u1ec7m t\u1eeb s\u1edbm v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 \u0111\u1ec3 t\u0103ng thu nh\u1eadp v\u00e0 x\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n.<\/li>\n
  • Tr\u00e1nh n\u1ee3 n\u1ea7n: Hi\u1ec3u r\u00f5 v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a vay n\u1ee3 v\u00e0 tr\u00e1nh r\u01a1i v\u00e0o b\u1eaby n\u1ee3 t\u00edn d\u1ee5ng \u0111en.<\/li>\n
  • X\u00e2y d\u1ef1ng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh: \u0110\u1ecbnh r\u00f5 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, t\u1eeb vi\u1ec7c ti\u1ebft ki\u1ec7m cho chi ph\u00ed h\u1eb1ng ng\u00e0y \u0111\u1ebfn vi\u1ec7c t\u00edch l\u0169y \u0111\u1ec3 mua nh\u00e0, m\u1edf c\u00f4ng ty hay du l\u1ecbch xa.<\/li>\n<\/ul>\n

    \u00c1p d\u1ee5ng nguy\u00ean t\u1eafc 6 chi\u1ebfc l\u1ecd<\/strong><\/h3>\n

    Nguy\u00ean t\u1eafc 6 chi\u1ebfc l\u1ecd l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n gi\u00fap sinh vi\u00ean t\u1ed5 ch\u1ee9c v\u00e0 ph\u00e2n b\u1ed5 ti\u1ec1n b\u1ea1c m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd. Theo nguy\u00ean t\u1eafc n\u00e0y, sinh vi\u00ean chia ti\u1ec1n v\u00e0o 6 kho\u1ea3n chi ti\u00eau ch\u00ednh:<\/p>\n

      \n
    • Chi ti\u00eau h\u00e0ng ng\u00e0y: Ph\u1ee5c v\u1ee5 cho c\u00e1c chi ti\u00eau c\u1ea7n thi\u1ebft nh\u01b0 ti\u1ec1n thu\u00ea nh\u00e0, ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc, ti\u1ec1n \u0103n u\u1ed1ng…<\/li>\n
    • Ti\u1ebft ki\u1ec7m: \u0110\u1ec3 d\u00e0nh cho c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n ho\u1eb7c kh\u1ea9n c\u1ea5p.<\/li>\n
    • T\u1ef1 do t\u00e0i ch\u00ednh: \u0110\u1ea7u t\u01b0 \u0111\u1ec3 t\u0103ng thu nh\u1eadp v\u00e0 t\u00edch l\u0169y t\u00e0i s\u1ea3n.<\/li>\n
    • Gi\u00e1o d\u1ee5c: d\u00f9ng m\u1ed9t ph\u1ea7n thu nh\u1eadp \u0111\u1ec3 h\u1ecdc th\u00eam nh\u1eefng ki\u1ebfn th\u1ee9c m\u1edbi t\u1eeb s\u00e1ch, kh\u00f3a h\u1ecdc ng\u1eafn h\u1ea1n….<\/li>\n
    • H\u01b0\u1edfng th\u1ee5: D\u00e0nh cho vi\u1ec7c gi\u1ea3i tr\u00ed, \u0111i ch\u01a1i, mua s\u1eafm nh\u1eefng v\u1eadt ph\u1ea9m kh\u00f4ng thi\u1ebft y\u1ebfu. T\u1eeb thi\u1ec7n: D\u00e0nh m\u1ed9t ph\u1ea7n thu nh\u1eadp \u0111\u1ec3 gi\u00fap \u0111\u1ee1 nh\u1eefng ng\u01b0\u1eddi c\u00f3 ho\u00e0n c\u1ea3nh kh\u00f3 kh\u0103n h\u01a1n.<\/li>\n<\/ul>\n

      \"\"<\/p>\n

      \u0110\u00e2y l\u00e0 1 s\u1ed1 tip qu\u1ea3n l\u00fd chi ti\u00eau sinh vi\u00ean \u0111\u01a1n gi\u1ea3n, nhanh ch\u00f3ng, hi\u1ec7u qu\u1ea3<\/strong><\/h3>\n

      Ti\u1ebft ki\u1ec7m chi ph\u00ed thu\u00ea ph\u00f2ng tr\u1ecd<\/strong><\/p>\n

      B\u1ea1n c\u00f3 th\u1ec3 \u1edf k\u00ed t\u00fac x\u00e1 c\u1ee7a tr\u01b0\u1eddng \u1edf gh\u00e9p v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi. Khi t\u00ecm tr\u1ecd b\u1ea1n c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng, so s\u00e1nh m\u1ee9c gi\u00e1 gi\u1eefa c\u00e1c n\u01a1i so s\u00e1nh c\u00e1c kho\u1ea3n chi ti\u00eau ph\u00e1t sinh ti\u1ec1n \u0111i\u1ec7n , n\u01b0\u1edbc, m\u1ea1ng internet\u2026.)<\/p>\n

      D\u00f9ng ph\u01b0\u01a1ng ti\u1ec7n c\u00f4ng c\u1ed9ng \u0111\u1ec3 gi\u1ea3m chi ph\u00ed \u0111i l\u1ea1i<\/strong><\/p>\n

      \u0110i xe bus l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n c\u00f4ng c\u1ed9ng ph\u00f9 h\u1ee3p nh\u1ea5t cho sinh vi\u00ean. N\u1ebfu g\u1ea7n tr\u01b0\u1eddng th\u00ec c\u00f3 th\u1ec3 \u0111i b\u1ed9 ho\u1eb7c \u0111i xe \u0111\u1ea1p \u0111\u1ebfn tr\u01b0\u1eddng.<\/p>\n

      H\u1ea1n ch\u1ebf ti\u1ec1n h\u1ecdc l\u1ea1i v\u00e0 thi l\u1ea1i<\/strong><\/p>\n

      Vi\u1ec7c h\u1ecdc l\u1ea1i l\u00e0 t\u00ecnh tr\u1ea1ng kh\u00e1 ph\u1ed5 bi\u1ebfn c\u1ee7a c\u00e1c b\u1ea1n sinh vi\u00ean. Nguy\u00ean nh\u00e2n do ch\u01b0a ch\u00fa \u00fd h\u1ecdc c\u00f2n ham ch\u01a1i chi ph\u00ed thi l\u1ea1i th\u00ec kh\u00e1 cao so v\u1edbi b\u00ecnh th\u01b0\u1eddng. Ch\u00ednh g\u00ec v\u1eady h\u00e3y h\u1ecdc h\u00e0nh ch\u0103m ch\u1ec9 \u0111\u1ec3 kh\u00f4ng ph\u1ea3i t\u1ed1n kho\u1ea3n ti\u1ec1n thi l\u1ea1i.<\/p>\n

      T\u1ef1 n\u1ea5u \u0103n hay v\u00ec \u0111i \u0103n ngo\u00e0i<\/strong><\/p>\n

      Vi\u1ec7c t\u1ef1 n\u1ea5u \u0103n s\u1ebd t\u1ed1i \u01b0u \u0111\u01b0\u1ee3c chi ph\u00ed d\u00e0nh cho sinh vi\u00ean v\u00e0 \u0111\u1ea3m b\u1ea3o t\u1ed1t h\u01a1n cho s\u1ee9c kho\u1ebb.<\/p>\n

      S\u1eed d\u1ee5ng th\u1ebb sinh vi\u00ean <\/strong><\/p>\n

      V\u00ec c\u00e1c ph\u00ed d\u1ecbch v\u1ee5 d\u00e0nh cho sinh vi\u00ean \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i nhi\u1ec1u h\u01a1n so v\u1edbi ng\u01b0\u1eddi kh\u00e1c.<\/p>\n

      L\u1eadp danh s\u00e1ch nh\u1eefng chi ph\u00ed c\u1ed1 \u0111\u1ecbnh trong 1 th\u00e1ng<\/strong><\/p>\n

      Thi\u1ebft l\u1eadp nh\u1eefng m\u1ee5c c\u1ea7n chi ti\u00eau \u01b0\u1edbc l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c l\u01b0\u1ee3ng ti\u1ec1n c\u1ea7n chi ti\u00eau v\u00e0o m\u1ed7i kho\u1ea3n. X\u00e1c \u0111\u1ecbnh nh\u1eefng chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh. Vi\u1ec7c c\u00e2n b\u1eb1ng chi ti\u00eau \u0111\u1ed1i v\u1edbi t\u00e2n sinh vi\u00ean l\u00e0 \u0111i\u1ec1u t\u01b0\u01a1ng \u0111\u1ed1i kh\u00f3 khi h\u1ecd v\u1eeba m\u1edbi r\u1eddi kh\u1ecfi v\u00f2ng tay cha m\u1eb9 l\u00ean gi\u1ea3ng \u0111\u01b0\u1eddng h\u1ecdc v\u1edbi nhi\u1ec1u s\u1ef1 b\u1ee1 ng\u1ee1. Sau \u0111\u00e2y l\u00e0 nh\u1eefng tip m\u00ecnh chia s\u1ebb hy v\u1ecdng gi\u00fap \u00edch \u0111\u01b0\u1ee3c c\u00e1c b\u1ea1n . Ch\u00fac c\u00e1c b\u1ea1n qu\u1ea3n l\u00fd chi ti\u00eau h\u1ee3p l\u00fd \u0111\u1ec3 kh\u00f4ng ph\u1ea3i \u0103n m\u1ef3 t\u00f4m cu\u1ed1i th\u00e1ng nh\u00e9!<\/p>\n","protected":false},"excerpt":{"rendered":"

      \u0110\u1ed1i v\u1edbi m\u1ed7i sinh vi\u00ean, cu\u1ed9c s\u1ed1ng cao \u0111\u1eb3ng, \u0111\u1ea1i h\u1ecdc kh\u00f4ng ch\u1ec9 l\u00e0 th\u1eddi gian h\u1ecdc t\u1eadp v\u00e0 ti\u1ebfp thu ki\u1ebfn th\u1ee9c m\u00e0 c\u00f2n l\u00e0 giai \u0111o\u1ea1n \u0111\u1ec3 kh\u00e1m ph\u00e1 v\u00e0 tr\u01b0\u1edfng th\u00e0nh. V\u00e0 m\u1ed9t trong nh\u1eefng k\u1ef9 n\u0103ng…<\/p>\n","protected":false},"author":11,"featured_media":9576,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,3,804],"tags":[],"class_list":["post-9572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hssv-doan-tn","category-tin-tuc","category-tin-tuc-chung"],"yoast_head":"\nSINH VI\u00caN \u201cL\u00c0M CH\u1ee6 CU\u1ed8C \u0110\u1edcI\u201d KHI N\u1eaeM CH\u1eaeC K\u1ef8 N\u0102NG QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N - Tr\u01b0\u1eddng Cao \u0111\u1eb3ng Y D\u01b0\u1ee3c H\u00e0 N\u1ed9i<\/title>\n<meta name=\"description\" content=\"\u0110\u1ed1i v\u1edbi m\u1ed7i sinh vi\u00ean, cu\u1ed9c s\u1ed1ng cao \u0111\u1eb3ng, \u0111\u1ea1i h\u1ecdc kh\u00f4ng ch\u1ec9 l\u00e0 th\u1eddi gian h\u1ecdc t\u1eadp v\u00e0 ti\u1ebfp thu ki\u1ebfn th\u1ee9c m\u00e0 c\u00f2n l\u00e0 giai \u0111o\u1ea1n \u0111\u1ec3 kh\u00e1m ph\u00e1 v\u00e0 tr\u01b0\u1edfng th\u00e0nh.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jovarq.com\/sinh-vien-lam-chu-cuoc-doi-khi-nam-chac-ky-nang-quan-ly-tai-chinh-ca-nhan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SINH VI\u00caN \u201cL\u00c0M CH\u1ee6 CU\u1ed8C \u0110\u1edcI\u201d KHI N\u1eaeM CH\u1eaeC K\u1ef8 N\u0102NG QU\u1ea2N L\u00dd T\u00c0I CH\u00cdNH C\u00c1 NH\u00c2N - Tr\u01b0\u1eddng Cao \u0111\u1eb3ng Y D\u01b0\u1ee3c H\u00e0 N\u1ed9i\" \/>\n<meta property=\"og:description\" content=\"\u0110\u1ed1i v\u1edbi m\u1ed7i sinh vi\u00ean, cu\u1ed9c s\u1ed1ng cao \u0111\u1eb3ng, \u0111\u1ea1i h\u1ecdc kh\u00f4ng ch\u1ec9 l\u00e0 th\u1eddi gian h\u1ecdc t\u1eadp v\u00e0 ti\u1ebfp thu ki\u1ebfn th\u1ee9c m\u00e0 c\u00f2n l\u00e0 giai \u0111o\u1ea1n \u0111\u1ec3 kh\u00e1m ph\u00e1 v\u00e0 tr\u01b0\u1edfng th\u00e0nh.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jovarq.com\/sinh-vien-lam-chu-cuoc-doi-khi-nam-chac-ky-nang-quan-ly-tai-chinh-ca-nhan\/\" \/>\n<meta property=\"og:site_name\" content=\"Tr\u01b0\u1eddng Cao \u0111\u1eb3ng Y D\u01b0\u1ee3c H\u00e0 N\u1ed9i\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cdyduochanoi\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-09T01:24:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jovarq.com\/wp-content\/uploads\/2023\/10\/sinh-vien-can-bao-nhieu-tien-moi-thang-01.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"842\" \/>\n\t<meta property=\"og:image:height\" content=\"596\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Y D\u01b0\u1ee3c H\u00e0 N\u1ed9i\" \/>\n<meta name=\"twitter:card\" 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