1. Tiet kiem Tien co Trach nhiem

Tra cho ban than truoc

Cach don gian nhat de tiet kiem tien thay vi tieu tien chinh la dam bao khong cho ban than co co hoi tieu tien ngay tu dau. Trich mot phan tien luong gui truc tiep vao tai khoan tiet kiem hoac tai khoan huu tri, nhu vay ban khong can ban tam ve viec phai tiet kiem bao nhieu tien moi thang; ve co ban thi day la tiet kiem tu dong va ban co the dung khoan tien de danh moi thang khi nao can. Theo thoi gian, so tien tiet kiem nho moi thang se tang len (dac biet la khi dung tai khoan co lai suat) vi vay hay bat dau cang som cang tot de toi da hoa loi nhuan.

De thiet lap gui tien tu dong, ban co the trao doi voi nhan vien tra luong tai co quan (con neu ban la nhan vien hop dong, hay lam viec voi dich vu tra luong trung gian). Neu co the cung cap thong tin tai khoan tiet kiem rieng biet voi tai khoan nhan luong thong thuong, ban hoan toan co the tao mot chuong trinh gui tien tu dong ma khong gap truc trac nao.

Neu vi mot vai ly do ban khong the thiet lap gui tien tu dong cho moi lan tra luong (khi lam viec tu do hoac nhan luong bang tien mat), hay tu quyet dinh khoan tien de gui vao ngan hang moi thang va phai luon thuc hien muc tieu.

Tranh tich luy no moi

Co mot so khoan no ban khong the tranh khoi. Vi du, nguoi giau co du tien de mua nha thanh toan mot lan, nhung co hang trieu nguoi chi co the mua nha tra gop. Vay nen, ban can tranh vay muon tien neu co the. Tra mot lan luon tiet kiem hon la tra gop boi vi lai suat tich luy theo thoi gian.

Neu khong the tranh khoi viec vay no, hay co gang tra truoc cang nhieu cang tot. Khoan tien thanh toan truoc cang lon thi qua trinh tra gop cang nhanh va so tien lai cang nho.

Mac du tinh hinh tai chinh cua moi nguoi khong giong nhau, nhung cac ngan hang deu khuyen cao nen thanh toan no voi gia tri tuong duong 10% tong thu nhap truoc thue, hoac giu o muc duoi 20% la tot nhat. Muc 36% la “gioi han tren” cua khoan no.[1]

Dat muc tieu tiet kiem hop ly

Neu ban co muc tieu de tiet kiem thi viec thuc hien se de dang hon nhieu. Dat muc tieu hop ly de tu kich le ban than, viec dua ra quyet dinh kha kho khan nhung la dieu can thiet de tiet kiem mot cach co trach nhiem. Voi nhung muc tieu lon nhu mua nha hoac nghi huu thi ban phai mat nhieu nam hoac ca thap ky moi co the hoan thanh. Trong truong hop nay, ban can theo doi qua trinh thuong xuyen. Chi khi quan sat toan canh ban moi co the cam nhan duoc quang duong minh da trai qua va con bao lau moi dat duoc muc tieu.

Muc tieu lon nhu tien luong huu phai mat rat nhieu thoi gian moi hoan thanh. Trong khoang thoi gian can thiet, thi truong tai chinh se co nhieu bien dong. Ban co the danh thoi gian nghien cuu du doan thi truong tai chinh trong tuong lai truoc khi dat muc tieu. Vi du, neu khoang thoi gian nay ban co thu nhap tot thi theo cac nha binh luan tai chinh, ban can tiet kiem it nhat 60-85% thu nhap hang nam de duy tri cuoc song nhu hien tai o thoi diem nghi huu.[2]

Thiet ke thoi gian bieu cho muc tieu

Dat ra gioi han thoi gian tham vong (nhung hop ly) de dat duoc muc tieu co the la dong luc tuyet voi. Vi du, ban dat muc tieu mua duoc nha trong vong 2 nam. Trong truong hop do, ban can tham khao gia trung binh cua ngoi nha mo uoc va bat dau tiet kiem tien de mua nha (theo luat, ban phai thanh toan toi thieu 20% gia tri ngoi nha).[3]

Vay nen trong vi du cua chung toi, neu ngoi nha co gia 600 trieu VND thi ban can tra toi thieu 600.000.000 x 20% = 120 trieu VND. Tuy thuoc vao muc thu nhap cua ban de xem xet muc gia nay co kha thi hay khong.

Dat thoi gian bieu la dieu cuc ky quan trong cho muc tieu ngan han. Vi du, ban muon doi o to nhung khong du tien, ban can tiet kiem tien doi xe cang som cang tot de chac chan rang ban co phuong tien di lam. Mot thoi gian bieu tham vong nhung hop ly co the giup ban dat duoc muc tieu.

That chat ngan sach

Dat muc tieu tiet kiem thi don gian, nhung neu ban khong biet cach theo doi chi tieu thi rat kho de dat duoc muc tieu. De theo doi qua trinh chi tieu, hay thu lap bang chi tieu vao dau thang. Phan bo cu the tung khoan chi tieu co the giup ban tiet kiem tien bac, dac biet la neu muon tiet kiem mot khoan tien luong cang som cang tot.

Vi du, thu nhap cua ban la 8 trieu dong moi thang co the lap bang chi tieu nhu sau:

Nha o/tien ich: 3 trieu dong

Khoan vay sinh vien: 500 ngan dong

Thuc pham: 1 trieu dong

Internet: 300 ngan dong

Gas: 200 ngan dong

Tiet kiem: 1 trieu 500 ngan dong

Sai so: 500 ngan dong

Mua sam: 1 trieu dong

Ghi lai chi tieu

That chat ngan sach la dieu bat buoc neu muon tiet kiem tien, neu khong theo doi chi tieu ban se kho dat duoc muc tieu. Theo doi khoan tien chi tieu vao nhieu hang muc khac nhau o moi thang co the giup ban xac dinh duoc “van de” va dieu chinh thoi quen chi tieu sao cho phu hop voi ngan sach. Tuy nhien, theo doi chi tieu doi hoi tap trung vao chi tiet. Ai cung co the theo doi nhung khoan chi tieu lon nhu mua nha, tra no; nhung ban can tap trung vao ca nhung khoan chi tieu nho tuy thuoc vao muc do tai chinh

Ban co the ghi chep vao mot quyen so tay. Tao thoi quen ghi chep lai tung chi tieu va giu hoa don (dac biet la khoan lon). Neu co the, ban hay chep lai vao so lon hoac nhap du lieu vao chuong trinh bang tinh de luu tru lau dai.

Hien nay ban co the tai nhieu ung dung ve dien thoai de theo doi chi tieu (mot so ung dung hoan toan mien phi).

Neu van de chi tieu tro nen nghiem trong, dung ngai ngan giu lai toan bo hoa don. Cuoi thang, ban phan chia hoa don thanh tung loai roi tong ket lai. Ban co the bi choang boi khoan tien tieu pha mua sam vuot qua muc can thiet.

Bat dau tiet kiem som nhat co the

Tien tich tru trong tai khoan tiet kiem sinh ra lai theo ty le phan tram. Thoi gian tiet kiem cang lau thi cang duoc nhieu lai. Vay nen gui tiet kiem som thi ban co nhieu loi the hon. Mac du ban chi gui mot khoan nho moi thang khi ban o tuoi doi muoi, nhung dung ngai ngan gi. So tien nho gui tiet kiem dai han co the tich luy len nhieu lan gia tri ban dau.

Vi du, khi 20 tuoi ban lam mot cong viec co thu nhap thap, ban tiet kiem 10 trieu dong va gui vao tai khoan tiet kiem lai suat cao, 4%/1 nam. Sau 5 nam, so tien sinh lai khoang 2 trieu VND. Tuy nhien neu ban gui so tien nay som hon 1 nam thi so tien lai tang them 500 ngan dong.

Can nhac gui tien vao tai khoan huu tri

Trong giai doan con tre, khoe va tran day nang luong, ban co the chua nghi den huu tri vi con qua xa voi. Nhung khi gia di va mat suc, do la toan bo nhung gi ban co the nghi den. Tru khi ban la mot trong so it nhung nguoi may man duoc thua ke tai san kech xu, thi viec tiet kiem huu tri la dieu som muon gi cung can nghi toi khi ban co su nghiep on dinh. Nhu luu y o tren, tinh hinh cua moi nguoi khong giong nhau, vay nen viec tiet kiem 60-85% thu nhap hang nam de duy tri cuoc song ve gia la mot quyet dinh khon ngoan.

Neu chua bat dau thuc hien, hay trao doi voi nha tuyen dung xem ban co the mo truong muc tiet kiem 401k hay khong. Tai khoan huu tri nay se tu dong trich mot khoan tien luong cua ban, giup viec tiet kiem tro nen de dang. Hon nua, so tien tiet kiem trong tai khoan 401k khong bi danh thue thu nhap giong tien luong cua ban. Nhieu nha tuyen dung dua ra nhieu chuong trinh tuong thich voi dich vu 401k, ho se khop ty le phan tram nhat dinh voi moi lan thanh toan luong.

Nam 2014, so tien toi da duoc phep gui vao tai khoan 401k moi nam la 350 trieu dong.[4]

Dau tu chung khoan mot cach than trong

Neu ban dang tiet kiem tien va con du mot so tien nho, dau tu chung khoan co the la mot co hoi hap dan (nhung rui ro) de kiem them nhieu tien. Truoc khi dau tu chung khoan, ban can hieu rang ban co the mat khoan tien dau tu, dac biet la khi khong lam chu duoc hanh dong, khong nen su dung cach nay de tiet kiem lau dai. Thay vao do, hay coi thi truong chung khoan la mot co hoi de kiem them tien. Nhin chung, nhieu nguoi khong can dau tu chung khoan van co the tiet kiem tien huu tri.[5]

De tham khao thong tin dau tu chung khoan thong minh, ban co the xem them cac bai viet tren mang.

Dung nan long

Khi gap van de tiet kiem tien, ban co the nan chi. Tinh trang cua ban co the that vo vong, viec tiet kiem tien dat muc tieu dai han duong nhu la bat kha thi. Tuy nhien, du khoi dau cua ban nho be, ban luon co the tien hanh tiet kiem tien. Bat dau som thi ban se buoc di tren con duong bao dam tai chinh cang som.

Neu ban nan chi ve tinh hinh tai chinh cua ban than, hay trao doi voi dich vu tu van tai chinh. Cac co quan nay thuong tu van mien phi hoac lay muc phi rat re, ho se giup ban tiet kiem tien de dat duoc muc tieu. Quy Quoc gia ve Tu van Tin dung (NFCC) la to chuc phi loi nhuan, mot dia diem tot de khoi dau.[6]

2. Cat giam Chi tieu

Cat giam chi tieu xa xi khoi ngan sach

Neu ban gap rac roi trong viec tiet kiem, hay bat dau tu day. Ta thuong tieu nhung khoan khong can thiet, vay nen han che khoan chi tieu xa xi la buoc dau tien de cai thien tinh hinh tai chinh boi vi dieu nay khong lam anh huong toi chat luong cuoc song hay kha nang lam viec cua ban mot cach ro ret. Mac du hoi kho cuc neu song ma khong co xe tay ga hay truyen hinh cap, nhung roi ban cung se quen thoi. Sau day la mot vai cach don gian de giam thieu chi tieu xa xi:

Huy dang ky tuy chon TV va goi cuoc internet.

Chuyen sang goi cuoc tiet kiem cho dien thoai.

Doi xe dat tien sang xe tiet kiem nhien lieu voi gia thanh re hon.

Ban thiet bi dien khong su dung.

Mua quan ao va noi that gia dinh o cua hang tiet kiem.

Tim nha re hon

Voi nhieu nguoi, chi phi nha o la khoan chi tieu lon nhat trong ngan sach. Vi vay tiet kiem tien thue nha co the tao ra mot khoan du lon de dung cho cac hoat dong quan trong, vi du nhu tiet kiem huu tri. Mac du kho co the thay doi dieu kien song, nhung neu ban muon can bang ngan sach, ban nen nghiem tuc xem lai chi phi nha o.

Neu dang thue nha, ban co the thuong luong voi chu nha de giam gia thue. Chu nha thuong tranh viec tim nguoi thue moi nen ban co the ban bac lai voi ho. Neu can thi ban co the lam viec de tru vao tien thue nha (nhu lam vuon).

Neu dang tra tien the chap, hay noi chuyen voi chu vay ve viec tai cap von. Ban co the thuong luong de dat duoc thoa thuan tot hon. Khi tai cap van, hay co gang thanh toan trong khoan thoi gian ngan nhat co the.

Ban co the chuyen qua thi truong nha o re hon. Theo nghien cuu gan day, thi truong nha o re nhat tai My la o Detroit, Michigan; Lake County, Michigan; Cleveland, Ohio; Palm Bay, Florida; va Toledo, Ohio.[7]

An uong gia re

Nhieu nguoi tieu nhieu tien vao thuc pham hon muc can thiet. Mac du ban se lang quen viec chi tieu tiet kiem khi an do ngon o nha hang yeu thich, nhung chi tieu lien quan den an uong co the phat sinh mot khoan lon khien ban khong the kiem soat. Nhin chung, mua do so luong lon se re hon mua nho le tung ngay, hay lam the thanh vien o sieu thi/he thong ban le de duoc huong uu dai. An ngoai tai nha hang la lua chon ton kem nhat, vi vay hay mua do ve nau thay vi ra ngoai an de tiet kiem tien.

Chon thuc pham re, dinh duong. Thay vi mua thuc pham duoc che bien san, hay mua thuc pham tuoi tai cua hang tap hoa. Ban se bat ngo khi thay thuc pham co loi cho suc khoe lai re den vay! Vi du, gao lut la thuc pham giau dinh duong nhung co gia thanh re.

Tan dung khuyen mai, giam gia. Nhieu cua hang tap hoa (dac biet la chuoi cua hang lon) tuong tang phieu mua hang va giam gia tai quay thanh toan. Dung lang phi chung!

Neu ban thuong xuyen an ngoai, hay dung ngay! Nau an o nha re hon nhieu di an o ngoai. Tu nau an thuong xuyen con ren luyen nhieu ky nang su dung khi thiet dai ban be, gia dinh, hay hen ho voi nguoi yeu.

Dung ngai tan dung nguon thuc pham mien phi tai cua hang neu tinh the cap bach. Ngan hang thuc pham, bep tu thien, nha tru an co the cung cap thuc an mien phi neu can. Neu ban can giup do, lien he voi So Dich vu Xa hoi de biet them thong tin.

Giam nang luong su dung

Nhieu nguoi chap nhan muc gia tien ich hang thang ma khong he phan nan. Tren thuc te, ban hoan toan co the giam muc nang luong su dung chi voi vai buoc don gian. Nhung meo nay rat de dang va khong co ly do gi de khong thuc hien theo neu ban dang muon tiet kiem tien. Tren het, giam nang luong su dung cung la giam o nhiem, giam thieu tac dong den moi truong toan cau.

Tat dien khi khong su dung. Khong co ly do gi de den sang neu khong o trong phong (hay trong nha), nen hay tat den khi ra ngoai. Dan giay nhac nho truoc cua neu ban hay quen.

Tranh su dung may suoi, dieu hoa khi khong can thiet. Muon giam nhiet do, hay mo cua so hoac dung quat. Muon am hon thi mac quan ao nhieu lop, dap chan hoac dung may suoi trong phong.

Dau tu vat lieu cach nhiet tot. Neu co the tra tien nang cap nha o, viec thay the vat lieu cach nhiet cu ky va ro ri sang mau moi hieu qua hon se giup ban tiet kiem tien lau dai nho tac dung ngan nhiet thoat ra ngoai.

Dau tu tam pin nang luong mat troi neu co the. Day la su dau tu nghiem tuc cho tuong lai cua ban (cung nhu cua hanh tinh), pin mat troi la lua chon khon ngoan. Mac du gia thanh cao nhung cong nghe nang luong mat troi se giup ban tiet kiem chi phi dang ke.

Dung cach thuc di chuyen re hon

Viec so huu, bao tri va su dung o to se tieu ton mot khoan lon thu nhap cua ban. Tuy thuoc vao muc do su dung xe, xang dau cung ton it nhat vai trieu dong moi thang, hon nua ban con mat chi phi lam giay phep lai xe va phi bao tri. Thay vi lai xe, hay chon mot phuong tien tiet kiem hon. Viec nay khong chi tiet kiem tien ma con giup ban danh nhieu thoi gian hon de tap the duc, giam cang thang sau ngay lam viec.

Xem xet phuong tien cong cong gan nha. Tuy thuoc vao noi ban song, ban co the lua chon nhieu phuong tien cong cong re hon. Cac thanh pho lon thuong co tau dien ngam, tau cao toc, xe dien di chuyen trong va ngoai thanh pho, trong khi thi tran nho co xe buyt va tau lua.

Can nhac viec di bo hoac dap xe den cho lam. Neu ban song khong qua xa co quan thi hai cach nay la lua chon khong toi de vua tap the duc vua hit tho khong khi trong lanh.

Neu bat buoc phai di o to, hay thu di chung xe. Nhu vay ban co the chia tien nhien lieu va phi bao tri voi nguoi di chung xe. Hon nua lai con co nguoi tro chuyen cung.

Vui choi giai tri voi gia re (hoac mien phi)

Giam muc chi tieu ca nhan co the la cat giam nhung do dung xa xi, ban khong bat buoc phai tu bo niem vui de tiet kiem tien. Viec thay doi thoi quen va hoat dong vui choi giai tri se giup ban can bang giua niem vui va trach nhiem. Ban se bat ngo khi co the vui choi voi vai chuc ngan dong neu biet tinh toan!

Nam bat nhung su kien cong dong. Ngay nay, cac thanh pho va thi tran deu dang tren lich truc tuyen nhung su kien sap dien ra o dia phuong. Su kien duoc to chuc boi chinh quyen dia phuong hay to chuc cong dong se co gia re, hay tham chi la mien phi. Vi du, o mot thi tran khong lon lam, ban co the tham quan trien lam mien phi, xem phim o cong vien dia phuong hay tham gia cac su kien duoc tai tro.

Doc. So sanh voi phim anh, tro choi dien tu, cac loai hinh giai tri thi sach la re nhat (dac biet la sach cu). Mot cuon sach hay se hap dan ban, giup ban trai nghiem cuoc song thong qua goc nhin cua nhung nhan vat thu vi hoac hoc nhung dieu moi ma co the ban khong bao gio gap phai.

Tan huong hoat dong gia re voi ban be. Ban co the lam rat nhieu viec cung ban be ma chi ton it tien, hay tham chi la mien phi. Vi du, leo nui, choi game, xem mot bo phim cu, kham pha thanh pho, hay choi the thao.

Tranh nghien nhung thu dat tien

Mot so thoi quen xau co the anh huong nghiem trong toi no luc tiet kiem tien cua ban. Trong nhung tinh huong xau nhat, nhung thoi quen nay se tro thanh con nghien nghiem trong ma ban khong the tu danh bai chung. Te hon, nhieu chung nghien co the gay nguy hiem den suc khoe trong thoi gian dai. Hay bao ve vi tien (va co the) khoi nhung rac roi nay bang cach tranh xa chung ngay tu dau.

Khong hut thuoc. Moi nguoi deu biet tac hai cua thuoc la. Ung thu phoi, benh tim, dot quy, va nhieu benh nguy hiem khac deu do hut thuoc gay ra.[8] Hon nua, thuoc la cung la thu dat tien, gia ban o moi noi lai khac nhau.[9]

Khong uong nhieu ruou. Uong 1 den 2 ly voi ban be khong hai gi, nhung thuong xuyen uong ruou manh co the gay ra van de nghiem trong trong thoi gian dai, nhu benh ve gan, suy yeu chuc nang than kinh, tang can, me sang va tham chi la tu vong.[10] Hon nua, chung nghien ruou con la ganh nang ve tai chinh.

Khong nghien ma tuy. Ma tuy cac loai nhu heroin, cocain va methamphetamine la nhung chat gay nghien va ton hai suc khoe mot cach nghiem trong. Gia cua chung cao hon thuoc la va ruou rat nhieu. Vi du, nhac si nhac dong que Waylon Jennings danh 1.500 USD (tuong duong 30 trieu dong) mot ngay de mua cocain.[11]

Neu ban can giup do de vuot qua con nghien, dung ngan ngai lien lac voi duong day nong. Mot so duong day lien quan: here.

3. Tieu Tien Sang suot

Tieu tien voi nhung thu can thiet dau tien

Hay tieu tien vao viec bat buoc phai lam. Nhung thu nhu (thuc pham, nuoc, nha cua, quan ao) la uu tien su dung tien hang dau. Dieu nay qua ro rang, neu ban khong co nha o hay chet doi thi ban khong the dat duoc muc tieu tai chinh da dat ra. Vay nen ban can chac chan co du tien de trang trai nhung yeu cau toi thieu truoc khi tieu tien vao viec khac.

Tuy nhien, chi vi nhung thu nhu thuc pham, nuoc, va noi o la quan trong, khong co nghia la ban tieu phung phi. Vi du, cat giam chi phi ra ngoai an la cach don gian nhat de giam thieu chi tieu thuc pham. Ngoai ra, chuyen den o khu vuc co gia thue hoac mua nha re hon la cach hay de tiet kiem chi phi nha cua.

Tuy thuoc vao noi ban song, chi phi nha cua co the tieu ton mot khoan lon thu nhap cua ban. Cac chuyen gia khuyen cao rang ban khong nen thue nha co gia cao hon 1/3 tong thu nhap cua ban.[12]

Tiep theo la tiet kiem cho quy khan cap

Neu ban chua co quy khan cap voi so tien du de trang trai cuoc song neu mat di nguon thu nhap, hay bat dau tich luy ngay lap tuc. Tiet kiem mot khoan vua phai trong tai khoan bao mat giup ban duy tri cuoc song ngay ca khi mat viec. Sau khi thanh toan nhung khoan can thiet, ban co the trich mot khoan tien vao quy khan cap cho toi khi tiet kiem du chi phi sinh hoat trong vong 3-6 thang

Luu y rang chi phi sinh hoat hoan toan phu thuoc vao tinh hinh tai chinh cua dia phuong. Ban co the song vai thang chi voi 1,500USD o Detroit hay Phoenix, nhung cung voi so tien do, ban khong the tra noi tien thue can ho 1 thang o New York. Neu ban song o khu dat do, quy khan cap cua ban phai nhieu tien hon.

Ben canh viec giup ban song on ngay ca khi su nghiep kho khan, quy khan cap con sinh loi trong thoi gian dai. Neu mat viec va khong co quy khan cap, ban co the phai nhan lam bat ky cong viec gi cho du tien luong khong cao. Mat khac, neu co the song ma khong can lam viec trong 1 thoi gian, ban se co nhieu lua chon hon va co kha nang nhan duoc mot cong viec luong cao hon.

Tiep theo la tra het no

Nhung khoan no ton dong co the lam anh huong toi no luc tiet kiem tien. Neu tra dan tung khoan nho thi cuoi cung ban lai phai tra nhieu hon la co gang thanh toan nhanh chong. Tiet kiem tien dai han bang cach danh mot khoan tien luong de tra no nhanh nhat co the. Thong thuong, tra khoan vay co muc lai cao nhat truoc tien la cach su dung tien hieu qua nhat.

Mot khi da trang trai duoc nhung viec quan trong va tich luy quy khan cap hop ly, ban hoan toan co the trich gan het tien luong de tra no. Mat khac, neu khong co quy khan cap, ban phai chia khoan thu nhap thanh hai phan, mot de tra no hang thang va phan kia de dua vao quy khan cap.

Neu ban vay nhieu noi va khien ban choang ngop, hay hoc cach hop nhat cac khoan no. Ban co the gop cac khoan no thanh mot khoan vay lai suat thap hon. Mot luu y quan trong la thoi han thanh toan khoan no da hop nhat nay co the dai hon khoan no ban dau.

Co the ban muon thu thuong luong voi nguoi cho vay de co muc lai suat thap hon. Neu ban pha san thi nguoi cho vay cung khong duoc loi gi, vay nen ho co the ha lai suat cho ban thanh toan no.

Tham khao them thong tin de thanh toan het no nan.

De danh tien

Neu da thanh lap quy khan cap va tra toan bo (hoac gan het) no, ban co the tien hanh gui tien vao tai khoan tiet kiem. Tien tiet kiem theo cach nay khac voi quy khan cap, ban muon dung den quy khan cap tru khi bat buoc phai lam the, khoan tiet kiem thong thuong dung de chi tieu viec lon, quan trong nhu sua chua o to. Tuy nhien, ban se muon tranh su dung khoan tiet kiem de chung tang len theo thoi gian. Neu co the, co gang tiet kiem it nhat 10-15% thu nhap hang thang khi o tuoi doi muoi, cac chuyen gia dong y rang day la mot muc tieu tuyet voi.[13]

Khi duoc tra luong, ban se co hung mua sam ngay lap tuc. De tranh tinh trang nay, hay gui tien vao tai khoan tiet kiem ngay khi duoc tra luong. Vi du, neu ban tiet kiem 10% thu nhap va duoc tra 8 trieu dong, ngay lap tuc ban hay gui 10% tuc 800 ngan dong vao tai khoan tiet kiem. Thoi quen nay giup ban tranh chi tieu khong can thiet va tich luy duoc mot khoan kha kha trong nhieu nam.

Mot y tuong hay hon la tu dong hoa qua trinh tiet kiem nhieu nhat co the de ban tham chi khong duoc cam tien de tieu. Vi du, ban co the trao doi voi nha tuyen dung de thiet lap he thong tiet kiem tu dong thong qua ngan hang hoac ung dung trung gian. Theo cach nay, ban co the chuyen mot khoan tien hoac bao nhieu phan tram tien luong vao tai khoan ma khong can ton cong suc gi.

Chi tieu thong minh vao nhung thu khong thiet yeu

Neu sau khi tiet kiem them mot khoan hang thang ma van con du tien, ban co the can nhac cac khoan dau tu khong thiet yeu giup ban cai thien nang suat, tiem nang tao thu nhap va chat luong cuoc song trong dai han. Mac du kieu chi tieu nay khong thiet yeu nhu thuc pham, nuoc hay nha cua, nhung chung van la lua chon dai han sang suot co the giup ban tiet kiem ve sau.

Vi du, mua ghe de ngoi lam viec khong that su can thiet, nhung day la lua chon dai han sang suot boi vi no giup ban lam viec nang suat hon ma lai han che dau lung (benh nay ton nhieu tien chua tri hon). Mot vi du khac la thay the binh nong lanh cu, hay hong. Mac du may cu van co the dung them mot thoi gian, nhung mua cai moi thi ban khong phai ton tien sua chua nua, nhu vay la tiet kiem lau dai.

Mot vi du khac bao gom chi tieu giup ban di lai voi chi phi thap hon, chang han nhu mua the phuong tien cong cong theo thang hoac nam, cong cu giup lam viec hieu qua hon nhu tai nghe neu cong viec cua ban doi hoi phai dung tay, mua vat dung giup lam viec de dang hon nhu lot giay tang chieu cao.

Chi tieu vao nhung thu xa xi cuoi cung

Tiet kiem tien khong co nghia la song kho cuc. Khi da tra xong no va thanh lap quy khan cap, chi tieu vao nhung khoan thong minh co the dem lai loi ich lau dai, ban hoan toan co the tieu tien cho ban than. Chi tieu xa xi mot cach co trach nhiem la cach de khich le ban than sau khi lam viec vat va, dung ngai ngan an mung bang mot mon do xa xi vi da cai thien tinh hinh tai chinh.

Chi tieu xa xi bao gom toan bo vat dung, dich vu khong can thiet va khong dem lai loi ich lau dai. Chung co the la di an o nha hang sang trong, di nghi duong, mua xe moi, truyen hinh cap, tien ich dat tien, v, v.

Theo W.I.K.I.H.O.W