{"id":1662,"date":"2023-09-25T14:53:01","date_gmt":"2023-09-25T07:53:01","guid":{"rendered":"https:\/\/ntg.dangnhapfun88.org\/?p=1662"},"modified":"2024-08-13T14:07:55","modified_gmt":"2024-08-13T07:07:55","slug":"bi-quyet-quan-ly-tai-chinh-ca-nhan-cho-sinh-vien-tiet-kiem-va-hieu-qua","status":"publish","type":"post","link":"https:\/\/dangnhapfun88.org\/bi-quyet-quan-ly-tai-chinh-ca-nhan-cho-sinh-vien-tiet-kiem-va-hieu-qua\/","title":{"rendered":"B\u00ed quy\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cho sinh vi\u00ean ti\u1ebft ki\u1ec7m v\u00e0 hi\u1ec7u qu\u1ea3"},"content":{"rendered":"

\u00a0B\u00ed quy\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cho sinh vi\u00ean ti\u1ebft ki\u1ec7m v\u00e0 hi\u1ec7u qu\u1ea3<\/strong><\/h2>\n

\u201cH\u1ecdc t\u1eadp, sinh ho\u1ea1t v\u00e0 tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng l\u00e0 m\u1ed9t ph\u1ea7n kh\u00f4ng th\u1ec3 thi\u1ebfu c\u1ee7a sinh vi\u00ean\u201d<\/p>\n

H\u1ea7u h\u1ebft c\u00e1c b\u1ea1n tr\u01b0\u1edbc khi b\u01b0\u1edbc v\u00e0o ng\u01b0\u1ee1ng c\u1eeda c\u1ee7a sinh vi\u00ean lu\u00f4n ngh\u0129 v\u00e0 ao \u01b0\u1edbc r\u1eb1ng m\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c t\u1ef1 do, \u0111\u1ed9c l\u1eadp, c\u00f3 m\u1ed9t c\u0103n ph\u00f2ng \u201cdecorate\u201d trang tr\u00ed theo s\u1edf th\u00edch c\u1ee7a b\u1ea3n th\u00e2n, th\u00edch \u0103n, th\u00edch ng\u1ee7, th\u00edch ch\u01a1i l\u00fac n\u00e0o tu\u1ef3 \u00fd theo b\u1ea3n th\u00e2n m\u00ecnh. Tuy nhi\u00ean; cu\u1ed9c s\u1ed1ng sinh vi\u00ean th\u01b0\u1eddng s\u1ebd g\u1eb7p nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh, b\u1ea1n ph\u1ea3i c\u00e2n \u0111ong \u0111o \u0111\u1ebfm gi\u1eefa nh\u1eefng \u0111i\u1ec1u mu\u1ed1n c\u00f3 v\u00e0 kh\u1ea3 n\u0103ng chi ti\u00eau n\u00ean c\u00f3 th\u1ec3 d\u1ec5 x\u1ea3y ra t\u00ecnh tr\u1ea1ng nh\u01b0 \u201cch\u00e1y t\u00fai\u201d v\u00e0o cu\u1ed1i th\u00e1ng\"\"<\/p>\n

T\u1ea1i sao ph\u1ea3i qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n?<\/strong><\/h3>\n

Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 k\u0129 n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n c\u1ee7a b\u1ea3n th\u00e2n m\u1ed9t c\u00e1c h\u1ee3p l\u00fd, s\u1eed d\u1ee5ng \u201cti\u1ec1n\u201d ph\u00f9 h\u1ee3p theo nhu c\u1ea7u c\u1ea7n thi\u1ebft, m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n, d\u1ef1 \u0111\u1ecbnh c\u1ee7a t\u01b0\u01a1ng lai,\u2026tu\u1ef3 theo kh\u1ea3 n\u0103ng qu\u1ef9 c\u00e1c nh\u00e2n. B\u00ean c\u1ea1nh \u0111\u00f3 b\u1ea1n c\u1ea7n c\u00f3 m\u1ed9t kho\u1ea3n d\u1ef1 tr\u00f9 d\u00e0nh cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p r\u1ee7i ro kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc.<\/p>\n

C\u00e1c b\u00ed quy\u1ebft gi\u00fap sinh vi\u00ean qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1c nh\u00e2n hi\u1ec7u qu\u1ea3:<\/strong><\/h3>\n
Ti\u1ebft ki\u1ec7m chi ph\u00ed thu\u00ea ph\u00f2ng tr\u1ecd<\/strong><\/em><\/h5>\n

\u1eaet h\u1eb3n sinh vi\u00ean l\u00fac n\u00e0o c\u0169ng g\u1eafn li\u1ec1n v\u1edbi nh\u00e0 tr\u1ecd. V\u00e0 \u0111\u00e2y ch\u00ednh l\u00e0 chi ph\u00ed lu\u00f4n c\u1ed1 \u0111\u1ecbnh m\u00e0 sinh vi\u00ean c\u1ea7n ph\u1ea3i \u0111\u1ed1i m\u1eb7t h\u1eb1ng th\u00e1ng. \u0110\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 gi\u1ea3m chi ph\u00ed ti\u1ec1n tr\u1ecd xu\u1ed1ng c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 \u1edf gh\u00e9p v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi ho\u1eb7c \u1edf k\u00ed t\u00fac x\u00e1. Vi\u1ec7c \u1edf gh\u00e9p nhi\u1ec1u ng\u01b0\u1eddi ngo\u00e0i vi\u1ec7c gi\u1ea3m chi ph\u00ed ti\u1ec1n ph\u00f2ng cho c\u00e1c b\u1ea1n c\u00f2n gi\u00fap b\u1ea1n ch\u0103m s\u00f3c l\u1eabn nhau khi g\u1eb7p ph\u1ea3i kh\u00f3 kh\u0103n, \u1ed1m \u0111au, b\u1ec7nh t\u1eadt,…Khi t\u00ecm ph\u00f2ng tr\u1ecd, b\u1ea1n c\u0169ng c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng, so s\u00e1nh m\u1ee9c gi\u00e1 gi\u1eefa c\u00e1c b\u00ean cho thu\u00ea, bao g\u1ed3m c\u1ea3 c\u00e1c kho\u1ea3n ph\u1ee5 ph\u00ed nh\u01b0: ti\u1ec1n m\u1ea1ng internet, gi\u00e1 \u0111i\u1ec7n, gi\u00e1 n\u01b0\u1edbc, ti\u1ec1n v\u1ec7 sinh… \u0111\u1ec3 ti\u1ebft ki\u1ec7m nh\u1ea5t.<\/p>\n

Tr\u01b0\u1eddng Cao \u0111\u1eb3ng C\u00f4ng Ngh\u1ec7 Ngo\u1ea1i Th\u01b0\u01a1ng<\/span> <\/a>l\u00e0 c\u01a1 s\u1edf \u0111\u00e0o t\u1ea1o ngu\u1ed3n nh\u00e2n l\u1ef1c c\u00f3 tay ngh\u1ec1 cao; s\u00e1ng t\u1ea1o, \u0111\u1ed9t ph\u00e1 t\u01b0 duy v\u00e0 c\u00f3 th\u1ec3 nghi\u00ean c\u1ee9u \u1ee9ng d\u1ee5ng trong th\u1ef1c t\u1ebf; ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ecbnh h\u01b0\u1edbng d\u1ea1y v\u00e0 h\u1ecdc m\u1edbi, coi tr\u1ecdng ch\u1ea5t l\u01b0\u1ee3ng \u0111\u00e0o t\u1ea1o l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i. Ngo\u00e0i ra, Tr\u01b0\u1eddng r\u1ea5t quan t\u00e2m \u0111\u1ebfn \u0111\u1eddi s\u1ed1ng c\u1ee7a sinh vi\u00ean, K\u00ed t\u00fac x\u00e1 Tr\u01b0\u1eddng l\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u1ed1t nh\u1ea5t v\u1edbi \u0111\u1ea7y \u0111\u1ee7 ti\u1ec7n nghi ph\u1ee5c v\u1ee5 cho c\u00e1c b\u1ea1n sinh vi\u00ean ti\u1ec7n l\u01b0u tr\u00fa v\u00e0 sinh ho\u1ea1t, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 Tr\u01b0\u1eddng mi\u1ec5n ph\u00ed 100%<\/span> ph\u00ed d\u1ecbch v\u1ee5 l\u01b0u tr\u00fa to\u00e0n kho\u00e1 h\u1ecdc cho c\u00e1c b\u1ea1n sinh vi\u00ean. \u0110\u00e2y l\u00e0 c\u01a1 h\u1ed9i t\u1ed1t cho c\u00e1c b\u1ea1n sinh vi\u00ean ch\u00fa t\u00e2m h\u1ecdc t\u1eadp, \u0111\u1ee1 \u0111i ph\u1ea7n g\u00e1nh n\u1eb7ng.<\/p>\n

Ti\u1ebft ki\u1ec7m s\u00e1ch v\u1edf, gi\u00e1o tr\u00ecnh<\/strong><\/em><\/h5>\n

Tr\u00ean th\u1ef1c t\u1ebf, gi\u00e1 b\u00e1n c\u00e1c cu\u1ed1n gi\u00e1o tr\u00ecnh l\u00e0 r\u1ea5t cao, th\u1eadm ch\u00ed nh\u1eefng cu\u1ed1n s\u00e1ch tham kh\u1ea3o c\u00f2n c\u00f3 th\u1ec3 l\u00ean t\u1edbi 100.000 – 200.000 \u0111\u1ed3ng. Ti\u1ec1n mua s\u00e1ch v\u1edf, gi\u00e1o tr\u00ecnh cho m\u1ed7i m\u00f4n h\u1ecdc tuy nh\u1ecf, nh\u01b0ng khi c\u1ed9ng g\u1ed9p l\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c m\u00f4n h\u1ecdc th\u00ec l\u1ea1i l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn. Ngo\u00e0i ra, s\u00e1ch l\u1ea1i ch\u1ec9 s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c trong th\u1eddi gian ng\u1eafn, \u0111\u1ebfn khi k\u1ebft th\u00fac m\u00f4n h\u1ecdc \u0111\u00f3. Ch\u00ednh v\u00ec v\u1eady, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm \u0111\u1ebfn c\u00e1c gi\u1ea3i ph\u00e1p h\u1eefu \u00edch h\u01a1n \u0111\u1ec3 ti\u1ebft ki\u1ec7m nh\u01b0: m\u01b0\u1ee3n gi\u00e1o tr\u00ecnh t\u1eeb th\u01b0 vi\u1ec7n, xin gi\u00e1o tr\u00ecnh, t\u00e0i li\u1ec7u tham kh\u1ea3o t\u1eeb c\u00e1c anh ch\u1ecb kh\u00f3a tr\u00ean, mua l\u1ea1i s\u00e1ch gi\u00e1o tr\u00ecnh c\u0169\u2026 Khi h\u1ecdc b\u1ea1n c\u0169ng n\u00ean gi\u1eef g\u00ecn s\u00e1ch gi\u00e1o tr\u00ecnh \u0111\u1ec3 sau khi h\u1ecdc xong c\u00f3 th\u1ec3 t\u1eb7ng l\u1ea1i ho\u1eb7c l\u00e0 b\u00e1n l\u1ea1i cho c\u00e1c b\u1ea1n kh\u00f3a sau.<\/p>\n

H\u1ea1n ch\u1ebf vi\u1ec7c h\u1ecdc l\u1ea1i<\/strong><\/em><\/h5>\n

Vi\u1ec7c h\u1ecdc l\u1ea1i l\u00e0 m\u1ed9t t\u00ecnh tr\u1ea1ng r\u1ea5t ph\u1ed5 bi\u1ebfn c\u1ee7a c\u00e1c b\u1ea1n sinh vi\u00ean hi\u1ec7n nay. Nguy\u00ean nh\u00e2n ch\u1ee7 y\u1ebfu d\u1eabn \u0111\u1ebfn vi\u1ec7c n\u00e0y l\u00e0 do ch\u01b0a ch\u00fa tr\u1ecdng h\u1ecdc t\u1eadp, \u0111i h\u1ecdc nh\u01b0 \u0111i ch\u01a1i. Th\u00f4ng th\u01b0\u1eddng, h\u1ecdc ph\u00ed h\u1ecdc l\u1ea1i, s\u1ebd cao h\u01a1n 1,5 – 2 l\u1ea7n so v\u1edbi h\u1ecdc ph\u00ed l\u1ea7n \u0111\u1ea7u n\u00ean n\u1ebfu kh\u00f4ng thi qua m\u00f4n, sinh vi\u00ean s\u1ebd t\u1ed1n th\u00eam r\u1ea5t nhi\u1ec1u ti\u1ec1n \u0111\u1ec3 h\u1ecdc l\u1ea1i. Trong khi \u0111\u00f3, n\u1ebfu b\u1ea1n ch\u00fa tr\u1ecdng vi\u1ec7c h\u1ecdc ngay t\u1eeb \u0111\u1ea7u, k\u1ebft qu\u1ea3 h\u1ecdc t\u1eadp t\u1ed1t th\u00ec \u0111\u00e3 c\u00f3 th\u1ebf ti\u1ebft ki\u1ec7m chi ph\u00ed h\u1ecdc l\u1ea1i. Th\u1eadm ch\u00ed n\u1ebfu k\u1ebft qu\u1ea3 h\u1ecdc t\u1eadp c\u1ee7a b\u1ea1n \u0111\u1ee7 xu\u1ea5t s\u1eafc, b\u1ea1n v\u1eeba c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c h\u1ecdc b\u1ed5ng c\u1ee7a tr\u01b0\u1eddng, l\u1ea1i v\u1eeba t\u1ef1 trang b\u1ecb cho m\u00ecnh m\u1ed9t b\u1ea3ng \u0111i\u1ec3m \u0111\u1eb9p.<\/p>\n

T\u1ef1 n\u1ea5u \u0103n thay v\u00ec \u0103n h\u00e0ng, h\u1ea1n ch\u1ebf t\u1ee5 t\u1eadp ti\u1ec7c t\u00f9ng<\/strong><\/em><\/h5>\n

Chi ph\u00ed c\u00e1c lo\u1ea1i \u0111\u1ed3 \u0103n, \u0111\u1ed3 u\u1ed1ng ch\u1ebf bi\u1ebfn s\u1eb5n b\u00ean ngo\u00e0i kh\u00e1 cao so v\u1edbi m\u1ee9c s\u1ed1ng c\u1ee7a m\u1ed9t sinh vi\u00ean. Ngo\u00e0i ra, \u0111\u1ed3 \u0103n b\u00ean ngo\u00e0i th\u01b0\u1eddng kh\u00f4ng \u0111\u1ea3m b\u1ea3o v\u1ec7 sinh an to\u00e0n th\u1ef1c ph\u1ea9m n\u00ean d\u1ec5 \u0111e d\u1ecda \u0111\u1ebfn s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n. \u0110i\u1ec1u \u0111\u00f3 d\u1eabn \u0111\u1ebfn c\u00e1c b\u1ec7nh v\u1ec1 \u0111\u01b0\u1eddng ru\u1ed9t, d\u1ea1 d\u00e0y, thi\u1ebfu ch\u1ea5t,\u2026d\u1ea7n v\u1ec1 sau s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ee9c kho\u1ebb v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng h\u1ecdc t\u1eadp, c\u00f4ng vi\u1ec7c c\u1ee7a c\u00e1c b\u1ea1n.<\/p>\n

\u0110i l\u00e0m th\u00eam \u0111\u1ec3 t\u0103ng thu nh\u1eadp<\/strong><\/em><\/h5>\n

B\u00ean c\u1ea1nh c\u00e1c bi\u1ec7n ph\u00e1p ti\u1ebft ki\u1ec7m th\u00ec vi\u1ec7c t\u1ea1o th\u00eam ngu\u1ed3n thu nh\u1eadp c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. C\u00e1c b\u1ea1n n\u00ean c\u00e2n nh\u1eafc th\u1eddi gian h\u1ecdc v\u00e0 th\u1eddi gian l\u00e0m th\u00eam l\u00e0m sao cho h\u1ee3p l\u00fd, v\u1eeba \u0111\u1ea3m b\u1ea3o vi\u1ec7c h\u1ecdc v\u00e0 s\u1ee9c kho\u1ebb c\u1ee7a ch\u00ednh m\u00ecnh. D\u00f9 bi\u1ebft ti\u1ec1n c\u0169ng r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec cu\u1ed9c s\u1ed1ng, tuy nhi\u00ean b\u1ea1n n\u00ean ph\u1ea3i bi\u1ebft r\u1eb1ng m\u1ee5c \u0111\u00edch ch\u00ednh, quan tr\u1ecdng nh\u1ea5t c\u1ee7a b\u1ea1n trong giai \u0111o\u1ea1n n\u00e0y l\u00e0 vi\u1ec7c h\u1ecdc. Vi\u1ec7c l\u00e0m th\u00eam kh\u00f4ng ch\u1ec9 \u0111em l\u1ea1i cho c\u00e1c b\u1ea1n ngu\u1ed3n thu m\u00e0 c\u00f2n gi\u00fap b\u1ea1n m\u1edf r\u1ed9ng \u0111\u01b0\u1ee3c c\u00e1c ki\u1ebfn th\u1ee9c m\u1ec1m v\u00e0 v\u1ed1n hi\u1ec3u bi\u1ebft c\u00e1c m\u1ed1i quan h\u1ec7 x\u00e3 h\u1ed9i,\u2026<\/p>\n

T\u00ednh to\u00e1n tr\u01b0\u1edbc c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ed1 \u0111\u1ecbnh<\/strong><\/em><\/h5>\n

B\u1ea1n n\u00ean l\u1eadp ng\u00e2n s\u00e1ch chi ti\u00eau \u0111\u1ec3 c\u00f3 c\u00f3 th\u1ec3 ph\u00e2n chia m\u1ed9t c\u00e1ch khoa h\u1ecdc c\u00e1c kho\u1ea3n thu chi h\u00e0ng th\u00e1ng. Vi\u1ec7c n\u00e0y c\u0169ng s\u1ebd gi\u00fap b\u1ea1n h\u00ecnh th\u00e0nh \u0111\u01b0\u1ee3c k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd chi ti\u00eau l\u00e0nh m\u1ea1nh. Th\u00f3i quen n\u00e0y s\u1ebd gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 d\u1ef1 ph\u00f2ng \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ed1 \u0111\u1ecbnh, kh\u00f4ng b\u1ecb \u0111\u1ed9ng tr\u01b0\u1edbc c\u00e1c kho\u1ea3n chi.<\/p>\n

Ngo\u00e0i ra sinh vi\u00ean c\u00f3 th\u1ec3 chia t\u1ed5ng s\u1ed1 ti\u1ec1n h\u00e0ng th\u00e1ng th\u00e0nh c\u00e1c qu\u1ef9 nh\u1ecf. Ch\u1eb3ng h\u1ea1n, sinh vi\u00ean c\u00f3 th\u1ec3 chi 60% s\u1ed1 ti\u1ec1n cho nhu c\u1ea7u thi\u1ebft y\u1ebfu (\u0103n u\u1ed1ng, \u0111i l\u1ea1i, h\u1ecdc t\u1eadp), 20% \u0111\u1ea7u t\u01b0 n\u00e2ng cao gi\u00e1 tr\u1ecb b\u1ea3n th\u00e2n (h\u1ecdc k\u1ef9 n\u0103ng m\u1edbi), 10% ti\u1ebft ki\u1ec7m cho qu\u1ef9 d\u00e0i h\u1ea1n (thu\u1ed1c men, \u0111au \u1ed1m), 10% c\u00f2n l\u1ea1i chi ti\u00eau cho gi\u1ea3i tr\u00ed c\u00e1 nh\u00e2n. B\u00ean c\u1ea1nh \u0111\u00f3, sinh vi\u00ean \u0111\u1ec3 ti\u1ec1n trong t\u00e0i kho\u1ea3n v\u00e0 r\u00fat ra chi ti\u00eau khi c\u1ea7n thay v\u00ec c\u1ea7m nhi\u1ec1u ti\u1ec1n m\u1eb7t c\u0169ng l\u00e0 ph\u01b0\u01a1ng ph\u00e1p hi\u1ec7u qu\u1ea3.<\/p>\n

Ph\u01b0\u01a1ng ph\u00e1p Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n 50\/30\/20<\/strong><\/em><\/h5>\n

C\u00e1c b\u1ea1n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p sau:<\/p>\n