{"id":3696,"date":"2022-08-02T10:52:22","date_gmt":"2022-08-02T03:52:22","guid":{"rendered":"https:\/\/bizuni.vn\/dau-tu\/?p=3696"},"modified":"2022-08-03T16:21:47","modified_gmt":"2022-08-03T09:21:47","slug":"co-hoi-day-con-quan-ly-tai-chinh","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/dau-tu\/co-hoi-day-con-quan-ly-tai-chinh\/","title":{"rendered":"C\u01a1 h\u1ed9i d\u1ea1y con qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh"},"content":{"rendered":"

T\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c gi\u00e1o d\u1ee5c cho con nh\u1eefng hi\u1ec3u bi\u1ebft v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n (Personal Finance) \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 c\u00e2u chuy\u1ec7n m\u1edbi, tuy nhi\u00ean, vi\u1ec7c d\u1ea1y c\u00e1i g\u00ec, v\u00e0 d\u1ea1y nh\u01b0 th\u1ebf n\u00e0o, v\u1eabn l\u00e0 c\u00e2u h\u1ecfi khi\u1ebfn nhi\u1ec1u ph\u1ee5 huynh ph\u1ea3i b\u0103n kho\u0103n.<\/strong>
\nD\u1ecbp n\u00e0y, h\u00e3y c\u00f9ng Tu\u1ed5i Tr\u1ebb tr\u00f2 chuy\u1ec7n v\u1edbi anh L\u00e2m Minh Ch\u00e1nh – Chuy\u00ean gia v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, t\u00e1c gi\u1ea3 c\u1ee7a quy\u1ec3n s\u00e1ch \u201cT\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi Vi\u1ec7t Nam\u201d \u0111\u1ec3 t\u00ecm ra l\u1eddi gi\u1ea3i cho b\u00e0i to\u00e1n tr\u00ean.<\/strong><\/p>\n

C\u1ea7n x\u00f3a m\u00f9 cho ng\u01b0\u1eddi l\u1edbn tr\u01b0\u1edbc<\/span><\/h5>\n

** PV: Theo quan s\u00e1t c\u1ee7a anh, \u0111\u00e2u l\u00e0 m\u1ed9t v\u00e0i th\u00e1i \u0111\u1ed9 sai m\u00e0 ph\u1ee5 huynh th\u01b0\u1eddng m\u1eafc ph\u1ea3i khi con h\u1ecfi v\u1ec1 ti\u1ec1n b\u1ea1c?<\/strong>
\nLMC:<\/strong><\/span> \u1ede nh\u1eefng gia \u0111\u00ecnh c\u00f3 \u0111i\u1ec1u ki\u1ec7n, m\u1ed9t v\u1ea5n \u0111\u1ec1 t\u00f4i th\u01b0\u1eddng th\u1ea5y l\u00e0 s\u1ef1 nu\u00f4ng chi\u1ec1u qu\u00e1 m\u1ee9c. C\u00e2u c\u1eeda mi\u1ec7ng c\u1ee7a nh\u1eefng v\u1ecb ph\u1ee5 huynh n\u00e0y th\u01b0\u1eddng l\u00e0: \u201cCh\u1ec9 c\u1ea7n con ngoan, hay h\u1ecdc gi\u1ecfi, ti\u1ec1n b\u1ea1c c\u1ee9 \u0111\u1ec3 ba m\u1eb9 lo, con c\u1ea7n g\u00ec th\u00ec ba m\u1eb9 \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng\u201d. Th\u1ebf nh\u01b0ng ch\u00ednh th\u00e1i \u0111\u1ed9 n\u00e0y c\u1ee7a ph\u1ee5 huynh s\u1ebd khi\u1ebfn cho con kh\u00f4ng hi\u1ec3u v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a \u0111\u1ed3ng ti\u1ec1n, v\u00e0 v\u00ec th\u1ebf kh\u00f4ng c\u00f3 th\u00e1i \u0111\u1ed9 \u0111\u00fang v\u1ec1 ti\u1ec1n b\u1ea1c.
\nC\u00f2n \u1edf nh\u1eefng gia \u0111\u00ecnh kh\u00f4ng qu\u00e1 kh\u00e1 gi\u1ea3, c\u00e1ch \u1ee9ng x\u1eed c\u1ee7a ph\u1ee5 huynh c\u00f3 th\u1ec3 khi\u1ebfn cho con c\u1ea3m th\u1ea5y \u0111\u1ed3ng ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c l\u00e0 c\u1ef1c k\u00ec kh\u00f3 kh\u0103n, khi\u1ebfn con s\u1ee3 \u0111\u1ebfn m\u1ee9c kh\u00f4ng d\u00e1m ti\u00eau x\u00e0i. Nh\u1eefng \u0111\u1ee9a tr\u1ebb n\u00e0y khi l\u1edbn l\u00ean r\u1ea5t d\u1ec5 s\u1ed1ng l\u1ed1i s\u1ed1ng t\u1eb1n ti\u1ec7n qu\u00e1 m\u1ee9c v\u00e0 lu\u00f4n b\u1ea5t an khi ngh\u0129 v\u1ec1 ti\u1ec1n b\u1ea1c.<\/p>\n

** PV: C\u00f3 nhi\u1ec1u ph\u1ee5 huynh c\u0169ng mu\u1ed1n chia s\u1ebb v\u1edbi con nh\u01b0ng l\u1ea1i kh\u00f4ng bi\u1ebft n\u00ean b\u1eaft \u0111\u1ea7u th\u1ebf n\u00e0o, anh ngh\u0129 sao v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, ph\u1ea3i ch\u0103ng ti\u1ec1n b\u1ea1c v\u1ed1n d\u0129 lu\u00f4n l\u00e0 c\u00e2u chuy\u1ec7n kh\u00f3 chia s\u1ebb?<\/strong>
\nLMC:<\/strong><\/span> \u0110\u00fang v\u1eady, ti\u1ec1n v\u1ed1n lu\u00f4n l\u00e0 v\u1ea5n \u0111\u1ec1 kh\u00f3 chia s\u1ebb. C\u00f3 m\u1ed9t lu\u1ed3ng quan ni\u1ec7m c\u0169 cho r\u1eb1ng d\u1ea1y con s\u1edbm v\u1ec1 ti\u1ec1n, cho con ti\u1ebfp x\u00fac s\u1edbm v\u1edbi ti\u1ec1n th\u00ec s\u1ebd l\u00e0m cho con h\u01b0. M\u00e0 \u0111i\u1ec1u n\u00e0y th\u00ec r\u1ea5t nguy hi\u1ec3m, v\u00ec khi cha m\u1eb9 ng\u1ea1i d\u1ea1y ho\u1eb7c kh\u00f4ng bi\u1ebft c\u00e1ch d\u1ea1y, con s\u1ebd t\u1ef1 h\u1ecdc. C\u00f3 th\u1ec3 con s\u1ebd t\u1ef1 h\u1ecdc \u0111\u00fang nh\u01b0ng c\u00f3 th\u1ec3 con s\u1ebd h\u1ecdc sai.
\nTh\u00f4ng th\u01b0\u1eddng, ng\u01b0\u1eddi ngh\u00e8o th\u00ec th\u01b0\u1eddng c\u00f3 m\u1eb7c c\u1ea3m ch\u00ednh m\u00ecnh c\u00f2n kh\u00f4ng \u0111\u1ee7 ti\u1ec1n n\u00ean c\u0169ng kh\u00f4ng mu\u1ed1n n\u00f3i v\u1edbi con v\u1ec1 vi\u1ec7c \u1ea5y, c\u00f2n ng\u01b0\u1eddi gi\u00e0u l\u1ea1i kh\u00f4ng mu\u1ed1n cho con bi\u1ebft v\u00ec s\u1ee3 con s\u1ebd \u1ef7 l\u1ea1i v\u00e0o \u0111i\u1ec1u ki\u1ec7n gia \u0111\u00ecnh. M\u1ed7i b\u1eadc ph\u1ee5 huynh l\u1ea1i c\u00f3 m\u1ed9t l\u00fd do \u0111\u1ec3 c\u1ea3m th\u1ea5y ng\u1ea1i kh\u00e1c nhau khi con h\u1ecfi v\u1ec1 ti\u1ec1n b\u1ea1c.
\nTh\u1ebf nh\u01b0ng c\u0169ng c\u00f3 m\u1ed9t th\u1ef1c t\u1ebf l\u00e0 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t nh\u00ecn chung c\u00f2n kh\u00e1 th\u1ea5p, vi\u1ec7c n\u00e0y c\u0169ng khi\u1ebfn cho b\u1eadc ph\u1ee5 huynh g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c d\u1ea1y con. Do v\u1eady, c\u1ea7n xo\u00e1 m\u00f9 cho ng\u01b0\u1eddi l\u1edbn tr\u01b0\u1edbc, r\u1ed3i m\u1edbi \u0111\u1ebfn xo\u00e1 m\u00f9 cho tr\u1ebb em. Cha m\u1eb9 c\u1ea7n ph\u1ea3i n\u1ed7 l\u1ef1c \u201cx\u00f3a m\u00f9\u201d v\u1ec1 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh cho ch\u00ednh m\u00ecnh tr\u01b0\u1edbc.<\/p>\n

** PV: V\u1eady theo anh, nguy hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o khi \u0111\u1ec3 cho con t\u1ef1 h\u1ecdc?<\/strong>
\nLMC:<\/strong><\/span> Nguy hi\u1ec3m \u1edf ch\u1ed7 khi l\u1edbn l\u00ean, con c\u00f3 th\u1ec3 c\u00f3 th\u00e1i \u0111\u1ed9 sai v\u1ec1 ti\u1ec1n b\u1ea1c v\u00e0 kh\u00f4ng bi\u1ebft c\u00e1ch qu\u1ea3n l\u00fd ti\u1ec1n. M\u1ed9t suy ngh\u0129 ph\u1ed5 bi\u1ebfn c\u1ee7a ng\u01b0\u1eddi tr\u1ebb l\u00e0 ti\u1ec1n kh\u00f3 ki\u1ebfm, c\u00f2n c\u00e1ch qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng d\u1ec5 m\u00e0, ai c\u0169ng c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c, c\u0169ng qu\u1ea3n l\u00fd t\u1ed1t. Th\u1ef1c ra vi\u1ec7c qu\u1ea3n l\u00fd, s\u1eed d\u1ee5ng, ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch \u0111\u00fang \u0111\u1eafn c\u0169ng kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n.
\nNg\u01b0\u1eddi tr\u1ebb th\u01b0\u1eddng ngh\u0129 r\u1eb1ng l\u01b0\u01a1ng t\u00f4i th\u1ea5p th\u00ec \u0111\u1ec3 d\u00e0nh c\u0169ng ch\u1eb3ng \u0111\u01b0\u1ee3c bao nhi\u00eau n\u00ean th\u00f4i c\u1ee9 x\u00e0i h\u1ebft. Sai l\u1ea7m \u0111\u00f3 d\u1eabn \u0111\u1ebfn c\u00e1c b\u1ea1n tr\u1ebb kh\u00f4ng t\u00edch l\u0169y v\u00e0 sinh tr\u01b0\u1edfng ti\u1ec1n t\u1eeb nh\u1eefng ng\u00e0y c\u00f2n tr\u1ebb.
\nH\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi tr\u1ebb kh\u00f4ng hi\u1ec3u r\u00f5 quy tr\u00ecnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: ki\u1ebfm ti\u1ec1n v\u1edbi c\u00f4ng su\u1ea5t cao nh\u1ea5t, ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng, ph\u1ea3i gi\u1eef \u0111\u01b0\u1ee3c ti\u1ec1n v\u00e0 quan tr\u1ecdng l\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ti\u1ec1n t\u0103ng tr\u01b0\u1edfng nh\u1eb1m \u0111\u1ea1t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. R\u1ea5t nhi\u1ec1u b\u1ea1n tr\u1ebb c\u00f2n ch\u01b0a bi\u1ebft \u0111\u1eb7t cho m\u00ecnh m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u1ed9t c\u00e1ch chi ti\u1ebft, r\u00f5 r\u00e0ng.<\/p>\n

Cha m\u1eb9 c\u0169ng ph\u1ea3i l\u00e0 m\u1ed9t t\u1ea5m g\u01b0\u01a1ng<\/strong><\/span><\/h5>\n

** PV: D\u01b0\u1edbi g\u00f3c nh\u00ecn c\u1ee7a m\u1ed9t chuy\u00ean gia v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, anh ngh\u0129 \u0111\u00e2u l\u00e0 gi\u1ea3i ph\u00e1p mang t\u00ednh l\u00e2u d\u00e0i cho v\u1ea5n \u0111\u1ec1 n\u00e0y?
\n<\/strong>LMC:<\/strong><\/span> B\u00ean c\u1ea1nh vi\u1ec7c b\u1ea3n th\u00e2n ph\u1ee5 huynh v\u00e0 ng\u01b0\u1eddi tr\u1ebb c\u1ea7n ch\u1ee7 \u0111\u1ed9ng h\u1ecdc h\u1ecfi th\u00ec t\u00f4i cho r\u1eb1ng c\u00e1c tr\u01b0\u1eddng h\u1ecdc c\u0169ng c\u1ea7n \u0111\u01b0a ki\u1ebfn th\u1ee9c v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o. R\u1ea5t ti\u1ebfc, cho \u0111\u1ebfn nay, ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c c\u1ee7a ch\u00fang ta v\u1eabn ch\u01b0a c\u00f3 m\u1ed9t m\u00f4n h\u1ecdc ch\u00ednh th\u1ee9c n\u00e0o d\u1ea1y c\u00e1c em h\u1ecdc sinh v\u1ec1 t\u00e0i ch\u00ednh, v\u1ec1 th\u01b0\u1eddng th\u1ee9c kinh t\u1ebf.
\nT\u1ea5t nhi\u00ean, trong nh\u1eefng n\u0103m \u0111\u1ea7u \u0111\u1eddi c\u1ee7a tr\u1ebb, vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 gi\u00e1o d\u1ee5c t\u1eeb gia \u0111\u00ecnh v\u1eabn \u0111\u00f3ng m\u1ed9t vai tr\u00f2 r\u1ea5t quan tr\u1ecdng. Tr\u1ebb con t\u1eeb 6 tu\u1ed5i \u0111\u00e3 b\u1eaft \u0111\u1ea7u bi\u1ebft gi\u1eefa cha v\u00e0 m\u1eb9 ai nhi\u1ec1u ti\u1ec1n h\u01a1n r\u1ed3i, khi \u1ea5y, ch\u00fang ta \u0111\u00e3 c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u d\u1ea1y \u0111\u1ee9a tr\u1ebb nh\u1eefng chuy\u1ec7n c\u01a1 b\u1ea3n nh\u1ea5t. V\u1edbi nh\u1eefng \u0111\u1ee9a tr\u1ebb hay v\u00f2i v\u0129nh ba m\u1eb9 ph\u1ea3i mua nhi\u1ec1u th\u1ee9 th\u00ec d\u1ea1y con v\u1ec1 s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i, ch\u1eb3ng h\u1ea1n nh\u01b0 con mu\u1ed1n mua m\u00e1y ch\u01a1i game n\u00e0y th\u00ec n\u0103m sau m\u1edbi c\u00f3 th\u1ec3 mua gi\u00e0y, ng\u00e2n s\u00e1ch c\u1ee7a con ch\u1ec9 \u0111\u01b0\u1ee3c m\u1ed9t trong hai th\u1ee9. D\u1ea1y cho con ph\u1ea3i l\u1ef1a ch\u1ecdn ch\u1ee9 kh\u00f4ng n\u00ean l\u00fac n\u00e0o c\u0169ng chi\u1ec1u theo \u00fd mu\u1ed1n c\u1ee7a con.<\/p>\n

\"D\u1ea1y
B\u00ean c\u1ea1nh vi\u1ec7c b\u1ea3n th\u00e2n ph\u1ee5 huynh v\u00e0 ng\u01b0\u1eddi tr\u1ebb c\u1ea7n ch\u1ee7 \u0111\u1ed9ng h\u1ecdc h\u1ecfi th\u00ec t\u00f4i cho r\u1eb1ng c\u00e1c tr\u01b0\u1eddng h\u1ecdc c\u0169ng c\u1ea7n \u0111\u01b0a ki\u1ebfn th\u1ee9c v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o.<\/figcaption><\/figure>\n

** PV: Khi \u0111\u1ee9a tr\u1ebb c\u00f2n s\u1ed1ng chung v\u1edbi ba m\u1eb9, \u0111\u00e2u l\u00e0 nh\u1eefng \u0111i\u1ec1u t\u01b0\u1edfng r\u1eb1ng \u0111\u01a1n gi\u1ea3n nh\u1ea5t, nh\u01b0ng c\u0169ng quan tr\u1ecdng nh\u1ea5t v\u1ec1 ti\u1ec1n b\u1ea1c m\u00e0 anh cho l\u00e0 c\u00e1c b\u1eadc cha m\u1eb9 \u0111\u1ec1u n\u00ean d\u1ea1y cho con?<\/strong>
\nLMC:<\/strong><\/span> Gi\u00e1o d\u1ee5c \u0111\u01a1n gi\u1ea3n nh\u1ea5t m\u00e0 cha m\u1eb9 c\u00f3 th\u1ec3 l\u00e0m l\u00e0 gi\u00fap con qu\u1ea3n l\u00fd ti\u1ec1n con ti\u00eau d\u00f9ng m\u1ed7i ng\u00e0y b\u1eb1ng c\u00e1ch chia cho con nh\u1eefng c\u00e1i l\u1ecd \u1edf m\u1ee9c c\u01a1 b\u1ea3n, h\u01b0\u1edbng d\u1eabn con ti\u1ec1n n\u00e0y th\u00ec d\u00f9ng v\u00e0o vi\u1ec7c g\u00ec, l\u1ecd n\u00e0o \u0111\u1ec3 \u0111\u00f3ng h\u1ecdc ph\u00ed v\u00e0 l\u1ecd n\u00e0o cho vi\u1ec7c mua qu\u00e0 v\u1eb7t. N\u1ebfu con mu\u1ed1n mua s\u1eafm \u0111i\u1ec1u g\u00ec, h\u00e3y d\u1ea1y con bi\u1ebft ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u00f3. Vi\u1ec7c n\u00e0y c\u0169ng s\u1ebd gi\u00fap cho con hi\u1ec3u r\u1eb1ng ti\u1ec1n kh\u00f4ng l\u00e0 v\u00f4 h\u1ea1n, mu\u1ed1n c\u00f3 ti\u1ec1n th\u00ec ph\u1ea3i lao \u0111\u1ed9ng l\u00e0m ra ti\u1ec1n. Con c\u00f2n nh\u1ecf ch\u01b0a l\u00e0m ra ti\u1ec1n th\u00ec ph\u1ea3i ti\u1ebft ki\u1ec7m, ph\u1ea3i s\u1eed d\u1ee5ng ti\u1ec1n \u0111\u00fang c\u00e1ch.
\nKhi tr\u1ebb l\u1edbn h\u01a1n th\u00ec h\u00e3y d\u1ea1y tr\u1ebb ph\u00e2n bi\u1ec7t gi\u1eefa c\u00e1i c\u1ea7n v\u00e0 c\u00e1i mu\u1ed1n: c\u00e1i m\u00ecnh mu\u1ed1n th\u00ec r\u1ea5t nhi\u1ec1u, nh\u01b0ng t\u1ea5t nhi\u00ean m\u00ecnh s\u1ebd kh\u00f4ng \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 mua h\u1ebft c\u00e1i m\u00ecnh mu\u1ed1n. \u0110\u1ec3 c\u00f3 th\u1ec3 d\u1ea1y con \u0111i\u1ec1u n\u00e0y, b\u1ea3n th\u00e2n cha m\u1eb9 c\u0169ng ph\u1ea3i l\u00e0 m\u1ed9t t\u1ea5m g\u01b0\u01a1ng, kh\u00f4ng th\u1ec3 n\u00f3i v\u1edbi con con c\u1ea7n c\u1ed1 g\u1eafng nh\u01b0ng cha m\u1eb9 l\u1ea1i ti\u00eau x\u00e0i hoang ph\u00ed, v\u00ed d\u1ee5 cha th\u00ec nh\u1eadu, c\u00e0 ph\u00ea qu\u00e1 nhi\u1ec1u, m\u1eb9 th\u00ec mua s\u1eafm qu\u00e1 nhi\u1ec1u nh\u1eefng th\u1ee9 kh\u00f4ng c\u1ea7n thi\u1ebft.
\nM\u1ed9t s\u1ed1 cha m\u1eb9 hay treo th\u01b0\u1edfng cho con, v\u00ed d\u1ee5 nh\u01b0 \u201ccon d\u1ecdn d\u1eb9p ph\u00f2ng th\u00ec s\u1ebd \u0111\u01b0\u1ee3c cho ti\u1ec1n\u201d v\u00e0 ngh\u0129 r\u1eb1ng m\u00ecnh \u0111ang d\u1ea1y con hi\u1ec3u v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a \u0111\u1ed3ng ti\u1ec1n, nh\u01b0ng \u0111i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u00fang. Nh\u1eefng g\u00ec thu\u1ed9c v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a tr\u1ebb th\u00ec tr\u1ebb ph\u1ea3i l\u00e0m, cha m\u1eb9 kh\u00f4ng n\u00ean th\u01b0\u1edfng ti\u1ec1n. Ch\u1ec9 khi n\u00e0o cha m\u1eb9 giao th\u00eam cho con nh\u1eefng c\u00f4ng vi\u1ec7c kh\u00f4ng thu\u1ed9c v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a con th\u00ec m\u1edbi n\u00ean th\u01b0\u1edfng cho con tr\u00ean \u201cth\u00e0nh qu\u1ea3\u201d lao \u0111\u1ed9ng.
\nKhi con 13-14 tu\u1ed5i, c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u d\u1ea1y con vi\u1ec7c l\u00e0m k\u1ebf ho\u1ea1ch ng\u00e2n s\u00e1ch, ph\u00e2n b\u1ed5 chi ti\u00eau. Ch\u1eb3ng h\u1ea1n nh\u01b0 khi gia \u0111\u00ecnh \u0111i ch\u01a1i th\u00ec c\u00f3 th\u1ec3 cho con ph\u1ee5 qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch. B\u1eb1ng c\u00e1ch \u0111\u00f3 s\u1ebd gi\u00fap cho con c\u00f3 tr\u00e1ch nhi\u1ec7m, c\u00f3 th\u00e1i \u0111\u1ed9 \u0111\u00fang \u0111\u1eafn h\u01a1n v\u1edbi ti\u1ec1n b\u1ea1c.<\/p>\n

** PV: Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n tr\u00ean th\u1ebf gi\u1edbi, anh ngh\u0129 \u0111\u00e2u l\u00e0 th\u00e1ch th\u1ee9c m\u00e0 c\u00e1c ph\u1ee5 huynh c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i di\u1ec7n n\u1ebfu mu\u1ed1n gi\u00e1o d\u1ee5c con v\u1ec1 vi\u1ec7c \u201cd\u00f9ng ti\u1ec1n nh\u01b0ng kh\u00f4ng c\u1ea7m ti\u1ec1n\u201d? Theo anh, ph\u1ee5 huynh n\u00ean l\u00e0m g\u00ec \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ed3ng h\u00e0nh c\u00f9ng con trong c\u00e2u chuy\u1ec7n n\u00e0y?<\/strong>
\nLMC:<\/strong><\/span> Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 1 xu h\u01b0\u1edbng kh\u00f4ng th\u1ec3 c\u01b0\u1ee1ng l\u1ea1i. N\u00f3 \u0111em l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho x\u00e3 h\u1ed9i. \u0110\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi tr\u1ebb, th\u00ec thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t s\u1ebd gi\u1ea3m r\u1ee7i ro b\u1ecb m\u1ea5t m\u00e1t, b\u1ecb tr\u1ed9m c\u01b0\u1edbp, b\u1ecb t\u1ea5n c\u00f4ng. An to\u00e0n h\u01a1n cho con tr\u1ebb.
\nTuy v\u1eady, thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t s\u1ebd d\u1eabn \u0111\u1ebfn vi\u1ec7c ti\u00eau x\u00e0i qu\u00e1 ng\u00e2n s\u00e1ch. Khi d\u00f9ng ti\u1ec1n, ch\u00fang ta m\u1edf v\u00ed v\u00e0 s\u1ebd th\u1ea5y ti\u1ec1n m\u00ecnh v\u01a1i. C\u00f2n thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t kh\u00f4ng c\u00f3 c\u1ea3m gi\u00e1c n\u00e0y.
\nThanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t c\u0169ng c\u00f3 th\u1ec3 gi\u00fap cha m\u1eb9, th\u00f4ng qua vi\u1ec7c c\u00f9ng qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a con, s\u1ebd gi\u00fap con s\u1eed d\u1ee5ng ti\u1ec1n \u0111\u00fang \u0111\u1eafn, hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

\"D\u1ea1y
Thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t c\u0169ng c\u00f3 th\u1ec3 gi\u00fap cha m\u1eb9, th\u00f4ng qua vi\u1ec7c c\u00f9ng qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a con, s\u1ebd gi\u00fap con s\u1eed d\u1ee5ng ti\u1ec1n \u0111\u00fang \u0111\u1eafn, hi\u1ec7u qu\u1ea3 h\u01a1n.<\/figcaption><\/figure>\n

** PV: G\u1ea7n \u0111\u00e2y, vi\u1ec7c ch\u1ee9ng kho\u00e1n v\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o SGK to\u00e1n l\u1edbp 10 m\u1edbi (thu\u1ed9c b\u1ed9 K\u1ebft n\u1ed1i v\u1edbi tri th\u1ee9c) \u0111ang \u0111\u01b0\u1ee3c d\u01b0 lu\u1eadn r\u1ea5t quan t\u00e2m, anh c\u00f3 ngh\u0129 \u0111\u00e2y l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u t\u1ed1t trong chuy\u1ec7n gi\u00e1o d\u1ee5c con tr\u1ebb v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u1edf Vi\u1ec7t Nam?<\/strong>
\n– LMC:<\/strong> \u0110\u00e2y l\u00e0 t\u00edn hi\u1ec7u t\u1ed1t, th\u1ebf nh\u01b0ng tr\u01b0\u1edbc khi cho h\u1ecdc sinh gi\u1ea3i nh\u1eefng b\u00e0i t\u1eadp v\u1ec1 ch\u1ee9ng kho\u00e1n hay \u0111\u1ea7u t\u01b0, ch\u00fang ta ph\u1ea3i cung c\u1ea5p cho c\u00e1c b\u1ea1n tr\u1ebb ki\u1ebfn th\u1ee9c n\u1ec1n, ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n. V\u00ed d\u1ee5 nh\u01b0 ch\u1ee9ng kho\u00e1n l\u00e0 g\u00ec. L\u1ee3i \u00edch c\u1ee7a ch\u1ee9ng kho\u00e1n \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf v\u00e0 ng\u01b0\u1eddi d\u00e2n. T\u1ea1i sao ch\u00fang ta l\u1ea1i \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n<\/a>. Nh\u1eefng l\u1ee3i \u00edch v\u00e0 r\u1ee7i ro g\u00ec khi \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n. N\u1ebfu ch\u00fang ta kh\u00f4ng cung c\u1ea5p ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n \u0111\u00f3 cho b\u1ea1n tr\u1ebb m\u00e0 ch\u1ec9 cho b\u1ea1n tr\u1ebb l\u00e0m to\u00e1n, t\u00ednh to\u00e1n ch\u1ee9ng kho\u00e1n th\u00ec l\u1ee3i b\u1ea5t c\u1eadp h\u1ea1i.\u201d<\/p>\n

\n

** B\u00e0i ph\u1ecfng v\u1ea5n Chuy\u00ean gia t\u00e0i ch\u00ednh, t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh tr\u00ean B\u00e1o Tu\u1ed5i Tr\u1ebb ng\u00e0y 1\/8\/2022, th\u1ef1c hi\u1ec7n b\u1edfi ph\u00f3ng vi\u00ean Ph\u1ed1 H\u01b0\u01a1ng.
\n** Link b\u00e0i: https:\/\/tuoitre.vn\/co-hoi-day-con-quan-ly-tai-chinh-20220801104515367.htm?<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c gi\u00e1o d\u1ee5c cho con nh\u1eefng hi\u1ec3u bi\u1ebft v\u1ec1 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n (Personal Finance) \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 c\u00e2u chuy\u1ec7n m\u1edbi, tuy nhi\u00ean, vi\u1ec7c d\u1ea1y c\u00e1i g\u00ec, v\u00e0 d\u1ea1y nh\u01b0 th\u1ebf n\u00e0o, v\u1eabn l\u00e0 c\u00e2u h\u1ecfi khi\u1ebfn nhi\u1ec1u ph\u1ee5 huynh ph\u1ea3i b\u0103n kho\u0103n. D\u1ecbp n\u00e0y, h\u00e3y c\u00f9ng Tu\u1ed5i…<\/p>\n","protected":false},"author":2,"featured_media":3697,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[2],"tags":[79,9,17],"class_list":["post-3696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ca-nhan","tag-day-con-quan-ly-tai-chinh","tag-lam-minh-chanh","tag-tai-chinh-ca-nhan"],"featured_image_src_large":["https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/08\/mail-Day-con-quan-ly-tai-chinh.jpg?fit=600%2C314&ssl=1",600,314,true],"author_info":{"display_name":"Hi\u1ec1n Nguy\u1ec5n","author_link":"https:\/\/bizuni.vn\/dau-tu\/author\/hn\/"},"comment_info":0,"category_info":[{"term_id":2,"name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","slug":"tai-chinh-ca-nhan","term_group":0,"term_taxonomy_id":2,"taxonomy":"category","description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","parent":0,"count":17,"filter":"raw","cat_ID":2,"category_count":17,"category_description":"Chuy\u00ean trang g\u1ed3m nh\u1eefng b\u00e0i vi\u1ebft v\u1ec1 T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a t\u00e1c gi\u1ea3 L\u00e2m Minh Ch\u00e1nh","cat_name":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","category_nicename":"tai-chinh-ca-nhan","category_parent":0}],"tag_info":[{"term_id":79,"name":"d\u1ea1y con qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh","slug":"day-con-quan-ly-tai-chinh","term_group":0,"term_taxonomy_id":79,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":9,"name":"Lam Minh Chanh","slug":"lam-minh-chanh","term_group":0,"term_taxonomy_id":9,"taxonomy":"post_tag","description":"","parent":0,"count":11,"filter":"raw"},{"term_id":17,"name":"t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n","slug":"tai-chinh-ca-nhan","term_group":0,"term_taxonomy_id":17,"taxonomy":"post_tag","description":"","parent":0,"count":9,"filter":"raw"}],"taxonomy_info":{"category":[{"value":2,"label":"T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"}],"post_tag":[{"value":79,"label":"d\u1ea1y con qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh"},{"value":9,"label":"Lam Minh Chanh"},{"value":17,"label":"t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n"}]},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bizuni.vn\/dau-tu\/wp-content\/uploads\/2022\/08\/mail-Day-con-quan-ly-tai-chinh.jpg?fit=600%2C314&ssl=1","_links":{"self":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/comments?post=3696"}],"version-history":[{"count":8,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3696\/revisions"}],"predecessor-version":[{"id":3710,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/posts\/3696\/revisions\/3710"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media\/3697"}],"wp:attachment":[{"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/media?parent=3696"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/categories?post=3696"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizuni.vn\/dau-tu\/wp-json\/wp\/v2\/tags?post=3696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}