{"id":664,"date":"2023-05-08T08:39:59","date_gmt":"2023-05-08T08:39:59","guid":{"rendered":"https:\/\/dicastutorial.com\/?p=664"},"modified":"2023-06-03T23:23:50","modified_gmt":"2023-06-03T23:23:50","slug":"ung-dung-tai-chinh-ca-nhan-chung-la-gi-va-cach-su-dung-chung","status":"publish","type":"post","link":"https:\/\/dicastutorial.com\/vi\/aplicativos-de-financas-pessoais-o-que-sao-e-como-usa-los\/","title":{"rendered":"\u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: Ch\u00fang l\u00e0 g\u00ec v\u00e0 c\u00e1ch s\u1eed d\u1ee5ng ch\u00fang"},"content":{"rendered":"<p>N\u1ebfu b\u1ea1n \u0111ang t\u00ecm c\u00e1ch ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh, c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p hi\u1ec7u qu\u1ea3. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta s\u1ebd kh\u00e1m ph\u00e1 th\u1ebf gi\u1edbi c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, ch\u00fang l\u00e0 g\u00ec v\u00e0 c\u00e1ch s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 qu\u1ea3n l\u00fd chi ph\u00ed, ti\u1ebft ki\u1ec7m ti\u1ec1n v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. H\u00e3y \u0111\u1ecdc ti\u1ebfp \u0111\u1ec3 t\u00ecm hi\u1ec3u xem nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 th\u1ec3 thay \u0111\u1ed5i cu\u1ed9c s\u1ed1ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1i sao n\u00ean s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n?<\/h3>\n\n\n\n<p>C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cung c\u1ea5p m\u1ed9t s\u1ed1 l\u1ee3i \u00edch c\u00f3 th\u1ec3 gi\u00fap c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u00fd do t\u1ea1i sao b\u1ea1n n\u00ean c\u00e2n nh\u1eafc s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>d\u1ec5 s\u1eed d\u1ee5ng<\/strong>: C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf tr\u1ef1c quan v\u00e0 d\u1ec5 s\u1eed d\u1ee5ng, ngay c\u1ea3 \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh n\u00e2ng cao.<\/li>\n\n\n\n<li><strong>theo d\u00f5i chi ph\u00ed<\/strong>: C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y cho ph\u00e9p b\u1ea1n ghi l\u1ea1i c\u00e1c kho\u1ea3n chi ti\u00eau h\u00e0ng ng\u00e0y c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng, gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng v\u1ec1 vi\u1ec7c ti\u1ec1n c\u1ee7a m\u00ecnh \u0111ang \u0111\u01b0\u1ee3c chi ti\u00eau v\u00e0o \u0111\u00e2u.<\/li>\n\n\n\n<li><strong>l\u1eadp k\u1ebf ho\u1ea1ch ng\u00e2n s\u00e1ch<\/strong>: V\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, b\u1ea1n c\u00f3 th\u1ec3 t\u1ea1o ng\u00e2n s\u00e1ch \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a v\u00e0 theo d\u00f5i chi ti\u00eau c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/li>\n\n\n\n<li><strong>C\u1ea3nh b\u00e1o v\u00e0 Nh\u1eafc nh\u1edf<\/strong>: C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 th\u1ec3 g\u1eedi cho b\u1ea1n th\u00f4ng b\u00e1o v\u00e0 l\u1eddi nh\u1eafc \u0111\u1ec3 gi\u00fap b\u1ea1n thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111\u00fang h\u1ea1n, tr\u00e1nh b\u1ecb tr\u1ec5 v\u00e0 tr\u00e1nh ph\u1ea3i tr\u1ea3 th\u00eam ph\u00ed.<\/li>\n\n\n\n<li><strong>gi\u00e1m s\u00e1t \u0111\u1ea7u t\u01b0<\/strong>: M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u0169ng cho ph\u00e9p b\u1ea1n theo d\u00f5i c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh, gi\u00fap b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n v\u1ec1 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/li>\n\n\n\n<li><strong>m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/strong>: C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y gi\u00fap b\u1ea1n \u0111\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf v\u00e0 theo d\u00f5i ti\u1ebfn \u0111\u1ed9 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u00f3.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1ch s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/h2>\n\n\n\n<p>B\u00e2y gi\u1edd ch\u00fang ta \u0111\u00e3 hi\u1ec3u \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 g\u00ec, h\u00e3y xem c\u00e1ch s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 c\u1ea3i thi\u1ec7n t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Ch\u1ecdn \u0111\u00fang \u1ee9ng d\u1ee5ng<\/h3>\n\n\n\n<p>C\u00f3 r\u1ea5t nhi\u1ec1u \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, m\u1ed7i \u1ee9ng d\u1ee5ng c\u00f3 c\u00e1c t\u00ednh n\u0103ng v\u00e0 ch\u1ee9c n\u0103ng kh\u00e1c nhau. Tr\u01b0\u1edbc khi ch\u1ecdn m\u1ed9t \u1ee9ng d\u1ee5ng, h\u00e3y xem x\u00e9t nhu c\u1ea7u v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.mint.com\/\">c\u00e2y b\u1ea1c h\u00e0<\/a>: M\u1ed9t \u1ee9ng d\u1ee5ng to\u00e0n di\u1ec7n cho ph\u00e9p b\u1ea1n theo d\u00f5i chi ph\u00ed, t\u1ea1o ng\u00e2n s\u00e1ch v\u00e0 theo d\u00f5i c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.youneedabudget.com\/\">YNAB<\/a>: M\u1ed9t \u1ee9ng d\u1ee5ng t\u1eadp trung v\u00e0o ng\u00e2n s\u00e1ch gi\u00fap b\u1ea1n theo d\u00f5i chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m ti\u1ec1n.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.personalcapital.com\/\">V\u1ed1n c\u00e1 nh\u00e2n<\/a>: M\u1ed9t \u1ee9ng d\u1ee5ng cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 theo d\u00f5i \u0111\u1ea7u t\u01b0 v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. K\u1ebft n\u1ed1i c\u00e1c t\u00e0i kho\u1ea3n t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>Sau khi ch\u1ecdn m\u1ed9t \u1ee9ng d\u1ee5ng, h\u00e3y k\u1ebft n\u1ed1i c\u00e1c t\u00e0i kho\u1ea3n t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n nh\u01b0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, th\u1ebb t\u00edn d\u1ee5ng v\u00e0 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0. \u0110i\u1ec1u n\u00e0y s\u1ebd cho ph\u00e9p \u1ee9ng d\u1ee5ng t\u1ef1 \u0111\u1ed9ng nh\u1eadp c\u00e1c giao d\u1ecbch c\u1ee7a b\u1ea1n v\u00e0 cung c\u1ea5p cho b\u1ea1n c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n v\u1ec1 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh<\/h3>\n\n\n\n<p>\u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t ph\u1ea7n thi\u1ebft y\u1ebfu c\u1ee7a qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. S\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng \u0111\u1ec3 \u0111\u1eb7t m\u1ee5c ti\u00eau th\u1ef1c t\u1ebf, ch\u1eb3ng h\u1ea1n nh\u01b0 ti\u1ebft ki\u1ec7m cho m\u1ed9t chuy\u1ebfn \u0111i ho\u1eb7c tr\u1ea3 h\u1ebft n\u1ee3 v\u00e0 theo d\u00f5i ti\u1ebfn tr\u00ecnh c\u1ee7a b\u1ea1n theo th\u1eddi gian.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Ph\u00e2n lo\u1ea1i chi ph\u00ed c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>Ph\u00e2n lo\u1ea1i c\u00e1c kho\u1ea3n chi ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 hi\u1ec3u ti\u1ec1n c\u1ee7a b\u1ea1n \u0111ang \u0111\u01b0\u1ee3c chi ti\u00eau v\u00e0o \u0111\u00e2u. S\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n lo\u1ea1i c\u1ee7a \u1ee9ng d\u1ee5ng \u0111\u1ec3 s\u1eafp x\u1ebfp chi ph\u00ed c\u1ee7a b\u1ea1n th\u00e0nh c\u00e1c danh m\u1ee5c nh\u01b0 th\u1ef1c ph\u1ea9m, nh\u00e0 \u1edf, ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i v\u00e0 gi\u1ea3i tr\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Theo d\u00f5i ng\u00e2n s\u00e1ch c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p>Ng\u00e2n s\u00e1ch l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 m\u1ea1nh m\u1ebd \u0111\u1ec3 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. S\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng \u0111\u1ec3 t\u1ea1o ng\u00e2n s\u00e1ch t\u00f9y ch\u1ec9nh v\u00e0 theo d\u00f5i chi ti\u00eau c\u1ee7a b\u1ea1n \u0111\u1ed1i v\u1edbi ng\u00e2n s\u00e1ch \u0111\u00f3. \u1ee8ng d\u1ee5ng c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c bi\u1ec3u \u0111\u1ed3 v\u00e0 b\u00e1o c\u00e1o tr\u1ef1c quan \u0111\u1ec3 gi\u00fap b\u1ea1n x\u00e1c \u0111\u1ecbnh c\u00e1c khu v\u1ef1c m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. T\u1eadn d\u1ee5ng c\u00e1c t\u00ednh n\u0103ng b\u1ed5 sung<\/h3>\n\n\n\n<p>Ngo\u00e0i nh\u1eefng \u0111i\u1ec1u c\u01a1 b\u1ea3n v\u1ec1 theo d\u00f5i chi ph\u00ed v\u00e0 l\u1eadp ng\u00e2n s\u00e1ch, nhi\u1ec1u \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u00f2n cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng b\u1ed5 sung nh\u01b0 nh\u1eafc h\u00f3a \u0111\u01a1n, theo d\u00f5i t\u00edn d\u1ee5ng v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u. Kh\u00e1m ph\u00e1 c\u00e1c t\u00ednh n\u0103ng c\u00f3 s\u1eb5n trong \u1ee9ng d\u1ee5ng b\u1ea1n \u0111\u00e3 ch\u1ecdn v\u00e0 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a t\u00ednh n\u0103ng \u0111\u00f3.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dicastutorial.com\/wp-content\/uploads\/2023\/06\/b2ap3_medium_Categorias-Mobills.jpg\" alt=\"\" class=\"wp-image-665\" width=\"640\" height=\"479\" srcset=\"https:\/\/dicastutorial.com\/wp-content\/uploads\/2023\/06\/b2ap3_medium_Categorias-Mobills.jpg 640w, https:\/\/dicastutorial.com\/wp-content\/uploads\/2023\/06\/b2ap3_medium_Categorias-Mobills-300x225.jpg 300w, https:\/\/dicastutorial.com\/wp-content\/uploads\/2023\/06\/b2ap3_medium_Categorias-Mobills-150x112.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>\u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 c\u00f4ng c\u1ee5 m\u1ea1nh m\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh, \u0111\u1eb7t m\u1ee5c ti\u00eau v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh. V\u1edbi nhi\u1ec1u t\u00ednh n\u0103ng s\u1eb5n c\u00f3, nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 th\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 cung c\u1ea5p cho b\u1ea1n th\u00f4ng tin chi ti\u1ebft c\u00f3 gi\u00e1 tr\u1ecb v\u1ec1 th\u00f3i quen chi ti\u00eau c\u1ee7a m\u00ecnh. H\u00e3y th\u1eed m\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn v\u00e0 t\u00ecm \u1ee9ng d\u1ee5ng ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n. B\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ngay h\u00f4m nay v\u00e0 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Se voc\u00ea est\u00e1 procurando maneiras de controlar melhor suas finan\u00e7as pessoais, os aplicativos de finan\u00e7as podem ser uma solu\u00e7\u00e3o eficaz. Neste artigo, exploraremos o mundo dos aplicativos de finan\u00e7as pessoais, o que eles s\u00e3o e como us\u00e1-los para gerenciar suas despesas, economizar dinheiro e alcan\u00e7ar seus objetivos financeiros. Continue lendo para descobrir como esses aplicativos [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":665,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[],"class_list":{"0":"post-664","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aplicativos"},"_links":{"self":[{"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/posts\/664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/comments?post=664"}],"version-history":[{"count":2,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/posts\/664\/revisions"}],"predecessor-version":[{"id":998,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/posts\/664\/revisions\/998"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/media\/665"}],"wp:attachment":[{"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/media?parent=664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/categories?post=664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dicastutorial.com\/vi\/wp-json\/wp\/v2\/tags?post=664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}