{"id":3672,"date":"2025-07-25T03:24:44","date_gmt":"2025-07-25T03:24:44","guid":{"rendered":"https:\/\/htp.org.vn\/?p=3672"},"modified":"2025-08-14T05:59:44","modified_gmt":"2025-08-14T05:59:44","slug":"vi-sao-chung-ta-thuong-ne-viec-quan-ly-tai-chinh-ca-nhan","status":"publish","type":"post","link":"https:\/\/htp.org.vn\/en\/vi-sao-chung-ta-thuong-ne-viec-quan-ly-tai-chinh-ca-nhan\/","title":{"rendered":"V\u00ec sao ch\u00fang ta th\u01b0\u1eddng “n\u00e9” vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n?"},"content":{"rendered":"

B\u1ea1n bi\u1ebft m\u00ecnh n\u00ean qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. \u1ee8ng d\u1ee5ng th\u00ec \u0111\u1ea7y r\u1eaby. L\u00fd thuy\u1ebft th\u00ec nghe ho\u00e0i. Nh\u01b0ng v\u1eabn\u2026 \u0111\u1ec3 \u0111\u00f3. T\u1ea1i sao?<\/strong><\/p>\n

\u0110\u1ea1i d\u1ecbch COVID-19, l\u1ea1m ph\u00e1t, bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng\u2026 t\u1ea5t c\u1ea3 \u0111\u00e3 \u0111\u1ea9y nhi\u1ec1u ng\u01b0\u1eddi v\u00e0o t\u00ecnh tr\u1ea1ng c\u0103ng th\u1eb3ng t\u00e0i ch\u00ednh ch\u01b0a t\u1eebng c\u00f3. Nh\u01b0ng \u0111i\u1ec1u \u0111\u00e1ng ng\u1ea1c nhi\u00ean l\u00e0 thay v\u00ec \u0111\u1ed1i m\u1eb7t, r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi l\u1ea1i\u2026 tr\u00e1nh n\u00e9 ho\u00e0n to\u00e0n vi\u1ec7c l\u00ean k\u1ebf ho\u1ea1ch chi ti\u00eau. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 ph\u1ed5 bi\u1ebfn, m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c gi\u1edbi chuy\u00ean m\u00f4n g\u1ecdi t\u00ean r\u00f5 r\u00e0ng: \u201cMoney Avoidance\u201d<\/strong>.<\/p>\n

Money Avoidance \u2013 H\u1ed9i ch\u1ee9ng n\u00e9 tr\u00e1nh ti\u1ec1n b\u1ea1c l\u00e0 g\u00ec?<\/strong><\/h3>\n

Theo Financial Therapy Association<\/em>, \u0111\u00e2y l\u00e0 m\u1ed9t d\u1ea1ng c\u1ee7a r\u1ed1i lo\u1ea1n ti\u1ec1n b\u1ea1c (money disorder)<\/strong>, n\u01a1i con ng\u01b0\u1eddi n\u00e9 tr\u00e1nh c\u00e1c h\u00e0nh vi li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh v\u00ec c\u1ea3m th\u1ea5y lo \u00e2u, x\u1ea5u h\u1ed5 ho\u1eb7c \u00e1p l\u1ef1c.D\u1ea5u hi\u1ec7u ph\u1ed5 bi\u1ebfn:<\/strong> Kh\u00f4ng ki\u1ec3m tra s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n, b\u1ecf qua ho\u00e1 \u0111\u01a1n, kh\u00f4ng d\u00e1m l\u00ean ng\u00e2n s\u00e1ch, tr\u00ec ho\u00e3n \u0111\u1ea7u t\u01b0 ho\u1eb7c s\u1ee3 n\u00f3i v\u1ec1 ti\u1ec1n v\u1edbi b\u1ea1n \u0111\u1eddi.<\/p>\n

Theo nh\u00e0 tr\u1ecb li\u1ec7u t\u00e0i ch\u00ednh Amanda Clayman<\/strong>, ng\u01b0\u1eddi m\u1eafc ch\u1ee9ng n\u00e0y th\u01b0\u1eddng c\u00f3 ni\u1ec1m tin sai l\u1ec7ch nh\u01b0:<\/p>\n

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\u201cTi\u1ec1n l\u00e0 x\u1ea5u xa\u201d \u2013 \u201cT\u00f4i kh\u00f4ng gi\u1ecfi ti\u1ec1n b\u1ea1c\u201d \u2013 \u201cNgh\u0129 t\u1edbi ti\u1ec1n l\u00e0 th\u1ea5y stress\u201d.<\/p>\n<\/blockquote>\n

H\u1eadu qu\u1ea3 l\u00e0 h\u1ecd th\u01b0\u1eddng r\u01a1i v\u00e0o v\u00f2ng xo\u00e1y ti\u00eau c\u1ef1c<\/strong>: c\u00e0ng tr\u00e1nh th\u00ec c\u00e0ng lo \u2013 c\u00e0ng lo th\u00ec c\u00e0ng kh\u00f4ng d\u00e1m \u0111\u1ed1i di\u1ec7n.<\/p>\n

\"\"<\/p>\n

Ba l\u00fd do ph\u1ed5 bi\u1ebfn khi\u1ebfn b\u1ea1n ng\u1ea1i qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c<\/strong><\/h3>\n

1. Ti\u1ec1n = c\u0103ng th\u1eb3ng = n\u00e9 tr\u00e1nh<\/strong><\/h4>\n

CNBC<\/em> t\u1eebng kh\u1ea3o s\u00e1t: h\u01a1n 73% ng\u01b0\u1eddi M\u1ef9<\/strong> c\u1ea3m th\u1ea5y lo \u00e2u<\/strong> khi ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u2013 con s\u1ed1 n\u00e0y t\u01b0\u01a1ng \u0111\u1ed3ng t\u1ea1i nhi\u1ec1u qu\u1ed1c gia \u0111ang ph\u00e1t tri\u1ec3n, trong \u0111\u00f3 c\u00f3 Vi\u1ec7t Nam.<\/p>\n

\u0110\u00e2y l\u00e0 bi\u1ec3u hi\u1ec7n c\u1ee7a ph\u1ea3n \u1ee9ng chi\u1ebfn hay ch\u1ea1y (fight or flight)<\/strong>: khi th\u1ea5y s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n t\u1ee5t nhanh, ta ch\u1ecdn \u201cb\u1ecf ch\u1ea1y\u201d \u2013 d\u1eebng ki\u1ec3m tra app ng\u00e2n h\u00e0ng, ng\u1eebng l\u00ean ng\u00e2n s\u00e1ch, v\u00e0… ti\u1ebfp t\u1ee5c ti\u00eau.<\/p>\n

2. T\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh \u1ea3m \u0111\u1ea1m<\/strong><\/h4>\n

Sau \u0111\u1ea1i d\u1ecbch l\u00e0 l\u1ea1m ph\u00e1t, th\u1ea5t nghi\u1ec7p, \u201cm\u00f9a \u0111\u00f4ng ti\u1ec1n s\u1ed1\u201d\u2026 khi\u1ebfn ni\u1ec1m tin v\u00e0o qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh lung lay. Theo Harvard Business Review<\/em>, giai \u0111o\u1ea1n stress k\u00e9o d\u00e0i khi\u1ebfn n\u00e3o b\u1ed9 \u201cl\u01b0\u1eddi\u201d x\u1eed l\u00fd c\u00e1c quy\u1ebft \u0111\u1ecbnh d\u00e0i h\u1ea1n nh\u01b0 l\u00ean k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.<\/p>\n

3. C\u1ea3m gi\u00e1c x\u1ea5u h\u1ed5 v\u00e0 so s\u00e1nh<\/strong><\/h4>\n

B\u1ea1n th\u1ea5y b\u1ea1n b\u00e8 mua nh\u00e0, \u0111\u1ea7u t\u01b0, \u0111i du h\u1ecdc\u2026 trong khi m\u00ecnh v\u1eabn loay hoay v\u1edbi n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng?
T\u1ef1 ti \u2013 x\u1ea5u h\u1ed5 \u2013 v\u00e0 sau \u0111\u00f3 l\u00e0 n\u00e9 tr\u00e1nh.<\/p>\n

T\u00e2m l\u00fd h\u1ecdc t\u00e0i ch\u00ednh g\u1ecdi \u0111\u00e2y l\u00e0 financial shame<\/strong> \u2013 c\u1ea3m gi\u00e1c t\u1ef1 tr\u00e1ch v\u00e0 d\u1eb1n v\u1eb7t v\u00ec cho r\u1eb1ng m\u00ecnh \u201ck\u00e9m c\u1ecfi v\u1ec1 ti\u1ec1n b\u1ea1c\u201d. \u0110i\u1ec1u n\u00e0y khi\u1ebfn b\u1ea1n kh\u00f4ng d\u00e1m h\u00e0nh \u0111\u1ed9ng.<\/p>\n

\"\"<\/p>\n

L\u00e0m sao \u0111\u1ec3 tho\u00e1t kh\u1ecfi n\u1ed7i lo ti\u1ec1n b\u1ea1c \u201ckinh ni\u00ean\u201d?<\/strong><\/h3>\n

B\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng b\u01b0\u1edbc nh\u1ecf (micro-actions)<\/strong><\/h4>\n

B\u1ea1n kh\u00f4ng c\u1ea7n m\u1ed9t b\u1ea3n k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh ho\u00e0nh tr\u00e1ng ngay l\u1eadp t\u1ee9c. Thay v\u00e0o \u0111\u00f3, h\u00e3y th\u1eed:<\/p>\n

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  • \n

    M\u1ed7i tu\u1ea7n xem l\u1ea1i chi ti\u00eau 1 l\u1ea7n, kh\u00f4ng ph\u00e1n x\u00e9t<\/p>\n<\/li>\n

  • \n

    Ghi ch\u00fa nh\u1eefng kho\u1ea3n chi \u0111\u01a1n gi\u1ea3n nh\u1ea5t (\u0103n u\u1ed1ng, x\u0103ng xe\u2026)<\/p>\n<\/li>\n

  • \n

    \u0110\u1eb7t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh ng\u1eafn h\u1ea1n: ti\u1ebft ki\u1ec7m 500k\/tu\u1ea7n<\/p>\n<\/li>\n<\/ul>\n

    \u0110\u00e2y l\u00e0 m\u1ed9t d\u1ea1ng \u201cli\u1ec7u ph\u00e1p ti\u1ebfp x\u00fac\u201d<\/strong> (exposure therapy) cho t\u00e2m l\u00fd t\u00e0i ch\u00ednh \u2013 gi\u00fap b\u1ea1n t\u1eeb t\u1eeb l\u00e0m quen thay v\u00ec c\u1ea3m th\u1ea5y cho\u00e1ng ng\u1ee3p.<\/p>\n

    Thay \u0111\u1ed5i c\u00e1ch n\u00f3i chuy\u1ec7n v\u1edbi b\u1ea3n th\u00e2n v\u1ec1 ti\u1ec1n<\/strong><\/h4>\n

    Thay v\u00ec: \u201cM\u00ecnh ti\u00eau hoang qu\u00e1, c\u00f2n \u0111\u00fang 2 tri\u1ec7u s\u1ed1ng n\u1ed1t th\u00e1ng\u201d
    H\u00e3y th\u1eed: \u201cTh\u00e1ng n\u00e0y m\u00ecnh \u0111\u00e3 \u0111\u1ea7u t\u01b0 1 kh\u00f3a h\u1ecdc, v\u00e0 c\u00f2n 2 tri\u1ec7u \u0111\u1ec3 chi ti\u00eau h\u1ee3p l\u00fd.\u201d<\/p>\n

    C\u00e1ch b\u1ea1n n\u00f3i chuy\u1ec7n v\u1edbi ch\u00ednh m\u00ecnh v\u1ec1 ti\u1ec1n<\/strong> s\u1ebd h\u00ecnh th\u00e0nh m\u1ed9t h\u1ec7 t\u01b0 duy m\u1edbi \u2013 t\u00edch c\u1ef1c h\u01a1n, \u00edt m\u1eb7c c\u1ea3m h\u01a1n v\u00e0 ch\u1ee7 \u0111\u1ed9ng h\u01a1n.<\/p>\n

    Gi\u1edbi h\u1ea1n th\u1eddi gian lo l\u1eafng t\u00e0i ch\u00ednh<\/strong><\/h4>\n

    M\u1ed9t s\u1ed1 chuy\u00ean gia g\u1ee3i \u00fd ch\u1ec9 n\u00ean d\u00e0nh 10-15 ph\u00fat m\u1ed7i ng\u00e0y<\/strong> \u0111\u1ec3 ki\u1ec3m tra t\u00e0i kho\u1ea3n, ghi ch\u00fa v\u00e0 \u0111\u00e1nh gi\u00e1 l\u1ea1i k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. C\u00f2n l\u1ea1i? S\u1ed1ng ti\u1ebfp, l\u00e0m vi\u1ec7c ti\u1ebfp.<\/strong><\/p>\n

    T\u00e2m tr\u00ed b\u1ea1n kh\u00f4ng sinh ra \u0111\u1ec3 su\u1ed1t ng\u00e0y lo \u201ccu\u1ed1i th\u00e1ng c\u00f2n bao nhi\u00eau ti\u1ec1n\u201d.<\/p>\n

    \"\"<\/p>\n

    T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n kh\u00f4ng ph\u1ea3i \u0111\u1ec3 tr\u1edf th\u00e0nh tri\u1ec7u ph\u00fa \u2013 m\u00e0 \u0111\u1ec3 b\u1ea1n s\u1ed1ng t\u1ef1 do h\u01a1n<\/strong><\/h3>\n

    Theo m\u1ed9t b\u00e0i vi\u1ebft tr\u00ean The Wall Street Journal<\/strong>, ng\u01b0\u1eddi bi\u1ebft qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i gi\u00e0u \u2013 nh\u01b0ng lu\u00f4n c\u00f3 c\u1ea3m gi\u00e1c ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c cu\u1ed9c \u0111\u1eddi m\u00ecnh<\/strong>. \u0110i\u1ec1u \u0111\u00f3 \u0111\u1ebfn t\u1eeb vi\u1ec7c hi\u1ec3u m\u00ecnh \u0111ang \u1edf \u0111\u00e2u, \u0111ang chi ti\u00eau cho \u0111i\u1ec1u g\u00ec, v\u00e0 \u0111\u00e2u l\u00e0 \u01b0u ti\u00ean.<\/p>\n

    \n

    \ud83d\udca1 H\u00e3y nh\u1edb: \u201cQu\u1ea3n l\u00fd ti\u1ec1n l\u00e0 h\u00e0nh \u0111\u1ed9ng y\u00eau th\u01b0\u01a1ng b\u1ea3n th\u00e2n \u1edf phi\u00ean b\u1ea3n tr\u01b0\u1edfng th\u00e0nh.\u201d<\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"

    B\u1ea1n bi\u1ebft m\u00ecnh n\u00ean qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. \u1ee8ng d\u1ee5ng th\u00ec \u0111\u1ea7y r\u1eaby. L\u00fd thuy\u1ebft th\u00ec nghe ho\u00e0i. Nh\u01b0ng v\u1eabn\u2026 \u0111\u1ec3 \u0111\u00f3. T\u1ea1i sao? \u0110\u1ea1i d\u1ecbch COVID-19, l\u1ea1m ph\u00e1t, bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng\u2026 t\u1ea5t c\u1ea3 \u0111\u00e3 \u0111\u1ea9y nhi\u1ec1u ng\u01b0\u1eddi v\u00e0o t\u00ecnh tr\u1ea1ng c\u0103ng th\u1eb3ng t\u00e0i ch\u00ednh ch\u01b0a t\u1eebng c\u00f3. Nh\u01b0ng \u0111i\u1ec1u \u0111\u00e1ng ng\u1ea1c nhi\u00ean l\u00e0 […]<\/p>","protected":false},"author":1,"featured_media":3702,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-3672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc"],"_links":{"self":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts\/3672","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/comments?post=3672"}],"version-history":[{"count":3,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts\/3672\/revisions"}],"predecessor-version":[{"id":3703,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/posts\/3672\/revisions\/3703"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/media\/3702"}],"wp:attachment":[{"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/media?parent=3672"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/categories?post=3672"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/htp.org.vn\/en\/wp-json\/wp\/v2\/tags?post=3672"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}