{"id":536,"date":"2019-05-11T16:06:30","date_gmt":"2019-05-11T13:06:30","guid":{"rendered":"https:\/\/favorite-news.com\/vi\/khi-tien-mat-tro-thanh-thu-vo-hinh-phu-huynh-se-day-tre-cach-quan-ly-chi-tieu-nhu-the-nao\/"},"modified":"2019-05-11T16:06:31","modified_gmt":"2019-05-11T13:06:31","slug":"khi-tien-mat-tro-thanh-thu-vo-hinh-phu-huynh-se-day-tre-cach-quan-ly-chi-tieu-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/favorite-news.com\/vi\/khi-tien-mat-tro-thanh-thu-vo-hinh-phu-huynh-se-day-tre-cach-quan-ly-chi-tieu-nhu-the-nao\/","title":{"rendered":"Khi ti\u1ec1n m\u1eb7t tr\u1edf th\u00e0nh th\u1ee9 v\u00f4 h\u00ecnh, ph\u1ee5 huynh s\u1ebd d\u1ea1y tr\u1ebb c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"

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N\u0103m 2009, m\u1ed9t nh\u00f3m ph\u1ee5 huynh s\u1ed1ng t\u1ea1i Lymington, m\u1ed9t th\u1ecb tr\u1ea5n ven bi\u1ec3n n\u01b0\u1edbc Anh, chia s\u1ebb r\u1eb1ng h\u1ecd c\u1ea3m th\u1ea5y lo l\u1eafng v\u1ec1 k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u1ee7a con c\u00e1i. Gi\u1edd \u0111\u00e2y, ti\u1ec1n ti\u00eau v\u1eb7t l\u1ea1i \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef trong m\u1ed9t \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c (building society), ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ch\u00fa heo \u0111\u1ea5t nh\u01b0 tr\u01b0\u1edbc. C\u00e1c gia \u0111\u00ecnh h\u1ea7u h\u1ebft \u0111\u1ec1u mua s\u1eafm qua m\u1ea1ng, t\u1eeb \u0111\u00f3 th\u1ebf h\u1ec7 tr\u1ebb l\u1ea1i hi\u1ebfm khi th\u1ea5y cha m\u1eb9 s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t. B\u1edfi v\u1eady, th\u1ebf h\u1ec7 n\u00e0y c\u0169ng chi ti\u00eau qua c\u00e1c d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn. Ti\u1ec1n m\u1eb7t \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t th\u1ee9 v\u00f4 h\u00ecnh. V\u1eady, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tr\u1ebb em h\u1ecdc \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n b\u1ea1c?<\/p>\n

C\u00e2u tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c \u0111\u01b0a ra l\u00e0 GoHenry, m\u1ed9t \u1ee9ng d\u1ee5ng \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u1edf Anh v\u00e0 M\u1ef9. \u1ee8ng d\u1ee5ng n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1edbi m\u1ee5c \u0111\u00edch gi\u00fap tr\u1ebb h\u1ecdc th\u00f3i quen t\u00e0i ch\u00ednh h\u1ee3p l\u00fd t\u1eeb s\u1edbm, th\u00f4ng qua vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c trong th\u1ebf gi\u1edbi th\u1ef1c. Ph\u1ee5 huynh \u0111\u0103ng k\u00fd b\u1eb1ng ch\u00ednh t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a m\u00ecnh v\u00e0 tr\u1ea3 ph\u00ed h\u00e0ng th\u00e1ng l\u00e0 2,99 b\u1ea3ng hay 3,99 USD cho m\u1ed7i tr\u1ebb kho\u1ea3ng 6 tu\u1ed5i. Ph\u1ee5 huynh v\u00e0 c\u00e1c b\u00e9 ph\u1ea3i t\u1ea3i c\u00e1c phi\u00ean b\u1ea3n kh\u00e1c nhau. T\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m ngo\u00e1i, \u1ee9ng d\u1ee5ng n\u00e0y \u0111\u00e3 c\u00f3 379 ngh\u00ecn t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c b\u00e9 ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

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\u1ee8ng d\u1ee5ng GoHenry \u0111\u01b0\u1ee3c c\u00e1c b\u1eadc ph\u1ee5 huynh r\u1ea5t \u01b0a chu\u1ed9ng.<\/p>\n<\/div>\n<\/div>\n

S\u1eed d\u1ee5ng GoHenry, ph\u1ee5 huynh c\u00f3 th\u1ec3 s\u1eafp x\u1ebfp l\u1ecbch cho con ti\u1ec1n ti\u00eau v\u1eb7t v\u00e0 l\u1ecbch l\u00e0m vi\u1ec7c nh\u00e0 c\u1ee7a con. Khi nh\u1eefng “nhi\u1ec7m v\u1ee5” \u0111\u00f3 ho\u00e0n th\u00e0nh, b\u00e9 s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 s\u1ed1 ti\u1ec1n nh\u01b0 \u0111\u00e3 tho\u1ea3 thu\u1eadn. Ph\u1ee5 huynh c\u00f3 th\u1ec3 theo d\u00f5i b\u00e9 \u0111\u00e3 ti\u00eau s\u1ed1 ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c \u1edf \u0111\u00e2u v\u00e0 cho th\u1ee9 g\u00ec. H\u01a1n n\u1eefa, h\u1ecd c\u00f2n c\u00f3 th\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c th\u1ebb c\u1ee7a m\u00ecnh \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u1edf \u0111\u00e2u, c\u00e1c c\u1eeda h\u00e0ng v\u1eadt l\u00fd, online hay c\u00e2y ATM.<\/p>\n

B\u00e9 s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t th\u1ebb ghi n\u1ee3 \u0111\u01b0\u1ee3c in t\u00ean ri\u00eang (Henry l\u00e0 b\u00e9 \u0111\u1ea7u ti\u00ean s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng n\u00e0y). Ph\u1ee5 huynh c\u00f3 th\u1ec3 chuy\u1ec3n ti\u1ec1n v\u00e0o “h\u0169” ti\u1ebft ki\u1ec7m, theo d\u00f5i s\u1ed1 ti\u1ec1n \u0111\u00e3 chi v\u00e0 s\u1ed1 d\u01b0, sau \u0111\u00f3 \u0111\u1eb7t ra m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m. Dean Brauer, nh\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a GoHenry, cho hay: “H\u1ecd c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh ti\u1ebft ki\u1ec7m 10 USD cho ti\u1ec7c sinh nh\u1eadt c\u1ee7a m\u1ed9t anh\/ch\u1ecb\/em trong 4 tu\u1ea7n t\u1edbi, ho\u1eb7c \u0111\u1eb7t m\u1ee5c ti\u00eau \u1edf m\u1ee9c 12 \u0111\u1ec3 b\u00e9 c\u00f3 2.000 USD khi 18 tu\u1ed5i v\u00e0 mua m\u1ed9t chi\u1ebfc \u00f4 t\u00f4. \u1ee8ng d\u1ee5ng s\u1ebd cho h\u1ecd bi\u1ebft h\u1ecd c\u1ea7n ti\u1ebft ki\u1ec7m bao nhi\u00eau m\u1ed7i tu\u1ea7n \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u1ec1 ra.”<\/p>\n

Brauer c\u00f2n so s\u00e1nh GoHenry v\u1edbi m\u1ed9t \u1ee9ng d\u1ee5ng t\u1eadp luy\u1ec7n, cho tr\u1ebb g\u1ee3i \u00fd v\u1ec1 ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 khuy\u1ebfn kh\u00edch c\u00e1c b\u00e9 chi ti\u00eau h\u1ee3p l\u00fd h\u01a1n, n\u00ean c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh d\u00e0nh cho ph\u1ee5 huynh v\u00e0 c\u00e1c con, nh\u1eefng c\u00e1i t\u00ean kh\u00e1c c\u0169ng kh\u00e1 ph\u1ed5 bi\u1ebfn \u0111\u00f3 l\u00e0 Osper, Nimbl v\u00e0 Pennybox. T\u1ea5t c\u1ea3 c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y \u0111\u1ec1u y\u00eau c\u1ea7u tr\u1ea3 ph\u00ed \u0111\u0103ng k\u00fd, b\u1edfi h\u1ecd kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng nh\u01b0 ng\u00e2n h\u00e0ng v\u00e0 kh\u00f4ng th\u1ec3 d\u00f9ng c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi \u0111\u1ec3 cho vay. Th\u1ebf nh\u01b0ng, h\u1ecd \u0111\u00e3 kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c nh\u1eefng h\u1ea1n ch\u1ebf c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng – n\u01a1i kh\u00f4ng cung c\u1ea5p d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng nh\u1ecf tu\u1ed5i ho\u1eb7c cung c\u1ea5p c\u00e1c t\u00e0i kho\u1ea3n gi\u00fap ph\u1ee5 huynh gi\u00e1m s\u00e1t th\u00f3i quen chi ti\u00eau c\u1ee7a c\u00e1c con.<\/p>\n

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\"Khi<\/div>\n
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M\u1ed7i th\u1ebb \u0111\u1ec1u \u0111\u01b0\u1ee3c in t\u00ean ri\u00eang c\u1ee7a c\u00e1c b\u00e9.<\/p>\n<\/div>\n<\/div>\n

M\u1ed9t \u0111i\u1ec3m c\u1ed9ng l\u1edbn h\u01a1n m\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y mang l\u1ea1i \u0111\u00f3 l\u00e0 h\u1ecd truy\u1ec1n c\u1ea3m h\u1ee9ng cho c\u00e1c gia \u0111\u00ecnh khi h\u1ecd tr\u00f2 chuy\u1ec7n v\u1ec1 v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh. Theo m\u1ed9t nghi\u00ean c\u1ee9u n\u0103m 2013 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c h\u1ecdc gi\u1ea3 t\u1ea1i \u0110\u1ea1i h\u1ecdc Cambridge, c\u00f3 t\u1edbi h\u01a1n 1 n\u1eeda ph\u1ee5 huynh tham gia kh\u1ea3o s\u00e1t \u0111\u1ec1u th\u1ea5y r\u1ea5t kh\u00f3 kh\u0103n khi n\u00f3i chuy\u1ec7n v\u1edbi con c\u00e1i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y. Tuy nhi\u00ean, h\u1ea7u h\u1ebft \u0111\u1ec1u \u0111\u1ed3ng t\u00ecnh r\u1eb1ng th\u00e1i \u0111\u1ed9 c\u1ee7a tr\u1ebb v\u1edbi ti\u1ec1n b\u1ea1c \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh t\u1eeb nh\u1eefng n\u0103m \u0111\u1ea7u \u0111\u1eddi.<\/p>\n

M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng c\u1ee7a GoHenry l\u00e0 nh\u1eefng gia \u0111\u00ecnh kh\u00e1 gi\u1ea3, h\u1ecd lo l\u1eafng r\u1eb1ng c\u00e1c con s\u1ebd l\u1edbn l\u00ean v\u1edbi th\u00f3i quen ti\u00eau x\u00e0i hoang ph\u00ed, Brauer cho hay. M\u1ed9t s\u1ed1 kh\u00e1c \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf k\u00e9m h\u01a1n ch\u00fat th\u00ec coi vi\u1ec7c \u0111\u0103ng k\u00fd \u1ee9ng d\u1ee5ng n\u00e0y l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai c\u1ee7a c\u00e1c con. M\u1ed9t s\u1ed1 \u00fd ki\u1ebfn cho bi\u1ebft h\u1ecd \u0111ang \u1edf trong t\u00ecnh tr\u1ea1ng n\u1ee3 n\u1ea7n v\u00e0 mu\u1ed1n tr\u1ebb tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng sai l\u1ea7m t\u01b0\u01a1ng t\u1ef1 khi tr\u01b0\u1edfng th\u00e0nh, s\u1ed1 kh\u00e1c ngh\u0129 r\u1eb1ng \u1ee9ng d\u1ee5ng n\u00e0y r\u1ea5t \u0111\u00e1ng ti\u1ec1n v\u00ec con h\u1ecd c\u00f3 th\u1ec3 h\u1ecdc \u0111\u01b0\u1ee3c c\u00e1ch chi ti\u00eau theo nh\u1eefng g\u00ec m\u00ecnh c\u00f3. D\u00f9 hi\u1ec7n t\u1ea1i, nhi\u1ec1u tr\u1ebb kh\u00f4ng c\u00f2n c\u1ea7m v\u00e0 n\u1eafm gi\u1eef ti\u1ec1n tr\u1ef1c ti\u1ebfp, th\u00ec c\u00e1c b\u1eadc ph\u1ee5 huynh v\u1eabn c\u00f3 th\u1ec3 d\u1ea1y ch\u00fang v\u1ec1 c\u00e1ch chi ti\u00eau h\u1ee3p l\u00fd v\u1edbi s\u1ef1 tr\u1ee3 gi\u00fap c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y.<\/p>\n<\/div>\n

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[ad_1] N\u0103m 2009, m\u1ed9t nh\u00f3m ph\u1ee5 huynh s\u1ed1ng t\u1ea1i Lymington, m\u1ed9t th\u1ecb tr\u1ea5n ven bi\u1ec3n n\u01b0\u1edbc Anh, chia s\u1ebb r\u1eb1ng h\u1ecd c\u1ea3m th\u1ea5y lo l\u1eafng v\u1ec1 k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u1ee7a con c\u00e1i. Gi\u1edd \u0111\u00e2y, ti\u1ec1n ti\u00eau v\u1eb7t l\u1ea1i \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef trong m\u1ed9t \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh cung c\u1ea5p d\u1ecbch v\u1ee5 […]<\/p>\n","protected":false},"author":2,"featured_media":537,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nKhi ti\u1ec1n m\u1eb7t tr\u1edf th\u00e0nh th\u1ee9 v\u00f4 h\u00ecnh, ph\u1ee5 huynh s\u1ebd d\u1ea1y tr\u1ebb c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau nh\u01b0 th\u1ebf n\u00e0o? - Favorite News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/favorite-news.com\/vi\/khi-tien-mat-tro-thanh-thu-vo-hinh-phu-huynh-se-day-tre-cach-quan-ly-chi-tieu-nhu-the-nao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Khi ti\u1ec1n m\u1eb7t tr\u1edf th\u00e0nh th\u1ee9 v\u00f4 h\u00ecnh, ph\u1ee5 huynh s\u1ebd d\u1ea1y tr\u1ebb c\u00e1ch qu\u1ea3n l\u00fd chi ti\u00eau nh\u01b0 th\u1ebf n\u00e0o? - Favorite News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] N\u0103m 2009, m\u1ed9t nh\u00f3m ph\u1ee5 huynh s\u1ed1ng t\u1ea1i Lymington, m\u1ed9t th\u1ecb tr\u1ea5n ven bi\u1ec3n n\u01b0\u1edbc Anh, chia s\u1ebb r\u1eb1ng h\u1ecd c\u1ea3m th\u1ea5y lo l\u1eafng v\u1ec1 k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u1ee7a con c\u00e1i. 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