Budget l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m quan tr\u1ecdng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. N\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh cho m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3. B\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng m\u1ed9t ng\u00e2n s\u00e1ch h\u1ee3p l\u00fd, ch\u00fang ta c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t chi ti\u00eau, t\u0103ng c\u01b0\u1eddng ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 \u1ed5n \u0111\u1ecbnh v\u1ec1 t\u00e0i ch\u00ednh. H\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u v\u1ec1 kh\u00e1i ni\u1ec7m “budget” v\u00e0 \u00fd ngh\u0129a c\u1ee7a n\u00f3 trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y!
\n1. Budget l\u00e0 g\u00ec?<\/p>\n
Budget l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ch\u1ec9 kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c d\u00e0nh ri\u00eang cho m\u1ee5c \u0111\u00edch c\u1ee5 th\u1ec3 ho\u1eb7c \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n, gia \u0111\u00ecnh, t\u1ed5 ch\u1ee9c ho\u1eb7c doanh nghi\u1ec7p. M\u1ed9t budget gi\u00fap ng\u01b0\u1eddi ta qu\u1ea3n l\u00fd v\u00e0 ki\u1ec3m so\u00e1t vi\u1ec7c chi ti\u00eau v\u00e0 thu nh\u1eadp c\u1ee7a m\u00ecnh trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. N\u00f3 th\u01b0\u1eddng bao g\u1ed3m c\u00e1c kho\u1ea3n thu nh\u1eadp d\u1ef1 ki\u1ebfn v\u00e0 c\u00e1c kho\u1ea3n chi ph\u00ed mong mu\u1ed1n trong m\u1ed9t kho\u1ea3ng th\u1eddi gian c\u1ee5 th\u1ec3.<\/p>\n
M\u1ee5c \u0111\u00edch c\u1ee7a budget l\u00e0 gi\u00fap ng\u01b0\u1eddi d\u00f9ng bi\u1ebft \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n h\u1ecd c\u00f3 s\u1eb5n v\u00e0 c\u1ea7n ph\u1ea3i chi ti\u00eau nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. \u0110\u00e2y l\u00e0 c\u00f4ng c\u1ee5 r\u1ea5t h\u1eefu \u00edch trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, gi\u00fap ng\u01b0\u1eddi d\u00f9ng tr\u00e1nh vi\u1ec7c ti\u00eau x\u00e0i v\u00f4 \u00fd ho\u1eb7c s\u1ed1ng v\u01b0\u1ee3t qua kh\u1ea3 n\u0103ng c\u1ee7a m\u00ecnh.<\/p>\n
2. V\u00ed d\u1ee5 v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng “budget” trong m\u1ed9t c\u00e2u.<\/p>\n
– I need to create a budget for my monthly expenses.
\n(T\u00f4i c\u1ea7n t\u1ea1o ra m\u1ed9t ng\u00e2n s\u00e1ch cho c\u00e1c chi ph\u00ed h\u00e0ng th\u00e1ng.)<\/p>\n
– Our company is on a tight budget this year, so we have to cut back on unnecessary expenses.
\n(C\u00f4ng ty ch\u00fang t\u00f4i \u0111ang r\u1ea5t h\u1ea1n ch\u1ebf ng\u00e2n s\u00e1ch trong n\u0103m nay, v\u00ec v\u1eady ch\u00fang t\u00f4i ph\u1ea3i c\u1eaft gi\u1ea3m c\u00e1c kho\u1ea3n chi kh\u00f4ng c\u1ea7n thi\u1ebft.)<\/p>\n
– It’s important to stick to your budget when shopping, so you don’t overspend.
\n(Quan tr\u1ecdng l\u00e0 tu\u00e2n th\u1ee7 ng\u00e2n s\u00e1ch c\u1ee7a b\u1ea1n khi mua s\u1eafm \u0111\u1ec3 b\u1ea1n kh\u00f4ng ti\u00eau x\u00e0i qu\u00e1 m\u1ee9c.)<\/p>\n
3. C\u00e1ch s\u1eed d\u1ee5ng “balance the budget” trong m\u1ed9t c\u00e2u.<\/p>\n
– The government is working hard to balance the budget and reduce the national debt.
\n(Ch\u00ednh ph\u1ee7 \u0111ang n\u1ed7 l\u1ef1c \u0111\u1ec3 c\u00e2n \u0111\u1ed1i ng\u00e2n s\u00e1ch v\u00e0 gi\u1ea3m n\u1ee3 c\u00f4ng.)<\/p>\n
– Our finance team is trying to find ways to balance the budget without cutting essential services.
\n(B\u1ed9 ph\u1eadn t\u00e0i ch\u00ednh c\u1ee7a ch\u00fang t\u00f4i \u0111ang c\u1ed1 g\u1eafng t\u00ecm c\u00e1ch \u0111\u1ec3 c\u00e2n b\u1eb1ng ng\u00e2n s\u00e1ch m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u1eaft gi\u1ea3m c\u00e1c d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu.)<\/p>\n
– It’s challenging for small businesses to balance the budget and still grow their operations.
\n(V\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf, vi\u1ec7c c\u00e2n b\u1eb1ng ng\u00e2n s\u00e1ch v\u00e0 v\u1eabn ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng l\u00e0 th\u00e1ch th\u1ee9c.)<\/p>\n
T\u00f3m l\u1ea1i, “budget l\u00e0 g\u00ec?” l\u00e0 thu\u1eadt ng\u1eef ch\u1ec9 ng\u00e2n s\u00e1ch ho\u1eb7c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n hay t\u1ed5 ch\u1ee9c. N\u00f3 gi\u00fap qu\u1ea3n l\u00fd v\u00e0 ki\u1ec3m so\u00e1t chi ti\u00eau, \u0111\u1ea3m b\u1ea3o s\u1ef1 c\u00e2n \u0111\u1ed1i trong vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh. Hi\u1ec3u r\u00f5 kh\u00e1i ni\u1ec7m n\u00e0y s\u1ebd h\u1ed7 tr\u1ee3 trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p.
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