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Theo dõi tài chính năm 2011 Mục tiêu tỷ lệ % tiết kiệm của tôi là Chú ý: ở các dòng màu vàng, copy công thức ở ô bên cạnh để bảng tính Tháng T1 T2 Tổng thu nhập thực tế 0 0 Số tiền bỏ ra tiết kiệm ( lọ 4) 0 0 Thực tế chi tiêu ( lọ 1+2+3) 400,000 0 Còn (400,000) 0 % tỷ lệ tiết kiệm/ thu nhập #DIV/0! Thu nhập dự kiến ( định mức phần thu n 0 0 Tỷ lệ đạt ( thực tế so với dự kiến) #DIV/0! Chi tiêu dự kiến ( định mức chi lọ 1+2 7,900,000 0 Tỷ lệ đạt ( thực tế so với dự kiến) 5% Bảng đánh giá sức khỏe tài chính Bạn đã đạt được Giá trị ròng của bạn hiện tại là 0 Tài khoản thanh (1)+(2)+(3)+(4)-(5) Trung bình chi Thu nhập chủ động (1) 0 Tương đương số Lương ( 1 tháng ) Cấp độ tài chín Theo Adam Khoo, Thu nhập thụ động (2) 0 Tiền cho thuê BĐS Cấp độ 1: Bản quyền * Tài khoản tha * Có bảo hiểm n Để đảm bảo bạn mấ để tìm thu nhập mới Tài sản thanh khoản (3) 0 Tiền mặt Tiền gửi ngân hàng Cấp độ 2: Vàng Thu nhập thụ độ Ngoại tệ Cấp độ 3: Xin xem cuốn Ta Tài sản khác (4) 0 BĐS Xe cộ Cấp độ 4: Bảo hiểm nhân thọ Xin xem cuốn Ta Nợ (5) 0 Nợ ngân hàng

Bang Quan Ly Tai Chinh Va Chi Tieu Danh Cho Gia Dinh Nho

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Bang quan ly tai chinh va chi tieu

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SocaiT1Bng k chi tiu gia nhThng:1NgyKhon chiMS tinKhonMThu nhpLng v1n1Lng chng1n2Pht sinh thm ca v1n3Pht sinh thm ca chng1n4Thu nhp khc1n5Tn thng trc1n6Tng chi tiuL 1 - Duy tr cuc sng50%Thc phm n ung, go1a1Gas, in, nc1a2Phone, internet1a3Tiu vt gia nh1a4Khc1a5L 2 - Ti u t cuc sng15%Hc ph ca con1b1Sch, kho hc nng cao nghip v1b2Khm cha bnh1b3L 3 - Nng cp cuc sng8%Du lch, i chi1c1Thi trang, lm p1c2L 4 - Nng cao i sng tinh thn7%Hiu h, thm hi1d1L 5 - Tit kim tiu dng lu di10%1g1L 6- Ch ng ti chnh tng lai10%Vng1f1

Candoi T1Bng tnh li tit kimS tin10,000,000nhp s voLi sut nm14%nhp s vok hn ( s thng)1.0nhp s voli 1 thng116,667li nhn khi o hn10,116,667Bng tnh vng ( tnh xui)S tin c33,050,000nhp s voGi vng/ ch3,305,000nhp s voS ch vng thu c l10.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn muanhp s voTng ng s tin VN0.0S tin cn tn0VNKhonMThc tCn inh mc chiPhn tnh ton ra c nh mc chi hp lThu nhp010,000,00010,000,000S tin tng ng %Chnh lch so vi nh mc chiLng v1n105,000,0005,000,000Lng chng1n205,000,0005,000,000Pht sinh thm ca v1n3000Pht sinh thm ca chng1n4000Thu nhp khc1n5000Tn thng trc1n6000Xem kt qu tnh ton y!Tng chi tiu09,500,0009,800,00010,000,000200,000t rit riL 1 - Duy tr cuc sng50%03,500,0003,800,0005,000,0001,200,000Cha t, lm li iThc phm n ung, go1a101,800,0001,800,000Gas, in, nc1a20200,000200,000Phone, internet1a30300,000300,000Tiu vt gia nh1a401,200,0001,200,000Khc1a5300,000L 2 - Ti u t cuc sng15%01,500,0001,500,0001,500,0000Hc ph ca con1b101,000,0001,000,000Sch, kho hc nng cao nghip v1b200Khm cha bnh1b30500,000500,000L 3 - Nng cp cuc sng8%01,100,0001,100,000800,000(300,000)Du lch, i chi1c10300,000300,000Thi trang, lm p1c20800,000800,000L 4 - Nng cao i sng tinh thn7%01,000,0001,000,000700,000(300,000)Hiu h, thm hi1d101,000,0001,000,000L 5 - Tit kim tiu dng lu di10%01,200,0001,200,0001,000,000(200,000)1g101,200,0001,200,000L 6- Ch ng ti chnh tng lai10%01,200,0001,200,0001,000,000(200,000)Vng1f101,200,0001,200,000Ngoi t1f200Tit kim VN1f3000.00%

SocaiT2Bng k chi tiu gia nhThng:2NgyKhon chiMS tinKhonMThu nhpLng v2n1Lng chng2n2Pht sinh thm ca v2n3Pht sinh thm ca chng2n4Thu nhp khc2n5Tn thng trc2n6Tng chi tiuL 1 - Duy tr cuc sng50%Thc phm n ung, go2a1Gas, in, nc2a2Phone, internet2a3Tiu vt gia nh2a4Khc2a5L 2 - Ti u t cuc sng15%Hc ph ca con2b1Sch, kho hc nng cao nghip v2b2Khm cha bnh2b3L 3 - Nng cp cuc sng8%Du lch, i chi2c1Thi trang, lm p2c2L 4 - Nng cao i sng tinh thn7%Hiu h, thm hi2d1L 5 - Tit kim tiu dng lu di10%2g1L 6- Ch ng ti chnh tng lai10%Vng2f1

Candoi T2Bng tnh li tit kimS tin10,000,000nhp s voLi sut nm14%nhp s vok hn ( s thng)1.0nhp s voli 1 thng116,667li nhn khi o hn10,116,667Bng tnh vng ( tnh xui)S tin c33,050,000nhp s voGi vng/ ch3,305,000nhp s voS ch vng thu c l10.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn muanhp s voTng ng s tin VN0.0S tin cn tn0VNKhonMThc tCn inh mc chiPhn tnh ton ra c nh mc chi hp lThu nhp010,000,00010,000,000S tin tng ng %Chnh lch so vi nh mc chiLng v2n105,000,0005,000,000Lng chng2n205,000,0005,000,000Pht sinh thm ca v2n3000Pht sinh thm ca chng2n4000Thu nhp khc2n5000Tn thng trc2n6000Xem kt qu tnh ton y!Tng chi tiu09,500,0009,800,00010,000,000200,000t rit riL 1 - Duy tr cuc sng50%03,500,0003,800,0005,000,0001,200,000Cha t, lm li iThc phm n ung, go2a101,800,0001,800,000Gas, in, nc2a20200,000200,000Phone, internet2a30300,000300,000Tiu vt gia nh2a401,200,0001,200,000Khc2a50300,000L 2 - Ti u t cuc sng15%01,500,0001,500,0001,500,0000Hc ph ca con2b101,000,0001,000,000Sch, kho hc nng cao nghip v2b200Khm cha bnh2b30500,000500,000L 3 - Nng cp cuc sng8%01,100,0001,100,000800,000(300,000)Du lch, i chi2c10300,000300,000Thi trang, lm p2c20800,000800,000L 4 - Nng cao i sng tinh thn7%01,000,0001,000,000700,000(300,000)Hiu h, thm hi2d101,000,0001,000,000L 5 - Tit kim tiu dng lu di10%01,200,0001,200,0001,000,000(200,000)2g101,200,0001,200,000L 6- Ch ng ti chnh tng lai10%01,200,0001,200,0001,000,000(200,000)Vng2f101,200,0001,200,000Ngoi t1f200Tit kim VN1f3000.00%

SocaiT3Bng k chi tiu gia nhThng:3NgyKhon chiMS tinKhonMThu nhpLng v3n1Lng chng3n2Pht sinh thm ca v3n3Pht sinh thm ca chng3n4Thu nhp khc3n5Tn thng trc3n6Tng chi tiuL 1 - Duy tr cuc sng50%Thc phm n ung, go3a1Gas, in, nc3a2Phone, internet3a3Tiu vt gia nh3a4Khc3a5L 2 - Ti u t cuc sng15%Hc ph ca con3b1Sch, kho hc nng cao nghip v3b2Khm cha bnh3b3L 3 - Nng cp cuc sng8%Du lch, i chi3c1Thi trang, lm p3c2L 4 - Nng cao i sng tinh thn7%Hiu h, thm hi3d1L 5 - Tit kim tiu dng lu di10%3g1L 6- Ch ng ti chnh tng lai10%Vng3f1

Candoi T3Bng tnh li tit kimS tin10,000,000nhp s voLi sut nm14%nhp s vok hn ( s thng)1.0nhp s voli 1 thng116,667li nhn khi o hn10,116,667Bng tnh vng ( tnh xui)S tin c33,050,000nhp s voGi vng/ ch3,305,000nhp s voS ch vng thu c l10.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn muanhp s voTng ng s tin VN0.0S tin cn tn0VNKhonMThc tCn inh mc chiPhn tnh ton ra c nh mc chi hp lThu nhp010,000,00010,000,000S tin tng ng %Chnh lch so vi nh mc chiLng v3n105,000,0005,000,000Lng chng3n205,000,0005,000,000Pht sinh thm ca v3n3000Pht sinh thm ca chng3n4000Thu nhp khc3n5000Tn thng trc3n6000Xem kt qu tnh ton y!Tng chi tiu09,500,0009,800,00010,000,000200,000t rit riL 1 - Duy tr cuc sng50%03,500,0003,800,0005,000,0001,200,000Cha t, lm li iThc phm n ung, go3a101,800,0001,800,000Gas, in, nc3a20200,000200,000Phone, internet3a30300,000300,000Tiu vt gia nh3a401,200,0001,200,000Khc3a50300,000L 2 - Ti u t cuc sng15%01,500,0001,500,0001,500,0000Hc ph ca con3b101,000,0001,000,000Sch, kho hc nng cao nghip v3b200Khm cha bnh3b30500,000500,000L 3 - Nng cp cuc sng8%01,100,0001,100,000800,000(300,000)Du lch, i chi3c10300,000300,000Thi trang, lm p3c20800,000800,000L 4 - Nng cao i sng tinh thn7%01,000,0001,000,000700,000(300,000)Hiu h, thm hi3d101,000,0001,000,000L 5 - Tit kim tiu dng lu di10%01,200,0001,200,0001,000,000(200,000)3g101,200,0001,200,000L 6- Ch ng ti chnh tng lai10%01,200,0001,200,0001,000,000(200,000)Vng3f101,200,0001,200,000Ngoi t1f200Tit kim VN1f3000.00%

Tai chinh nam 2011Theo di ti chnh nm 2011Mc tiu t l % tit kim ca ti l40%( nhp s vo)Ch : cc dng mu vng, copy cng thc bn cnh bng tnh t ng. Bng ny t ng link vi d liu tng thng nn khng c nhp tay m mt link.ThngT1T2T3T4T5T6T7T8T9T10T11T12TngTng thu nhp thc t0000000000000S tin b ra tit kim ( l 4)0000000000000Thc t chi tiu ( l 1+2+3)400,000002,345,000000000002,745,000Cn(400,000)00(2,345,000)00000000(2,745,000)% t l tit kim/ thu nhp0%0%Thu nhp d kin ( nh mc phn thu nhp)00011,500,0000000000011,500,000T l t ( thc t so vi d kin)0%0%Chi tiu d kin ( nh mc chi l 1+2+3)7,900,000000000000007,900,000T l t ( thc t so vi d kin)5%35%Bng nh gi sc khe ti chnhBn t c cp 1 cha?Gi tr rng ca bn hin ti l0Ti khon thanh khon - n0(1)+(2)+(3)+(4)-(5)Trung bnh chi tiu 1 thng ca bn( nhp vo)Thu nhp ch ng (1)0Tng ng s thng0.0Lng ( 1 thng )Cp ti chnh ca bn0Theo Adam Khoo, c 4 cp ti chnhThu nhp th ng (2)0Tin cho thu BSCp 1:Vng vng ti chnhNguy himBn quyn* Ti khon thanh khon m bo cho t nht l 6 thng chi tiu bnh thng* C bo him nhn th, bo him y t m bo bn mt ngun thu nhp th vn c th tr qua thi gian nguy him tm thu nhp miTi sn thanh khon (3)0Tin mtTin gi ngn hngCp 2:An ton ti chnhVngThu nhp th ng m bo duy tr cuc sng hin tiNgoi tCp 3:T do ti chnhXin xem cun Tay trng lm nn triu ph ca Adam KhooTi sn khc (4)0BSXe cCp 4:D d ti chnhBo him nhn thXin xem cun Tay trng lm nn triu ph ca Adam KhooN (5)0N ngn hngChi ph cho ti sn hao mn ( khi gi li TSHM)

Van_KaTa:V l 3 c tnh l qu tiu dng ( chi tiu trong tng lai) v qu khn cp nn khng c coi l tit kim rng

Quan ly tai khoan tiet kiemXin lu :1. Cc bn ty chnh sa hng mc cho ph hp vi hon cnh c th ca bn thnTheo di s tit kim VN ( tr gi gp)2. Tnh nng tnh li t ng thit lp trn k hn thng, nu khc th xin t t li cng thc3. Ni dung ghi sn trong bng ch c tnh cht nu v dNgy giNgy o hnK hn ( thng)s tinLi sutngn hngHnh thcT gi/ n giLiTnh trng14/3/201214/4/2012110,000,00013%online1108,333 tt tonTheo di s tit kim ngoi t ( tr gi gp)Ngy giNgy o hnK hn ( thng)s tinLi sutngn hngHnh thcT gi/ n giLi (VN)Tnh trng24/3/201224/4/201221,0001.99%TK d thng2082069,053ang giao dchTheo di s tit kim vngNgy giNgy o hnK hn ( thng)s ch vngLi sutngn hngHnh thcT gi/ n giLi (VN)Tnh trng20/4/201220/6/20122104.00%gi h4,200,000280,000ang giao dch

Thang 1Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Xa s lm mu, t mnh ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri,nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn(400,000)VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chi1/1/2011bnh ga mia1400,000Lng vn100Lng chngn200Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu400,0009,500,0009,900,0000(9,900,000)L 1 - Chi tiu c nh45%400,0004,200,0004,600,0000(4,600,000)Gasa1400,00050,000450,000Go ( thng + nu cho)a20250,000250,000ina30350,000350,000Nca40100,000100,000in thoia50200,000200,000Interneta60100,000100,000Thc phm, mm mui, du na701,750,0001,750,000Ha m phma80200,000200,000Hc ph, sch v, chia90500,000500,000Xng xe, n snga100700,000700,000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%01,800,0001,800,0000(1,800,000)Sc kheb10500,000500,000Hiu hb20800,000800,000n chi, lm pb30500,000500,000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%01,500,0001,500,0000(1,500,000)Thu vo quc101,500,0001,500,00000L 4 - Bo him, tit kim20%02,000,0002,000,0000(2,000,000)Thu vo qud102,000,0002,000,00000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 2Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 3Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 4Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn(2,345,000)VNt riCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp011,500,00011,500,000S tin tng ng %Chnh lch so vi M chi7/4/2015Ung nc vi anh em cng tyb345,000Lng vn10007/4/2015a m 2 triua22,000,000Lng chngn2011,500,00011,500,0007/4/2015Tr tin n cam 503Ga11300,000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu2,345,000(2,345,000)011,500,00011,500,000L 1 - Chi tiu c nh35%2,300,000(2,300,000)04,025,0004,025,000Gasa1000Go ( thng + nu cho)a22,000,000(2,000,000)0ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a11300,000(300,000)L 2 - Chi tiu pht sinh10%45,000(45,000)01,150,0001,150,000Sc kheb1000Hiu hb2000n chi, lm pb345,000(45,000)0Tr n ( pht sinh)b40000L 3 -Tiu dng lu di, qu khn cp15%0001,725,0001,725,000Thu vo quc100000L 4 - Bo him, tit kim40%0004,600,0004,600,000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 5Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 6Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 7Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 8Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 9Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 10Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 11Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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Thang 12Nguyn tc:Bng tnh li tit kim1. Nghim tc v kin nh thc hin theo k hoch raS tinnhp s voLi sut nmnhp s vo2. Khon no d th thc hin theo trnh t u tin nh sauk hn ( s thng)nhp s vop vo khon thm ht trong l li 1 thng0B vo qu tiu dngli nhn khi o hn0Bng tnh vng ( tnh xui)3. L 3 ( qu tiu dng) kim qu khn cp nn s nh tin s dngS tin cnhp s voGi vng/ chnhp s vo4. L 4 ( qu tit kim, bo him) s gi ngn hng hoc..S ch vng thu c l0.0Bng tnh vng ( tnh ngc)Gi vng/ chnhp s voS ch vng cn mua2nhp s voTng ng s tin VN0Hng dn s dng:1. Ln k hoch chi tiu bng qun l cho n khi kt qu tnh ton hin ra ch t ri, nhp s liu chi tiu vo bng nhp ( s ci k bn) cp nht v qun l tnh hnh chi tiu2. c k hng dn s dng ( download ti a ch sau)http://www.4shared.com/account/dir/NfVcGocO/_online.html#dir=495881413. Tin b vo qu tit kim ly t thu nhp nn trong bng ny tm tnh trong tng chi tiu v c qun l ring bng bng ph bn diBng qun l chi tiu hng thngXem kt qu tnh ton y!t riBng nhp s liu v chi tiu hng ngy ( S ci)S tin cn tn0VNCha t, lm li iCha t, lm li iKhonMThc tCn inh mcPhn tnh ton ra c nh mc chi hp lNgyKhon chiMS tinThu nhp000S tin tng ng %Chnh lch so vi M chiLng vn1000Lng chngn2000Pht sinh thm ca vn3000Pht sinh thm ca chngn4000Thu nhp khcn5000Tn thng trcn6000Tng chi tiu00000L 1 - Chi tiu c nh45%00000Gasa1000Go ( thng + nu cho)a2000ina3000Nca4000in thoia5000Interneta6000Thc phm, mm mui, du na7000Ha m phma8000Hc ph, sch v, chia9000Xng xe, n snga10000Tr n ( tr gp)a1100L 2 - Chi tiu pht sinh20%00000Sc kheb1000Hiu hb2000n chi, lm pb3000Tr n ( pht sinh)b4000L 3 -Tiu dng lu di, qu khn cp15%00000Thu vo quc100000L 4 - Bo him, tit kim20%00000Thu vo qud100000.00%Theo di Qu tiu dng kim qu khn cpNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000Theo di Qu tit kim, bo himNhp voXut raTnCh thch0D kin chi ( xp theo trnh t u tin)0000000000

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