Tầm quan trọng của tiết kiệm tài chính khi còn trè

«= TAM QUAN TRONG CUA TIET KIEMTAI CHINH KHICONTRE NGUVEN LE HATHANH NA, NGUVEN MINH H|£N liet Idem tai chinh mang Igi dio ngifdi tiet kiem sif an tdm, cd duac cdc guyet dinh vd lUa chgn dnh hudng tich afc den chat lifgng cupc song Tuy nhien, rat nhieu ngifcfi lao dgng, dgc biet Id cdc ban tre, chifa y thdcdifcfc tam quan trgng cua tiet Idem tdi chinh cung nhif thieu nhiing tri thdc vd Icy ndng cdn thiit de thifc hien ti&klem Do vdy, hg khdng can bdng hgp ly gida tiet kiem vd tieu dung, aiu dnh hifdng khdng tich afc den chdtlifOng cugc song ben vSng cua bdn thdn Difdi gdc dp tiep can nhif vgy, bai viit tdp trung vdo npl dung hgch todn vi6lg tdi chinh eua T.Harv Eker, tif daphdntich2mgtd6ilgptrongdngxdtdiehinhldtletkiem,tieudungdithaydifgey nghia eua viee xdy difng ki hogch tai chinh vd tiit kiim cbn tri Tif khoa: Tdi chinh, tiet kiem tdi cbinh, tieu dung, chdt lifong cugc song THE IMPORTANCEOF SAVINGS ATAYOUNG AGE \ Nguyen Le Ha Thanh Na, Nguyen Minh Hien Savings give savers peace of mind, decisions and choices that positively impact the quality of life However, many workers, especially young people, are not yet aware of the importance of financial savings as well as the lack of knowledge and skills needed to make savings Therefore, they not balance the balance between savings and consumption, creating a negative impact on the quality of their own sustainable life From such an approach perspective, the article focuses on the accounting content of financial jars of T Haw Eker, from which the analysis of two opposites in financial conduct is saving, consumption to see the meaning of financial planning and savings at a young age va ehinh phii (thang d u ngan saeh) Trgn thgc te, tiet kigm quan ttpng b cho n b cimg cap tai cbinh d i o d a u t u hien vgt (Tai ligu tham khao: Nguyen Van Nggc, Tir dien Kinh te hpc, Dai hpc Kinh te'Quoc dan) Tiet kiem, ttong kinh te hpc, la ph'an t h u n h a p cb the sir d u n g khbng d u p c ehi vao tigu dimg Cae p h u o n g p h a p tiet kiem bao gom viec b b tien vao, vi d g n h u tai khoan tien giri, tai khoan h u u tti, quy d i u tu, hoac bang ti'en mat Tiet kigm eiing bao gbm vigc giam ehi tieu, n h u giam chi phi dinh ky Ve tai ehinh ea nhan, tiet kigm nbi ehung ehi den cac khoan tien co miie riu ro thap, n h u tai khoan tien giii, tiai vbi dau tu cb rui ro cao hem rat nhieu; Trong kinh te nbi rgng hon, tiet kigm d e cap d e n bat ky ihu n h a p n a o khbng dugc dimg de'tieu Tiet kigm giup mbi ca n h a n hoac gia dinh t r b ngn an toan ve tai chinh M u e tieu tai chinh la ket qua ky vgng thong qua ke hoaeh tai ehinh, bao gbm tie't kiem Trong q u a trinh thie't lap m u c tigu, Keywords: Finance, savings, consumption, guality of life V n g u b i thuc hien can nhac s g d a n h dbi giiia tir b b nhiing dieu n a y dg' cb d u g c nhting dieu khac N e u Ngdy nhdn bai: 7/4/2020 Ngdy hoan thien bien tap: T5/4/2020 Ngdy duyet ddng: 21/4/2020 mpt ngubi hieu ro nhiing gi h g d a n g tir b b dg' dgi lay lgi ich cua vigc tiet kigm tien, thi m u c tteu tiet kigm eiia h g se thuc te va d e hoan h o n Tuy nhien, t h g c te eho thay, hien nay, nhieu n g u b i , nhat Dat van de Tiet kiem (Savings) la phan thu nhgp duoe giii la nhiing n g u b i tre tuoi t h u b n g gap k h b k h a n m u b n thuc h a n h tiet kiem N h b m tae gia d a t m u c tieu Iam sang to nhiing eau hbi, lien q u a n d e n w u lgi, chii khbng chi cho tigu dimg hign tgi Tiet kigm c'au tiet kigm tai ehinh tre la khai nigm n i t tir m b hinb ve vong chu chuyen lo tai chfnh cCia T.H Harv Eker cita thu nhap quoe dan Trong m b hinh d o n gian ve vbng ehu chuyen, toan bp tie't kiem deu cac hg gia T Harv Eker la mbt trieu phii t u than O n g cho dinh thuc hign, Trong m b hinh m b rgng, tiet kigm cbn rang, de lam chii tien chiing ta can phai biet quan ly duge thuc hien bbi doanb nghiep (lgi nhuan giii lai) tien T Harv Eker khuygn ehiing ta n e n chia toan bg TAI ,.|.IIU»4JIIMMT.IJJ!II.HdJ!lll)l!IIHIILJ