{"id":712,"date":"2026-02-05T16:05:08","date_gmt":"2026-02-05T16:05:08","guid":{"rendered":"https:\/\/linkachu.net\/?p=712"},"modified":"2026-04-30T14:05:39","modified_gmt":"2026-04-30T14:05:39","slug":"5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh","status":"publish","type":"post","link":"https:\/\/linkachu.net\/en\/2026\/02\/05\/5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh\/","title":{"rendered":"5 expenses you need to cut to achieve your financial goals"},"content":{"rendered":"<p>Many people say they want to save money, but don\u2019t know where their money is going. Before cutting any expenses, the most important thing is to review your personal spending.<\/p>\n\n\n\n<p><strong><em>Step one: Divide your expenses into 2 groups<\/em><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Essential expenses: basic food, rent, utilities, transportation, studying, and work-related costs.<\/li>\n\n\n\n<li>Non-essential expenses: snacks, shopping, going out, entertainment, overly frequent beauty services.<\/li>\n<\/ul>\n\n\n\n<p>Nowadays, most banking apps automatically categorize transactions such as shopping, entertainment, dining, and bill payments.<br>You just need to pay attention to which category each expense falls into when you spend. At the end of the month, open your banking app and review it\u2014you\u2019ll clearly see the unnecessary expenses that are quietly \u201ceating up\u201d your money every day.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1017\" height=\"1024\" src=\"https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/momo-amazone-s3-api-241217103447-638700284878275733-1017x1024.jpeg\" alt=\"5 chi ph\u00ed n\u00ean c\u1eaft gi\u1ea3m \u0111\u1ec3 \u0111\u1ea1t m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh \" class=\"wp-image-747\" srcset=\"\" sizes=\"auto, (max-width: 1017px) 100vw, 1017px\" data-srcset=\"\" \/><\/figure>\n\n\n\n<p>From clearly tracking my cash flow, I started cutting the following 5 expenses\u2014and in reality, my life didn\u2019t get worse; it actually became more comfortable.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Causes of Brain Rot<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/linkachu.net\/en\/2026\/02\/05\/5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh\/#An_vat_va_do_uong\" >Snacks and drinks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/linkachu.net\/en\/2026\/02\/05\/5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh\/#Chi_phi_lam_toc\" >Hair expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/linkachu.net\/en\/2026\/02\/05\/5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh\/#Mua_do_an_san\" >Ready-made food<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/linkachu.net\/en\/2026\/02\/05\/5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh\/#Chi_phi_mua_quan_ao\" >Clothing expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/linkachu.net\/en\/2026\/02\/05\/5-chi-phi-cat-giam-dat-muc-tieu-tai-chinh\/#Cac_moi_quan_he_xa_hoi\" >Social relationships<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"An_vat_va_do_uong\"><\/span>Snacks and drinks<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We tend to spend money on cakes, milk tea, and snacks because we think \u201ceach time isn\u2019t much.\u201d But over the course of a month, this actually becomes a large non-essential expense.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"960\" src=\"https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-3.png\" alt=\"Chi ph\u00ed, chi ti\u00eau: \u0103n \u0111\u1ed3 \u0103n ngo\u00e0i\" class=\"wp-image-878\" srcset=\"https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-3.png 960w, https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-3-300x300.png 300w, https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-3-150x150.png 150w, https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-3-768x768.png 768w, https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-3-12x12.png 12w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<p>When you gradually cut down on snacks and sugary drinks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your spending decreases noticeably<\/li>\n\n\n\n<li>Your body feels lighter and healthi<\/li>\n\n\n\n<li>You become less dependent on fast food<\/li>\n<\/ul>\n\n\n\n<p>Cutting back on snacks doesn\u2019t mean living poorly\u2014it\u2019s simply returning to a simpler, healthier way of eating, something people used to do very naturally.<\/p>\n\n\n\n<p>This becomes much easier when you know how much you can save each month by limiting these habits. I\u2019m sure that dividing your expenses into the two groups mentioned above will help reduce this significantly\u2014I\u2019ve been there myself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chi_phi_lam_toc\"><\/span>Hair expenses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When people first start working, many tend to frequently perm or dye their hair to look more mature. Each visit can cost a few million VND, not to mention additional costs for washing, styling, and aftercare.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"612\" height=\"423\" src=\"https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-4.png\" alt=\"Chi ph\u00ed, chi ti\u00eau: \u0103n \u0111\u1ed3 \u0103n ngo\u00e0i\" class=\"wp-image-881\" srcset=\"https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-4.png 612w, https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-4-300x207.png 300w, https:\/\/linkachu.net\/wp-content\/uploads\/2026\/02\/image-4-18x12.png 18w\" sizes=\"auto, (max-width: 612px) 100vw, 612px\" \/><\/figure>\n\n\n\n<p>In reality, hair doesn\u2019t last as long as we think. After just a few months, the color fades, it becomes dry and damaged, and needs to be redone.<br>When switching to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keeping a simple hairstyle<\/li>\n\n\n\n<li>Limiting perms and dyeing<\/li>\n\n\n\n<li>Taking care of it yourself or dyeing it at home when needed<\/li>\n<\/ul>\n\n\n\n<p>You can save a significant amount of money while still looking neat and well-groomed every day.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mua_do_an_san\"><\/span>Ready-made food<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Prepared food outside is convenient, offers many choices, and often comes with discounts. However, eating out too frequently not only costs more but also affects your health. Cooking at home can save you a considerable amount\u2014not just for your wallet, but also for your well-being.<\/p>\n\n\n\n<p>When you switch to cooking at home:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A small amount of money can cover multiple days<\/li>\n\n\n\n<li>You have control over ingredients and portions<\/li>\n\n\n\n<li>Your diet becomes healthier<\/li>\n<\/ul>\n\n\n\n<p>Bringing home-cooked meals to work is not outdated. On the contrary, it\u2019s a smart and sustainable habit\u2014good for both your finances and your health.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chi_phi_mua_quan_ao\"><\/span>Clothing expenses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many clothes are bought and then left unused, sometimes never even worn. When shopping, think about when you can wear it and how it can be matched with items you already have\u2014so you don\u2019t end up \u201cbuying another top just because nothing matches this skirt.\u201d You can prioritize items that are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Basic in style<\/li>\n\n\n\n<li>Easy to mix and match<\/li>\n\n\n\n<li>Neutral in color<\/li>\n\n\n\n<li>Suitable for frequent use<\/li>\n<\/ul>\n\n\n\n<p>Instead of buying more new clothes, we can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Restyle old outfits in different ways<\/li>\n\n\n\n<li>Prioritize quality over quantity<\/li>\n\n\n\n<li>Buy less but use them longer<\/li>\n<\/ul>\n\n\n\n<p>You don\u2019t need a lot of clothes\u2014just ones that suit you and can be worn often.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cac_moi_quan_he_xa_hoi\"><\/span>Social relationships<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Eating out, hanging out, and socializing frequently can make each meet-up cost a few hundred thousand VND. It feels fun at first, but over time it creates financial pressure.<\/p>\n\n\n\n<p>As time goes by, we start to realize:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Relationships aren\u2019t maintained just through meals<\/li>\n\n\n\n<li>You don\u2019t need to spend money to please everyone<\/li>\n<\/ul>\n\n\n\n<p>Instead of spending too much time and money on meet-ups, focus on studying, working, and improving yourself. The relationships that truly matter will naturally stay.<\/p>\n\n\n\n<p><strong><em>Conclusion<\/em><\/strong><\/p>\n\n\n\n<p>Cutting unnecessary personal expenses doesn\u2019t make life worse. On the contrary, it helps us:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Feel less stressed about money<\/li>\n\n\n\n<li>Live with more control<\/li>\n\n\n\n<li>Focus on what truly matters<\/li>\n<\/ul>\n\n\n\n<p>Everything starts very simply: open your banking app and review how you\u2019ve been spending each month. Just doing that consistently can change your personal finances more than you expect.<\/p>\n\n\n\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n\n\n\n<p><em>Linkachu<\/em> \u2013 Someone who has battled weight for nearly 20 years and is currently exploring the \u201ceat fully, still lose weight\u201d method.<\/p>\n\n\n\n<p>This is my Facebook! <a href=\"https:\/\/www.facebook.com\/linh.do.984014\" target=\"_blank\" rel=\"noopener\"><em><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">LinkachuMC<\/mark><\/strong><\/em><\/a><\/p>\n\n\n\n<p>Learn more about me at<a href=\"https:\/\/linkachu.net\/\"><em><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"> Linkachu.net<\/mark><\/strong><\/em><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi n\u00f3i mu\u1ed1n ti\u1ebft ki\u1ec7m ti\u1ec1n, nh\u01b0ng l\u1ea1i kh\u00f4ng bi\u1ebft ti\u1ec1n c\u1ee7a m\u00ecnh \u0111ang \u0111i \u0111\u00e2u. Tr\u01b0\u1edbc khi c\u1eaft gi\u1ea3m b\u1ea5t k\u1ef3 kho\u1ea3n chi n\u00e0o, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ki\u1ec3m tra l\u1ea1i chi ti\u00eau c\u00e1 nh\u00e2n. B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean: Chia chi ti\u00eau th\u00e0nh 2 nh\u00f3m Hi\u1ec7n nay, h\u1ea7u h\u1ebft app ng\u00e2n h\u00e0ng [&hellip;]<\/p>","protected":false},"author":2,"featured_media":740,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[23,22],"class_list":["post-712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meo-vat-cuoc-song","tag-chi-tieu","tag-quan-ly-tai-chinh"],"_links":{"self":[{"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/posts\/712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/comments?post=712"}],"version-history":[{"count":6,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/posts\/712\/revisions"}],"predecessor-version":[{"id":882,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/posts\/712\/revisions\/882"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/media\/740"}],"wp:attachment":[{"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/media?parent=712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/categories?post=712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/linkachu.net\/en\/wp-json\/wp\/v2\/tags?post=712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}