First, read the English article below.

This is the first rule of budgeting, and pretty much the only one. It sounds fairly obvious, but it's easy to go over budget, even when you have one in place. Be mindful of your spending habits and what your money is going towards. Larger expenses can be the most unpleasant but most effective ways to stay within a budget. If you take an annual vacation, consider staying home this year. Smaller expenses can also add up.  Try to identify and cut back on any expensive luxuries you enjoy. If you enjoy a weekly massage or have a preference for expensive wine, cut down on the frequency of these treats so you're spending money on them only once a month or once every second month. Save money on smaller expenses by switching to generic brands and eating home more often.  Try not to go out to eat more than one or two times every week.  See if you can reduce any of your fixed expenses by switching to a less expensive cell phone plan, reducing your television package, or improving your home's energy efficiency. Your money has to work for you, not the other way around. You don't want to feel like a slave to your budget, or to money in general, so it's important to allow yourself a small treat every month that won't break your budget. Don't abuse your own rewards system to the point where it gets counterproductive and ends up affecting your budget. The idea is to treat yourself to smaller, cheaper items like a latte or a new shirt and to avoid splurging on more expensive items like a vacation or a pricey pair of shoes. If you use credit cards, you should try to keep them at a zero balance every month to avoid costly fees.  If you cannot pay off the current balances, prioritize paying them off within a reasonable time period so that you can get to zero balances. Try switching to cash payments for most weekly purchases—particularly “extras” like eating out or coffee shop lattes.  This can help you control your spending, as people are more aware of the money they're spending when using cash than when swiping a card. . Take... 

Now, please write a short abstract for it in Vietnamese. Abstract:
Bám sát kế hoạch tài chính và không tiêu vượt mức. Cố gắng cắt giảm chi tiêu. Tự đãi mình theo định kỳ, nhưng phải hợp lý. Trả hết nợ thẻ tín dụng hàng tháng. Giảm khoản thuế phải đóng. Thỉnh cầu về việc định giá nhà. Không dựa vào những món tiền “trời cho”.