First, read the English article below.

Collect past bills, bank and credit card statements, and receipts that can allow you to put together an accurate estimate of how much money you spend every month. Personal finance software is quickly becoming the new trend in finance. These programs have built-in budget making tools that can help customize your budget, along with analytics that help you project cash-flow into the future and better understand your spending habits.  Some popular personal finance software include:  Mint Quicken AceMoney BudgetPulse If you choose not to use a budgeting software, you can determine your own budget by using a simple spreadsheet. Your goal is to chart all your expenses and income during the course of a year, so make a spreadsheet that shows all your information clearly, allowing you to quickly identify any areas where you can spend smarter.  Label the row of cells across the top (starting with cell B1) with the 12 months of the year. Create a column of expenses and revenues in column A.  You can list either revenues or expenses first, but try to group expenses together and revenues together to avoid confusion. You may want to group expense together with category headings.  For example, you might have a category of “utilities” that includes your electric, gas, water, and telephone bills. Decide whether you want to include items that are deducted directly from your paycheck such as insurance, retirement savings, or taxes.  If you do not include them on your spreadsheet, be sure that you list your net (post-deduction) income rather than your gross (total, pre-deduction) income under the “revenue” section. Add all of your expenses and revenues for the past 12 months, using data from your bank and credit card statements to provide an accurate representation of all of your revenues and expenses. Are you on a fixed salary where you know for certain how much you're taking home each week? Are you a freelancer whose salary varies each month? Documenting a year's history can help you get an accurate view of your average monthly... 

Now, please write a short abstract for it in Vietnamese. Abstract:
Thu thập mọi dữ liệu cần thiết để bắt đầu theo dõi lịch sử chi tiêu của bạn. Cân nhắc dùng phần mềm để tính toán tài chính cá nhân. Tạo bảng tính trong máy tính. Ghi dữ liệu ngân quỹ trong 12 tháng qua. Xác định lịch sử tổng thu nhập hàng tháng. Liệt kê mọi chi phí hàng tháng trên bảng tính. Phân tích thu nhập và chi tiêu của bạn.