Have you tried "self-raising" yourself?

Hoang Kim Ngoc is not only an actress, a "million-view" KOL/Influencer, she is also a mother and owns her own business. Not only multitasking at work, Hoang Kim Ngoc also "multitasks" in the way she thinks about finances. She believes that if you have made an effort to create multiple sources of income, you also need a parallel solution to manage and generate profits effectively. With VPBank 's Super Profit, she likened: "Every morning when I wake up, my account automatically adds a small bonus - that's how I increase my salary."

The MoneyGym content series is produced in collaboration with VPBank, bringing stories, experiences and financial tips to help you not only manage cash flow effectively but also enjoy the journey towards prosperity to the fullest.

Hello Ms. Hoang Kim Ngoc! You are known as a prominent face with positivity and multitasking; you even said: "If I could, I would like to do 90 jobs". For many people, doing one job is enough pressure, but you are both an entrepreneur, have influence as a KOL/Influencer, and also take on the role of "treasurer" in the family. It seems that you are very good at financial management and rarely fail to control cash flow?

Everyone has failed or gone through hardships, it's just whether we mention it or not. Actually, "doing 90 jobs" partly comes from the fact that I want to diversify my income sources so that when one area encounters difficulties, I still have other sources of income to support me.

It is normal to be afraid of risks, but to be afraid and then leave it there without learning how to overcome it is really scary. I learned to "be afraid in moderation" - that is, calculate the risks, prepare plan B, C before taking action. It is not reckless but careful consideration.

You once shared that when you were a student, your salary was 300,000 VND/day for playing the role of Mickey dancing to welcome guests. Is there any "survival" secret you applied to overcome those difficult days?

My first secret is to learn to differentiate between “need” and “want”. I need food, need a place to stay, need transportation - these things come first. Wanting to eat at fancy restaurants, wanting to buy nice clothes - these things come later. It sounds sad but it has helped me survive and build the financial foundation for today's success.

Second, I am not afraid to develop myself. In the morning I go to work for Mickey, in the afternoon I go to serve, in the evening I come back to study more, improving my ability to earn money. I believe that time and health are invaluable assets, so we should make the most of them. I love to learn. A nice shirt can be worn a few times and then thrown away; but knowledge is the most lasting beauty, following me for life.

Finally, networking doesn’t require money but sincerity. I always appreciate every role, not necessarily “luxury”, just that I can do it well. Not because I crave the spotlight, but because I really want to learn and dig deeper, to discover myself.

Does your current financial status "satisfy" Hoang Kim Ngoc when she first started her career?

Honestly, I have come a long way since the beginning. But what I am most satisfied with is not the number in my account, but the financial freedom. I can refuse a project that is not suitable without worrying about next month's rent. I can invest in my parents' health, send my children to good schools, and most importantly, I can sleep well without worries.

I am grateful for the poverty I experienced in the past because it taught me to appreciate every penny I had; at the same time, it motivated me to dare to go further and do more things. From then on, I was even more proud because the efforts I made had reaped sweet rewards.

If you had to choose only one "action" to make your cash flow stronger, which action would you choose?

I am not a financial expert, however, I would advise everyone to form the habit of appreciating every little coin and using "leverage" - financial tools.

As soon as you receive your salary, determine an amount sufficient for daily expenses and "set" that as the maintenance threshold, and quickly activate the remaining money in the profit-making mode. Definitely do not let it stay in the main account because you will have thousands of reasons, even very ridiculous reasons, to spend it. Even when the bank account is not enough to prevent you from "spending", this is when tools like VPBank's Super Profit and Super Prosperity come into play.

I turn on Super Profit mode for idle money in the account in the short term to enjoy daily interest. The Super Prosperity deposit certificate is used when I have an amount of 100 million or more, or want to prepare for long-term plans such as a child's education fund, a home decoration fund or a "travel" with friends. Surprisingly, the yield of Super Prosperity is very competitive with traditional deposit products, and I can proactively hold it for a period of 01 day to 36 months. If I need liquidity, I can completely proactively transfer it right through the app and enjoy the yield according to the actual holding date without losing interest like when I saved money before.

Thanks to these profitable tools that can be done with just a few clicks on my phone, I no longer have to "fight" with myself every month about what to do to make money profitable. Everything is automatic, I just have to manage the remaining money myself.

From an experienced perspective, what is the feature that you like most when using the Profit Toolkit?

First is the profit feature that is activated with just a few taps.

Next, what I like most about the Profit Toolkit is its rare combination: good yield and high flexibility. "Children choose it, adults love it" right *laughs*

In the past, I always had to choose: save money to get high interest but the money was "locked", or leave it in a payment account for convenience but the money just sits there, does not generate interest, and gradually depreciates due to inflation. With VPBank, the story is completely different. As shared above, I will choose the Super Prosperity deposit certificate when I have an idle amount of 100 million or more and have "big" plans. If I don't have a specific plan, just turn on Super Profit right away so the money can start "working out". But the key point is: no matter which option I choose, when there is an urgent need, you can still easily withdraw money without losing the accumulated interest. Therefore, this toolkit is very suitable for people with multiple sources of income, business activities or often face financial situations that require quick decisions and quick money like me.

With the busy pace of life; having a simple, flexible, and profitable toolkit like this is really valuable. This is the feature that I think is worth everyone using immediately, instead of letting money sit idle and lose value.

VPBank introduces Profitability Toolkit – Automatic solution for "tireless" cash flow

Not stopping at inspirational sharing, the program also introduced VPBank's Profitability Toolkit - a set of optimal cash flow solutions including Super Profitability Premier and Super Prosperity.

This toolkit helps users:

- Proactively set financial goals according to personal needs

- Choose profitable packages that fit your spending plan

- Transparent, flexible, easy-to-understand results tracking

Make a profit now: https://go.vpbank.com.vn/super-sinh-loi

Learn more at: https://supersinhloi.vpbank.com.vn/

Source: https://vtv.vn/tu-tang-luong-cho-ban-than-ban-da-thu-chua-100251017145724993.htm