Ngaba ungomnye wabantu abazizigidi ezingama-56.7 eUnited States?
Akumangalisi ukuba abantu abaninzi batsaleleke kwindlela yokuphila esebenza ngokuzimeleyo. Ufika emsebenzini xa ufuna, apho ufuna khona, kwaye ufumana ukudibana nabantu abamangalisayo endleleni.
Inye into engaqhelekanga? Iirhafu.
Ngaba kukho ukutsalwa kwerhafu ethile kubafoti okanye abanye abazimele? Wazi njani ukuba yimalini oyityala kwaye uyihlawule njani?
Kule posi, siza kubonelela ngamagqabantshintshi amagqabantshintshi ngeerhafu ezizimeleyo zabafoti. Qhubeka ufunde ukuze ufunde yonke into oyifunayo malunga nokuhlawula irhafu kwishishini lakho lokufota.
Irhafu yokuZisebenzela 101
Masiqale ngesiseko (kwaye singenakuthintelwa) irhafu yokuzimela.
Xa ufumana ngaphezulu kweedola ezingama-400 kuwo nawuphi na unyaka onikiweyo, unoxanduva lokuhlawula irhafu yokusebenzela urhulumente. Lo ngumlinganiselo omiselweyo we-15.3% kwaye ugubungela uKhuseleko lweNtlalo kunye neerhafu zeMedicare.
Ngaba oko kuthetha ukuba uya kubatyala kanye i-15.3% yemivuzo yakho minyaka le? Hayi. Le rhafu yokuzisebenzela YONGEZELELWE kwirhafu yengeniso yakho yesiqhelo, eyahluka ngokwelizwe kunye nesixeko.
Umthetho olungileyo wokubekela ecaleni ubuncinci i-25% -30% yengeniso yakho iyonke yonyaka werhafu. Gcina ezi mali kwiakhawunti eyahlukileyo-kwaye ungayichukumisi-ukuqinisekisa ukuba unayo into oyifunayo xa ufaka ifayile.
Kungumbono olungileyo ukwenza iintlawulo zekota (amaxesha ama-4 ngonyaka) kwiirhafu zakho eziqikelelweyo. Kwezinye iimeko, kusenokufuneka wenjenjalo. Ukuba uhlawula ngaphezu kokuba unetyala, uya kufumana imbuyiselo kwimbuyekezo yonyaka ozayo.
Yeyiphi iFomu yeRhafu endiyisebenzisayo?
Nawuphi na umxhasi okuhlawula ngaphezulu kwe-600 yeedola kufuneka akuthumelele ifom ye-1099-MISC ekupheleni konyaka. Ukuba ufumene intlawulo nge-PayPal okanye ngenkonzo efanayo ye-intanethi, unokufumana i-1099-K endaweni yoko.
Ewe, ayinguye wonke umntu oya kwenza kube lula kwaye athumele ezi fomu kuwe. Yiyo loo nto kubalulekile ukugcina umkhondo wengeniso yakho kunye neendleko zonyaka.
Eyona ndlela ilula yokwenza oku kukwenza iShedyuli C okanye ifomu yeShedyuli C-EZ. Unokwenza nentlawulo yakho kwi-ThePayStubs ukukunceda uhlale ulungelelene.
Ukuxhuzulwa kwerhafu kubafoti
Ukuba ngumfoti ozimeleyo kufuna iindleko ezinkulu zangaphambili. Ukugcina izixhobo zakho kunye nesitudiyo sokufota (okanye ukuya kwindawo yomthengi) kuyakongeza.
Iindaba ezimnandi zezokuba kukho intaphane yotsalo olukhulu lwerhafu kubafoti.
Xa uqala ukuqala, unokutsala iindleko zakho zokuqalisa "njengeendleko ezinkulu." Unokutsala iindleko zazo naziphi na iiklasi zokufota ezinxulumeneyo okanye umrhumo welayisenisi.
Ukuba urenta istudiyo (okanye usebenze kwiofisi yasekhaya), unokutsala zonke ezo ndleko. Okufanayo kuya kwiindleko ezinxulumene nokuhamba kuzo zombini umsebenzi kunye noqeqesho.
Iingcinga zokuGqibela kwiiRhafu zokuSebenza ngokuZisebenzelayo
Ukuba ngumphathi wakho kuthetha ukuhlawula irhafu yakho, kodwa akufuneki kube yinkqubo enzima.
Ngexesha elizayo kwixesha lerhafu lijikeleza, buyela emva kweli nqaku liluncedo malunga neerhafu ezizimeleyo. Ngaloo ndlela, uya kuqinisekisa ukuba uhlawula kuphela into oyityalayo kwaye ugcine imali eninzi epokothweni yakho.
Ngaba ulifumene liluncedo eli nqaku? Jonga ezinye izithuba ezinxulumene nokufota ngolwazi olungakumbi.