Ingabe uphakathi kwezigidi ezingama-56.7 zama-freelancers e-United States?
Akumangalisi ukuthi abantu abaningi bakhangwa indlela yokuphila yamahhala. Ufika emsebenzini lapho ufuna, lapho ufuna, futhi uthola ukuhlangana nabantu abamangalisayo endleleni.
Into eyodwa engavamile kakhulu? Izintela.
Ingabe kukhona ukudonswa kwentela okuqondile kwabathwebuli bezithombe noma abanye abazimele? Wazi kanjani ukuthi ukweleta malini nokuthi uzoyikhokha kanjani?
Kulokhu okuthunyelwe, sizonikeza umbono kafushane wezintela ezizimele zabathwebuli bezithombe. Qhubeka ufunde ukuze ufunde konke odinga ukukwazi mayelana nokukhokha izintela zebhizinisi lakho lezithombe.
I-Freelance Tax 101
Ake siqale ngentela yokuzimela eyisisekelo (futhi engenakugwenywa).
Uma uhola ngaphezu kuka-$400 kunoma yimuphi unyaka, unesibopho sokukhokha intela kahulumeni yokuzisebenzela. Lesi isilinganiso esinqunyiwe esingu-15.3% futhi simboza Izintela zakho Zokuvikeleka Komphakathi kanye ne-Medicare.
Ingabe lokho kusho ukuthi uzokweleta u-15.3% wemali oyitholayo minyaka yonke? Cha. Le ntela yokuziqasha ENGEZIWE ngezinga lakho lentela engenayo elivamile, elihluka ngezwe nedolobha.
Umthetho omuhle ukubeka eceleni okungenani u-25% -30% wesamba semali oyizuzayo onyakeni wentela. Gcina lezi zimali ku-akhawunti ehlukile-futhi ungayithinti-ukuze uqiniseke ukuthi unakho okudingayo lapho ufayela.
Kungumqondo omuhle ukwenza izinkokhelo zekota (izikhathi ezi-4 ngonyaka) ezinteleni zakho ezilinganiselwe. Kwezinye izimo, kungase kudingeke ukuba wenze kanjalo. Uma ukhokha ngaphezu kwalokho okukweleta ngempela, uzothola imbuyiselo ekubuyiseni konyaka ozayo.
Iliphi Ifomu Lentela Engilisebenzisayo?
Noma yiliphi iklayenti elikukhokhela ngaphezu kuka-$600 kufanele likuthumelele ifomu le-1099-MISC ekupheleni konyaka. Uma uthole inkokhelo nge-PayPal noma isevisi ye-inthanethi efanayo, ungase uthole i-1099-K esikhundleni salokho.
Yebo, akuwona wonke umuntu ozokwenza kube lula futhi akuthumele lawa mafomu. Kungakho kubalulekile ukugcina umkhondo wemali engenayo kanye nezindleko zakho zonyaka.
Indlela elula yokwenza lokhu ukusebenzisa iSheduli C noma ifomu le-Schedule C-EZ. Ungakwazi futhi ukudala i-pay stub yakho ku-ThePayStubs ukuze ikusize uhlale uhlelekile.
Ukudonswa Kwentela Kwabathwebuli Bezithombe
Ukuba umthwebuli wezithombe ozisebenzelayo kudinga izindleko ezinkulu zangaphambili. Ukugcina okokusebenza kwakho kanye nesitudiyo sokuthatha izithombe (noma ukuya endaweni yeklayenti) nakho kuyanezela.
Izindaba ezinhle ukuthi kunemali eningi ebanjwayo yentela yabathwebuli bezithombe.
Uma uqala, ungadonsa izindleko zakho zokuqalisa “njengezindleko ezinkulu.” Ungaphinda udonse izindleko zanoma yimaphi amakilasi ezithombe ahlobene noma izimali zamalayisense.
Uma uqasha isitudiyo (noma usebenza ehhovisi lasekhaya), ungadonsa zonke lezo zindleko, futhi. Okufanayo kuya ngezindleko ezihlobene nokuhamba kokubili umsebenzi nokuqeqeshwa.
Imicabango Yokugcina Ngezintela Ezizimele
Ukuba ngumphathi wakho kusho ukuzikhokhela izintela, kodwa akumele kube yinqubo enzima.
Ngesikhathi esilandelayo lapho isizini yentela iqala, buyela emuva kulesi sihloko esiwusizo mayelana nezintela ezisebenzela wena. Ngaleyo ndlela, uzoqinisekisa ukuthi ukhokha kuphela lokho okukweletayo futhi ugcine imali eyengeziwe ephaketheni lakho.
Ingabe uthole lesi sihloko siwusizo? Bheka okunye okuthunyelwe kwethu okuhlobene nezithombe ukuze uthole ulwazi olwengeziwe oluhle.