Khetha ukhetho olulungele ukuhamba kwakho kwemali.
Ngoku uthathe umoya ophefumlelweyo uze ucinge ngenyani: Uqeshwe ngokuzimeleyo, ngoko kufuneka uhlahloye isabelomali yentela njenge-freelancer.
Ukuziqhelisela umsebenzi kuza nomntu opheleleyo weemfanelo zerhafu kunye nemibandela, kungekhona ubuncinane bokuba uhlahlo lwabiwo-ntlawulo uza kuhlawulisa iNkonzo yeNgeniso yangaphakathi ekupheleni konyaka.
Awunayo umqeshi umi ngamaphiko ukulungelelanisa imali kwii-payers zakho kwaye uyithumele kwi-IRS egameni lakho.
Kungaba nzima ukubala ukuba uza kuhlawulwa njani kwiirhafu eziqikelelweyo njengoko unyaka uhamba, ingakumbi ukuba awuqinisekanga ukuba uza kuba nomvuzo oqhelekileyo kwabo baqala ukuphuma. Kodwa kukho iindlela ezimbalwa zokwenza. Nazi ezinye iindlela ongayisebenzisa kwi-bhajethi yeerhafu njenge-freelancer kunye nezinye izinto ofuna ukuzenza engqondweni.
"Ukulondoloza" Imirhumo njenge-Freelancer
Okokuqala, qonda ukuba "ukusindisa" yinto engabonakaliyo apha. Ngokwenene nangenjongo, i-IRS iya kukugcina ngenxa yokuba kufuneka uthumele kwiintlawulo zenyanga nganye eziqikelelweyo nganye kwiinyanga ezintathu. Unokuhlawula ngokufanelekileyo iirhafu njengoko uhamba, njengokuba unokuthi ukuba umqeshi wakho wayengawubhiyo imali kwimali yakho yokuhlawula.
Ezi ntlawulo zibangelwa yimini ethile ngenxa yokuba i-IRS ifuna ukuhlawulwa njengoko ufumana imali engenayo, okanye ngokusondeleyo kuyo ngokunokwenzeka.
Ngonyaka werhafu ka-2018, loo mihla yile:
- Epreli 17
- Juni 15
- Septemba 17
- NgoJanuwari 15, 2019
Ngoko awugcini nje ukuphanga inxalenye yengeniso yakho kwi-akhawunti yokulondoloza, ubuncinane kungabi ngaphezu kweentsuku eziyi-90. Kodwa kubaluleke kakhulu ukuba ubeke imali ngaphandle okanye ubuncinane isicwangciso esinye ngenxa yokuba i-IRS yaziwa ukuba ifake izigwebo ukuba awuyi kuhlawula irhafu yakho yenyanga ngexesha.
Uninzi Kangakanani Ipesenteli Omele Uyigcine?
Kudla ngokucetyiswa ukuba ubeke eceleni iipesenti ezingama-25 ukuya kwi-30 yengeniso yakho. Ewe, oko kuzwaka ngathi kuninzi. Kodwa yile nto: Awukho nje ukuhlawula irhafu yengeniso. Kufuneka uhlawule irhafu yerhafu, kwaye uhlahlo lwabiwo-mali lufanele lufake zombini.
Irhafu yerhafu yerhafu yakho yerhafu ye-FICA-i-Medicare kunye noKhuseleko loLuntu ukuba umqeshi wakho uya kubambelela kwiihlawulelo zakho ngaphezu kwerhafu yengeniso. Xa uqeshwe, uhlawula isigamu nomqeshi wakho unyanzelekile ukuhlawula esinye isiqingatha. Kodwa ungumqeshi wakho xa ungumntu oqeshwe ngokuzimeleyo. Oku kuthetha ukuba unyawo lwakho lonke umrhumo, kwaye yile nto eyaziwa ngokuba yerhafu yokuqeshwa.
Yaye isebenza kwiphesenti enkulu kakhulu: i-15.3 ekhulwini ye-$ 128,400 yokuqala yengeniso oyifumanayo ngo-2018, kwaye i-2.9 ekhulwini yento enokuyifumana kulo mda. Njengomhlawuli-ntlawulo ohlawuliweyo, uza kuhlawula kuphela isiqingatha sale mali.
Iingamashumi amabini anesithandathu ukuya kuma-30 ekhulwini zivakala ngakumbi ngoku, akunjalo? Phantse ihafu yepesenti ibangelwa yerhafu yakho yokuqeshwa yodwa.
Ukubala Ingeniso Yakho
Nali iindaba ezilungileyo: Akudingeki ukuba ugcine ama-25 ukuya kuma-30 ekhulwini lakho yonke ingeniso yakho ngenxa yokuba unendleko ehambelana nokuqhuba ishishini lakho lokuzibophezela.
Uza kugqiba iShedyuli C ngexesha lerhafu, eliya kukuvumela ukuba ususe iindleko zezoshishino zakho kwiholo lakho le-freelancing ukuze ufike kwiholo lakho lentlawulo.
Gcina iindleko zeendleko zakho ezidityanisiweyo kunyaka wonke, ezifana neeofisi zeeofisi, iindleko zokuhamba, iindleko ezihamba ngeenjongo zoshishino, kwaye mhlawumbi ugcine iofisi yasekhaya. Uya kufuneka uqikelele ukuba ngaba unyaka wakho wokuqala nje nge-freelancer, kwaye ngokuqhelekileyo kuphephe ukuqikelela ukuphakama kunokuba kuphakamileyo. Emva koko ulawule ezi ndleko kwiholo lakho elilindelekileyo kunye nesiseko sepesenti oya kuhlahlo lwabiwo-mali kwiirhafu.
Khumbula ukugcina iirisithi zakho ukuze ukwazi ukubonisa iindleko zakho ukuba i-IRS ihlale ibuza ngabo.
Ukulondoloza Ubuncinane Bokuhlola
Ngoku ukuba uyazi ukuba kuninzi kangakanani uhlahlo lwabiwo-mali, kufuneka uthathe isigqibo sokuba uza kubeka njani le mali ngaphandle.
Kuthatha uqeqesho ukuze ulondoloze kwangaphambili kwaye uthumele kule ntlawulo yekota. Emva koko, kufuneka uhlawule ukutya, ukushisa, nophahla phezu kwentloko yakho, nawe. Ukuba kunjalo, ngokuqhelekileyo kulula ukubeka eceleni ipesenti nganye yentlawulo oyifumana njenge-freelancer.
Oku kukukusindisa ekubeni uqaphele ukuba ucinga ukuba ungayifumana ngaphaya kwexesha leenyanga ezimbalwa ezizayo. Uya kubeka eceleni ipesenti nganye yentlawulo oyifumanayo xa uyifumana.
Indlela elula yokwenza oku kukuseta i-akhawunti yokulondoloza enikezele iirhafu. Xhumanisa i-akhawunti yokulondoloza kwi-akhawunti yokukhangela apho ubeka khona imali engenayo yokuzimela, uze uthumele ngokuzenzekelayo inxalenye yaloo mali kwi-akhawunti yokulondoloza xa usenza idiphozithi.
Enye indlela yokuSindisa
Ngokuxhomekeke kwinto oyenzayo ukuze ufumane loo ntlawulo kunye nexesha apho bangena khona, ingaba yintloko yentloko ukuba ukhumbule ukudlulisela ezinye zeentlawulo nganye ozifumanayo. Enye indlela ingaba ukubala inani lemali oyitholile ngenyanga edlulileyo, uze ubeke eceleni iipesenti ezingama-25 ukuya kuma-30 phambi kokuba uqale ukuhlawula iindleko zenyanga ezizayo.
Ngokuqinisekileyo, eli qhinga licinga ukuba usuyilondoloze enye yengeniso yakho kwaye i-akhawunti yakho ayinalutho, okanye ayiyi kukhishwa xa uthumela imali yerhafu. Yisebenzise kuphela xa uthanda ukufumana imali ethe xaxa kwiakhawunti yakho ekupheleni kwenyanga nganye.
Linganisa Kangakanani Ucinga Ukuba Uya Kufumana Ekuqaleni Konyaka
Unokuqikelela ukuba ucinga ukuba uza kuzuza njani unyaka wonke ekuqaleni konyaka, ke ubale ama-25 ukuya kuma-30 ekhulwini kwaye uze uhlule ngo-ezine ukuya phambili. Le yimalini oya kuyibuyisela kwi-IRS nganye kwikota.
Akunakuba nzima kunokuba kukho ukuva ukuba lo akusiyo umnyaka wakho wokuqala. Njalo xa ubhalisa umthengi omtsha, loo mthengi mhlawumbi wakucela ukuba ugcwalise i-W-9 kunye nolwazi lwakho lwerhafu lokuchonga, njengenombolo yakho yoKhuseleko loLuntu okanye inombolo yesazisi yentela. Emva koko, emva kokuvalwa konyaka, kufuneka ufumene iifom ze-1099-MISC ezibika imali ngamnye umthengi akuhlawule yona.
Ungasebenzisa oku ukwenza uqikelelo olulungileyo lwento oyakufumana kunyaka ozayo. Ngaba kukho into etshintshileyo? Ngaba uke wahlula iindlela kunye nomnye walabo bathengi okanye ngaba wenza umsebenzi owenzela omnye? Ungasebenzisa i-1099s njengesiseko, kwaye ulungelelanise phezulu okanye wehla ukuza nombono ongokoqobo ukuba ngamnye uya kukuhlawula kangakanani kulo nyaka.
Ukuba uqikelela ukuba uza kwenza i-$ 100,000 kwimali engenayo emva kokukhupha iindleko zoshishino, kwaye ukuba unquma ukubeka eceleni iipesenti ezingama-28 okanye i-28,000 zama-dollar kuloo mali, kufuneka ugcine i-$ 7,000 nganye kwikota.
Kodwa kwakhona, uzakufuna ininzi yegumbi lokugcoba kwiimali zakho kunye nenkokhelo enkulu yemali yale ndlela. Uninzi lwama-freelancers luthanda ukhetho lokuqala, olona lukhulu lwesicwangciso sokugcina-as-go-plan. Ifuna ukuba ulawulo olungakumbi kodwa ungaphantsi koqeqesho, kwaye lusebenza kwimibandela yohlahlo lwabiwo-suku lwenkqubo.
Unokuhlala uhlawula ngokukhawuleza
Hlalani nikhumbule ukuba akufanele ulinde kude kube yimihla ehlawulweyo yerhafu eqikelelwa kwikota ukuhlawula irhafu njenge-freelancer-awukwazi ukuhamba ngaphaya kwemihla ngaphandle kokufaka isohlwayo. Ukuba ukhetha ukunyusa inyanga enye, qhubeka uye uhlawule irhafu kwangoko. I-IRS ayiyi kucinga. Awuyikuvumela ukuba imali ihlale kwi-akhawunti yakho yokulondoloza elinde ngo-Septemba 17 ukujikeleza, kwaye inokukhusela inhlekelele ukuba unenyanga embi okanye ezimbini kwaye ufika ungenalutho xa kufika umhla ofunekayo. Unokujonga emva kwenyanga emva kwakho, ubone oko ufumene, kwaye uhlawule ngenyanga.