Yintoni abanokuthi baKhwebi bayenze ukuqokelela?
Xa Uyeka ukuhlawula
Ababolekisi abakunakukunyanzela ukuba ubuyisele xa ukhokhelwa ngemboleko . Ukwenza iintlawulo yinto nje kuphela ongayenza, kwaye asisayi kusebenzisa iimbanjwa zamatyala.
Nangona kunjalo, banendlela yokuba "bakhuthaze" kwaye uqokelele ngqo imali.
Umonakalo wemboleko yinto yokuqala eyenzekayo xa uyeka ukuhlawula ngemboleko. Iintlawulo eziphosakeleyo ziya kubonakala kwiingxelo zeentengo zemali , kwaye ngenxa yoko, uya kugqiba ngeekhredithi eziphantsi . Ukuba uzama ukuboleka imali emininzi, kuya kuba nzima kuba ababolekisi baya kubona ukuba sele usuphelile kwizibophelelo zakho ezikhoyo.
Ukulungiswa kwemvuzo yindlela enye. Ababolekisi bangakuzisa isenzo somthetho malunga nawe ukuze uzame ukuqokelela. Ukuba abaphumelele ukuphumelela isigwebo kuwe, inkundla iya kugunyazisa umnini-mboleko ukuba uqhagamshelane nomqeshi kwaye ifuna inxalenye yomvuzo wakho (ngokubanzi ukuya ku-25%, okanye i-65% yokunyanzeliswa kwabantwana - kodwa kuneminye imikhawulo enokuyigcina isixa esezantsi). Umqeshi wakho kufuneka ahlawule enye yemvuzo wakho kumntu-mboleko, okunciphisa inani elipheleleyo.
Ukulungiswa kwemvuzo kubangela iingxaki ezininzi.
Kuyacaca ukuba ufumana umvuzo omncinci - kwaye oko kwenza yonke into ibe nzima kunokuba sele ikhona. Ukongeza, umqeshi wakho ngoku uyazi ukuba unengxaki zemali ezikhokelela kwizigwebo zomthetho. Nangona abaqeshi abaninzi beqonda kwaye baphatha bonke abasebenzi ngokufanelekileyo, kulungile ukugcina umqeshi wakho ebomini bakho.
Ukuqanjwa kweakhawunti yeBhanki yindlela yesithathu. Ngokwenene, ukuthatha imali kwiakhawunti yakho yezemali kuthiwa "umrhumo," kwaye kwakhona kuyindlela kuphela emva kokuba ababolekisi bazise ngempumelelo isenzo somthetho kuwe. I-exception yi-IRS, engayifumana i-akhawunti yakho yasebhanki ngaphandle kwesigwebo.
Ababolekisi ezifana neebhanki kunye neenkampani zekhadi zekhredithi abavame ukuphinda zilandele iirhafu zeebhanki, kodwa zihlala zikhona. Nangona kunjalo, ii-arhente zentlangano ezifana ne-IRS kunye neSebe leMfundo ziyakwazi ukuqokelela kwi-akhawunti yebhanki (iirhafu ezingahlawulwanga okanye iimali-mboleko zabafundi, umzekelo).
Ukuba uphantsi kwentlawulo yebhanki, umbolekisi uya kuqhagamshelana nebhanki yakho kwaye afune imali. Ibhanki yakho kufuneka ihlaziye i-akhawunti yakho ukuba ibone ukuba nayiphi na imali "ikhuphe imida" evela kumbolekisi ( ngamanye amaxesha uxanduva lwakho loKhuseleko loLuntu okanye i-Veteran benefits). Naliphi na imali engakhuselekanga kwi-akhawunti iya kufakwa, ibanjwe kwaye ithunyelwe kumbolekisi.
Isaziso kunye noNxibelelwano
Xa umboleki-mali ezuzela isigwebo kuwe, hlaziya imeko yakho nommeli wendawo. Musa ukubanjwa ngokumangalisa - kufuneka ukwazi ukuba umvuzo uya kugconywa okanye i-akhawunti yebhanki iza kubanda. Ababolekisi abasoloko bekwazisa xa bethatha isenzo - unokuva malunga nomqeshi okanye kwibhanki yakho.
Emva kokuba ukwaziswa ngokuhlobisa, unokukwazi ukumisa okanye ukunciphisa . Kwakhona, thetha nommeli wengingqi ukuze uthole iingcebiso zomthetho. I-Federal ne-state ilawula umda wokuba umvuzo wakho (okanye i-asethi kwi-akhawunti yakho yasebhanki) ingathathwa, kwaye ungadinga ukufakela iphepha ukuze unciphise oko umboleki wakho acinga ukuba kunokuthatha.
Unokuzama ukulungisa izinto kunye nababolekisi bakho - uhlala unethuba lokuxoxisana. Yenza isibonelelo kumboleki wakho, nokuba ingaba sisisombululo onokuyihlawula ngoku okanye isicwangciso sokuhlawula kwenyanga. Yenza yonke into ngokubhaliweyo, kwaye (ngaphezu kokumisa ukuhlobisa) ubone ukuba unokufumana izinto eziphathekayo ezisuswe kwiingxelo zekredithi.