Ukubala iSiseko seNkcitho kunye neNzuzo yeMali kwiSahlulo seMali yeMali
Kodwa musa ukuvumela ezinye iinkqubo zerhafu eziyinkxalabo zikoyikisayo xa usuka kutyalo-mali. Eminye imithetho eyisiseko inokukunceda ukwenza ingqiqo kwinkqubo.
Iintlawulo zeNkunzi
Iimali zengxowa-mali zihlala zithengisa utyalo-mali oluthile kwixesha elithile kulo nyaka. Iimali ke zisasaza inzuzo kubanikazi abanini-zimali ngendlela yokufumana inzuzo enkulu.
Ukunikezelwa kweentengo zentengo kuxelwe kwiFom 1099-DIV, ebonisa izabelo kunye nemali eyinzuzo eyimali ehlawulwa kulo nyaka. Ukunikezelwa kweentengo zentengo zihlawuliswa kwiirhafu zerhafu zangexesha elide kungakhathaliseki ukuba ubude buni kwizabelo zomntu. Ngokuqhelekileyo, iireyithi zexesha elide zigcinwe kwiimpahla oziphethe ixesha elide kunonyaka. Iireyithi zangexesha elide zihle kakhulu kunezinga elifutshane, ngoko ke lo mgaqo uyinto entle.
Ukunikezelwa kwemali eyinzuzo kunokuxelwa ngqo kwiFomu 1040 ukuba awukho enye inzuzo eyinkunzi ukunika ingxelo.
Ngaphandle koko, ukwabiwa kwenzuzo enkulu kuxelwa kwiShedyuli D kunye nezinye iimali kunye nelahleko .
Iintlawulo zeNkunzi xa uthengisa iiMpahla zeTual Fund
Uya kubala inzuzo okanye ilahleko yakho yemali kwisabelo ngasinye sokwabelana ngemali xa uthengisa izabelo, kwaye yilapho iyanzima khona.
Ukuba utyalomali kwingxowa-mali kwixesha elide, uya kuba nesiseko seendleko ezahlukeneyo kunye nexesha elifanelekileyo lokubamba isabelo ngasinye.
I-Internal Revenue Service ikuvumela ukuba ukhethe enye yeendlela zokubala ezihlukeneyo zokubala inzuzo yakho. Unokuba ufuna ukubala kubo bonke ngohlobo lwenzame eqhutyelwayo ukucacisa ukuba yiyiphi inzuzo kakhulu kuwe. Izwi lesilumkiso, nangona kunjalo-kufuneka unamathele ngale ndlela kunye neyo ngxowa-mali ehlangeneyo iya phambili xa usebenzisa indlela ethile yokuphendula ukufaka ifayile yakho yentlawulo. Uvalelwe kuyo, ekugqibeleni kweso sikhwama. Unokukhetha iindlela ezahlukeneyo zokubalwa kweengxowa-mali ngamnye.
Izindlela ezine zokuLawulwa kweeNkcazo
Ezi ndlela ezine ezivumelekileyo zokubalwa kwezimali zi:
- Ukusetyenziswa kweendleko zangempela usebenzisa ukuchongwa okuthe ngqo
- Ukusetyenziswa kweendleko zangempela usebenzisa okokuqala, ukuqala kokungena
- Isilinganiso semali yendleko, indlela yokwenza enye
- Isiseko semali yendleko, indlela yesibini
Ukuchongwa ngokuchanekileyo kweSiseko seMali yeMali
Indlela echanekileyo yokuchonga i-accounting yindlela ekhethiweyo yabatyalo-mali be-savvy kodwa idinga ingqwalaselo eqhubekayo kwingcaciso. Uya kufuneka ugcine umkhondo weqela ngalinye lezabelo ozithengayo kwaye uthengise, kwaye umthengisi wakho kufuneka akuvumele ukuba uthengise izabelo ezithile.
Olu khetho luhlala lubonelelwa kwinkonzo yokulandelela iindleko zeenkampani zenkxaso-mali.
Ukuchongwa okucacileyo kukuvumela ukuba ukhethe ukuba yeyiphi izabelo ekuthengiseni ngayo inzuzo enkulu yerhafu. Umtyalo-mali unokufuna ukuthengisa amashishini anenzuzo kakhulu ekunciphiseni ezinye ilahleko, okanye unokufuna ukuthengisa izabelo ezincinci zokunciphisa irhafu yentlawulo.
Okokuqala-Ngaphakathi, Indlela yokuQala yokuQala
Nangona awukwazi ukucacisa izabelo ezithile ukuthengisa, ungasasebenzisa indlela eyona ndlela yokubiza iindleko. Uya kugcina umkhondo weziseko zakho kwizinto ezininzi ozithengayo kwaye ucinga ukuba izabelo zokuqala ezithengisiwe zizabelo zokuqala ozithengayo.
Umyinge weZindleko zeNkcitho, iCandelo eliCwangcisiweyo eliNye
Unako ukubala isiseko sakho seendleko ngokumalunga nexabiso olihlawulele isabelo ngasinye usebenzisa le ndlela, kubandakanywa nayiphi na igalelo elibuyisiwe kunye neenzuzo ezinkulu ezibuyisiwe.
Isiseko semali esezantsi yintengo yexabiso lokuthengwa kwazo zonke izabelo ezahlula ngenani lezabelo onalo ngelo xesha. Xa uthengisa ezinye izabelo, kucinga ukuba zathengiswa kuqala, okokuqala. Inzuzo yakho yemali ibalwa ngokusebenzisa ixesha lokubamba kwezabelo ezindala ezithengiswayo, nokuba uthengisa umxube wezabelo zexesha elide kunye nexesha elifutshane.
Umyinge weZindleko zeNkcitho, iCandelo leNqanaba leMibini
Uya kubala isiseko sakho seendleko kwixabiso elihlawulwe kwiqashiso ngalinye lezabelo ozithengileyo ngale ndlela, kubandakanywa nayiphi na igalelo elibuyisiwe kunye neenzuzo ezinkulu ezibuyisiwe. Kodwa kufuneka ukwahlula izabelo zakho kwixesha elide kunye nexesha elifutshane-mali-mali-mali, emva koko ubale isiseko seendleko eziqhelekileyo kwicandelo ngalinye lezabelo. Isiseko semali esezantsi yintengo yexabiso lokuthengwa kwazo zonke izabelo ezikwinqanaba elifanayo lihlulwe inani lezabelo ezikulo hlobo. Xa uthengisa ezinye izabelo, ucinga ukuba izabelo zithengiswa kuqala, okokuqala.
Ukubuyiswa kweMida kunye neNkunzi yeNtlawulo yeNzuzo
Abanini-mali abatyali-mali batyale ulwabiwo-mali kunye neendleko zenkxaso-mali ezifunyenwe kwiimali zabo. Ukubuyiswa komntu ngamnye kubalwa njengokusasazwa kwemali kunye nokuthenga okongezelelweyo kwemali. Izabelo kunye nemali eyinzuzo eyinzuzo ifakwe kwingeniso ehlawulwayo. Izabelo ezongezelelweyo ezithengiweyo kwi-reinvestment zineziseko zabo zendleko, yintengo yokuthenga yezabelo, kunye nexesha labo lokubamba.
I siseko soNyaka weNdleko zeMali
Ukulandelela isiseko seendleko kunokuba ngumsebenzi ochitha ixesha. Inokukunceda ukusebenzisa i-Quicken okanye iMicrosoft Money ukuze ulandele i-revenue earning.