Isikhokelo sokuLawula iNgxowa-mali eyinkunzi kubaTyalo-mali
Kodwa kufuneka ukwazi ukuba i-tax revenue earnings work, kwaye kufuneka ukwazi ukuqikelela iholo lakho lentlawulo ngonyaka.
Ukulawula ukuzuza kwemali kuthetha ukukhangela iminyaka apho kunengqiqo ngokufumana "ukuvuna" ngenzuzo okanye ilahleko ngenjongo ngokuxhomekeke kwibhakethi yakho yentela ekhankanyweyo yonyaka. Ukuvuna kuthetha ukuba kunjani oko kukuthi-uqokelela iimali zakho kunye / okanye ilahleko zokuzisebenzisa ngexesha elifanelekileyo kakhulu ukuba wenze njalo.
Ixesha elifutshane kunye nexesha elide elizuzayo
Ukuzuza kweenkunzi ziba lifutshane okanye ixesha elide. Ukuzuza kwexesha elide kwenzeka ntoni xa uthengisa utyalo-mali ngaphezu kokuhlawulwa kwakho emva kokuba unalo utsalo-mali ubuncinane ubuncinane ngonyaka. Iimali zentengo yexesha elide kunye namaxabiso afanelekileyo ahlawuliswa ngerhafu encinci yentlawulo kunezinye iintlobo zengeniso, njengenzuzo engenayo okanye inzala. Kwabo abakwi-pesenti ye-15 okanye i-bracket yentela ephantsi, ukuzuza kwexesha elide kunomlinganiselo werhafu wepesenti ngo-2017.
Iifutshane zexesha elifutshane zifumana inzuzo xa kuthengiswa i-asethi onayo engaphantsi konyaka; Ezi zihlawulwa ngerhafu njengemali yengeniso ehlala rhoqo, eyona nto iphezulu yerhafu.
Indlela Ukulahlekelwa Kwemali Eyona Ncedayo
Ilahleko ezilahlekileyo zenzeke xa uthengisa utyalo-mali ngaphantsi kwe-investment yakho kuyo. Ukulahlekelwa kweentlawulo kuqala kusetshenziselwa ukunciphisa nayiphi na i-short-term gains on return tax, ngoko banokunciphisa nayiphi na inzuzo yangexesha elide onokuyenza. Ukufikelela kwi-3,000 yelahleko ingasetyenziselwa ukunciphisa ingeniso eqhelekileyo ukuba unayo ilahleko ngaphezulu kuneenzuzo, kwaye nayiphi na ilahleko esele iqhutyelwa phambili ngonaphakade ukuze isetyenziswe kwiminyaka ezayo.
Ukusebenzisa iMithetho kwiNzuzo yakho
Kwiminyaka apho uya kubakho kwipesenti ezili-15 okanye kwi-bracket yentela engaphantsi, kwaye ukuba awukho ilahleko elahlekileyo ekuqhubekeni phambili, uya kufuna ukwenza ngenjongo yokufumana ingeniso eyaneleyo yexesha elide ukuzalisa ingeniso yakho phezulu yebhasti ye-tax percent. Oku kubizwa ngokuthi "ukuvuna" inzuzo enkulu .
Kwiminyaka apho ingeniso yakho ephakamileyo kwaye ungenayo imali elahlekileyo yokuqhubela phambili, kwaye ukuba awufumani nzuzo, ungathengisa ngeenjongo ukutyalo-mali onokubakho phantsi kwexabiso ukwenzela ukuba ufumane ukulahlekelwa kwemali ngenxa yezizathu zerhafu .
Ukuba unayo ilahleko ezinkulu eziqhutyelwa phambili, unokufuna ukuphepha ukufumana ukuzuza kunye nokusebenzisa ezo ntlawulo zelahleko ukucutha kancane kancane imali engenayo-imali yakho. Oku kuthetha ukuba kuya kufuneka ukhethe utyalo-mali oluchanekileyo lwentlawulo kwiakhawunti yakho engekho phantsi. Iinqunto zakho ezifanelekileyo ziza kuba yimali elawulwa yerhafu okanye imali yenkcazo.
Khusela iNgeniso yakho yomhlalaphantsi
Uya kufuneka ukwazi amaxabiso entlawulo okwangoku ukuba usebenzise le migaqo, kwaye uya kufuna ukwenza ukuhlaziywa kwentela ngonyaka ngaphambi kokuphela konyaka ukwenzela ukuba uyazi apho umi khona kwaye kufuneka wenze ntoni. Ukuhlaziywa kwentlawulo yerhafu yokubuyisela irhafu eqikelela ukuba yonke into ocinga ukuba iya kubonisa ukubuyela kwerhafu yakho.
Ngokusebenzisa indlela yokutyalomali ebeka ingqalelo kwiirhafu, unokukwazi ukugcina ngaphezulu koko ufumanayo kwaye ukwandisa inzuzo yakho yomhlala-phantsi emva kwentela. Enye indlela enokuyenza ngayo ukwenza ukulungiswa kwemali-mali ngendlela enokuthi ufumane inzala-mali-ntalo-mali-mali ngaphakathi kweakhawunti yakho yomhlalaphantsi, njengezibophelelo kunye neengxowa-mali, kunye neengxowa-mali ezithengisa imali kwiingxelo ezingekho phantsi komhlala phantsi. mali-index index.