Ukurekhoda Ukugcina Iingcebiso Eziza Kukusindisa Ixesha Nemali Kwimali Yakho
Isizathu sokuba Ufanele ugcine iiRekhodi
Ngenxa yobomi bomntu wonke obukhoyo kwi-intanethi okanye kwifom yekhompyutha, akunakwenzeka kakhulu ukuba abantu bagcine zonke iirekhodi zabo ezifanelekileyo kwindawo enye. Oko akuthi ukuba isicwangciso sokugcina irekhodi owamkelayo asikwazi ukuba yikhompyutha, ithetha ukuba kufuneka ihlelwe kwaye igcine yonke into oyifunayo kwindawo ekhuselekileyo. Ukuba ugcina iirekhodi zamaphepha, utyalomali kwindawo ekhuselekileyo yamanzi kunye nomlilo. Mhlawumbi ujonge ukugcina iikopi ezininzi kwiindawo ezahlukeneyo. Ukuba unquma ukuhamba ngedijithali, kufuneka uhlaziye kwiirekhodi ozikho kwi-hardcopy, kodwa ngokubalulekayo, qi ni sekise ukuba iifayile zikhuselekile kwaye zibe ne-backup.
Ukugcinwa kwirekodi ehleliweyo kungenza kube lula kwaye kungakhathazeki kakhulu ukuba ufake ifayile yakho yerhafu, kodwa iqinisekisa ukuba unako ukuxhamla yonke into echithwayo okanye irhafu yerhafu oyifaneleyo. Okubaluleke kakhulu, ukugcina iirekhodi kukukunceda ukuba uchaze into ekubuyiseni kwakho ukuba i- Internal Revenue Service (IRS) ingaba nombuzo kuphicotho-zincwadi.
Ukubeka nje, ukugcina iirekhodi ezichanekileyo kunokukufumana zonke iintlawulo zerhafu onokuzifumana kwaye uzikhusele ukuba uhlawule irhafu eyongezelelweyo kunye nezohlwayo zezinto ezingenakutshintshwa.
Iirekhodi Omele Ugcine
I-checkbook yakho, isofthiwe yohlahlo lwabiwo-mali, okanye izixhobo zebhanki kwi-intanethi kunokukunceda ukhumbule ingeniso kunye neendleko ekufuneka zichazwe ngerhafu yakho yentlawulo, kodwa i-checkbook okanye i-software kuphela ayikho imibhalo eyaneleyo yokubonakalisa ukukhawuleza kweendleko.
Ukongezelela ubungqina bentlawulo (ukukhishwa kweekhredithi, iirisithi zamakhredithi, njl njl.), Ufuna kwakhona ii-invoyisi, iirisithi, iifowuni zokuthengisa okanye amanye amaxwebhu abhaliweyo achaza oko uhlawule ngako. Ukuchithwa okufuneka uyibhale kungabandakanya i-alimony, iminikelo yokubonelela, inzala yemali, ukunyamekelwa kwabantwana kunye neerhafu zezindlu. Ukuba uhlawula ngemali, thola iirisiti yangomhla kwaye isayinwe ibonisa inani elipheleleyo kunye nenkcazo echaziweyo yento ethengekileyo.
Ukufaka ubungqina bokuba ubhalise ngokuchanekileyo ingeniso evela kwiityalo-mali ezifana nezitokhwe, iibhondi, kunye nemali-mali, kufuneka ukwazi ukubeka isiseko sakho nokuba unayo inzuzo okanye ilahleko xa uthengisa. Iirekhodi zakho kufuneka zibonise intengo yokuthenga, intengo yokuthengisa, kunye nee-commissions, izabelo ezifunyenwe ngemali okanye ukubuyiswa kwakhona, ukuhlukana kwempahla, ukuhlawulwa kwempahla, kunye ne-Isaphulelo sokuqala (i-OID). I-spreadsheet ye-Excel yindlela ephezulu yokulandelela le ngcaciso, kodwa kwanokwenza ingxelo evela kumthengisi wakho okanye umcebisi wezezimali okanye ishedyuli ngesandla.
Ukuba unayo iindleko ezithintekayo kwi-paycheck yakho, njengeminyango yamanyano, ama-premium yomshuwalense, okanye i-401 (k) iminikelo, qi
Akaziqinisekanga ukuba yiyiphi into omele uyibambe kuyo? Nazi ezinye zeengxelo eziqhelekileyo ezifunekayo:
- Ifomu W-2 ne-1099
- Ingxelo zeBhanki
- Iinkcazo zokuthengiswa kwemali kunye neengxowa-mali
- Ifomu K-1 (ukusebenzisana)
- Iintengiso zokuthengisa
- IInvoyisi
- Iirekhodi zamakhredithi
- Ukukhangela ukuhlolwa okanye ububungqina bentlawulo
- Izivumelwano zokuthenga ekhaya kunye nokuthengisa, ukuvala iingxelo, kunye neirekhodi zomshuwalense
Kude Kufuneka Ugcine Iirekhodi
Nangona ngokusemthethweni ufunwa kuphela ukuba ugcine iirekhodi zerhafu iminyaka emithathu ukususela ngomhla owafakile ngayo ukubuyiswa kwentlawulo yerhafu, kufuneka ugcine ikopi yembuyekezo yakho yerhafu, i-W-2, i-1099s, njl. I-IRS ibonakalisa ukubuyiselwa kwentlawulo yangaphambili emva kweminyaka emithathu, kwaye wena okanye izindlalifa zakho unokufuna ulwazi kwiimbuyekezo ngenye indlela, okanye ekugqibeleni kufuneka uqinisekise ubungeniso bakho kwiinjongo zoKhuseleko lweNtlalo.