Emva kokuba ususe zonke iindleko omele uzihlawule, njengeentlawulo zerhafu kunye negalelo le-pretax, uza kufika kwingeniso yakho yomntu.
Imithombo Yemivuzo
Abanye abantu bafumana imbuyekezo evela kwimithombo yengeniso engabonakaliyo, enokuyifumana xa uqeshe amagumbi, amakhaya okanye iindawo zokuhlala. Unokufumana kwakhona imali engenayo ngenzuzo yemali, inzala okanye izabelo kwiimali-mali okanye iakhawunti ezithwele inzala njenge- akhawunti yokulondoloza okanye ezinye i- akhawunti .
Ezinye iintlobo zengeniso zivela kwizihlawulelo, ezivela kwizivumelwano ezenziwe ngokumalunga nemifanekiso yokukopisha, ilungelo lobunikazi, okanye i-gas, i-mineral or petroleum properties. Kwaye ukuchithwa kungenza i ngeniso xa uqhuba isicwangciso esihle kwaye wenze inkonzo ngokutshintshela ukuthatha isithuthuthu, umzekelo, uze ujikeleze uze uthengise ibhayisikili.
Ukubalwa kweNgeniso yeMali
Imali engenayo ibhekisela kwisalihla sehlawulelo sakho, okanye inani lemali efunyenwe emva kokuhlawula umvuzo, njengemali yentlawulo yelizwe kunye neyezemfundo, iintlawulo zokhuseleko loluntu kunye neenzuzo zangaphambili ezifana neeprojama ze-inshorensi, iplani yomhlala-phantsi okanye iindleko zokuhamba.
Ukuba ubhaliswe kwi-akhawunti yokuchithwa kwe-flexible (FSA) ukuhlawula iindleko zonyango, imali efunyenwe kwi-paycheck nganye ibalwe kwisiseko sokuqala. Imali engenayo yemali inokulingana nemali engenayo engaphantsi kwayo yonke le mivuzo .
Xa ukunika ingeniso yakho kwingeniso yerhafu, isofthiwe yerhafu inokukunceda ekunqumeni ukuba uninzi lwemali oyenzile kunyaka odlulileyo owenza ingeniso, kwaye inokukunceda ukufumanisa nayiphi na imithombo engenayo onokuyilibala ngayo, xa uhamba nodliwano lwentlawulo .
Ezinye iintlobo zengeniso, njengenzuzo yesikhokelo sobhankaso kamasipala, ungabalwa njengeniso ngenzuzo yerhafu kwaye awuyi kufakwa kwi-tax return yakho, kodwa ingafakwa kwi-calculation income yakho yomvuzo.
Isofthiwe yezemali inokubala inani lakho lemali engenayo kwaye liya kugcina inani elipheleleyo, lifumaneke ngeengxelo kwi-software. Uza kubhalela ingeniso kwirejista ye-akhawunti njengento yokuthengisana, ekunceda ukuba wenze i-akhawunti yokuhlawula okupheleleyo kunye nentlawulo nganye kunye neerhafu zokuhlawula ngaphambi kokufunyanwa kwi-stuck yakho yokuhlawula.
Ukuba unikwe idiphozithi ngqo, cela isebe lakho lezakhono zoluntu, okanye umntu olawula ukuhlawulwa kwemali, indlela ongayifumana ngayo irekhodi nganye ngetshekhi nale nkcukacha. Uzakufuna ukubuza loo mntu nayiphi na imibuzo enayo malunga nokunciphisa okuhlukeneyo kwi-paycheck yakho.
Ingxelo yeNkcazo yeNzuzo kwiNkqubo yeMali yoMntu
Elinye isofthiwe yezemali yomntu siqu, njenge- Quicken , inomsebenzi wokungena ulwazi lwakho lokuhlawula ekuqaleni, kwakhona kwakhona xa uhlawulwa kwaye iirhafu kunye nokuncitshiswa kwentlawulo engekahlawulwa ngaphambi kokuba kuhlawulwe.
Nangona kunjalo, irhafu yengeniso iyatshintsha ngama-pennies ambalwa kuwo wonke unyaka, ngoko ikhefu ngalinye, kufuneka uhlolisise ukufakwa kweefowuni ezibalwe njenge-transaction ehleliweyo kwisofthiwe yakho, kwaye wenze nayiphi na inguqu kwiimali ezifunekayo.
Inzuzo engenayo isebenza njengesicatshulwa esilula, kodwa esibalulekileyo sesimo sakho semali. Ukuqonda okucacileyo malunga nokuba imali ingena njani kwikhaya lakho, kwaye yintoni eyahlula kwimali engenayo, iya kukunika ingcamango engcono kwimifanekiso yakho yemali.