Ukunciphisa iNgeniso
Ingeniso ye-Gross (AGI) yinto ebalulekileyo ekuqaliseni irhafu yakho. Ezinye ezininzi izinto zixhomekeke kwi-AGI yakho (okanye utshintsho kwi-AGI yakho) - njengentlawulo yakho yentlawulo kunye neentlobo zerhafu ezahlukeneyo.
I-AGI ibandakanyekisa ubomi bakho bezezimali ngaphandle kweerhafu: amabhanki, ababolekisi bemali mboleko kunye neenkqubo zoncedo lwezemali zeekholejini zihlala zicela ukuba ufumane ingeniso yakho epheleleyo. Lo ngumlinganiselo oyintloko wemali yakho.
Ngenxa yokuba ingeniso yakho epheleleyo echanekileyo ibaluleke kakhulu, ungafuna ukuqala ukucwangcisa kwakho irhafu apha. Yintoni eya kwingeniso yakho engaphezulu? I-AGI ingeniso yakho evela kuyo yonke imithombo ngaphandle kwanoma yiyiphi iinguqulelo kwingeniso yakho. Iphakamileyo yengeniso yakho yonke, imali ephezulu ehlawulweyo.
Njengoko unokuqiqa, imali eninzi oyenzayo, irhafu ethe uya kuhlawula. Ngakolunye uhlangothi, imali encinci oyenzayo, irhafu encinane uza kuhlawula. Inombolo enye yokunciphisa irhafu kukunciphisa ingeniso yakho. Yaye indlela efanelekileyo yokunciphisa ingeniso yakho kukunikela imali kwi-401 (k) okanye isicwangciso somhlala-phantsi esifanayo emsebenzini. Igalelo lakho liyanciphisa umvuzo wakho kwaye linciphisa umrhumo wakho werhafu.
Unokunciphisa iNgeniso yakho ye-Gross ehlengahlengisiweyo ngeendlela ezilungelelaniso kwimali engenayo.
Izilungiso ziyancitshiswa, kodwa akudingeki ukuba uzifake kwiShedyuli A. Endaweni, uthabathe kwiphepha 1 kwi-1040 yakho kwaye banciphise i-Income Gross Income yakho.
Uhlengahlengiso lubandakanya iminikelo kwi-IRA yendabuko, inzala yemboleko yemali ehlawulwe, i-alimony pay pay, kunye neendleko ezihambelana neklasini.
Uluhlu olupheleleyo lohlengahlengiso lufumaneka kwiFom 1040, iphepha 1, imigca 23 ukuya ku-34. Indlela efanelekileyo yokuphucula izilungiso zakho kukufaka isandla kwi-IRA yendabuko.
Njengoko ubona, ezimbini iindlela ezilungileyo zokunciphisa irhafu yakho ukugcina umhlalaphantsi, mhlawumbi ngo-401 (k) emsebenzini okanye ngokusebenzisa isicwangciso se-IRA. Igalelo kulezi zicwangciso zomhlala-phantsi ziya kunciphisa umvuzo wakho ongenisayo kwaye uhlawule irhafu yakho.
Ukwandisa ukukhutshwa kweRhafu yakho
Imali engenayo engenayo yinto enye ebalulekileyo kwimeko yakho yerhafu. Imali engenayo engenayo ityashiyelwe emva kokunciphisa i-AGI yakho ngokuncitshiswa kwakho kunye nokuxolelwa. Phantse wonke umntu angathatha ukuncitshiswa okuqhelekileyo, kwaye abanye abantu bayakwazi ukukhutshwa kwabo.
Ukuncitshiswa okubhaliweyo kufaka iindleko zempilo, iinkonzo zorhulumente kunye neerhafu zendawo, irhafu yentlawulo yomntu (njengemali yokubhalisa imoto), inzala yomhlalaphantsi, izipho zothando, iindleko ezinxulumene nomsebenzi, iindleko zokulungiselela iintlawulo , kunye neendleko ezinxulumene notyalo-mali.
Isicwangciso esisisisiseko sokucwangcisa irhafu kukugcina umkhondo weendleko zakho ezizenzekelayo kulo nyaka usebenzisa ispredishithi okanye inkqubo yezemali. Unokwenza ngokukhawuleza uqhathanise iindleko zakho kunye nexabiso lakho elichithwayo. Kufuneka uhlale uthabatha ukuphakanyiswa komgangatho wakho okanye ukuchithwa kwakho.
Ukuchithwa okuqhelekileyo kunye nokuxolelwa kwakho kuxhomekeke kwisimo sakho sokufakela kunye nokuba uninzi lwabaxhomekeke kubo. Unokwandisa ukuchithwa okuqhelekileyo kunye nokuxolelwa kwakho ngokutshata okanye ukuxhomekeka ngakumbi.
Izicwangciso ezilungileyo kakhulu zokunciphisa imali engenayo yokuhlawulwa irhafu kukuba zihluthe iinqununu zakho, kwaye ezi zintathu zincinci zithatha inzala yemali , irhafu yombuso, kunye nezipho zothando.
Thatha inzuzo yemivuzo yeRhafu
Emva kokuba senze iholo lethu lentlawulo, sikulungele ukugxila ingqalelo kwiirhafu ezahlukahlukeneyo zerhafu. Iirhafu zerhafu zinciphisa irhafu yakho. Kukho iirhafu zeerhafu kwiindleko zekholeji, ukugcina imali yokuthatha umhlalaphantsi, kunye nokufumana abantwana.
Iikhredithi ezingcono zerhafu zenzelwe iindleko zokuthatha abantwana kunye neekholeji. Akubona wonke umntu osemgangathweni wokufumana umntwana, kodwa wonke umntu unokuthatha iikholeji ezithile.
Kukho iingxelo zerhafu ezinxulumene nemfundo. Ithemba lokuTyala liya kubafundi kwiminyaka yabo yokuqala yokuqala yekholeji. I- Lifetime Learning Credit yiyiphi na umntu ethatha iikholeji zeekholeji. Iiklasi akudingeki zizalane nomsebenzi wakho.
Unokufuna ukuphepha ukhupha irhafu. Ukuba kunokwenzeka, thintela ukuhoxiswa kwangaphambili kwi-IRA okanye 401 (k) isicwangciso somhlala-phantsi. Isixa osihoxisayo siza kuba yinxalenye yengeniso yakho engenayo, kwaye ngaphezu kwayo, kuya kuba neerhafu ezongezelelweyo ukuhlawula ukukhishwa kwangaphambili.
Enye yemboleko yerhafu ephezulu kakhulu kunye neyona nto ihlawulwayo yi- Income Credit Income (EIC). Ngokungafani nezinye iikhredithi zerhafu, i-EIC inikwe ingxelo kwi-akhawunti yakho njengentlawulo. Kwaye oko kuthetha ukuba i-EIC ivame ukuphumela kwimbuyekezo yerhafu nokuba ixabiso lentlawulo liyancitshiswa. Unokuba uvumelekile ukufaka isicelo semali yengeniso yemali xa ufumana imali encinane kunexabiso elithile.
Ukwandisa ukuGcina kwakho
Unokuziphepha ekuhlawuleni ekupheleni konyaka ngokunyusa ukubamba kwakho. Imali ethe xaxa iya kuthathwa kwi-paycheck yakho yonke unyaka, kodwa uya kufumana imali enkulu xa ufaka irhafu yakho.