Qinisekisa ukuba Uyazi iindlela ezona zilungele ukulungiswa koCwangciso lwakho lokuFowula
Ukuba awuzange uqalise ukulungiselela ukuhlawula irhafu, khumbula ukuba kuseloko kuluvo oluhle ukuqala ngokukhawuleza kunokuba kamva. Kukho imibuzo engamaxesha amaninzi kunye nokungaziwa, ngoko qiniseka ukuba unike ixesha elaneleyo lokuqinisekisa ukufakwa kwexesha ngexesha.
Kukho izinto ezimbalwa eziphambili oza kucinga ukuzikhumbuza xa ulungiselela ukufakwa kweerhafu. Ezi ziindlela ezikwazi ukucwangcisa icebo lakho lokufakela kwaye mhlawumbi ukwandisa irhafu yakho yentlawulo.
I-Itemize Tax deductions
Usuvele uyazi malunga nokuncitshiswa kweerhafu eziqhelekileyo, kodwa ungakulibali ukuba uhlawule yonke into enokubanjelwa ukuba unokuthi ubone indlela ekuchaphazela ngayo ukubuya kwakho. Ezinye iindleko ezingafaniyo ezifana nezindleko zokuhamba ngeendlela zokusebenza okanye iindleko zokuzingela umsebenzi zingaba zihluthiso xa inani elidibeneyo lidibanisa ngaphezu kwe-2 ekhulwini lemali engenayo.
2. Ukubonelela ngeeNombolo zoKhuseleko loLuntu
Ingaba unabantwana okanye iifayile njenge 'intloko yendlu' kunye nabaxhomekeke kuyo, uya kulufuna iinombolo zabo zoKhuseleko lweNtlalo ukubiza nayiphi na i-credit. Ukuba uthe waqhawula umtshato kwaye ucela umntwana, qiniseka ukuba umlingane wakho wangaphambili akafunanga umntu oxhomekeke kuye okanye ukubuya kwakho kunokulibaziseka. Khumbula, umntwana ngamnye oneminyaka engaphantsi kwe-17 unikela ngetyala lentlawulo ye-$ 1000 ngomntwana ngamnye.
3. Hlela iiRekhodi kunye namaxwebhu akho
Ungaphoswa kwezinye iirhafu ezininzi xa ukhawuleza ukufumana iirisithi kunye nobungqina beendleko ngelixa ufaka irhafu yakho.
Isicwangciso esilula, kodwa sisebenza ngokucacileyo. Qinisekisa ukuba ufumane zonke iimaphepha zakho ngokulandelelana ngaphambi kokufakela.
4. Ncedisa kwiAkhawunti yakho yomhlalaphantsi
Unokuba ungenisa iirhafu ezenzeke ngo-2015, kodwa oko akuthethi ukuba uthathe ixesha elidlulileyo lokunikela kwiakhawunti yakho yomhlalaphantsi. Ude u-Apreli 18 walo nyaka uhlawule i-akhawunti yakho yendabuko okanye i-Roth IRA.
Ezi zinikelo ezichithwayo zinga kunceda ukuhlawula umrhumo wakho werhafu.
5. Ngaphantsi kweNgeniso yakho yeNgeniso
Ukuthatha iinqununu zerhafu ngaphezulu-njengendlela yokuhambisa iindleko zomsebenzi, ukufundiswa kwemali kunye nokuncitshiswa kweerhafu kunye nokuncitshiswa kweendleko-titshala - konke kunokunciphisa imali engenayo engenayo kwaye ugcine imali ngexesha lokurhafisa. Kwakhona, ukuba uthenge i-inshurensi yezempilo kwimarike yemali ye-inshurensi yempilo kwaye ufumene i-credit-premium yerhafu, unako ukufumana ityala le-premium yerhafu xa ufaka iirhafu zakho ukuba ingeniso yakho yerhafu iyaphantsi kunokuba ilindelekile.
6. Thetha noMcebisi Wezezimali
Imirhumo inokumangalisa, ngakumbi xa uhlawula iindleko kunye neendleko. Umcebisi wakho wezemali uyazi izicwangciso ezininzi zokwandisa ukubuyela kwakho kwaye uyaziswa malunga nemithetho yangoku ye-IRS, ukukunceda ukuphepha ukuphicothwa kwezinto ezizayo okanye izigwebo. Kusoloko kulungele ukuqhuba ukubuyela kwakho ngumcebisi wakho ukuba kukho naziphi iiflegi ezibomvu ezibonisa.
Ngaba usuqale ukulungiselela iirhafu? Khumbula, ukuba unemibuzo kwaye udinga uncedo olongezelelweyo, kusoloko kulungele ukubonisana neengcali zerhafu ezifanelekileyo.